While it is true that a homeowner’s insurance policy will cover the risks that are outlined within the policy, it is also true that most of these policies will not cover homes that are unoccupied or vacant. While you may think it is safe to allow coverage to lapse on empty homes, it is not…. Read More…
Home Insurance
3 Technologies That Have a Direct Impact on Insurance Premiums
In today’s world, insurance companies around the world are now utilizing advanced forms of insurance technology. As a consumer, you are able to experience this technology in numerous ways. Examples include getting insurance quotes instantly by simply clicking a button, managing your policies through an app on your smartphone, and the ability to ask questions… Read More…
3 Strategies for Lowering the Costs of Homeowner’s Insurance
There are numerous unavoidable expenses associated with home ownership. One of the most significant is homeowner’s insurance. The amount that you pay for this type of coverage will depend heavily upon the location of the structure, its age, and the coverages that you elect to obtain. Even with that, the national average of the homeowner’s… Read More…
The Factors That Directly Impact the Cost of Homeowner’s Insurance in New York
The premiums that are charged for homeowner’s insurance in New York vary immensely from one company to another. In order to get the best value, consumers should do a little shopping around. If you lack the time or the patience for this research, contact us here at Modica Associates today. We take all of the… Read More…
Is Homeowner’s Insurance Required by Law?
As a homeowner, you are not legally required to obtain homeowner’s insurance; however, if you are taking out a mortgage or are currently paying on a home, your designated lender will require that you have proof of homeowner’s insurance coverage. If your mortgage is paid in full, you do not have to purchase insurance. You… Read More…
Homeowner’s Insurance – An Easy to Understand Guide for New Homeowners in New York
If you are a new homeowner in the State of New York, there is one thing that you should learn right from the start – homeowner’s insurance is not considered to be a “luxury”, it is an absolute “necessity”. This type of insurance is designed to protect both your possessions and your home from situations… Read More…
Important Considerations That Should be Made Prior to Purchasing and Renovating a Brownstone Home
Many individuals dream of owning a brownstone home in the City of Brooklyn. If you are reading this, it is quite likely that you are in the process of making that dream a reality. While purchasing this type of specially-designed home certainly is a both a privilege and an honor, it is also a hefty… Read More…
How to Keep Your Home Safe from Thieves
According to statistics, home burglary crimes occur at least once every 15 seconds within the United States. That averages out to be 240 crimes every hour. In a day, that is a total of 5,760 home burglaries. Most of these occur between the times of 10 am and 3 pm due to the fact that… Read More…