Westchester County, NY and Adjacent Areas
McCarthy Insurance provides complete home owner insurance products and services to individuals and families in southern New York state. This includes comprehensive policies for single family homes, multi-family homes, condominiums and co-ops.
Get a Home Owners Insurance Quote
McCarthy Insurance can provide you a fast, low-cost, no-obligations, home owner’s insurance quote. Be sure to mention the following situations which may qualify you for a discount:
- New Home
- Multi-Policy – Auto, Home
- Renovated Home
- Higher Deductible
- Rural Rating
- Smoke Alarm / Central Alarm
Home Owner Insurance Policy Review
Part of our analysis includes reviewing the following components of your home owner’s insurance:
| Insurance Coverage | Benefit |
|---|---|
| Dwelling Limit | Estimated cost to rebuild the structure including the foundation; this is not the resale value |
| Other Structures | Detached garage or shed automatic 10% of dwelling limit; no discount to delete |
| Additional Living | Reimbursement of the cost to rent an apartment or house should your home be unlivable |
| Personal Property | All of your possessions, subject to “special limits of liability” |
| Personal Liability | Lawsuit protection; does not include auto, business, professionals, criminal action |
| Medical Payments | Used to pay for minor medical bills to non residents injured on your property |
| * The coverage amount listed on your policy is the maximum amount paid put by the company per occurrence. | |
| Optional Coverages | Benefit |
|---|---|
| Guaranteed Rebuilding on Dwelling | Company will pay up to an additional 25%, should home qualify |
| Replacement Cost Contents | Basic policy would depreciate for age – RCC will pay to buy new; proof of replacement required |
| Off Premises Theft | Basic policy covers theft from home only |
| Scheduled Items | Special coverage for jewelry, furs, watches, cameras, golf clubs, etc. |
| Umbrella or Excess Liability | Extra layer of lawsuit protection over auto and homeowner limits |
| Secondary Home | Dwelling other than your primary residence |
| Rental Property | 1 to 3 Family only |
| Sewer Backup | Normally excluded, not intended for natural flood damages |
| Flood Insurance | Special policy required |
| Earthquake | Crack or settling to foundation not covered |
| Ice Damming | Automatically included on HO-3 policy |
| * The coverage amount listed on your policy is the maximum amount paid put by the company per occurrence. | |
Here are the most commonly excluded home owner insurance claims:
- Floods
- Leaks
- Insect Damage
- Wear and Tear
- Mysterious Disappearance
- Underground Storage Tanks
- Money, bank notes, gold – $200
- Watercraft trailers, motors – $1,000
- Jewelry, watches, furs, stones – $1,000
- Guns, gun accessories – $2,000
- Securities, stamps, manuscripts – $1,000
- Silverware, goldware – $2,500
Be sure to mention the following situations which may qualify you for a discount:
- New Home
- Multi-Ppolicy – Car, Home
- Renovated Home
- Higher Deductible
- Rural Rating
- Smoke Alarm / Central Alarm
