Home Insurance

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Hutchings Insurance - Home and Business Insurance serving New York State, located in Middletown, NYOwning a home is a major milestone, something many work hard for and take pride in- so what comes next? How about protecting you and your property from an array of risk exposures with comprehensive New York property insurance.

In order to secure you the most appropriate coverage, we take the time to fully understand your individual needs. We realize that every home and New York homeowner is unique and requires unique polices. As your leading independent insurance agency we have the ability to shop multiple carriers, both locally and nationwide, comparing rates and resulting in the best possible solution for your New York home insurance .

Typical coverage packages for New York home insurance can include protection for the following:

  • The physical structure of your home
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Liability

Maybe you need a bit more security, or specialty coverage for your home. Don’t hesitate to ask one of our expert insurance professionals about further coverage options you can purchase to enhance your home insurance plan! Supplemental policies, that can add that extra degree of protection, include:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
  • Flood Insurance policies
  • Earthquake insurance policies
  • Umbrella Insurance policies (additional liability)
  • Animal Liability (liability issues due to household pets)

At Hutchings Insurance, we know what may work for one New York homeowner, won’t necessarily work for you. So if you need New York property insurance , please give us a call today. One of our dedicated agents will be happy to provide you with a thorough coverage evaluation as well as offer you a free New York property insurance quote!