What is the Minimum amount of Liability Coverage for Homeowners Insurance in New York?

If you’re buying a home and you need an insurance policy Selden or Mastic insurance agents can help you. The key, however, is to get an independent agent like us so you can learn about different companies and policies. Depending on the company you use, the price of your insurance can vary widely. You don’t want to pay too much, but you also don’t want to necessarily choose the cheapest company. You should be focused on value, not price. To do that, you need to make sure you’re getting coverage for at least the minimum required by your state.

Typically, a liability coverage amount of $100,000 is expected. When you use a good insurance agent, you can feel comfortable that you’re getting the coverage you need. Most people go for more than the minimum for liability, also, because they are concerned that a serious incident could cost them more than the liability protection they have. It’s up to you what amount of coverage you choose, but working with us can help you make a more informed choice about your liability options. If money is tight, though, the minimum liability coverage is all you have to get.

Homeowners insurance can see complicated in New York, but it doesn’t have to be. You just need to get someone to guide you through the process. Trying to figure everything out on your own can be time consuming and stressful, especially if you’re in the middle of trying to buy or build a house. You likely have enough worries, and don’t need another one. Come in and see us about your homeowners policy and liability insurance, and we’ll make sure you have one less worry to fret over. We can show you what policy would be best for you and explain why, so that you can leave with peace of mind.