Home Insurance for Families
All of Long Island is considered a coastal area, and homeowners here face a number of weather-related risks. Since 1963, the James F. Sutton Agency has been helping individuals and families in Suffolk and Nassau counties protect themselves and their property. We work with a network of highly rated insurance companies that provide the right coverage to address unique risks.
You can trust that we will shop and compare various home insurance to find the best policy for everything from fixer-uppers and condominiums to rentals and mansions in the Hamptons.
Home Insurance Basics
While each policy varies based on specified limits, exclusions, insurance companies, and other factors, there are standard parts to every policy that home or condo owners should understand.
Property
Your policy will cover costs associated with damage caused to your home and any attached buildings. We will review the difference between purchase and replacement costs with you, as well as identify whether you need additional coverage for detached garages, sheds, gazebos, and other structures.
Personal Property
In general, you can be reimbursed for personal belongings that have been damaged or stolen. We suggest you create an itemized list of your belongings together with photo or video proof in the event of a loss. Additionally, we often suggest extra protection for more valuable articles such as jewelry, gun collections, antiques, and fine arts.
Temporary Housing
Should your home become uninhabitable due to a covered claim, your policy will provide a certain amount of financial assistance for temporary housing and any additional living costs.
General Liability
If someone is injured while on your property, whether a welcomed visitor or a passerby, you can be held responsible for any resulting medical and legal costs. You may also be liable for damage caused to others’ property. The general liability protection will cover these costs up to the limits in your policy. As these limits are easily exceeded due to the high costs of litigation and medical bills, we will discuss whether you may benefit from purchasing an excess liability (umbrella) policy.
For renters seeking insurance, a renters insurance policy will cover the same items listed above, except for the building itself, which would be covered under your landlord’s insurance policy. Whether you are a first-time home buyer looking for a home for your growing family or a seasoned buyer seeking a vacation home, we can help you identify the coverage you need so you can choose the right policy.
Second Homes on the Coast
From Oyster Bay to the Hamptons, Long Island offers some of the best coastal homes on the Atlantic. Homebuyers from Manhattan to Los Angeles seek out our beaches for their vacation or seasonal homes. However, these home buyers do not see that these high-value homes often face greater risks than houses found within the heart of the island.
If you are seeking a second home in Long Island, turn to the James F. Sutton Agency. As a family agency that has been here for over 62 years, we have come to understand the types of protection that best cover these homes. We also believe we can provide the most in service and value by offering to cover your cars, boats, and other vehicles, allowing you to take advantage of multi-policy discounts.
Windstorm and Flood Insurance
From Hurricane Gloria to Superstorm Sandy, the shores of Long Island have found themselves along the destructive path of numerous named storms over the years. These storms often cause severe flooding and other water damage not covered by a standard home insurance policy.
Protect yourself against nor’easters, hurricanes, and windstorms. Speak to an agent at our Long Island office to learn about our flood insurance policies so you can choose the right one to fit your risk exposures.
Turn to Our Family Today To Protect Yours
Contact our family-owned agency today for a quality home insurance policy that covers your property without emptying your pocketbook. We serve homeowners, co-ops, condo owners, and renters throughout Long Island.
Contact our family-owned agency today for a quality home insurance policy that covers your property without emptying your pocketbook. We serve homeowners, co-ops, condo owners, and renters throughout Long Island from our central location in East Islip, NY.
