The protection you expect, for when the least-expected happens.
Home is where the heart is. It's also likely to be one of your biggest investments. Our homeowner's policy is a package policy that includes coverages for a home, its contents, and the occupant's liability. We go above and beyond today to make sure what’s important to you is protected tomorrow.
See how much you could save.
Additionally, customers may be able to receive DISCOUNTS on homeowner's coverage in the following ways:
- New home buyer discount
- Loss-free discount
- New build credit
- Renovated home credit
- Multi-policy discount
- Protective device discount
New York State Homeowners Insurance FAQs
I am moving and I have my personal property in storage - is it covered?
In order for the personal property to have coverage you would need to keep the home policy inforce. Make sure you contact us right away so we can review your coverage with you.
I have homeowners insurance; if there is a flood does my policy cover it?
No. Because of the catastrophic loss potential of floods, the cost to insure against flooding would significantly raise property insurance rates. Therefore, both homeowners and dwelling policies exclude losses caused by flooding. However, Five Star Affinity Insurance Agencies can provide flood policies separately.
I received a letter from my mortgage company stating they have not received a copy of my homeowners' policy. What does this mean?
Contact us directly at 866-915-8210 and we can take care of these requests. Also, make sure to review your annual renewal notifications to be sure all mortgage holder information is correct to allow notices to be sent automatically.
Why do home insurance coverage limits and premiums change from year to year?
Limits and coverages include adjustments for inflation, cost in building materials, and a variety of other factors. Please contact us to discuss any changes you experience in your policies. We'd be happy to review with you.
Insurance and investment products and services are not FDIC Insured, are not a deposit or bank guaranteed, are not insured by any Federal governmental agency, and are subject to investment risks, including possible loss of the principal invested. Insurance products and services may be provided by SDN Insurance Agency, LLC, an affiliate of Five Star Bank.