Home Insurance

Have you thought about how you protect your home? If something happens in New Jersey, New York, or Florida, you want to know that you’re covered. That’s why finding home insurance that you can count on is so important. Our agents at MSM Insurance Agency Inc. in Kearny, NJ can work with you to build a custom policy.

What’s included in coverage?

Every home insurance policy has some of the same types of coverage. This way, you can be sure that you’re getting the necessary protection for your home.

• Dwelling: This covers the actual home
• Belongings: Any personal belongings housed within the home would be covered
• Liability: When accidents happen on the property, they would be incorporated into the policy
• Loss of use: If your residence cannot be used for a certain amount of time due to damage, hotel stays would be covered

As you work to get home insurance, your goal is to make sure you have the coverage where you need it. If you have other items on your property besides the home itself, coverage can be added. If you do a lot of entertaining, you might need added liability coverage.

Customizing Your Policy

When you get home insurance, it’s essential to understand that you have options. The cost of your home is a consideration when building a policy. Additionally, you have to look at the value of what’s inside your home—jewelry, art, and other items that could require a high-value rider.

Our agents will answer questions you have and help you to customize a policy to balance liability and property coverage along with the cost of the premium. With more coverage, it can protect you against more of those dreaded “what if” scenarios that could occur.

Start shopping for home insurance today by calling us at MSM Insurance Agency Inc. in Kearny, NJ. Our agents will answer your questions and help you get started with a quote.