New York City Homeowners Insurance

New York City Homeowners Insurance – Frequently Asked Questions

How Much Homeowners Insurance Should I Get?

There is no such thing as too much coverage.  The more home insurance coverage your home has, the less you will have to pay out of your pocket if disaster strikes.  Every situation is different so the best solution is to ask your insurance agent how much coverage they recommend you have.  To start, get a free New York City Home Insurance Quote.  At Premier Insurance Services of New York City, we strive to make sure you have great coverage at a great price.

What Affects Homeowners Insurance Costs?

There are many things that insurance companies look at when deciding the price of homeowners insurance.  One of the things they look at is the type of construction the house has.  Generally, frame houses cost more than brick houses to insure.  The age of the house also is a factor.  A lot of times, new houses qualify you for discounts on your home insurance.  The number of fire hydrants and fire departments available in your location can also make a difference in your homeowners insurance cost.

How likely are natural disasters in New York City?

According to this article, tropical storms and hurricanes are more likely in New York City than other areas of the USA.  This has a lot to do with the city’s proximity to the Atlantic Ocean.   Because of that, it is crucial for New York City residents to make sure their home insurance coverage takes care of perils such as fire, windstorm, and theft.

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