Homeowners Insurance in Westchester County
Protect Your Most Valuable Asset with Refine Risk
Your home is more than a place to live. It’s a financial asset, a family legacy, and a foundation for your future. At Refine Risk, we help homeowners across Tuckahoe, Bronxville, Scarsdale, Eastchester, and throughout Westchester County secure insurance that matches the full value of what they’ve built.
Why Home Insurance Matters in New York
Whether it’s a kitchen fire, storm damage, theft, or a liability lawsuit from a guest injury, homeowners insurance protects you from unexpected costs that can impact your financial health.
But not all policies are created equal. The wrong policy can leave major gaps. The right policy should be tailored to:
- The age, location, and value of your home
- Local hazards (storm surges, snow/ice damage, etc.)
- Personal property and valuables
- Legal liability for injury or property damage
We help you sort through these details clearly and efficiently.
What Homeowners Insurance Covers
Dwelling Coverage
Pays to repair or rebuild your home if it’s damaged by a covered peril such as fire, wind, or vandalism. We run local replacement cost analyses to account for labor and material pricing in Westchester County and surrounding areas.
Other Structures
Covers detached buildings like garages, sheds, driveways, and fences.
Personal Property
Covers your belongings link furniture, electronics, clothing, and more. Whether they’re in your home or temporarily elsewhere.
Loss of Use
Covers hotel stays, meals, and temporary housing if you can’t live in your home during repairs after a covered loss.
Personal Liability
Protects you financially if you’re responsible for injury or property damage. This coverage applies both on and off your property.
Medical Payments to Others
Covers medical bills if someone is injured on your property, regardless of fault.
Scheduled Personal Property
Optional protection for high-value items like jewelry, artwork, musical instruments, or collectibles that exceed basic policy limits.
Local Expertise Makes a Difference
We serve homeowners across the Tri-State area. We understand the unique insurance requirements in:
- Tuckahoe and Bronxville, where historic homes often need specialized policies
- Scarsdale and Eastchester, where high-value real estate requires extended replacement cost and higher liability limits
- Coastal and river-adjacent zones where flood insurance may be necessary even outside official FEMA flood zones
Our agents review your municipal building codes, local claims patterns, and replacement cost trends to make sure your policy is calibrated for where you live.
Condo, Co-op, and Rental Home Coverage Available
Do you live in a co-op or condo in Westchester or New York City? Do you own a rental property or second home? You may need a different type of policy such as:
- HO-6 for condos and co-ops
- DP-3 for landlord or investment properties
- Renter’s insurance for tenants
We’ll help you choose the correct policy for your residence type and ownership structure.
How Homeowners Insurance is Priced in New York
Your premium is based on several key factors:
| Pricing Factor | Details |
|---|---|
| Replacement Cost Value | Cost to rebuild your home using today’s labor and materials |
| Location | Proximity to water, fire departments, crime rates, and local weather risks |
| Construction Type & Age | Brick homes or new construction often cost less to insure |
| Coverage Limits & Deductibles | Higher coverage means higher premiums. Higher deductibles lower them |
| Claims History | Prior claims in your history or in your neighborhood can affect cost |
| Bundled Policies | Bundling home and auto insurance can save up to 25% |
Frequently Asked Questions (FAQs)
Do I need flood insurance if I have homeowners insurance?
Yes. Most homeowners policies do not cover flood damage. If you live near the Bronx River or in a high-risk flood zone, flood coverage is essential.
How much home insurance should I have?
You should insure for the full replacement cost of your home—not the market value. This ensures you can rebuild entirely after a total loss.
Can I insure my valuables like jewelry or art?
Yes. High-value items can be covered under scheduled personal property endorsements.
Will my policy cover water damage from burst pipes?
Most do, but it depends on the policy. We’ll help you confirm what’s included.
Is homeowners insurance required?
If you have a mortgage, your lender will require it. Even without a loan, coverage protects your personal and financial assets.
Get a Homeowners Insurance Quote
Your home deserves more than a generic insurance policy. Whether you’re in Tuckahoe, Scarsdale, Bronxville, NYC, or anywhere in the Tri-State area, Refine Risk is here to build a smarter coverage plan.
Start your quote online or call our office today to speak with a local advisor.