Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Mount Vernon

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Mount Vernon Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

43Reviewed

27Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1940 Commerce Street, Yorktown Heights, NY 10598

Expertise.com Rating

Review Sources

Google
5.0 (22)
Yelp
4.5 (6)

Why choose this provider?

Pujols Insurance Services Corp provides insurance solutions to homeowners in Mount Vernon and surrounding areas. Its agents assist clients to select suitable insurance policies that protect them from disasters and accidents. They ensure maximum compensation for individuals during the claim process by working with reputable insurance companies. Pujols Insurance Services Corp provides business, truck, auto, cyber crime, motorcycle, and boat insurance covers to prevent owners from financial loss and damage.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

219 North Broadway, Sleepy Hollow, NY 10591

Expertise.com Rating

Why choose this provider?

Since 1978, Rey Insurance has provided homeowners in Mount Vernon and surrounding areas with insurance services. Its insurance agents are adept at advising owners of condos, homes, co-ops, townhouses, and apartments on policies required to cover accidents such as fire, wind damage, burglary, and burst plumbing pipes. The company provides finances to policyholders who incur complete losses to help them settle lodging bills during repairs. Rey Insurance offers insurance for pets, boats, travel, and weddings.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

77 East Main Street, Elmsford, NY 10523

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

TR Insurance Agency has offered comprehensive insurance services to home and business owners near Mount Vernon for over 20 years. Its team of insurance specialists provides access to robust home insurance plans to help protect property owners from financial losses associated with disaster-related damages. The agency also has insurance coverage plans that protect apartment building owners after unforeseen catastrophes have taken place. Additionally, it provides motorist, real estate, and restaurant insurance.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

2010 Williamsbridge Road, The Bronx, NY 10461

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Mendoza Agency is a full-service insurance company serving clients around Mount Vernon. Its professionals provide insurance plans to help safeguard homeowners from financial stress arising from damages caused by floods, earthquakes, and hurricanes. They also offer landlord and renter's insurance coverage. Individuals seeking specialized risk protection can contact the agents for condo and umbrella insurance. The agency additionally offers a range of other types of policies, including life, long-term care, and business insurance.

  • Multiple Policy Types

75 Lake Road, Congers, NY 10920

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

Debbie McGuinness - State Farm Insurance Agent provides personal and commercial insurance services to customers in Mount Vernon and nearby areas. Her experience with State Farm dates back to 1977. She provides clients with individualized coverage featuring options such as structural damage, liability claims and lawsuits, and theft and vandalism protection. In addition to insurance, Ms. McGuinness also provides notary services. Her team is fluent in Spanish and can be contacted 24/7.

  • Multiple Policy Types

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Do you need to buy homeowners’ insurance to own a house in Mount Vernon?

    Homeowners’ insurance is not a legal requirement to own a residential property in Mount Vernon, but lenders in New York mandate mortgage insurance for all borrowers before they can approve a loan for the purchase of a home. Even if you paid cash for the house, you should still obtain a homeowners' insurance plan because it protects your investment and personal possessions.

  • What discounts are commonly offered by homeowners’ insurance agencies in Mount Vernon?

    Homeowners’ insurance agencies in Mount Vernon offer varying discounts, but the most common are for risk reduction. Price reductions are offered to newly constructed homes, residences with security systems, and non-smoker or retired homeowners. In addition, insurance providers give discounts for customers who combine their homeowners’ insurance with another policy from the same carrier and for consistently maintaining their insurance with one carrier for a certain length of time.

  • What can you reimburse under the additional living expenses coverage of your homeowners’ insurance policy in Mount Vernon?

    You can reimburse additional living expenses like accommodation, telephone, pet boarding, laundry service, and restaurant bills. Your homeowners’ insurance policy will only cover extra costs if your house in Mount Vernon becomes uninhabitable. It will not cover the amount you usually spend on living expenses before your home was damaged.

  • Can your homeowners’ insurance provider in Mount Vernon cancel your policy mid-term?

    No. Insurance companies in Mount Vernon may only terminate policies within 60 days of the plan's effective date. After the initial 60-day period, your policy can only be canceled for specific reasons, such as premium nonpayment, misrepresentation or deception during the policy's purchase or a payment claim, and changes to the property's condition that make it uninsurable.

  • Will your homeowners’ insurance policy still cover your primary home in Mount Vernon if you rent it out short-term while away?

    It depends on your insurer and the rental situation. Some insurers would require you to purchase an endorsement to cover your home while rented out. Additionally, other carriers would still provide coverage as long as you notified them in advance. However, if your Mount Vernon home is regularly rented out on a short-term basis, it will not be covered by your homeowner's insurance policy. This arrangement transforms the residential property into a business.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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