Homeowners Insurance
Protecting your home with Homeowners insurance
Home is where the heart is. Home is also where you feel the most relaxed and comfortable. Therefore, home is what you should want to protect. So put your feet up and relax at home and BlueRock will help you protect your home with a homeowners insurance at the most affordable price.
what is a homeowners insurance?
Homeowners policy covers property and liability insurance in a single policy. In an event of a disaster, whether it’s earthquakes, storms, hurricanes, wildfires or any natural risks, you can be assured that your homeowners insurance can protect you.
Depending on where you live and what natural disaster affects your area, several different insurance coverage may be needed. For example, New York and New York residents are more exposed to tropical storms, floods, winter storms, blackouts.
In addition to that, if you have assets that you want to protect, including jewelries or a valuable collection, you may want to consider extra insurance. You can consider attaching an umbrella policy to your homeowners policy, it provides liability coverages in excess of the liability limits of your current homeowners policy.
Service That Goes Beyond Quality Coverage
At BlueRock Insurance Services, our brokers are dedicated to helping homeowners from New York and New Jersey with any questions you have to help you meet your needs:
Understand your choices so you can find what coverage fits your needs and your budget
Answer your question to “how much is homeowners insurance” and get you a free quote
Protect and maintain your home with helpful tips & resources
Get answers about the claims process and navigate through it
Top 4 Homeowners Insurance Tips
Get enough home insurance coverage. While it sounds simple, make sure you have enough coverage to completely rebuild your home (or ensure you have the deposit for a new rental), replace your personal belongings and protect yourself in case someone is injured on your property and sues you.
Consider the amount of the deductible. Generally speaking, the higher the deductible the lower the premium.
Customize your policy. There are certain hazards that your regular home insurance policy doesn’t cover. However, you can add specific coverage for an additional cost.
Make sure you've accounted for everything you want to cover. Keep a list of your valuables and consider taking pictures. It'll help speed up the process of getting your things replaced.
Sample Homeowners Insurance Premium:
Starts at $800 annual premium based on $300,000 building limit - $1,000 deductible, $1 million personal liability
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