Homeowners Insurance

Homeowners Insurance
for Troy, Clifton Park, Albany, Schenectady, Rensselaer, NY & Beyond

Name: Apple Auto Agency
Address: 19 Colvin Ave., Albany, NY, 12206, US
Telephone: 518-459-6900

Why You Need Homeowners Insurance

If you own a home, you need homeowners insurance. Your home is likely one of your largest financial investments you'll make in your lifetime, and though it might be well-built, it can be surprisingly vulnerable. There are numerous risks including natural disasters, fire, storms, theft, and more that can leave your property damaged and your wallet in bad shape. Homeowners insurance can protect your investment and safeguard your home and family from financial risk.

How Does Homeowners Insurance Protect Me?

With the right policy and add-ons, your home can be protected against fire, natural disasters, theft, and even floods and earthquakes (provided you have a flood and/or earthquake policy). Some policies even include liability insurance, which protects you if someone is injured on your property or by a member of your family (including a pet). Because home insurance can be such effective protection, many banks require customers who have a mortgage to purchase it.

When you consider all of this, it’s clear that homeowners insurance is a wise investment. After all, you can’t put a price on peace of mind!

Homeowners Insurance Protects More Than Your Home

While standard homeowner policies provide protection for your home, its coverage usually extends to more than just the physical structure. From personal belongings to covering medical bills if a guest is injured on your property, a homeowners insurance policy may include coverage for:

Your dwelling: If your home or any of the attached structures including your deck or garage are damaged by a covered peril, dwelling coverage may assist in paying for required repairs.

Other structures: This coverage in your policy can help pay for repairs or replacements for detached structures including fences or sheds if they are damaged by a covered peril.
Personal property: This can help pay to replace certain personal belongings including furniture and electronics that are stolen or damaged.
Liability coverage: If you or a member of your family are found legally responsible for accidentally damaging someone else's property or injuring someone, liability coverage can help pay for related repair costs, legal fees, and medical bills.
Guests. If one of your guests are accidentally injured in your home, your policy's guest medical protection may help pay for their medical bills.
Additional living expenses: If you are unable to live in your home after a fire or other claim, your homeowner's insurance may help pay for temporary living costs, including hotels.

Helping You Find the Right Homeowners Insurance Policy

Despite what our name might suggest, Apple Auto Agency also sells homeowners insurance! We serve homeowners in Troy, NY; Clifton Park, NY; Albany, NY; Schenectady, NY; Rensselaer, NY; and the surrounding areas. Our team can help you find a policy for anything from your family’s home to a rental property, lakeside vacation house, or condo.

Here are just a few of the things we’ll do as we help you shop for the right policy:

• We’ll help you find a company that has a good track record of paying claims fairly.

• We’ll talk about the benefits of getting full replacement cost insurance.

• We’ll ask if you want riders for things like jewelry, antiques, or expensive electronics.

• We’ll help you find flood insurance if your home is in an area that’s vulnerable to flooding.

• We’ll help you find all available discounts, whether they’re for things you’re doing already or easy home improvements you can make to qualify for them.

See for yourself why so many homeowners in and around the Capital Region trust us for home insurance.

Call today to request a quote!