6.    Know Your Deductibles

With the acknowledgement that there is a potential for a disaster caused by hurricanes, many home insurance companies now impose hurricane deductibles.  These deductibles are separate from the standard all risk policy deductibles.  This may be the most misunderstood factor of home insurance policies as the deductible is expressed in the form of a percentage. Simply stated the percentage is of the “Home Insurance Coverage A” or the Home Insurance Dwelling Coverage. In other words, if you have a dwelling coverage of $500,000 and a 5% hurricane deductible then you have a $25,000 deductible in the event of a hurricane. To create more confusion, many home insurance companies may impose a wind and hail deductible. This deductible not only applies to hurricanes or tornados but ANY loss that is a result of damage caused by wind or hail.

Home Insurance goes by several names, they may be:

Home Insurance, House Insurance, Home Owners Insurance, Homeowners Insurance, Hazard Insurance, Fire Insurance

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As many people have already found out, Castle Rock Insurance Agency is the best stop for a quote on Home Insurance.  We are the low cost solution for your Homeowner Insurance Policy.
Castle Rock Agency currently offers Home Insurance Policy Coverage in New York, NY, New Jersey, NJ and Pennsylvania, PA.

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