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Windgate Insurance Agency Inc. serves the New Windsor, NY community by offering residents multiple insurance coverage types. We strive to make things easier for our clients. For over 25 years, we have been committed to providing customer service that exceeds expectations.

Home Insurance Myths To Avoid

Your home is one of your most prized possessions. However, one accident can cause major damage. That’s why home insurance is an asset. Home insurance covers you if your property is damaged or vandalized. Your personal items inside of your home are also covered if they are stolen. Liability coverage protects you if someone gets injured while visiting your home. As you are researching different policies, avoid some of these common home insurance myths.

Any Flood Damage Is Covered

This is incorrect. During severe weather in New Windsor, NY, there is a possibility that flooding will occur. If your home is damaged due to a flood, you will not be automatically protected under your home insurance policy. You’ll have to look into adding special flood coverage.

Your Luxury Items Are Covered

This is also incorrect. If you have special luxury items such as antiques, you’ll have to amend your policy to ensure that you are covered if the items are damaged or stolen.

I’ll Be Covered If I Start A Work From Home Business.

If you want to start a work from home business, you are not fully covered under your home insurance policy. Working from home exposes you to a unique set of risks. That’s why you’ll need to look into a commercial policy to cover your business fully.