Get the Right Homeowners Insurance NYC from Smart Apple's Brokers
We simplify the process of comparing homeowners insurance in NYC. You will get the most comprehensive home insurance policy! Let us help you find a suitable insurer in New York. Call us (718) 523-5353 or send an email to info@smartapple.us.
NYC's Most Reliable Brokerage Firm!
As local experts, we understand NYC specific risk and insurance needs! Offering you the coverage required for harsh weather, theft, liability claims and a lot more.
Customized Coverage
Save more, with customized coverage plans. We tie up with major home insurance companies that offer customized solutions rather than standard policies.
Leading Brokerage Firm
With over 13 years of experience, Smart Apple offers expertise in all types of property insurance, including townhouses, brownstone houses, vacant properties, and condos.
Innovative Discounts
Offering modern ways to lower your insurance premiums. We find discounts on usage-based, smart homes, and no-claim.
Save Time & Money with Smart Apple Home Insurance!
We specialize in providing exceptional insurance quotes. Whether you are insuring a house, condo, or rental property. Skip the hassle of shopping around 10 different insurers, we compare, negotiate, and tailor the right insurance plan for you.
What will you get?
- We represent you, not the insurance company! Our quote will be unbiased insurance for personal property.
- Streamline your search and get a faster quote.
- Help you update your homeowners policy or landlord policy as your life changes, review your coverage at renewal, and answer any questions.
- Peace of mind, of course!
- Finding the best value for your money.
Personalized Homeowner Insurance Designed Just For You!
Looking for general liability insurance near Bushwick or home insurance in Buffalo? Smart Apple got your back! In standard insurance policies, you will get:
- Personal Property Coverage
- Dwelling Coverage
- Personal Liability Protection
Though these coverages are essential, you may have more valuables to protect. For instance, having a high value art piece requires add-ons.
Further, we ensure you pay only for what is necessary, lowering your premium. Cheapest homeowner insurance doesn’t mean any compromise on protection! So request a home insurance quote now and get fully protected at the most affordable rates.
Our 3-Step Process to Get House Insurance
Smart Apple will help you understand your policy requirement, answer your questions and help you renew the policy.
- Your Needs, Our Expertise: We begin with a simple conversation to evaluate your specific needs, property type, and any unique concerns you have.
- The Broker’s Search: Using our extensive network, we compare quotes from top insurers and identify a curated selection of policies that offer the best coverage at the most competitive rates.
- Policy Activation & Ongoing Support: We review your options with you and handle all the paperwork. Once your policy is active, we remain your dedicated advisor, here to help with policy reviews and claims advocacy.
Our Recommended House Insurance Coverage and Deductibles
A standard homeowner’s insurance policy isn’t enough to fully protect you from disasters. For some disasters, you will require specified policies.
Additional Policies:
We recommend getting:
- Flood Insurance: As NYC is prone to floods that can cause unexpected financial disasters. Having an NFIP (National Flood Insurance Policy) or a reliable flood insurance policy is a must!
- Personal Property Replacement: The policy is specifically designed to replace personal property when damaged or lost due to a covered peril like fire or theft.
Deductibles:
Mainly deductible is the amount you pay before your policy kicks in. Homeowner insurance NYC policies work on two types of deductibles. Understanding both will help you determine which policy suits you better.
- Percentage Based: The amount of the deductible will be based on financial loss.
- Flat-Rates: You will pay a certain amount before the insurance policy kicks in.
Want extra liability protection? Ask us about an umbrella insurance policy and how it can cover you where standard policies stop.
Common Questions
You should get enough dwelling coverage to cover the cost of rebuilding your home from the ground up. This is also known as the replacement cost. This figure is not the same as your home’s market value, which includes the value of the land. Follow these steps to estimate your replacement cost:
- Multiply your home’s square footage by the average local rebuilding cost per square foot.
- Ask an insurance agent to perform a replacement cost estimate.
- You can consult with a local builder or contractor.
- Most mortgage lenders require at least 80% of the home replacement cost.
Standard homeowners insurance policy does not cover every type of damage. It won’t cover
- Floods and earthquakes
- Wear and tear or neglect.
- Pest infestations
- Intentional acts
- War or nuclear hazards
Coverage C is mainly personal property coverage. It protects your belongings such as clothing, furniture, electronics and appliances. If your personal stuff gets damaged due to covered events, the policy will pay the cost of replacement or actual cash value.
Cost can be higher or lower depending on your area, previous claim history and other factors.
There are eight standard types of homeowners insurance policies, known as “HO” forms. The most common types are:
- HO-3 (Special Form): The most popular policy type. It provides “open-peril” coverage for your dwelling. That means it will cover all types of damage unless explicitly excluded. Your personal property is covered on a “named-peril” basis.
- HO-5 (Comprehensive Form): This policy provides the highest level of protection. Dwelling and personal property are both covered on an “open-peril” basis.
- HO-6 (Unit-owners Form): This policy is specifically for condo and co-op owners. It covers the interior of the home and personal property.
You can lower your homeowners insurance premium by increasing your deductibles. It will lower your yearly premium cost. Also you can benefit from bundling policies with the same company. The insurer often offers discounts for bundled policies.
Our Blog
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