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.  

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.