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In New York, having the best coverage possible for your property is important. Property insurance provides financial compensation to the owner or renter of a structure and its contents in case there is fire, damage, theft or injuries. There are many different types of property insurances available to suit any needs you may have. It is also crucial to understand state laws and limitations on property insurance, especially if you are renting an apartment.
Property insurance can include a number of policies – like homeowners insurance, renters insurance, flood insurance and even personal property. One exception is high value personal property – valuable possessions are usually covered by purchasing an add-on to the policy. If there’s a claim, the property insurance policy will either reimburse the policyholder for the overall cost of the damage or the cost of fixing the issue.
Damage covered by property insurance includes weather-related problems, such as damages caused by fire, smoke, wind, and hail. Property insurance also protects against vandalism and theft against your building, and provides coverage in case someone other than the property owner or renter is injured on the property and sues. Property insurance policies normally exclude damage that results from a variety of events, including natural disasters, floods, and poor drainage. For the best property insurance in New York State, contact Friends insurance for a quote.
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