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HOMEOWNERS INSURANCE Guide for 2022 for the new jersey, new York and Pennsylvania market

Insurance Broker in NJ-NY-PA
Adam Huzien - Insurance Broker in NJ-NY-PA

By: Adam Huzien, Founder/Senior insurance Brokerage AMH Insurance Brokerage, Inc.


When Getting Homeowners Insurance Quotes

  • You’ll want to buy homeowners insurance from a stable company with enough money to pay claims. Financial strength is one way to evaluate whether an insurer meets that standard. You can check financial strength through a rating firm such as A.M. Best.

  • We recommend considering home insurers with ratings of A- or higher.

  • Shop around and compare several home insurance quotes. Remember not all homeowners insurance quotes are created equal. Get at least three homeowners insurance quotes before making a decision.

  • Important to compare and look at the coverage amounts and deductibles in your home insurance quotes.

  • Don't forget to ask about the additional endorsement built in to your home insurance policy.

Coverage Breakdown

of every Homeowners Insurance

Coverage A:

Property Coverage

Is the first part of a homeowners insurance coverage. Also it is essential that this coverage is based on the replacement cost valuation method. This coverage part protects the main structure of the home, or dwelling.

Coverage B:

Other Structures

In a homeowners insurance policy pays to repair or replace detached structures, which are located on your property and not connected to your home or the main structure, if they are damaged or destroyed by a covered peril. Commonly the amount is 10% of coverage A.

Coverage C:

Personal Property

The most common perils that damage or destroy personal belongings are vandalism, fires, tornadoes, hurricanes and hail storms.

Or more simply it covers your personal belongings.

Personal property is the stuff you own:

For example: furniture, electronics and clothing,

This type of coverage helps pay to repair or replace your belongings after a covered loss, such as theft or fire, a home insurance policy.

​Coverage D:Loss Of Use

Within a homeowners policy, is essential coverage to review. And many people tend to skim right past it!

This coverage part, protects the insured when his home gets damaged to due to a peril, and for whatever reason the house is not livable until it is repaired. This coverage, covers the insureds temporary living and food expenses in that time frame.


Coverage E:Personal Liability Coverage

his is essential to mitigate the homeowner's risk of claim arising in lawsuit. If a claim is made or a suit is brought against an insured because of bodily injury or property damage arising from covered occurrence.

Coverage F:Medical Payments to others

Helps pay small medical expenses when a guest has sustained minor injuries while on the insureds property.

Did you Know there are multiple deductible(s) built in a home insurance policy?

The main deductibles to review when you are comparing homeowners insurance policies are the following: 1.) All Perils Deductible 2.) Hurricane Deductible 3.) Windstorm/ Hail Deductible

Why its important to work with an Insurance broker: ​

  • Explain your home insurance coverage options

  • Make sure you are not overpaying with your current insurance carrier.

  • Find discounts to save on your home insurance premium

  • Help you understand the home claims process

  • Help protect your family's future with life insurance which can help you pay off your mortgage. It is important to understand this.

Homeowners Insurance

Did you Know?

  • According to the national average that 85% of homeowners have coverage.

  • Customer satisfaction is our #1 priority

  • New Jersey is actually the 14th cheapest state for home insurance policies.

  • The average premium in New Jersey is actually estimated around $600

  • AMH Insurance Brokerage, has approximately a 90 percent chance to lower your insurance rates

  • You probably will save money by not bundling your home and auto insurance, instead check rates separately. Quote your car insurance with a separate insurance company and thank us later.

  • Providing an active alarm certificate can lower your premium

  • If you plan on renovating your home, you will need a builders risk insurance policy, and you must notify your current provider.

These factors can affect your homeowners insurance premium

  1. Credit Score

  2. Zip Code

  3. Insurance Credit

  4. Coverage Limits

  5. Deductible

  6. Your home's square footage

  7. Building costs in your area, and your own home's construction, materials and features

  8. Local crime rates

Hope this helps you better understand your homeowners insurance coverage.

For more information visit our homeowners insurance page & get an insurance quote:

By: Adam Huzien, Founder/ Senior Insurance Broker AMH Insurance Brokerage, Inc.

Adam Huzien- Insurance Broker in NJ , NY, PA
Adam Huzien -Insurance Broker in NJ , NY, PA


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