Category: Home Insurance

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.

You may know that homeowner’s insurance typically covers houses or other designated dwellings. Still, our team at Kimberly J Brennan Agency Patterson serving New York and Patterson, NY knows that it can be confusing to figure out what structures are covered by a home insurance policy. Some homeowners may have attached structures on their property such as a garage, deck, or even an unattached shed that could cause one to doubt whether those structures are protected by the policy. 

Without training in the insurance industry, the average homeowner may have misconceptions about what insurance policies can cover. To make things more complicated, every home insurance policy has different terms that may exclude some aspects of the property from coverage. The only way to know for certain whether an attached structure or part of a property remains protected by an insurance policy is to speak with an agent at our office or read the terms of your policy. We’re always happy to answer questions like this when our clients call us on the phone or stop by our office. 

Does Home Insurance Cover Attached Structures?

If your house has an attached structure like a garage, deck, or in-laws suite, part of your home coverage may be able to cover that structure. If that structure is damaged through a qualifying event or belongings that qualify for coverage are stolen from that area, you may be able to get assistance with the cost of recovering from that incident through your insurance policy. Before you bank on your insurance company covering that structure, you should ask a qualified insurance professional at our agency to confirm and explain what’s covered.

To protect your home, call our team at Kimberly J Brennan Agency Patterson, serving Patterson, NY and New York.