How to Find the Best Home Insurance in New York

Most standard policies for home insurance in New York include these coverages:

• Dwelling coverage helps to cover any damage to the structural elements of your home, including the walls, roof and floors.
• Other structures coverage pays for repair expenses for other structures, like sheds and detached
• Personal property coverage applies to certain personal belongings inside your home, like furniture and electronics.
• Personal liability coverage helps to protect you if another person is ever injured while on your property.
• Medical payments to others coverage pays for the medical expenses that others have related to an incident on your property.
• Loss of use coverage helps you to pay for living expenses, like the cost of a rental property, if you’re unable to live in your home while it’s being repaired.

In addition to those standard coverages, you may want to consider these additional coverage options for more comprehensive protection:

• Flood insurance: Most standard policies don’t include flood insurance. If you live in a flood zone, you may want or be required to purchase a separate flood insurance policy.
• Valuable items coverage: The personal property coverage included in most home insurance in New York covers certain items in your home, like electronics and furniture. Other, more valuable items, like crystal and jewelry, usually aren’t covered. A separate valuable items policy can help to replace the items if they are stolen or damaged.