Home Insurance in Suffolk County, NY 

Having the right insurance coverage to protect your home and its belongings is important to help prevent any unpredicted financial loss. Home insurance is a great way to protect your home and provide you with peace of mind. Protect your beautiful Suffolk County home by contacting your agent at E. A. Funk And Associates Inc. to get started with your coverage.  

What Does Home Insurance Cover?  
Home insurance covers the following:  

Property 

• Dwelling covers your home’s structure when damaged or destroyed by disasters such as fire, hail and lightning. It will not protect against a flood, earthquake or routine wear and tear. 

• Personal property covers your belongings that are stolen or destroyed by disasters. There is a capped limit of coverage; talk with your agent if you have highly valuable collectibles to find out if you need additional coverage. 

• Additional living expenses (ALE) can help cover additional costs of living away from your home, if necessary, due to damage from a disaster.

Liability 
Liability protection provides coverage against injury and property damage that you or members of your household, including pets, cause to others. 

Is Home Insurance Required?  
Home insurance is not legally required, but if you are taking out a loan for your mortgage, your lender will require you to have it. Your home is one of your largest investments. Regardless of whether or not you are working with a lender, it’s important to guard yourself against financial risk by obtaining coverage.

What Home Insurance Do I Need?  
There are a variety of home insurance options available for you to purchase. The policy that is right for you will be unique to your needs. For assistance determining which policies you need for your home, contact an agent today to get started with coverage.  

How Much Is Homeowners Insurance in Suffolk? 
The cost of homeowners insurance in Suffolk may vary depending on your individual policy and premium factors. Although there is no set rate for homeowners insurance, you can discuss the following factors with an agent to determine a quote:  

• The year your home was built  

• The roof condition of your home 

• Special features, such as hot tubs or pools 

• Additional structures on the property, such as a shed 

There may be other factors that influence your premium. Contact your agent today to discuss your homeowners insurance rates.    

Contact Us Today 
At E. A. Funk And Associates Inc. we want to help you protect your home and its belongings. Contact your agent today to speak about home insurance coverage.