Home Insurance

You’ve worked hard for all you have—including your home—and can’t risk losing it all. At Shore Line Insurance Agency, Inc., we understand the importance of having comprehensive homeowners insurance at an affordable premium.

A standard homeowners insurance policy will cover damage caused by fire, wind or lightning. In addition, if you face theft due to a break-in or if your home is vandalized, a homeowners policy will cover repair or replacement costs. More precisely, homeowners insurance covers:

• Personal property – Furniture, clothing and electronics are all protected.
• Loss of use – If the damage to your home is so severe that you must temporarily relocate until repairs have been made, your homeowners policy will pay for your temporary living expenses.
• Liability – If you are responsible for causing injury or damage to another person or their property, your home insurance will cover the costs.
• Dwelling – If there is damage done to the plumbing, electrical, or heating/air conditioning systems in your home, repair or replacement costs will be covered.

Note: Homeowners insurance will not cover damage due to flooding. See our flood insurance page for more information.

If you rent a house, apartment or condominium, consider renters insurance in lieu of a homeowners policy; you will be reimbursed for lost or stolen items in the event of theft or fire.

There is nothing more disheartening than learning that your insurance carrier has rejected a claim because your policy doesn’t cover that particular loss. The brokers at Shore Line Insurance Agency, Inc. will perform a free, line-by-line analysis of your current policy to identify any coverage gaps that may exist and make sure you know exactly what is and is not protected. Don’t let unseen exposures put your assets at risk! Contact us today at 631-744-1200 for more information.