When you find your home, here is what happens behind the scenes: A mortgage will be worked on, contracts will be drawn up, a survey of the property will need to be done, municipal reports need to come back clear, and don’t forget the home inspection. Lastly, and the most important part, Homeowners Insurance! There are many things to consider; the age of your home, proximity to water, how big the home is, whether you need blanket limit coverage or line item limit coverage. Can appliances be covered, and what about buried pipes and wires? Oh, and the policy has to be affordable.

Dwelling Coverage, Other Structures, Personal Property, Loss of use, Family Liability, Medical Payments to others are just some of the coverages these must have policies provide for. To read more on how Homeowners insurance works click here.

Long after the paint has dried on your home, long after the boxes have been broken down and put to the curb for recycling, and long after all of the other specialists have left, you will still have a relationship with your insurance agent and your Homeowners policy. If you are in New York State, our agents at Shop Around Insurance can help you choose the right policy.

This touched on some basic information on what homeowners insurance does and how it protects you. We can explain the rest, go over terms and put you in the best position possible with insurance. We promise you a painless experience and at the end of the day you will have the right coverage at the right price. With access to many carriers at our fingertips, you can be sure you are getting the right policy to fit your needs and your budget.