We at NY Twin Bridges Insurance Agency are proud to offer not only auto insurance and commercial insurance, but also a variety of homeowners insurance policies to fit the needs of any homeowner in the Albany area. Homeowners need to have an insurance policy for several reasons, starting with the obvious: Most mortgage lenders actually make it part of the mortgage contract that the home buyer must maintain a homeowners policy.
Another reason that homeowners policies are so valuable is the protection that they provide for the policy holder. That protection includes:
Liability coverage is a type of protection for you as the owner of the property. If anyone other than your family were to visit your home and suffer from an injury while they are on the property, you could be held responsible for any recovery costs they may have. This could include doctor visits, hospital time, surgery, rehabilitation, and more.
Everything inside your home is covered by your homeowners policy. In a situation such as theft, vandalism, or property damage, your policy would pay for you to receive replacements for the items lost.
The Home Structure
The structure – the actual building of your home – is fully covered by your homeowners policy, as well. If your home is damaged by fire or other environmental hazards, this is the part of the policy that will provide for repairs to the home, or even for the construction of a new home if it is deemed a complete loss.
Don’t get caught without the level of homeowners insurance coverage you need. Instead, you can easily do price comparisons on the internet through NY Twin Bridges Insurance Agency to find out what options are available!