Home insurance is one of the best decisions you can make in your lifetime. If you have already purchased a home in New York, you may think that was the biggest decision but deciding to protect it with an insurance policy can ensure you keep your home for years to come. If you are looking for an insurance policy, Zapp Insurance Agency, LLC, serving Ballston Spa NY, is the right place.
Home Insurance Requirements in New York
In the state of New York you are not required to have home insurance under state law. You may be required to have it, though, if you currently have a mortgage on the home. Some mortgage lenders require home insurance from their borrowers before they will even approve the mortgage. This is the only way you can be required to have home insurance. If you want to protect your home, though, take a cue from the mortgage lenders and get a home insurance policy.
What Does Home Insurance Cover?
Home insurance covers a lot, actually. There are some things a policy typically won't cover, though, such as flood or earthquake coverage. Some of what it does cover includes to actual home, means the walls, the floors, the ceiling, and the roof. It can also protect everything that you keep within the home. Your personal belongings are part of the insurance policy which helps protect you from robberies and break-ins. If someone gets injured on the property, you are protected by personal liability protection. The right insurance agent ensures all of these components are included in your home insurance policy. Every policy is different but these main components should stay the same.
Contact us at the Warren Zapp Insurance Agency, LLC serving Ballston Spa, NY, to find the ideal home insurance policy that meets your coverage needs as well as budgetary needs. We have the perfect insurance agent to help you find the ideal policy.