Astoria Homeowners Insurance

Your Complete Guide to Astoria, NY Homeowners Insurance

How to find a local independent agent

Astoria New York homeowners insurance

Known for its Greek heritage, Astoria, NY, is traditional in nature. With a more youthful crowd soaking up the affordable housing, this city is becoming popular.

If you own a home in this hip town, you'll want protection. An independent insurance agent can get the coverage you need. Connect with a trusted adviser today to get started.

What Does Homeowners Insurance Cost in Astoria, NY?

When you're uncertain of home insurance costs in Astoria, NY, an agent can help. Rates are based on your individualized criteria, making them specific to you. Let's look at the average homeowners premium:

  • National average: $1,211
  • New York average: $1,309

The state and national averages give you an idea of what your premiums could be. Take a peek at what the carriers use to determine your homeowners pricing:

  • Your address
  • Your credit score
  • Your insurance score
  • Your claims history
  • The value of your home
  • The square footage of your home

Homeowners insurance is essential, and price matters. Get with your local independent agent to obtain quotes. 

Local Crime in Astoria, NY and Your Homeowners Insurance

The safer the city, the less your Astoria home insurance will cost. Local crime rates are a price-determining factor that the carriers use. 

Burglaries per 100,000 Households:

  • National average: 376.00
  • New York average: 159.30

The number of burglaries per 100,000 houses in New York is less than half the national average. This means your home insurance rates could be less. Another way to save on cost is to have your independent agent bundle your home and auto insurance. If you bundle policies, you'll qualify for large discounts. 

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Natural Disasters and Your Astoria, NY Homeowners Insurance

When catastrophic events invade your everyday life, you'll want to be sure your home insurance will respond. Your policy needs to be correct the first time. Take a look at the most common occurrences in New York:

#1 - Severe storms and lightning

#2 - Flooding and water damage

#3 - Heavy snow

#4 - Hurricanes and tropical storms

#5 - Burglary and other property crimes

Your homeowners insurance should be the first defense when a disaster strikes. Discuss your coverage with your Astoria independent agent. 

Flood Insurance Explained:

Your primary homeowners policy will not provide coverage for flood damage. When flooding occurs, you'll need a separate flood insurance policy to cover the loss. Speak with your local independent agent to get flood insurance that's right for you. 

 Liability Insurance in Astoria, NY

Liability insurance is included in most homeowners policies. When a member of your household is sued, your liability insurance could apply. 

Liability Coverage Explained:

Your home's liability coverage will protect your finances from a lawsuit arising out of:

  • Bodily injury to another party
  • Slander or bullying caused by a household member 
  • Damage to another person's property
  • A pet bite claim

Examples of Common Liability Claims:

  • Your tree falls on your neighbor's car, causing damage to their property. 
  • Your dog bites a friend that comes for a visit, causing injury.
  • Your post on social media is construed as defamatory, creating a lawsuit.
  • A person runs across your yard and falls in a hole, getting injured.

A different type of liability coverage is umbrella insurance. This policy will supply additional limits of liability over your underlying home policy. Once your home coverage is exhausted, your umbrella insurance will apply. Discuss options with your Astoria independent agent.

Match with a Local Independent Agent in Astoria, NY

Homeowners insurance is an important policy and shouldn't be left to chance. When you're searching for coverage, an independent insurance agent is a useful resource.

They work with several carriers, finding you a policy for an affordable price. Connect on TrustedChoice.com to get started on home insurance. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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