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Looking for New York homeowners insurance? Want to get the best rate with a reputable company? Here's how to get it ... New York Homeowners Insurance There are three things you need to consider when choosing homeowners insurance in New York - the coverage, the cost, and the company. Homeowners Insurance Coverage You want enough home owners insurance to rebuild all or part of your home if it's damaged by a fire, vandalism, or natural disasters such as hail or snow damage. You also want enough coverage to replace your personal possessions like furniture, clothing, and electronics - if they're damaged or stolen. New York home owners insurance does not cover flood or earthquake damage. If you want these coverages, you'll need to purchase them separately. And, depending on where you live in New York, you may also need to purchase coverage for wind damage. Homeowners Insurance Cost 1. Consolidate Your Insurance - Most insurance companies will give you a discount of up to 30% if you insure both your home and your car with them. You also get the added benefit of having only one agent to deal. 2. Add Safety and Security Devices - Insurance companies will give you a good-sized discount if you install dead bolt locks, smoke detectors, fire extinguishers, burglar alarms, sprinklers systems, and fire alarms. Doing this will not only give you added protection, it will also give you peace of mind. 3. Raise Your Deductible - The deductible is the amount you pay toward a claim before your insurance company pays. The higher your deductible, the lower your premium will be. Deductibles vary anywhere from $100-$5000 or more. Most homeowners carry a $500 deductible. Raising your deductible to $1000 can get you up to 20% savings on your yearly premium. A few claim-free years and you've made up the difference. 4. Shop Around - Because homeowners insurance rates can vary by $1,000 or more between companies, you can get the biggest savings on your New York homeowners insurance by comparison shopping. All you have to do is go to an insurance comparison website and spend a few minutes filling out a simple form. You'll get quotes from a number of different companies and you can then choose the best one. The best of these sites even offer an online chat feature so you can get answers to any insurance question you may have from an insurance professional. (See link below.) Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get New York homeowners insurance quotes from top-rated insurance companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on New York homeowners insurance.
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