New York Home Insurance

Why Do You Need Homeowners Insurance?

When many people think of Home Insurance they do so because they have a mortgage or home equity loan and the bank requires it. Then people are just looking for the cheapest price for whatever the bank requires.

When you think of your Homeowners coverage, We want you to feel confident that you have the proper protection in place. We want to give you peace of mind that you and your home are protected.

Home Owners Insurance offers much more than just coverage if your home burns down. It can cover a wide array perils, such as:

  • Wind
  • Vandalism
  • Weight of snow and ice on the roof
  • Freezing
  • Accidental bursting of pipes
  • And much more!

Many of these type of coverage are built in automatically and then there are several other endorsements that also can be added, such as the backup of sewer and drains or sump pump failure.

Homeowners Insurance policies also offer coverage for your personal property. That's all your 'stuff'. While your on vacation and your luggage is lost or stolen, or items you store in the garage. Many carriers recently began offering coverage for mechanical breakdown too - which is really exciting because before if your TV was struck by lightening or was damaged by a peril listed above it was covered but not if his just "wore out". Now with the mechanical breakdown endorsement that is possible.

Homeowner policies are typically written for replacement cost. That means in the event of a partial loss you get what ever it costs to repair or replace the damaged portion of the property with like materials and labor. That goes for your personal property too. If you have replacement cost on your contents, the homeowner carrier will pay to replace with a similar make and model - like your TV for example.

One of the most important coverages on a Home Insurance policy is personal liability coverage. This not only provides protection if someone is injured on your property. It also provides liability protection for you and any resident relatives. It protects you if your son or daughter throws that baseball and it breaks a window. I also like to use the example if you are in a supermarket and you accidentally run your shopping cart into someone's car and are sued. Your homeowner carrier will pay to hire an attorney to protect and defend you in a court of law and pay any claims if necessary.

Contact Tanner Insurance Agency, Inc. in Madison, Oneida or Norwich New York now, to preserve and protect home, personal property and you & your family.

What About Jewelry, Furs, Antiques, Collectibles, And Guns?

We provide Home Owners Insurance by vigorously pursuing value added protection for you and your home. If you have jewelry, furs, antiques, collectibles, guns etc. there is usually a maximum amount of coverage for these items if they are lost or stolen. If we schedule them on your policy, you can get the increased coverage you need for these items.

We are proactive for our NY homeowners. Every three years we contact our clients, to take a look at improvements that may have been made or that anniversary diamond that was given around the holidays. We want to make sure you and your assets are protected. Best coverage for the cheapest price.

For example, has you home value changed? If so, you might need an insurance policy adjustment. If you have increased or decreased possessions, that is worth discussing. If you are ever concerned about that body of water near your home flooding, call us 315-893-7790.

Tanner Insurance Agency, Inc. Your NY Homeowners Insurance Expert

Whether you are blindsided by a storm or a lawsuit, thinking afterward about what you should have done before the event is for the reckless. The responsible know better. Remember, we are all just one card shuffle away the devastation of having to start over.

At Tanner Insurance Agency, Inc. we have protected the citizens of NY since 1984. We are friends with the people here. We know Home Owners Insurance. We also understand that what would take you 100 years to pay on an annual policy, you could be liable for in a five second tragedy.

We also offer many Free Reports about protecting your home offering winter protection and weatherization tips, tricks, advice and steps to take to prevent a loss before it occurs. Also a Free Home Inventory checklist to help keep track of what you have before a loss occurs.

Complete the Protection Savings Form today and let our insurance professionals stack the deck in your favor!