Homeowners Insurance

Homeowners insurance policies are available for single family homes, multi-family homes (4 units or less), condominiums, co-ops, and apartment renters.  Insurance is also available for collectibles, valuable items, floods, and earthquakes.

Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for common types of damage.  Common exclusions include wear and tear, earth movement, flood, war, nuclear hazard and earthquake.

Homeowners insurance, condominium, co-op, and renters insurance also provide coverage for your household contents and personal belongings if they are stolen or lost in a fire, for example. Furniture, clothing, electronics and collectibles add up to a large loss when you have to replace them all at once.

Other common losses these homeowners insurance polices typically cover include:

valuable items lost or stolen out of the home, sewer and water backup, mold, and identity theft.

Condominium and Co-Op owners are also covered for damage to improvements made to the home for which the association’s policy does not provide coverage, such as carpeting or custom floors, granite sufaces, and other upgrades.   Condominium and co-op owners will also receive money for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association’s policy does not provide coverage.

In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium, co-op or renters policy provides liability coverage and personal property insurance should this ever occur. More important, it covers the legal expenses associated with these events.

For more information on the best homeowners insurance for your needs, give Brewster Hill Insurance Brokerage a call.