Homeowners insurance isn’t just designed to protect your home and its contents. The right policy will also help you maintain your lifestyle and standard of living, and it will allow you to enjoy your home without the constant fear of ending up with insurmountable repair and replacement bills. If you live in Chappaqua, Armonk, Bedford or a nearby community, count on the experts at Charles Goodman Insurance Agency for your homeowners insurance needs.
Since opening our doors in 1964, Charles Goodman Insurance Agency has stood apart from the crowd in many ways. Most notably, we offer a personalized level of service that you just don’t find all that often anymore. When you come to us for homeowners insurance, you’ll work directly with one of our friendly, talented and experienced agents who will sit down with you to find out everything about your needs in order to present you with the most viable, cost-effective options.
Unlike many insurance agencies, which often work in conjunction with a single insurance provider, Charles Goodman Insurance Agency is an insurance broker. This means that we have access to homeowners insurance policies and products from a wide array of trusted names. This allows us to have greater flexibility in identifying the best policies for our valued clients.
At Charles Goodman Insurance Agency, we know the ins and outs of homeowners insurance and can advise you on the features that suit your needs the best. This type of coverage protects your home and other structures on your property in the event of damage from things like fire and wind, but it does more than that.
Homeowners insurance also protects your personal property and possessions whether they’re in your home or anywhere else in the world. Contents replacement covers the cost to repair or replace your belongings in the event they are lost or damaged. Various policies have different restrictions, and our agents will go over everything with you to ensure that you don’t encounter any unpleasant surprises down the road.
Contact Charles Goodman Insurance Agency today to learn about exciting homeowners insurance features like medical payments, liability coverage for bodily injury or property damage, contents replacement coverage, and more.
Actual cash value
Actual cash value, or ACV, refers to the current value of your property. For the purposes of a homeowners policy, the ACV equals the current cost to replace your property minus depreciation. The ACV of your property plays a strong role in the cost of your premiums.
The overall design of your home and its features play a huge role in the cost of homeowners coverage. Its age matters a lot too, and older homes typically cost more to insure. The location of your home is taken into consideration when calculating premiums. Protective devices, including home alarm systems, can reduce the cost of your premiums. Finally, your claims history will be taken into consideration too.