expert tag & motor vehicle services

quick turnaround time

4910 new utrecht ave. brooklyn, ny 11219

expert tag & motor vehicle services

quick turnaround time

4910 new utrecht ave. brooklyn, ny 11219

How Can I Get Homeowner’s Insurance?

How Can I Get Homeowner’s Insurance?

Buying a home is an exciting time. You get to settle into your desired location. You get to search for a home like you’re a buyer on House Hunters. And you get to make something your own—you can paint the walls whatever color you want, get creative with your landscaping, and expand your home if you prefer to add to it in the future.

All of the fun things that come with buying a home are enough to get you emotionally invested in your property. When you’ve spent days or months looking for a place and personalizing it to your taste, you want to make sure you protect it, which is why you’re probably wondering how can I get homeowner’s insurance. 

Finding homeowner’s insurance isn’t that hard. All you have to do is follow a brief list of steps: 

  1. Compile a list of suitable options 
  2. Compare the costs of different insurers
  3. Investigate the health of each insurance company 
  4. Check policyholder satisfaction and retention rate
  5. Talk to a real person to ask questions and get clarification

If you follow these steps, you’ll find the right homeowner’s insurance in no time. However, before you dive into this process, you should ask yourself what your homeowner’s insurance will cover. 

Will it provide everything you need to protect your new home? Or are there different types of homeowner’s insurance that you should consider? Knowing the answers to these questions will give you the insight you need to confidently start your hunt for homeowner’s insurance.

You don’t want to go into this process uninformed. And with the right amount of knowledge, you’ll discover the best policy possible.  

What is homeowner’s insurance?

how can I get homeowner's insurance?

If you’ve already started wondering how can I get homeowner’s insurance, then you likely know what this type of insurance is—however, it’s essential to get a refresher just in case. 

Homeowner’s insurance protects your home and possessions by giving you financial relief in the instance that something gets stolen or damaged. While it’s not required by law, you may need to purchase homeowner’s insurance if you have a mortgage. After all, your lender wants to protect its investment the same way that a landlord does

With homeowner’s insurance, you and your lender can count on help in three specific areas: 

  • Repairs to your home or your yard
  • Repairs to other structures dealing with your home 
  • Replacement of personal belongings 
  • Personal liability coverage if you’re legally responsible for damage or injury to someone else

Given its range of benefits, homeowner’s insurance isn’t just important. It’s necessary. And if you’re taking steps to get it, you’re on the right path. 

What does homeowner’s insurance cover?

Protecting your new home is critical, and insurance companies that offer good policies want to ensure they achieve that goal. As a result, standard homeowner’s insurance typically covers the following. 

1. Dwelling 

This type of coverage repairs damage to your home and any attached structures, like your back porch, where you grill and hang out. Usually, if someone or something damages your home, this coverage will ensure you get enough money for the rebuilding costs.

2. Structures

For this coverage, you’ll get to protect stand-alone structures on your property. For example, think of a shed or fence. If one or both of these gets damaged, you don’t have to worry about it. This coverage typically makes up 10% of your homeowner’s insurance. 

3. Personal property 

This coverage usually encompasses 50% to 70% of your homeowner’s insurance. It covers any repairs or replacements that were stolen or damaged. 

4. Temporary living expenses

If your home is getting repaired, you may have to leave for a certain amount of time. Whenever this situation happens, this type of coverage will help pay any temporary living expenses. Usually, this coverage makes up 20% of your homeowner’s insurance. 

5. Personal liability  

Unfortunately, there’s always a chance that you might accidentally injure someone or damage your property unintentionally. Luckily, personal liability coverage will help you. It typically covers $100,000 – $500,000 in damages. 

6. Medical payments 

If someone gets injured on your property, this coverage will help pay their medical payments regardless of who’s at fault for the injury. What’s even better is that it also covers a situation where you, a relative, or a pet hurts someone while off your property. 

What are the different types of homeowner’s insurance?

While standard policies tend to include the same types of coverage, you will have to choose between different types of homeowner’s insurance. 

These different types are called “policy forms,” and some offer more expansive coverage than others. What’s also interesting to know is that policy forms can differ across states and insurance companies. But three of them are pretty common. 

1. HO-3 Insurance 

This type of homeowner’s insurance is the most popular. In 2017, nearly 80% of owner-occupied homes had HO-3 insurance. If you have a mortgage, more often than not, your lender will request this level of coverage at the bare minimum. 

It generally covers damages to your home, except for any events that the policy specifically excludes. For example, some of those excluded events might be an earthquake or a flood. But the list of things that HO-3 insurance won’t cover when your house gets damaged is relatively short. So, you should be happy with this particular aspect of the policy. 

However, if you buy HO-3 insurance, you may want to get additional coverage for your personal belongings. This policy will only cover damage from 16 different perils, including smoke, volcanic eruption, fire, lightning, riots, explosions, vandalism, theft, and more. 

2. HO-5 Insurance 

If you’re looking for more extensive coverage, then HO-5 insurance might be right for you. It’s the most comprehensive and premier homeowner’s insurance that you can get—it’ll cover all damages, except for the ones that the policy prohibits.  

However, typically, you can only buy HO-5 insurance if you have a well-maintained home in a low-risk area. In 2017, about 14% of homeowner’s had this coverage, so it’s not as popular as HO-3 insurance. But again, it’s the most extensive coverage you can buy. 

3. HO-1 and HO-2 Insurance 

These insurances are probably the least popular since they offer very limited coverage. They only cover damages that are listed in the policy—and that list is pretty short. 

HO-1 and HO-2 insurance provide the bare bones of what you need, which is probably why only 7% of homeowner’s had this type of insurance in 2017. It also doesn’t help that HO-1 and HO-2 insurance policies are hard to come by, as neither one is widely available.  

Who provides homeowner’s insurance? 

how can I get homeowner's insurance today?

Now that you know what homeowner’s insurance covers and the types of policies to consider, you can start your hunt for the best homeowner’s insurance. Again, it won’t take long to find the right policy and insurance company for you, especially if you follow the steps outlined above. 

But if you need a little help, here’s a head start. Barry Risk Management, Inc. offers homeowner’s insurance to give you everything you need to protect your new home. 

Barry Risk Management specializes in helping people like you find and purchase the proper coverage for all of your everyday essentials. With the guidance and expertise of Barry Risk Management, you can trust Barry Risk Management, Inc. to find the best homeowner’s insurance for you. 

What’s even better is that you can also speak to an agent to ask questions and clarify the insurance coverage options you have. Remember step five at the beginning of this article. You want to talk to someone at the insurance companies you’re considering, and Barry Risk Management, Inc. makes this easy. 

The representative you speak to will be knowledgeable, helpful, and committed to getting you the best homeowner’s insurance possible. So, don’t wait. Contact a representative with Barry Risk Management, Inc. now to get the homeowner’s insurance you need. 

Get the coverage you need to protect your home by contacting an agent with Barry Risk Management, Inc. today!

Did You Know?

The Barry Risk Management, Inc. Team is continuously updated on new DMV regulations, requirements, & forms to ensure we are providing you with the most current information.

Nathan
Nathan
Read More
Having Barry Risk Management is like having a bunch of great employees without the expense. Great team over there.
Kal
Kal
Read More
These guys are fantastic at what they do. We use them for all of our auto and insurance issues. I haven't had to step foot in the DMV for years.
Megan
Megan
Read More
Everyone at Barry Risk is an expert in driver services. They can handle just about anything my team throws at them.
Raymond
Raymond
Read More
We've depended on Barry Risk's dealer services for years. Their speed and knowledge has made us look great to our customers and helped us grow our business.
Previous
Next
Safe & Secure Transactions
FULLY INSURED & CYBERSECURED

Got a question?

Most issues can be answered by visiting the FAQ SECTION Otherwise, please use the contact form or call us.

Mon – Fri 9am – 5pm

We do not deal with driver’s licenses or photo identifications.

[elementor-templa

NOTICE: THIS TRANSACTION OR SERVICE IS ALSO AVAILABLE, AT NO ADDITIONAL CHARGE, DIRECTLY FROM THE OFFICIAL DEPARTMENT OF MOTOR VEHICLES WEBSITE AT WWW.DMV.NY.GOV

NOTICE: THIS TRANSACTION OR SERVICE IS ALSO AVAILABLE, AT NO ADDITIONAL CHARGE, DIRECTLY FROM THE OFFICIAL DEPARTMENT OF MOTOR VEHICLES WEBSITE AT WWW.DMV.NY.GOV

24/7 HOTLINE

Text or Call
516-351-8870

Barry Risk Management, Inc. 2021 © All Rights Reserved. Privacy Policy.

We are not an official NYS DMV office. We are a licensed private service bureau. DMV services offered are available free of charge at any NYS DMV.

SITE BY ALCHEMY

te id="2968"]

Disclaimer

 

PLEASE REVIEW THIS PRIVACY POLICY STATEMENT BEFORE USING THIS SITE. IF YOU DO NOT AGREE WITH OUR PRIVACY POLICY STATEMENT, DO NOT USE THE SITE. BY SUBMITTING ANY PERSONAL INFORMATION TO THE SITE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS PRIVACY POLICY STATEMENT.

Your use of this site is also subject to the Terms of Use. Please review those Terms of Use for additional details regarding your use of this site.

GENERAL INFORMATION

IP Addresses and Cookies

Generally speaking, you may visit the site while remaining anonymous.

Our websites automatically log your IP address and domain name, and non-personal information such as the type of web browser you use, to help us administer the sites and to compile statistics such as the number of visitors.

Our websites use cookies to identify you over multiple visits to the site, for example to remember your country and provide country-specific content. Cookies are optional, and you can block or delete them. However, some parts of our websites (e.g. chat pages, Online Store) will not work without cookies. Cookies may also be used to track visitor behavior on the website, which allows visitors to be retargeted with digital advertising that reflects their past behavior on the site.

The Types of Cookies Avid Uses

Session cookies: These cookies are temporary and expire once you leave the site. Session cookies are mainly used by online stores to hold your items in the basket while you are shopping online.

Persistent cookies: Persistent cookies may stay on your disk for a long time after the session is ended. These cookies may hold data such as login details, contact information and account numbers, so that you don’t have to type them in every time you use the site. When using the Avid Online Store, persistent cookies may use data to hold items in your shopping cart or send you reminders about items you have left in your shopping cart but have not yet purchased.

Avid also permits third-party advertising partners to use cookies and other technology to collect information about your browsing activities over time and across different websites when you use our site. Through a process called “retargeting,” each service places a cookie on your browser when you visit our site so that they can identify you and serve you ads on other sites around the web based on your browsing activity.

For information on how to disable cookies on your computer, visit the Managing cookies page.

Submission of Personal Information

Certain portions of the site may require that you submit some personal information, such as your name and email address, before using those portions of the site. At minimum, you are typically required to register with the site and provide your name or email address before using any of the members only areas of the site. For some services, such as forums, Avid Link, customer support features, registering for events or contests, downloading software or uploading content, you may have to create an account, and submit additional personal information such as your mailing address.

Use of Personal Information

Avid uses information it collects to provide the services and information you select, to better understand its customers, to provide better products and services, and to assist with site administration, such as with troubleshooting any problems, detecting fraud, resolving disputes, and for any purposes deemed necessary or required by Avid to enforce the Terms of Use and other terms or conditions applicable to any portion of the site.

We also use this information to send you information about Avid, or other topics Avid thinks may be of interest to you, such as product information or updates. As part of its business, Avid works with authorized partners, such as authorized resellers, to provide you with the services and information. As part of those activities, Avid may share your information with those authorized entities so that they can directly provide the information or services to you.

The processing of your data is either based on your consent or in case the processing is necessary for the performance of a contract to which you are a party, or in order to take steps at your request prior to entering into a contract.

If the processing is based on your consent, you may at any time withdraw your consent by contacting us at privacy@avid.com or the address listed below. This email address is for privacy related inquiries only. All other requests, such as for product support, will not be replied to. For product support and troubleshooting, please contact Avid Customer Care by clicking here.

In order to enter into a contract regarding the purchase of Avid’s products or services, you must provide us with the required personal data. If you do not to provide us with all the required information, it will not be possible to deliver the product or service.

Avid keeps the information you provide for as long as you remain an active user of the site and recipient of our information.

Aggregation and Use of Anonymous Data

Avid aggregates information provided by you to create anonymous statistical and demographic data. This anonymous data helps Avid to understand and know its customer base better. That anonymous data may be provided to third parties but never in such a fashion as to identify you personally.  Some Avid products and websites use Google Analytics for the collection of anonymous data. Learn more about how Google uses data collected using Google Analytics.

The Google Analytics features that Avid employs are as follows:

  • General Features related to browsing behavior such as: browser type/version and language, operating system type/version, device type/version, domains, page views, referring/exit pages, location data such as country, information about how you interact with our Site’s webpages and with third-party links, traffic and usage trends.
  • Demographics and Interest Reports: Age, Gender, Interest Data.
  • Advertising and Remarketing: This includes data from Google’s signed-in users who have chosen to enable Google to associate their web and app browsing history with their Google account, and to use such information from their Google account to personalize ads.
  • User ID Tracking: To combine sessions across multiple devices and interactions for logged-in users.
  • Site Search Tracking: What a user typed into the sites search feature.
  • eCommerce Tracking: Information related to product purchased, price, date and time of purchase, order #, etc.
  • Enhanced eCommerce Tracking: Information related to products viewed, products added/removed to cart, onsite promotions clicked, currency, refunds, etc.

You can opt out of Google Analytics by using this tool:
https://tools.google.com/dlpage/gaoptout/