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Home Insurance

New York Home Insurance Coverage

The state of New York is home to New York City, one of the largest cities in the world and the largest in the U.S. It’s one of the best places in the world one can dream of living. If you choose to spend your life in the Empire State, you will need a place to stay. The most common option is to buy a house and enjoy the convenience and privacy.

Whatever type of housing you choose, it’s advisable to get homeowner’s insurance coverage. Homeowner’s insurance will protect your house and personal property from any unexpected events or natural disasters that may cause damage to your property. There are numerous home insurance providers in New York, but Summit Coverages, LTD is a renowned agency that provides cost-effective home insurance options in the state.

Types of Homeowner’s Insurance

The state has put laws in place to ensure that as a homeowner, you have access to all the coverage you need and from licensed providers. The state’s insurance department promotes and enforces these laws. Some of the most common types of coverage include:

  • HO-1: This is the most basic form of homeowner’s insurance you will find. The policy strictly covers only the named perils, and anything that’s not included on that list will not be covered.
  • HO-2: This is another named-peril policy. It covers the policies in HO-1 plus a few specified perils. Household appliances, HVAC, and water damage from overflowing sinks are all covered.
  • HO-3: This coverage has a broad range of coverage, and for that reason, it’s the most common form of homeowner’s insurance. Exclusions to this policy include earthquakes and floods.

You will find many coverage options for homeowner's insurance at Summit Coverages, LTD in New York. Use our online rating tools to compare quotes and get the best deals on auto and home insurance. You can also reach us by phone or visit our offices and speak to one of our agents for more information.

Coverage Types

  • Replacement Cost
  • Personal Property
  • Loss of Use
  • SPP

Our Partners:

  • AmTrust
  • Chubb
  • Foremost
  • Nationwide (harleysville)
  • Progressive
  • Safeco
  • Travelers

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