Homeowners Insurance

Your home may be your most significant asset, and you’ve likely personalized your home with possessions you and your family treasure. Homeowner’s insurance can protect your home and belongings if you have a covered loss or damage. In addition, homeowners insurance might give you financial protection if someone is injured on your property.  

You owe it to yourself to carry insurance coverage that sufficiently protects your home and possessions. If the homeowner has a mortgage, most banks will require that there is homeowners insurance. The James V. Funaro Agency insures residents in Bethpage, Levittown, Old Bethpage, Plainview, Hicksville, Farmingdale, and other communities in New York. We can also help you with your specific homeowners insurance needs. 

What Is Homeowners Insurance? 

Homeowners insurance typically includes both home protection and liability coverage: 

• Liability protection—This coverage pays for bodily injury and property damage that you or a family member causes. Your homeowners insurance may also pay court costs and awards up to your policy’s limit. 
• Personal belongings—This coverage may pay for furniture, clothing, sports equipment and other personal items stolen or destroyed by a covered incident. You may need a personal property endorsement or floater to insure more expensive items for their appraised value.
• Property structure—This coverage may help pay to repair or rebuild your home if it’s damaged or destroyed by a covered event such as a fire, lightning, hurricane or other disaster covered by the policy. 
• Additional living expenses—This coverage might pay your living costs if you must live elsewhere because of a covered incident. Coverage may include hotel bills, restaurant meals and other living expenses up to your policy limit.  

We can help you explore homeowners insurance and what coverage might be the most suitable for your situation.  

How Much Homeowners Insurance Coverage Do I Need? 

The amount of homeowners insurance coverage you need can be complex. You must ensure that you have enough insurance protection for your home and belongings, and such protection may include other endorsements we can help you explore. 

Why Do I Need Homeowners insurance? 

Even if homeowner’s insurance is not required, this crucial coverage can help protect you from a significant financial loss that otherwise you may have to pay on your own. We can help you determine a policy to give you optimal protection. 

We Can Help 

The James V. Funaro Agency can help you with an appropriate homeowners insurance policy. Call or text us at 516-204-7223 or 505-225-3800 to get started.