Westchester Homeowners Insurance

Your Complete Guide to Westchester, NY Homeowners Insurance

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Westchester New York homeowners insurance

Westchester, NY is close enough to New York City, but without the big city hustle. Surrounded by the Hudson River, Westchester is set apart. 

When you need to protect your home in this quiet village, you'll want the right type of coverage. An independent insurance agent has a home policy for a competitive price. Connect with a local expert to get started.

The Price of a Homeowners Policy in Westchester, NY

When you're in the market for homeowners insurance, it might be tempting to compare prices with your neighbor. Since each policy is customized on an individual basis, your premium is unique. To have a better idea of where your rates might fall, let's look at the averages:

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

Your premiums may be above or below the state and national figures. It will depend on varying risk factors. Take a look at what the carrier's include to determine your costs:

  • The local crime rates
  • Your credit score
  • Your insurance score
  • Local weather patterns
  • Your claims history 
  • The coverages you select 
  • The year, construction type, and square footage of your home
  • Any policy discounts that may apply

One item that can help with rate reduction is bundling. When you bundle your home and auto insurance, you'll get a large discount. Speak with your Westchester independent agent about pricing today.

Does Your Westchester, NY Homeowners Insurance Cover Burglary?

Outside factors significantly impact home insurance premiums. The number of crime-related claims filed in an area will affect your insurance costs. 

Burglary Rates Per 100,000 Households:

  • US average: 376.00
  • New York average: 159.30

Your homeowners policy will have coverage for theft if it's written correctly. If you are the victim of a break-in, you'll want to be sure you have a policy that responds. Connect with your local independent agent to go over your homeowners insurance. 

Liability Insurance Options for Your Westchester, NY Home

Liability coverage is included in almost every homeowners insurance policy. When you have a loss, you'll want to make sure your limits are adequate. Let's look at what your liability insurance will protect against:

  • If you or a member of your household is sued for slander or bullying
  • If a person gets injured on your property
  • If you cause harm or damage to a person or property while away from home
  • If your pet causes injury or damage to another party

These are common instances where your liability insurance could apply. Another policy to better protect you and your family is umbrella insurance. This will provide coverage for a more significant liability claim. When your underlying home limits have been exhausted, this policy will kick in. Speak with your local agent to find the best liability coverage for your home.

Homeowner Risks in Westchester, NY and Your Insurance

Catastrophes and natural disasters can leave you and your loved ones in despair. If you're without the proper coverage, then you could suffer a large out-of-pocket expense. Take a look at the facts:

  • Number of federally declared catastrophes since 1953: 101
  • Most common disasters: Severe storms
  • Number of tornadoes per year: 10
  • Homeowners claims paid in 2016: 2,170,228,000

With almost two disasters per year, you'll want to make sure your coverage is sufficient. An independent agent can go over your home policy for accuracy. 

The Main Homeowners Policy Coverages:

  • Liability - Protection from a lawsuit
  • Dwelling - Protection for replacement or repair of your home
  • Other structures - Protection for replacement or repair of detached structures
  • Personal property - Protection for replacement or repair of your personal belongings
  • Additional living expense - Pays for the cost of a rental home or hotel when a loss occurs

Go over these common coverages and more with your local agent. They can do an insurance analysis to make sure you have all the right protection. 

Flood Insurance and Your Westchester, NY Home

Your home is at risk for flooding, no matter where you live. Since your primary home policy excludes claims resulting from flood damage, this is the necessary insurance to have. See how you can obtain flood insurance in three easy steps:

#1 - Get connected with an independent agent.

#2 - Determine what flood zone your property is in. 

#3 - Purchase flood insurance from the best option presented.

Similar to life insurance, a flood policy is often optional. FEMA has calculated the cost of just one inch of water damage to be $25,000 or more. Avoid any personal expense and contact your Westchester agent about flood insurance. 

Why Work with an Independent Insurance Agent in Westchester, NY?

A Westchester, NY, an independent insurance agent is an excellent resource to have in your corner. They have access to local carriers, finding you the best price on home insurance. 

An independent agent works on your behalf, with your interests in mind. Connect with a local expert on TrustedChoice today.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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