Homeowners Insurance
✓ Families Helping Families
Homeowners Insurance Made Simple
Protecting your home is one of the most important decisions you’ll make, and our team at Hallahan, McGuinness & Lorys Ltd. is here to help you navigate it. Whether you’re buying your first home or reviewing your current coverage, we’ll walk you through your options so you can feel confident in the protection you choose.
What Homeowners Insurance Covers
Homeowners policies are built to protect two things:
• The structure of your home
• Everything inside it
A standard policy can help cover:
• Fire and smoke damage
• Wind and storm losses
• Theft and vandalism
• Water damage from sudden, accidental events
• Liability if someone gets hurt on your property
• Additional living expenses if you can’t stay in your home after a covered loss
Coverage varies by carrier, which is why talking to an agent matters. We’ll break down what’s included, what isn’t, and where you may want to add extra protection.
Do You Have the Right Amount of Coverage?
Your policy should match the cost to rebuild, not the price you paid for the home. Markets shift, material costs go up, and coverage needs change. If your policy hasn’t been reviewed in a while, now is a good time to look at:
• Replacement cost limits
• Personal property coverage
• Deductible amounts
• Coverage for detached buildings, garages, or sheds
• High value items like jewelry, collectibles, or electronics
A quick conversation can help you avoid being underinsured when it matters most.
Optional Add-Ons Worth Considering
Homeowners policies can be customized depending on your needs. Some popular additions include:
• Flood insurance
• Water backup coverage
• Equipment breakdown
• Extended dwelling coverage
• Home-based business coverage
• Identity theft protection
We’ll walk you through what makes sense for your home and which add-ons offer the best value.
Why Work With a Local Agency
Online quotes can look appealing, but they rarely tell the full story. When you work with a local agency, you get:
• A real person who helps you understand your coverage
• Guidance on what carriers work best in your area
• Support when something goes wrong
• Annual reviews to keep your policy up to date
We take the time to understand your home, your lifestyle, and your budget so we can match you with the right protection.
Ready To Talk About Your Home?
We don’t provide quotes or coverage online. Everything starts with a simple conversation so we can understand what matters most to you and match you with the right carrier and policy.
Have questions? Call us at 914-939-8895 and we’ll help you figure out the right fit.