Home and Renters Insurance

Home InsuranceRenters Insurance

At Lopinto Insurance we are proud homeowners too—exactly why we are committed to helping you navigate through this critical policy decision. You’ve worked hard to secure yourself a safe and comfortable place to call your own—now the next step is protecting you and your property from an array of risk exposures.

Attention New Jersey Coastal Homeowners: Are you having difficulty securing homeowners insurance? NJ residents—please don’t hesitate to call us immediately! At LoPinto Insurance, we will help you insure your home, even if you live on the coast. Our agents will are here to help you secure the right coverage for your property, at the best value.

As a well-established independent insurance agency we have the ability to shop multiple carriers nationwide, comparing rates and resulting in the best possible NY home insurance, NJ homeowners insurance, CT, PA or FL coverage plan—because we’re here to help you protect what matters most!

In order to secure you the most appropriate coverage, it’s important that we take the time to fully understand your individual needs—because let’s face it, every home and homeowner is different.

Typical policies for NY home insurance, NJ homeowners insurance, CT, PA or FL coverage 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)
  • Personal Liability

Looking for specialty coverage, for those unique exposures vulnerable within your standard home insurance? Our policies can be customized with further endorsements that can be purchased to enhance your home insurance! At LoPinto Insurance, our clients can benefit from additional coverage options, which can add that extra degree of security, including:

  • 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 LoPinto Insurance, we know what may work for one homeowner, won’t necessarily work for you. Which is exactly why we aim to create tailored insurance plans that reflect the distinct needs of you, your family and your unique home.

Give us a call today, to learn more about our NY home insurance, NJ homeowners insurance, CT, PA or FL coverage plans! One of our insurance specialists would be happy to provide you with a complete coverage review as well as offer you a free homeowners insurance quote right now!

Don’t forget! You can combine your home insurance with an auto insurance policy, and save up to 30%.

Generally speaking, renters insurance acts as a homeowners insurance policy for those who rent, and inevitably can help protect you and your assets. Having renters insurance can also help to mediate the cost of damages should anything happen to a rental property that you are living in.

Do not make the mistake of assuming your landlords home insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property—not your belongings. If the person who owns the building has New York renters insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for insuring your belongings.

At LoPinto Insurance, we can protect your personal assets and belongings by securing a policy that is designed especially for tenants.

Generally speaking, New York City renters insurance and beyond— covers your possessions for common causes of loss, additional living expenses related to making other living arrangements, medical expenses for treating people injured on your premises as well as unfortunate lawsuits.

There certainly is a lot to think about when it comes to determining the exact coverage you need and want from your renters insurance. New York City clients, as well as our additional clients throughout NJ, CT, PA and FL will benefit from working with our expert insurance specialists, who are here to help you distinguish the risk exposures you face and ensure that you are perfectly prepared.

Contact LoPinto Insurance today for more information and fill out our free New York renters insurance quote form!