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Homeowners Insurance
Owning a Deluxe Homeowners Policy Will Provide You With the Following Coverages:
Personal Property Protection
This provides protection for covered losses to your
home under the perils shown below, and any other additional perils listed
in the policy (subject to policy terms and conditions).
- Water Damage from Plumbing, Steam or Water Heating Systems
- Wind & Hail
- Vandalism / Riot
- Fire
- Freezing of Plumbing
- Lightning
- Smoke
- Explosion
- Falling Objects
Theft
Theft Coverage can help protect your personal property
against several types of loss due to theft (subject to policy terms and conditions).
- Theft on Premises
- Theft off Premises
- Stolen or Forged Checks
- Stolen Credit Cards / Counterfeit Money
Family Liability and Guest Medical Protection
Family Liability and Guest Medical Protection gives
you protection against certain personal liability losses (subject to policy
terms and conditions).
- Liability and Defense Costs
- Damage to Property & Property Damage Lawsuits
- Guest Medical Protection & Bodily Injury Lawsuits
You can also select Optional Coverages to Individualize
Your Policy
You can design and improve your policy in order to suit your personal needs and the needs of your family members. For an additional premium, you can augment your protection for:
You May Save Money on Your Premium - Certain discounts are available that can help to decrease your premium.
New House Discount
You can get a discount if your home is brand new or if it is nine years old or less. Discounts will vary according to the age of your home.
Protective Device Discount
If you install certain protective devices, such as
smoke alarms, fire extinguishers, and deadbolt locks, you may be eligible
for a discount. Feel free to ask us what devices are necessary
to qualify.
55 and Retired Discount
If you are 55 years of age and you are retired, you may be eligible for up to a 10% discount.
Doscher/Farrell
Insurance Associates
261 Fifth Avenue, Suite 1503
New York, NY 10016