Homeowner Insurance

Westchester County NY and Adjacent Areas

McCarthy Insurance provides complete homeowner insurance products and services to individuals and families in southern New York.

This includes comprehensive policies for single family homes, multi family homes, condominiums and co ops.

Homeowner Insurance Policy Review

Part of our analysis includes reviewing the following components of your home owner 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
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.

Most Commonly Excluded Claims

Here are the most commonly excluded home owner insurance claims:

• Floods
• Leaks
• Insect Damage
• Wear and Tear
• Mysterious Disappearance
• Underground Storage Tanks

Special Limitations on Personal Property

• 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

Homeowner Insurance Discount

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

Our staff is ready to provide you a fast, low cost, no obligations home insurance quote.

Call for a FREE Quote & Consultation
914-769-0417