Are Renters Insurance And Condo Insurance The Same?

While both renters insurance and condo insurance both cover things like your personal belongings like clothes, electronics, and more, as well as provide you with liability protections, condo insurance also insures the interior of your condo. Renters insurance does not cover the interior of your apartment or home, as this is the responsibility of the property owner.

Does Homeowners Insurance Only Insure The Home's Structure?

A homeowners insurance policy will provide protection for both the home as well as the contents of the home. Additionally, as long as they are listed on the policy, many other structures can also be covered, including a detached garage, fencing around the property, sheds, and more.

Are There Perils That Are Not Covered By Homeowners Insurance?

Yes, in most cases events such as earthquakes and floods are not covered by your homeowners insurance. However, if you live in an area where earthquakes are known to happen, or where you can expect a flood on your property, there are separate insurance policies that you can get to cover these events.

Is Renters Insurance Expensive?

This is a common misconception by people who are renting, along with the idea that the landlord should have insurance. Renters insurance is very affordable as it only protects the items that you own and not the building or structure. The landlord will have insurance for the structure, but that insurance doesn't extend to your personal property.

Home & Renters Insurance, Condo, Townhome, & Homeowners Insurance from First Choice Insurance Agency: Serving Queens, Farmingdale, Amityville, Bayside, Massapequa, Babylon, NY, and the Surrounding Areas

Home Insurance

Put your mind at ease.

Homeowner’s policies can provide coverage for the replacement value of your home, other structures on your property, personal property indoors, subsidize temporary housing costs while your home is being repaired, and a host of other liabilities. First Choice Insurance, with three decades of experience in personal and commercial lines, wants you to know that we care about you and will personally review your insurance needs to make sure you have the right coverage.

Protect your investment.

At First Choice Insurance, we understand the hard work and determination it takes for you and your family to turn your house into a home, and as likely the most important financial investment of your whole life, you’ll need adequate coverage to protect your investment. Your family deserves the peace of mind they’ll have knowing that they’re safe and protected by a customized insurance policy from First Choice. Misfortunes can happen at any time, but having the right coverage to protect your home and its contents with consistent, affordable insurance products are the way to be ready.

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Homeowners Insurance

We do the comparisons for you.

Because First Choice is an independent insurance agency, we’re not limited to the products and services of a single insurance company. Instead, you’ll benefit from our experience in comparing the various coverage options from the most reputable insurers in the business, and you can count on us to recommend the right solutions that meet your needs. We can help you take advantage of savings opportunities when they’re available.

Relationships are important to us.

Homeowners insurance can cover many kinds of damage, but not all damages and accidents can be covered under a standard policy. We offer many supplemental coverage options which we will review with you. For our waterfront clients, whether you own a high-value waterfront home, a coastal second home, or a typical family home on the water, we have customized programs to fit your needs. The most important thing in assessing insurance requirements is to talk to us about the property you have to insure, and an insurance professional from First Choice can help you decide on your best coverage options. We offer a variety of features and payment options to make your life easier, so don’t go one more day without a homeowner’s insurance policy from First Choice.

Affordable Home Insurance Plans Customized To Your Needs

We are all looking for affordable home insurance no matter where we live in Queens, Farmingdale, Amityville, Bayside, Massapequa, Babylon, NY, and the surrounding areas. What is always recommended is that you work with an independent insurance agency like First Choice Insurance. This is because we can provide you with multiple quotes from different insurance companies for any insurance needs you may have. This provides you with a way to compare pricing. You can also look at your deductible as a way to help make your home insurance more affordable. Talk with us today about your home insurance needs.

Our Homeowners Insurance coverage options include:

Homes
Rentals
Townhomes
Apartments

Condos
Co-ops
Vacant Homes
Homes under construction

Fire
Flood
Waterfront
Umbrella

Jewelry
Artwork
and more

Renters Insurance

While home ownership is a goal of many, for a while renting an apartment or home may be the situation they find themselves in in Queens, Farmingdale, Amityville, Bayside, Massapequa, Babylon, NY, and the surrounding areas.

Renters insurance is an important protection to have and our team at First Choice Insurance can help get the right renter’s insurance policy to fit your needs. Renters insurance protects things like your furniture, electronics, and other things that you own, but it also provides other important protections. Liability coverage helps to deal with the cost associated with someone getting injured at your home, and loss of use coverage provides assistance if your home becomes uninhabitable due to a covered event. These last two items are what most don’t think about and instead focus on the loss or damage to what is owned. Talk with our team today to get the right renters insurance in place.

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Property Insurance FAQ’s

Learn more about homeowners, renters, condo insurance, and more.

Condo And Townhome Insurance

Some people like to concept of home ownership, however, they don’t want the stress of dealing with property maintenance and other tasks. Condos and townhomes are great alternatives for this, but like renting an apartment, it is important that you have the right insurance in place to protect your investment.

Condo and townhome insurance not only protects the items that you own, as a renters insurance policy does, but it also helps to protect the interior of your condo.

While there is still a separate policy for the common areas of the building, plus the structure of the building itself, townhomes and condos provide additional protection for the interior of your space. Because you own the townhome, you are able to paint the walls however you like, hang up whatever you like, and more. And these items, including light fixtures and more, could all be covered by your condo insurance.