New York Fire Insurance Quotes
Home to millions the great empire state offers city living and rural homes all that need fire insurance protection. Whether you live in New York City or out further in Yonkers we help all homeowners find affordable fire insurance. Spend just five minutes and we will connect you with up to five insurance agents that provide competitive quotes in your city. Start by completing the simple application form and in the same day you could save hundreds of dollars.
New York fire insurance quotes range in price depending on where you live and what type of dwelling will be covered. No matter the type of house you live it is important to have proper fire insurance coverage.
Important Coverage on a Fire Insurance Policy
Having protection against fires is obviously a top concern but you will also need to consider your personal property and liability. It makes sense to have a policy that will provide coverage at an affordable price. This means you need to think about the other possible losses that may occur in New York such as wind, hail, lightning and snow.
Here are a few items that each home fire insurance policy should include:
- Personal property - enough to replace everything you own at today's prices
- Personal liability - protect your net worth in the event of a lawsuit
- Medical expenses - cover medical costs if a visitor is injured at your home
- Floater for jewelry - separately covers jewelry such as engagement rings
- Replacement cost coverage - replaces building and property items at today's prices
How much dwelling coverage do I need?
Dwelling coverage provides the majority of coverage in fire insurance policies in New York. This generally includes the structure and anything directly connected to it like a garage or deck. Fire insurance quotes will include a dwelling coverage that is determined by factors you provide in the application process. Factors include square footage, building materials and type of building. Keep in mind that most other coverage on the fire policy will be determined by the dwelling coverage.
This means if the dwelling coverage is $350,000 then you will likely see a personal property coverage default to 75% of that amount or $263,000. Another coverage you will see is separate structures which might default to 10% of the dwelling.
Ask the insurance agent how they came up with the dwelling coverage and make sure it will be replacement cost and not cash value. Replacement cost is going to provide the ability to rebuild your home at today's prices versus cash value is at a depreciated value. The insurance companies use third party vendors to help determine reconstruction costs as the prices change each year. Ask a local builder what the cost per square foot would be to rebuild your home today including demolition costs.
Home Fire Insurance by City
- New York
- Buffalo
- Rochester
- Yonkers
- Syracuse
More cities are included but these are the largest in New York.
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