If you have tangible assets, you need the protection of a homeowner’s policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner’s policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier not you in the event of a loss.
"I have been a customer of Yorktown Heights insurance for about 3 years with Bonnie. I refer to Yorktown Heights Insurance as Bonnie because to me they are more than just your average insurance company. When you sign up with YHIA you become part of their family. I have had 5 different insurance companies in the past and never have I felt the comfort and family invitation of an insurance company like theirs before."–Robert Madsen, All Season Tree Care
"Bonnie truly understands my families needs and the insurance industry. We have developed a strong relationship with YHIA and know we can trust them to guide us in the right direction. YHIA handles all my families insurance needs and provides the necessary advice and services to help us save money."–Paul Nolan, Yorktown Heights