622 Loudon Road Suite 204
Latham, NY 12110
For many people, their home is their most significant investment, and many events can cause damage to their residence. Homeowners' insurance is designed to defray the cost of repair and restoration after these unexpected events. At M&K Dignum Insurance Agency Inc in Latham, NY, we can help you determine the right home insurance for your needs and budget.
Anyone who owns a residence for themselves or their family needs homeowner’s insurance. Violent weather patterns, accidents, and other hazards can cause significant expenses for repairs that can impact your financial conditions. If you have a mortgage, you will be required to have homeowners’ insurance to protect your financial institution's interests. But even if your home is paid for, you should be covered by insurance to prevent financial loss for repairs or replacement. The cost of homeowners insurance is well worth it to help defray costs when an unexpected weather event, accident, or legal liability occurs.
Basic peril home insurance covers many hazards such as fire, lightning strike, hail, wind, vandalism, and smoke. Generally, homeowners’ insurance does not cover water damage outside the structure, such as from heavy rains. Other levels of coverage may defray costs from snow or ice damage, freezing of pipes, and other events. Other policies may cover defective construction, pollution, or wear and tear issues. Some policies may cover expensive items, such as jewelry, furs, or artwork. Particular policies cover condominiums, manufactured homes, and older homes.
If you have questions about the proper homeowner's insurance for your needs, we can help with experienced agents who can provide detailed information for you. We offer home, auto, renters, boating, and business policies. Contact M&K Dignum in Latham, NY today for a free, no-obligation quote on insurance to protect your home against unexpected hazards and financial loss.