Homeowners Insurance

Homeowners insurance protects your home, your belongings, and your family, scaled to meet the needs of the property. Plus, we’re happy to tack on additional coverage for collectibles and precious valuables.

Coverage Overview

Personal Property

Personal belongings are the items in your home, including furniture, electronics, and apparel. Personal property insurance is common in cases where you own a home or rent an apartment. This type of coverage helps cover the costs of repairing or replacing your possessions following a covered loss, such as theft or fire.


Dwelling coverage is only a small piece of your home insurance policy. It covers the physical structure of your house-- not valuables inside nor the land it's built on. Fixtures that are bolted in and appliances that come with the property are also part of dwelling coverage. You're able to pick an amount for dwelling coverage that would completely rebuild your home if needed, at today's prices.

Personal Liability

Personal liability insurance protects you and your family against financial loss. The personal liability coverage in your homeowner’s policy covers claims for bodily injury and property damage that you or covered residents of your household are legally accountable for.

Medical Payments

Medical payments coverage pays for the medical bills of people who are accidentally injured on your property, as its name suggests. It protects against small injuries and may prevent an individual from suing you for compensation, regardless of whose fault the accident was.

Loss of Use (Temporary Housing)

Insurance for temporary housing helps cover the cost of additional living expenses that may arise. Temporary living expense coverage can include things like:

* Short-term accommodation, like a hotel or apartment

* Increased food expenses, like restaurant meals while you're in a hotel

* Storage fees for your belongings while you're out of your home

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Insure Local

As a local insurance agency on Long Island we understand the unique challenges and risks that our clients face. 

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Get a Free Quote

Reach out to our local team at The Budde Agency for a new quote if you’ve found your dream home. We’re also happy to offer new coverage for existing homeowners who want to save money.

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