New York Homeowners Insurance
You are protecting your home against fire, smoke, lightning, windstorms, and theft. You can buy a policy that covers only your house, but most homeowners buy a combination of several types of coverage, such as Dwelling, Personal Property, and Liability.
Whenever you decide to shop around for homeowners’ coverage, always request replacement cost and never do apples-to-apples comparison. You may have serious gaps in insurance and you may not be aware. If you have high-value jewelry you might want to consider an endorsement.