Albany, NY Area Insurance - Bryant Asset Protection

Homeowners Insurance

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For most people, a home is their most valuable asset. It is therefore critically important that you have the proper policy and coverage amounts in place to fully protect that home, its contents and yourself, in case someone suffers an accident on your property. Almost anyone who owns or leases property has a need for this type of insurance. Often, homeowners insurance is required by lenders as part of the requirements in obtaining a mortgage.

Bryant Asset Protection will help you understand the various homeowner types as well as riders (additional forms of protection) that can be added to your policy to include valuable protections not typically covered under a standard homeowners policy.

Homeowners Policy Basics

Generally speaking, a standard homeowners policy provides the homeowner (or lessee) with protection against certain risks or forms of damage to:

The house itself;
The contents of the house, and;
Costs arising from a lawsuit if someone is injured on the premises.

The covered amounts and the number of risks insured will depend on the type of policy you have and what options you have elected to include in the policy.

Policy Types

There are three basic forms of homeowners policies available. They differ primarily in the number and types of perils against which they protect the homeowner. They include the following:

Basic form - this is a barebones policy that only protects against vandalism, fire and lightning, windstorm or hail, burglary and robbery, glass breakage and smoke damage;
Broad form - this forms extends the coverages found in the basic form to include water damage from plumbing and home appliances, falling objects, weight of snow and ice, frozen plumbing, building collapse, family vehicle damage, sudden heating system loss and electrical damage to appliances, and;
All Risk form - this form includes all conditions insured by the first two forms and includes all other perils except for damages from earthquakes, floods, landslides or acts of war. This form is most recommended and represents the most popular form of homeowners insurance.

Policies are also available for mobile homes, condominiums and older homes not otherwise insurable under the foregoing policy types. Bryant Asset Protection would also be happy to advise clients on the best forms of insurance for these types of dwellings.

Coverage Levels

Homeowners can select from three levels of coverage. These differ from one another in how fully they will replace a damaged home or lost or damaged possessions within that home. They include:

Actual Cash Value - this level pays the replacement cost of your home or possession minus the cost of depreciation. Most often, payments made for damages under this level are less than the homeowner paid for the damaged or lost item;
Replacement Cost - this level of coverage pays whatever it costs to repair or replace your home or possessions without a deduction for depreciation (up to the prescribed coverage limits);
Extended Dwelling Replacement Cost - This level of coverage pays the costs to rebuild your home or replace possessions from before the damage took place - even if those amounts are up to 25% greater than your coverage limits. The homeowner is therefore fully protected against rising costs of construction, for instance. While replacement cost policies are somewhat more expensive, the protections afforded by them are well worth the cost if a disastrous loss should occur.

Additional Coverage

Many homeowners are surprised to learn that damage from floods and earthquakes are not covered under homeowners policies. Additional coverage is available for flood damage through the Federal Government program, National Flood Insurance Program (NFIP).

Additional protection for earthquake damage can be obtained through your insurance agent as a rider to your policy.

Riders should also be considered for valuables including jewelry, musical instruments, fine arts, furs, antiques and firearms, subject to an appraisal of their value. Insuring such items separately provides true all-risk protection, usually with no deductible.

Choosing an Agent

Bryant Asset Protection recommends that, in all cases, potential homeowners clients have a full discussion with our licensed professional staff to ensure that you are considering the proper types and levels of coverage appropriate to your circumstances.

As an independent agency with contracts with a wide array of A-rated insurers, Bryant Asset will assist you in finding the right company for you as well as shopping among them for the best price. The quote form below is a quick means of getting that process started and protecting your most valuable asset.

Contact information

Your name *

Street address

Address continued

City

State

Zip

Phone #

Preferred contact method

When should we call?

General information

Your birthdate Please enter your date of birth

Benefits Plus

Please quote under the Benefits Plus program. Check if you are a member of a group enrolled in Benefits Plus with Bryant Asset

My group is: The name of your Benefits Plus group

Home information

Year built The year your home was constructed

Construction The primary construction method of your home

Other construction The construction method of your home, if not listed in the previous question

Bathrooms The number of bathrooms in your home

Square feet The total area of your home in square feet

Features FireplaceWood stoveCentral airSwimming pool Please check boxes as applicable to your home

Location of home if different from contact address, above Your home's location

Primary heat source The main method used for heating your home

Other heat source The heat source of your home, if not listed in the previous question

If home is over 20 years old, please indicate years the following were last updated

Electrical Year the home's electrical system was last updated

Plumbing Year the home's plumbing was last updated

Heating Year the home's heating system was last updated

Roof Year the home's roof was last updated

Current policy details

Value The insured value of your home

Contents The value of insured contents for your home

Jewelry The value of insured jewelry for your home

Deductible The deductible for your insurance

Other deductible The deductible for your insurance, if not listed in the previous question

Policy type The policy form type of your insurance, if known

Personal liability The liability limit of your home insurance

Other liability The liability limit of your insurance, if not listed in the previous question

Insurer The insurance company that currently provides coverage on your home

Expiration date The expiration date of your current policy

Other information

Additional insurance you are interested in FloodsJewelry or other valuablesPersonal umbrella liabilityIn-home business Check the boxes for additional coverage you are interested in

Comments and/or questions Please enter any questions or other details that may be useful in quoting your policy here.

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