Homeowners Insurance

Insurance for Your Home through Tri-State Insurance Agency

One of the most intrinsic protections that one can purchase is homeowners insurance, which offers a wide range of coverage that extends to your home, its contents, and your financial assets as well. Because this insurance comes in all shapes and sizes, a policy must be tailored to fit the individual’s circumstances. We take into careful consideration all the pertinent aspects of the structure itself, yet also examine your lifestyle, your tolerance for risk, your wealth, even your family structure. What emerges is a clear picture of the policy that is best for you, offering the most comprehensive protection at a competitive price.

From tiny townhouses to luxurious estates, all need protection.

Tri-State Insurance Agency provides insurance for homeowners and their families, whether you are just getting established in your very first starter home in Passaic County or you own a 30-room mansion in Somerset County. We understand that determining the right coverage involves far more than notes about your home’s square footage and appraised value. We ensure you receive the kind of in-depth review you deserve in order to gain an in-depth understanding of your property, taking into account factors such as the presence of a swimming pool, spa, tennis court, or trampoline; a guesthouse or other additional buildings; animals, especially certain types of dogs. Do you travel quite a bit, operate a home-based business, or have live-in or daytime domestic staff? Each of these factors has an associated risk that will affect how we build the right plan for you.

We can also obtain additional or enhanced coverage for you if you have items of high value, such as fine art, antiques or other collectibles, or expensive jewelry, because coverage for these items may not be sufficient under the standard homeowners policy. And because more and more clients want to ensure that any future construction they might do is environmentally responsible, there’s even a policy that enables you to rebuild using “green” technology in the event of a covered loss.

Liability is a major component of homeowners insurance, and the policy works hard to protect you from the expense of court costs and legal fees if you are deemed liable for causing injury to a person or damaging his or her property. Likewise, the liability portion of the policy is there to cover you should someone become injured on your property, or someone in your family—say your teenage son who should know better—causes damage to another’s property.

Building the right policy takes time and attention.

Our professional staff will work with you to make sure that the policy protecting you and your home addresses the concerns that matter most to you. At the same time, we will be happy to share money-saving strategies (such as obtaining discounts via multiple policies), and information on how you can reduce the amount of risk you face.

Throughout Pennsylvania, northern New Jersey, New York and surrounding environs, let Tri-State Insurance Agency serve as the go-to professional for your comprehensive personal insurance needs. For a free consultation and quote, we invite you to call us toll-free at 888.990.0526, email us or complete the form on this page