Our Services
Dwelling Coverage
Dwelling Coverage protects the physical structure of your home, including the walls, roof, and built-in fixtures, against damages caused by fire, storms, vandalism, or other covered perils. For homeowners in Eagle Bridge, NY, this coverage ensures repair or rebuilding costs are taken care of, so your home can be restored to its original condition.
Personal Property Coverage
This coverage protects your belongings, such as furniture, electronics, clothing, and appliances, if they are damaged, stolen, or destroyed by a covered event. Whether it's a kitchen fire or a break-in, you can rest easy knowing your possessions are covered.
Liability Coverage
Liability Coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. It covers medical expenses, legal fees, and settlements, ensuring you’re not left financially vulnerable. For example, if a visitor slips on your icy walkway, this coverage steps in.
Additional Living Expenses (ALE) Coverage
If your home becomes uninhabitable due to a covered loss, ALE Coverage helps pay for temporary living expenses, such as hotel stays, meals, and other costs while repairs are being made. For families in Eagle Bridge, NY, this ensures you have a safe place to stay during unexpected situations.
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FAQ's
Standard policies typically cover certain disasters like fire, windstorms, and hail but may exclude floods and earthquakes. Additional coverage can be added for these events.
Home Insurance usually excludes wear and tear, intentional damage, and specific natural disasters like floods or earthquakes unless additional policies are purchased.
Yes, liability coverage helps pay for medical bills and legal costs if a visitor is injured on your property due to an accident.
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