Category: Homeowners Insurance

You have just hired a full-time domestic employee...

  You have just hired a full-time nanny to care for your children.   That makes you, the homeowner, an employer and due to NY State Statute, requires purchasing Workers Compensation and NY Disability to protect your employee. Your homeowner policy would exclude coverage for this exposure. So, where do we obtain this coverage? NY State offers a competitive market for obtaining both types of insurance....

Out of school, into your first apartment...

  What do you do if you’re out of school, living independently, and you are no longer listed or insured on your  parents’ policies? Now, you are about to rent an apartment and are required to provide proof of liability coverage to comply with the lease.  So, what should you do? We suggest a “Tenant’s Policy” to cover your liability in relation to the home or...

Home Renovation & Remodeling

Part I - Renovation When you’re remodeling your home, there are various things to consider.  First, changes to the home might affect your homeowner insurance and could create a future problem if the insurance company is not notified.     Your policy should reflect the full cost to rebuild your home; you would want to fully protect your asset.   When working with a general contractor (GC) be...