Understanding Crucial Aspects of Home Insurance in Patterson, NY
Balancing your home insurance needs and affordability can be a complex task that requires the involvement of knowledgeable professionals. Enter the team at the Kimberly J Brennan Agency in Patterson, NY. Having suitable home insurance is always crucial, regardless of where you live in the country.
Consider Your Total Net Worth
Most insurance companies provide liability coverage ranging from $100,000 to $500,000. Consider your net worth before automatically assuming these amounts are sufficient. To increase your liability protection, it might be advisable to add an umbrella policy to your coverage.
Consider Possessions That Might Increase Your Liability
If you have a swimming pool or trampoline, your liability increases. The same applies if you own a dog, with some insurers even refusing coverage for certain breeds.
Do You Host Many Gatherings?
If you frequently entertain, there’s an increased risk of someone filing a lawsuit against you. You might want to enhance your existing liability insurance coverage.
Apply Safety Measures to Your Swimming Pool
Having a swimming pool enhances your liability coverage needs. Some insurers may refuse to cover a pool with a diving board or slide. To mitigate risk, ensure the pool is secured by a fence, preferably without a slide or diving board. The fence should be tall enough to prevent young children from entering the area unattended. Additionally, consider installing sensors that trigger an alarm if an object falls into the pool.
Contact our office at Kimberly J Brennan Agency in Patterson, NY today, and let our team help you with your home insurance needs in New York.
