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    What Most Homeowner's Insurance Policies Do and Don't Cover

    Last updated 4 years ago

    When searching for comprehensive insurance coverage, it’s important to pay careful attention to what is protected and what is excluded in a policy. Knowing what to expect from a standard policy can help you get the best deal available. Take a look at this list of important things you should know about what most homeowner’s insurance policies do and do not cover.

    1. Structural Coverage: Homeowner’s insurance policies typically cover the costs of repairing or rebuilding a home that has been damaged by a natural disaster, such as a lighting strike, fire, or hurricane. Standard policies will not cover damage from flooding or earthquakes, so those should be addressed separately. Your homeowner’s insurance agent can help you purchase additional coverage, if necessary.
    2. Liability Protection: Most insurance policies for homes will cover the cost of defending the homeowner and his or her children and pets in court during a personal injury or property damage lawsuit. If a non-related person is injured in the home, medical bills can also be submitted to the insurance company.
    3. Personal Possessions Coverage: Personal items or belongings like clothing, jewelry, electronics, and furniture are protected in the case of theft or loss. For more expensive items, there is often a limit on the value of coverage. Many companies cover belongings at 50 to 70 percent of the total structural insurance worth.
    4. Conditional Expenses: If a home is damaged by strong wind or a similarly destructive disaster that leaves it uninhabitable, homeowners can collect money for additional living expenses (ALE). These expenses may include hotel bills, restaurant meals, and lost rent for homeowners who act as a landlord on their property.

    Knowing what to look for in a policy is crucial. The award-winning staff at Completely Covered Insurance can help you learn more about your best options for homeowner’s insurance, as well as for auto, contractor, commercial, and business insurance. Come visit us in Long Island or give us a call today at (888) 648-2846 for more information.

    About New York's No-Fault Insurance Law

    Last updated 4 years ago

    Along with 11 other states, New York observes a no-fault insurance law that is aimed at providing personal injury protection to drivers, passengers, and pedestrians, regardless of fault. The conditions of this law can be quite confusing, but your insurer can help you understand how it affects you and your auto insurance. Take a look at these common questions and their answers to learn more:

    Who is covered?
    The No-Fault Insurance Law requires auto insurance policies to cover the insured and those who reside in his or her home. In addition, if any passengers are New York residents and an accident occurs within the territorial United States and Canada, the passengers may also be entitled to protection. Those not included in coverage are drivers who are injured while under the influence of alcohol or drugs. Also excluded are those hurt while driving a stolen or uninsured vehicle.

    What is included in the coverage?
    Coverage for the driver includes a maximum daily award of $25 for necessary expenses caused by the accident, including transportation costs to and from doctor visits. This insurance also includes compensation of 80% of wages lost due to injury, as well as a monthly payment subject to regulations established by the state and federal offices in charge of disability benefits. Any accident-related medical expenses are covered by the policy.

    What is the main purpose of this law?
    The No-Fault Insurance Law is intended to eliminate the lengthy and costly litigation process that often arises to determine who is at fault for an accident. This should also help lower premium costs for drivers

    If you are a Long Island resident, it’s important to know how regulations like the No-Fault Insurance Law can affect your everyday life. At Completely Covered Insurance, we’ve been working hard for over 10 years to help drivers get the best auto insurance coverage to fit their needs. To learn more about our services, give us a call today at (888) 648-2846.

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    Last updated 4 years ago

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    Last updated 4 years ago

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    • I looked them up as a local company and they are excellent - I can depend on them. I have recommended them to friends and family.


    If You're A Contractor Or Boat Owner With More Questions About Getting The Right Insurance, Click On These Great Resources:

    Last updated 4 years ago

    Having insurance coverage is essential for keeping your contractor or marine projects safe. If you’d like more information on contractor or marine insurance policies and coverage, you may wish to consult the following resources:

    Are you looking for an insurance provider in the Long Island area? If so, contact Completely Covered Insurance today at (888) 648-2846 for a free quote.

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