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Brooklyn housing

Home Insurance

 


Including Apartment, Coops and Condo Insurance

Compare, Buy and Save!

Buying your dream home is one of the single, largest investments that you would have to ever make. You would need to protect that investment, therefore, your main strategy of defense is homeowners insurance.
Many standard homeowners insurance policies will  provide  coverage for damage to your home and items in your          home caused by:

                            1.    Theft

                            2.    Fire and lightening

                            3.    Smoke

                            4.    Ice and snow

                            5.    Frozen pipes

Homeowners insurance includes coverage for liability claims, medical payments to third parties and legal costs if a lawsuit is brought against you. The most common amount of liability coverage included in a homeowners policy is $100,000, but depending on your circumstances, you may need much more.

Call 718-848-7610 for your free price quote!

 

Money Savers

You may be qualified for lower insurance premiums  under certain conditions inform   your insurance  company if:

1. Your house is new

2. It is near a fire department or hydrant

3. Your house is built out of fire-resistant materials

4. Or if you get your auto insurance from the same company

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

What's Not Covered

It's important that you read your homeowners insurance policies to find out what is not covered. Damages caused by nuclear accident, act of war, flood, earthquake and terrorism are not included in most insurers. You would be able to buy special policies or endorsements that will cover these events. For high-priced items such as, diamond rings, watches, antiques and other valuables, additional endorsements are needed. It's best that you find out the cost to
rebuild your home and consider insuring your home for that amount.

Value Your Property

1. The actual cash value pays you an amount which is equivalent to the replacement value of the property. This does not include depreciation for the years you owned the house.

2. Replacement cost, which is more expensive, but it pays you the full value of the house at today's value

Insurance services provided by Stanley K. Raj

Main Street / New York Inc. Insurance Services

108-05 Liberty Avenue Richmond Hill, NY 11419

718-848-7610Fax: 718-848-1375

Email : sraj1865@gmail.com

Licensed by the State of New York

License No.: BR860-300

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