New York Home Insurance

Whether you own a house, condominium or townhouse, for most
people their home is their most important investment. Edouard
Insurance Agency offers New York home insurance policies that have
flexibility to meet your individual needs and above all, provide you with
the security that comes only from the knowledge that your home is safe.

Insurance for your home is one of the most popular and important forms
of personal insurance and the typical New York home insurance policy
has two main sections:

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property)

New York home insurance is often required by lenders to obtain a
mortgage and nearly everyone, whether you own or lease property,
should have the protection of home insurance.

New York Home Insurance Policy FAQ

Click on the link below to fill out a secure quote request form for a New
York Home Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with our New York
Personal Insurance agent specialist at (845) 426-0868 to discuss the
features.

We are your local Rockland County, NY insurance agency, offering affordable home insurance policy
premiums to residents located in the following cities and counties: Spring Valley, Congers, Nyack,
Palisades, Sparkill, Tappan, Orangeburg, Pearl River, West Nyack, New City, Blauvelt,
Nauraushaun, Nanuet, Chestnut Ridge, Montebello, Suffern, Monsey, Piermont, Rockland Lake,
Wesley Hills, New Hempstead, Pomona, Sloatsburg, Tuxedo Park, Southfields, Ramapo, Hilburn,
Greenwood Lake, Warwick, Bellvale, Wickham Village, Monroe, Harriman, Chester, Goshen, New
Hampton, Highland Mills, Willow Grove, Mt. Ivy, Thiells, Tomkins Cove, Ladentown, Haverstraw,
Stony Point, Tomkins Cove, West Haverstraw, Bear Mountain, Jones Point, West Point, Cornwall-
on-Hudson, Mountainville, Salisbury Mills, Craigsville, Washingtonville, Newburgh, New York City,
Middletown, Poughkeepsie, Port Chester, Harrison, Mamaroneck, Larchmont, New Rochelle,
Yonkers, White Plains, Rye Brook, Scarsdale, Rye, Ardsley, Eastchester, Pelham, Greenville,
Hartsdale, Bronxville, Tuckahoe, Mt. Vernon, Bronx, Irvington, Glenville, Valhalla, Elmsford, Dobbs
Ferry, Hastings-on-Hudson, Greenburgh, Tarrytown, Sleepy Hollow, Hawthorne, Scarborough,
Thornwood, Briarcliff Manor, Ossining, Harmon, Montrose, Crugers, Buchanan, Peekskill, Millwood,
Pleasantville, Armonk, Chappaqua, North Castle, Mt. Kisco, Bedford, Pound Ridge, Bedford Hills,
Cross River, South Salem, Yorktown Heights, Goldens Bridge, Amawalk, Yorktown, Katonah, Salem
Center, Somers, North Salem, Croton Falls, Jefferson Valley, Shrub Oak, Putnam County, Orange
County, Dutchess County, Ulster County, Sullivan County, and Westchester County, NY.

Personal liability in a New York home insurance policy is also an important part of having
security from accidents that may occur on your property. We suggest you choose coverage
limits that are not less than those on other liability insurance you own, such as car insurance.

Click on the link below to fill out a secure quote request form for a New York Home Insurance
policy that will provide excellent insurance coverage at an affordable cost. Or you can speak
with our New York Home Insurance agent specialist at (845) 426-0868 to discuss the
features.

Replacement Cost or Actual Cash Value

All Risks or Named Perils

New York Home Insurance Policy FAQ

If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond
the policy deductible you chose. For example purposes we will assume your home's estimated
replacement value (RCV) is $200,000. The co-insurance clause requires you carry at least
$160,000 (80% of your RCV). If you chose to purchase only a $80,000 New York Home
Insurance policy you would be underinsured by half. Therefore, in the example the insurance
company would pay one-half of a loss less the policy deductible, so if you suffered a $20,000
covered loss to your house, condominium or townhouse and had a $500 deductible, your policy
would only pay $9,500.

New York Home Insurance Policy FAQ

An "All Risks" policy provides the broadest New York home insurance protection because it will
cover losses that are due to any peril except those specifically excluded in the policy. A "Named
Perils" policy covers losses that are due to only those perils listed in the standard New York
Home Insurance policy and typically include fire, hail, windstorm, and other physical losses.

New York Home Insurance Policy FAQ

Covered losses under a New York home insurance policy can be paid on either a replacement
cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner
is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the
less money you may receive for it. If you choose the "replacement cost" coverage, the New York
home insurance policy will reinburse the amount it costs to replace the property with something
of a similar type and quality at current prices.

**The information, pictures, and other content in this website about particular insurance services is
only provided for informational purposes. Any decisions regarding your insurance needs should be
discussed with a licensed insurance agent.