Rossi Real Estate Services LLC
Rossi Real Estate Services LLC, Rossi Real Estate Services LLCPhone: (518) 598-7711
Email: [email protected]

How homeowners insurance protects your household

by Rossi Real Estate Services LLC 01/28/2024

House and text about homeowners insurance tips

Getting homeowners insurance can seem daunting. There are many insurance options with different coverages available, and you might be wondering which policy is best for you and your household. 

Don’t worry. The more you understand homeowners insurance, the easier the decision will be.


What is homeowners insurance?

Homeowners insurance provides financial protection to your home in the case of certain perils. This can include damages from hail, winds, lightning and more. 


What does homeowners insurance cover? 

Standard homeowners insurance financially covers up to 16 perils. A few of these perils are lighting strikes, fire, high winds and burglary. 

For example, your home may be damaged by strong winds due to a storm. Your policy would offer coverage after your deductible to repair damages to your home from the storm. 

Having homeowners insurance is essential, but may be a necessity depending on where you live. Some areas are prone to tropical storms. Others have yearly wildfires. Having homeowners insurance secures your home in the chance it’s damaged by these perils. 

Some perils such as flooding are not covered by standard insurance policies. You may need to purchase additional coverage if you live in areas prone to perils typically not covered. 


Additional ways to secure your home assets 

On top of having homeowners insurance, there are many additional ways to financially protect your home from perils:


  • Dedicate a savings account for home emergencies.
  • Install an alarm system to protect from possible home break-ins 
  • Secure and remove any items in your yard that could go flying during a storm.
  • Create and maintain an inventory of major assets inside your home

You work hard for your property. Keeping your assets safe is crucial. By protecting your space with homeowners insurance, taking time to examine your home's needs and investing in home protection products, you help to secure your space before peril can strike. 

About the Author
Author

Rossi Real Estate Services LLC

Rossi Real Estate Services LLC is a boutique real estate brokerage firm that provides close personal attention to buyers and sellers in the Capital Region and surrounding areas. “Typical” is not a word that clients use to describe Rossi Real Estate's approach to home buying and selling.  Building upon years of experience, Rossi Real Estate employs creative marketing approaches, combined with a vast network, to quickly sell homes.  By creating home floor plans, professional photography, and online marketing videos, Rossi Real Estate is able to depict home layouts and professional marketing to potential buyers before stepping foot in your home; this saves the seller valuable time by attracting only those buyers who have greater interest in the home. Additionally, by employing targeted online marketing, Rossi Real Estate targets buyers searching for homes just like yours.  

Joe Rossi, the Principal Broker at Rossi Real Estate, builds upon over 12 years real estate experience in every transaction. Joe zealously advocates for his clients by combining his diverse background in law, finance, complex negotiation, and management, with compassion and exemplary communication skills creates.  He explains transaction details and guides his clients through every step of the buying and selling experience.  Furthermore, Joe listens to his clients’ wants and needs.  In a recent transaction, the buyer profusely thanked Joe, stating he was, “[T]he only one in the transaction that was capable of communicating with the sellers in a way that ensured we were able to close on our dream home”. 

Our real estate practice includes leading professionals, all of which are NYS Licensed Real Estate Sales Associates: Joseph R. Rossi, Ryan Hart, & Dustin Cogswell. Their experience includes work at a fortune 100 company, military operations, and technical recruiting.

If you're looking for a real estate broker who goes above and beyond the industry, who genuinely cares about their clients, and who will drive results, contact Rossi Real Estate Services LLC today.

The Stuff our attorneys make us include...

In accordance with Real Property Law §442-H, Rossi Real Estate Services LLC implemented a Standardized Operating Procedure governing client engagement. As such, prior to any engagement, Broker:

1. Requires a buyer to produce identification if the identity of the buyer is not readily known through a personal relationship with the broker or licensed sales person;

2. Requires an exclusive agency agreement (i.e. exclusive broker agreement) prior to engagement with any buyer;

3. Does not require pre-approval for a mortgage loan; however, a pre-qualification letter for a mortgage loan or, for cash buyers, proof of funds is required.

Although Broker may not require certain information, a seller of real estate may require this information prior to showing the property and/or as part of any purchase offer.