Homeowners Insurance
A Higher Standard of Coverage, For Every Kind of Home
About Homeowners Insurance
Your home is more than an asset — it’s the heart of your lifestyle, your sanctuary, and for many, the cornerstone of generational wealth. Whether you own a brownstone in Brooklyn, a Colonial on Long Island, or a weekend retreat in the Hudson Valley, your homeowners insurance should match the integrity, value, and individuality of the life inside those walls.
At United Coverage, we don’t believe in one-size-fits-all policies. We believe in handcrafted protection — tailored to your property, your belongings, and your peace of mind. Whether you’re protecting a first home, a forever home, or a custom estate, we make insurance feel like it should: effortless, personal, and intelligent.
What Our Homeowners Insurance Covers?
Dwelling Coverage
What it does: Rebuilds or repairs the structure of your home if it’s damaged by covered events like fire, wind, vandalism, or hail. How we elevate it: We match coverage to the actual reconstruction cost — including luxury finishes, custom carpentry, and specialty materials.
Personal Property Coverage
What it does: Replaces your belongings — furniture, electronics, clothing, art, decor — if they’re stolen or destroyed in a covered loss. Upgrade options: Replacement cost value (not depreciated) Custom schedules for high-value items like jewelry, fine art, watches, and wine collections
Personal Liability Insurance
What it does: Covers legal costs and damages if someone is injured on your property or sues you for damages related to personal activities. Who needs this: Everyone — but especially homeowners who host guests, employ staff, or have high public profiles.
Loss of Use / Additional Living Expenses (ALE)
What it does: Pays for hotel stays, rentals, dining out, and daily expenses if your home becomes unlivable due to a covered claim. Luxury benefit: Some of our carriers offer first-class accommodations that match your lifestyle, not just minimum housing.
Other Structures
What it does: Covers detached buildings like garages, guest houses, pool houses, fences, or even outdoor kitchens.
Optional Upgrades & Custom Enhancements
Guaranteed or Extended Replacement Cost
- If your home costs more to rebuild than expected, this ensures you aren’t stuck footing the difference.
Water Backup and Sewer Overflow
- Commonly excluded by standard policies — we offer robust protection against damage from sump pump failure or backed-up drains.
Equipment Breakdown
- Covers essential household systems and appliances — HVACs, boilers, generators, and even smart home tech.
Flood & Earthquake Insurance
- Available as add-ons or standalone policies — especially important for waterfront or high-risk areas.
High-Value Home Insurance (HNW Clients)
For homes valued over $1M+, we offer concierge-level policies through elite partners
Cash-out claim settlements
Risk mitigation consults
(leak detection, fire suppression)
Higher sub-limits for valuables, jewelry, and fine art
Coverage for multiple residences, trusts, LLCs, and domestic staff
Signature “walkthrough inspections” with coverage advisors
Why United Coverage?
We’re not just brokers — we’re risk advisors, advocates, and partners. We take the time to learn the story behind your property so we can protect it the way it deserves to be protected.
- One-on-One Service
Dedicated agents. No call center. No scripts. Just real guidance. - Carrier Access Without the Hassle
We shop top-rated companies on your behalf to get the best price and the right protection. - Claims Advocacy That Works
If something goes wrong, we don’t disappear. We fight for fast payouts and smooth resolutions.
Ready to Get Started?
Whether you’re closing on your first home or reviewing coverage for a legacy estate, we’ll build the perfect homeowners policy — designed for your life.
Based in Hewlett, proudly serving homeowners across New York and beyond.
Let’s Talk Coverage That Works
