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Home Owner’s Insurance

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
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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

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Contact Us

McCarthy Insurance
378 Elwood Avenue
Hawthorne, NY 10532
Phone: (914) 769-0417

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