Homeowners & Renters Insurance coverages

Home insurance provides coverage for homeowners, and we offer two settlement options for your property and contents: Replacement Cost or Actual Cash Value. Most homeowners choose Replacement Cost coverage, which includes replacement cost coverage for contents as well. However, some homeowners may prefer Actual Cash Value coverage, especially if their home's replacement cost exceeds its market value, such as an older home in Upstate New York.

We don't impose minimum limits on our coverage, so you won't have to carry more insurance than the replacement cost of your dwelling. 

Additionally, we offer 3-year policies, and your premium is locked in and guaranteed not to increase for three years, unless you make a change that increases the coverage. 

*New York State Only homeowners insurance