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Finding the right home insurance policy can be difficult. This is usually the case because many people don’t fully understand what these policies cover. At Consolidated Agency, helping people in the Rochester, NY, area find everything from business insurance to car insurance, they know the topic can be confusing. That’s why they’re more than happy to answer any questions you have regarding this subject.

Home-Insurance-Rochester-NYHome insurance can safeguard your house, possessions, and it can offer protection in liability cases when someone else is injured on your property. Although no two policies are identical, you can tailor your home insurance policy to fit your specific needs.

Some homeowners only opt for “dwelling protection,” which covers the house. Others extend the protection to cover additional structures on the property, like sheds or detached garages. You can also add features to a policy to address certain types of potential damage, like water backing up into your home due to a sewer or plumbing issue. Policies covering the items in your home are customizable as well. In some instances, people even buy policies covering specific classes of items, like sporting goods.

A home insurance policy typically covers damage caused by the following: fires, lightning, hurricanes, tornadoes, smoke, theft, vandalism, explosions, riots, vehicles, aircraft, ice, snow, sleet, and freezing of home plumbing systems. They usually don’t protect against damage from floods, earthquakes, water damage, mold, deterioration, and insect or rodent infestations. An insurance agent can help tailor your policy, so it provides the additional coverage you’re seeking.

If you need insurance for your home, car, or any of your other valuable assets, get in touch with the experts at Consolidated Agency. They’ve served the Rochester, NY, area since 1988 and will work with you to find the right policy for your needs. Contact them online or call (585) 467-4110.

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