•  Dwelling coverage: Pays to repair or rebuild your home if it’s damaged by covered events such as fire, wind, hail, or other perils.

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•  Other structures: Covers detached structures on your property (garage, shed, fence) against covered losses.

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•  Personal property: Protects belongings like furniture, electronics, and clothing if they’re stolen or damaged in a covered loss.

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•  Liability protection: Helps with costs if you’re legally responsible for injuries or property damage to others.

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•  Medical payments: Pays limited medical expenses for guests injured on your property, even if you’re not at fault.

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•  Loss of use: Covers temporary living expenses if your home becomes uninhabitable due to a covered loss (hotel or short-term rental).

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•  Additional living expenses: Helps pay for meals, transportation, and other necessary costs while your home is being repaired.

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•  Ordinance or law: Helps with extra costs to rebuild to current building codes after a covered loss.

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•  Wind/hurricane deductibles: Special deductibles that may apply to wind or named-storm damage on Long Island.

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•  Water backup (optional): Covers damage from backed-up sewers or drains (not the same as flood insurance).

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•  Equipment breakdown (optional): Helps cover sudden breakdown of home systems or appliances.

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•  Identity theft (optional): Assistance and some expense coverage if your identity is stolen.

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•  Scheduled personal property (optional): Higher coverage limits for jewelry, watches, furs, collectibles, or fine art.

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•  Replacement cost options: Choose replacement cost coverage (not actual cash value) to avoid depreciation on eligible items.

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•  Umbrella liability (optional): Extra liability protection above your home and auto policy limits.