Loomis Family Insurance · Troy, NY
Home Insurance
Protection for the house, your belongings, and your peace of mind.
Who it's for
Homeowners across the Capital Region, from historic Troy row houses to newer builds in the suburbs. If you have a mortgage, your lender will require it, but it's worth having either way.
What it can cover
- ✓Damage to your home's structure from fire, wind, and other covered events
- ✓Detached structures like garages, sheds, and fences
- ✓Personal belongings inside the home
- ✓Liability if someone is hurt on your property
- ✓Extra living expenses if you can't stay home during repairs
Coverage, benefits, and eligibility vary by policy and carrier.
Good to know
Does home insurance cover flooding?
No. Flood is a separate policy. We can help you look at flood options, especially near the Hudson.
How much coverage do I need?
Enough to rebuild your home at today's costs, which isn't the same as its market value. We'll walk through it with you.
Are ice dams and burst pipes covered?
Often, yes, depending on the policy and how the damage happened. We'll point out what to look for.
Questions? Let's talk.
Call us and we'll be glad to help you.
