Why Do I Need Home Insurance in New York?

If you own a home in Croton Falls, NY or the surrounding areas, we highly recommend taking a look at your current home insurance to confirm the coverage on your policy is satisfactory. Carminucci Agency and its insurance agents can help you assess your current coverage and what needs updating. 

As a homeowner in New York, you most likely have a mortgage to pay and working with a lender to secure a loan. In most cases, lenders require homeowners’ insurance to protect their investment in you. Therefore, home insurance may not be legally required in New York, but it is required by most lenders. 

Realistically, there’s no reason you should not have a home insurance policy on the biggest investment in your life. Home insurance policies cover the home itself, the personal property within the home, and the structures on the property, like a swimming pool, shed, or garage. 

All these things are worth protecting— damage to any structure or property can be catastrophic financially if you have to pay out of pocket to repair or replace them. Cover your bases beforehand, and you’ll thank yourself later should you ever need that insurance you invested in. 

The team at Carminucci Agency is here to help if you have any questions or concerns about your homeowner’s insurance. Don’t hesitate to reach out to us if you’re in the Croton Falls, NY area and are looking for some guidance when selecting the best home insurance policy for you and your family. Let the experts handle the insurance while you enjoy the beauty of homeownership in the great state of New York.