17 Perlman Dr, Suite 203,
Spring Valley, NY 10977
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Home Insurance in New York

The biggest purchase that most people will make is their home. If you are about to close on your first house in New York, you should purchase a home insurance policy. Because your home will be your most expensive asset, it is essential that you are protected if a disaster were to strike.

Before purchasing your policy, you should know what is covered under a basic home insurance policy.

Structural Coverage

This part of your policy will cover your home's structure if it is damaged or destroyed in a fire, vandalism, during severe weather, or by a falling object. It would also cover anything attached to the home, such as a garage or a deck.

Other Structure Coverage

This part of the policy would cover any structure that isn't attached to your home, such as a detached garage or a storage shed. For these structures to be covered, they would need to have been damaged or destroyed during a covered event.

Personal Property On-Premises

This part of the policy would cover any of your personal belongings that are located on your property. This would include your furniture, clothing, jewelry, electronics, and any other items of value. If your personal belongings are damaged or destroyed by a covered disaster, you would be reimbursed. This part of the policy would also cover any items that are stolen during a robbery.

Personal Property Off Premises

This part of the policy would cover any of your belongings that are damaged, destroyed, or stolen while not on your property. For example, if your car gets broken into and your laptop is stolen, this part of your policy will cover the laptop's cost.


Liability coverage would protect you from a lawsuit. If someone is injured on your property, your liability coverage will pay for their medical expenses and any other expense related to the injury.

This coverage will also protect you if something happens away from your home. For example, if your child throws a ball through the neighbor's window, your liability coverage would pay for the repairs.

Additional Living Expenses

If your home is damaged or destroyed and deemed uninhabitable, this part of your home insurance policy would pay for your living expenses until the damage has been repaired.

Before closing on your new house, you should contact Edouard Insurance Agency Inc in Spring Valley, NY. Our agents can help you set up a home insurance policy that will provide the protection that you need. To get your policy started, give us a call or stop by the office today.

States Served

  • New York
  • New Jersey
  • Connecticut
  • Pennsylvania


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