Benefits of Home Insurance Policies
If your house is damaged or destroyed by flood, fire or some type of natural disaster, you will be accountable for the costs of rebuilding your home and any losses occurred. Having a homeowner’s insurance coverage can help replace your personal property or provide financial assistance if you are responsible for damages to another person’s property or an injury sustained on your property. Furthermore, you could also receive financial help to cover court fees, food and shelter in case you have to abandon your home. Speaking with an insurance agent can help you learn which kind of insurance works for you and your needs.
Homeowners insurance can vary from basic liability coverage to more comprehensive policies that provide coverage for your personal property or the structure of your house. Your Keats insurance agent can help you understand different coverage’s and determine what policy will work for you and your circumstances.
Why You Need an Agent
Our agents always take time to listen to you and understand your personal needs. We’ll match you directly with an insurance agent who specializes in property insurance. We have great options for personal property coverage for individuals and families as well as commercial policies for business owners. An accredited Keats agent who is highly experienced in property insurance will help you find the coverage that is right for you. We give you all you need to know to make the best decision for your unique needs. Our agents at Keats Insurance Agencies are very well versed and familiar with the market so you can trust that they will find the best value for your money.
Basic vs. Extra Coverage
Basic homeowners insurance is quite limited and one needs to know what those limitations are. Broadened coverage is available and should be discussed with a professional agent. Talk it out. Some folks need additional coverage that can protect you for flood, earthquake, ordinance or law changes and more. Also consider the loss of personal property like jewelry, computers and cameras. We offer policies that include Replacement Cost on Contents and Replacement Cost for Dwellings. Replacement Cost coverage is how much money it takes to replace damaged or ruined property with something new that is the same or similar in the current market. No one wants to have their claim settled for a depreciated amount. Make sure Replacement Cost Coverage applies to your policy.
Contact an Insurance Agent Today
Call us to speak to one of our dedicated and experienced insurance agents near Garden City, NY today. We’ll help you find the right plan for you and your needs and quotes are always free.