Category: Home Insurance

A traditional home insurance policy generally includes some basic coverage that all home policies have. You determine the amount of coverage for different aspects of your home. You can choose the type of content coverage you have and the liability coverage your policy provides. At Rowledge & Falvo Insurance Agency in Scotia, NY, we personalize your policy to meet your needs and ensure you understand which carriers provide the coverage you need.

Guarantee Replacement Cost

Though one of the more expensive endorsements, this is also one of the most valuable. Given the unpredictability of building costs, your basic home coverage may not suffice to replace or repair your home to its pre-peril condition and quality. This coverage guarantees that you will have your home completely replaced.

Identity Theft Coverage

Having your identity stolen is a nightmare. While this coverage won’t restore any cash stolen from your bank account, it can assist with fraud protection and help restore your name and credit. Additional options can be added to this coverage; consult your agent about what is available from your carrier.

Scheduled Personal Property Coverage

Some categories of personal property have limits under a traditional home policy. This includes items like electronics, jewelry, and art. The limits are relatively low and might leave you with insufficient coverage. With this endorsement, you can increase a category to the level you require. If you need more coverage for more than one specific item, such as several fine pieces of jewelry, you will need to increase this coverage.

In Scotia, NY, Rowledge & Falvo Insurance Agency provides all the necessary insurance information and assistance. Contact our office today to discuss your home insurance requirements.

When buying a house, figuring out the home insurance rates beforehand is smart. Knowing these things in advance will help you to control long-term expenses down the road. It may even allow you to avoid buying something that could make you unhappy due to sky-high costs. Rowledge & Falvo Insurance Agency serving Scotia, NY, knows it might seem a bit tricky at first, but here’s a straightforward way to go about it.

Step by Step

Start by going online. There are plenty of websites where you can enter some basic info about the house you’re interested in, like its location and size, and they’ll estimate the insurance costs. Keep in mind, though, that these are just estimates, and the real rates can be different.

Next up, reach out to an insurance agent such as Rowledge & Falvo Insurance Agency serving Scotia, NY. Talking to a professional can give you a clearer picture. They can look into the specifics of the house and offer you a more accurate quote based on the house’s condition, features, and any safety devices installed.

It’s also a good idea to check rates from different companies. Insurance costs vary greatly from provider to provider, so getting a few quotes can help you find the best deal.

Lastly, consider the house’s location and how it affects insurance rates. Areas prone to natural disasters like floods or earthquakes might have higher insurance costs. Knowing this can help you budget better for your new home.

So, while checking home insurance rates before buying might seem daunting, it’s doable with some research and help from professionals like Rowledge & Falvo Insurance Agency serving Scotia, NY. Contact us today to get started!

There are so many responsibilities that come along with home ownership, and protecting your home from intruders is definitely top of the priority list. Here at Rowledge & Falvo Insurance Agency, serving Scotia, NY and the surrounding areas, we want to help homeowners make smart choices.

Here are the top 3 ways to stop home intruders:

Home Security Systems 

Home security systems have proven an effective way to stop intruders. In a lot of cases, just having signs posted on your property advertising that the home is protected by a certain security company is enough to discourage intruders from even considering your home. 

Home security systems are advanced enough today to have you connected with first responders and law enforcement in real time when the system is triggered. This is a proven way to stop intruders and to get emergency help during other types of emergencies as well. 

Updated Windows, Doors, and Locks

Another important step you can take to discourage intruders is to make sure your windows, doors, and locks are updated. Older doors, windows, and locks are easy to access, and intruders know this. Modern home updates of this type will have enhanced security, are stronger, and are more difficult to access. 

Good Security Practices 

The other important way to protect your home is by practicing good security behaviors at home. This includes locking up at night and when you leave the house. It can also include keeping your property well-lit. You also need to be selective about who has access to keys, lock codes, and other means of accessing your home. 

Consult With Us

If you would like to learn about home insurance, please contact us at Rowledge & Falvo Insurance Agency serving Scotia, NY and the surrounding areas. We will be happy to help you.