Protect your residential property, belongings, and financial interests with customized insurance coverage designed for homeowners, landlords, renters, and property owners across New York.
Residential insurance provides financial protection for residential properties and the people who own, rent, or manage them. Depending on your policy, coverage can help protect your dwelling, personal belongings, and financial interests from covered property damage, liability claims, and unexpected events.
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We work with trusted insurance carriers to help you find residential insurance coverage that fits your property, protection needs, and budget.
Residential insurance provides financial protection for your home and property against covered risks such as fire, theft, storms, and certain types of damage. Depending on the policy, it may also provide liability protection and coverage for personal belongings.
Residential insurance may cover the structure of your home, personal belongings, liability, and additional living expenses following a covered loss. Coverage varies by policy, so it’s important to review the specific limits, exclusions, and deductibles.
New York generally does not require homeowners by law to carry residential insurance. However, mortgage lenders commonly require homeowners to maintain adequate insurance as a condition of the mortgage.
“Home insurance” and “residential insurance” are often used interchangeably. Residential insurance is a broader term that can include coverage for different types of residential properties, while a standard homeowners policy is generally designed for an owner-occupied home.
A standard homeowners policy may not provide the appropriate coverage for a property that you rent to others. Landlords typically need a specialized rental property or landlord insurance policy that can provide coverage for the building, liability, and certain rental-related risks.
Landlords should have appropriate insurance to protect their rental property and help manage risks associated with owning and renting out a property. A landlord or rental dwelling policy may provide coverage for the property, liability, and certain rental-related losses.
