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The Right Homeowners Policy Matters

Homeowners insurance: A popular policy, but often misunderstood.

Wind, sewage, and carpenter bees can damage your house. Only one of them is covered by home insurance. You shouldn’t have to learn the hard way that you were sold an inferior insurance policy. You should be confident in your coverage.

Home Insurance in CNY

Get the right coverage without the confusion

Finding the right homeowners insurance can be confusing and overwhelming. There are so many options, terms, and conditions to consider. How do you know what’s best for you and your situation?

You want to protect your home, your most valuable asset, from any potential damage or loss. You want to have enough coverage to rebuild your home and replace your belongings in case of a disaster. You want to have flexible options to customize your policy according to your preferences. And you want to work with an agency that understands your situation and provides you with the best service and support.

Pricing an Home Policy

How Much is Homeowners Insurance?

Home insurance covers the damages and losses that may occur to your home and its contents. It can protect you from risks such as fire, theft, vandalism, storms, and liability. The cost of home insurance depends on many factors, such as the size, age, and condition of your home, as well as the location, the coverage options, and the deductible. 

A single-family home with about 1,800 square feet should range between $55 – $121 per month or $660 – $1,452 per year. What specific factors affect your price?

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Secure your CNY home and valuables with reliable homeowners insurance.

Living in Central New York comes with unique joys, but it also presents specific risks to your home. At Horan, we understand the challenges homeowners face in this region and offer customizable plans to keep your sanctuary safe and secure.

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Comprehensive Coverage for Your Home:

Get coverage from blizzards, thunderstorms, and other natural disasters that can strike CNY. From roof leaks to basement floods, we’ve got you covered. Whether it’s a fallen tree branch, a burst pipe, or a fire, you want homeowners coverage that guarantees your home is fixed or restored, no matter what.

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Robust Personal Property Coverage for Your Belongings:

Our policies go beyond just your home, covering your personal belongings inside and outside your house. Whether you store them in your closet, your garage, or your storage unit, your policy should safeguard your items from theft, vandalism, or damage.

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Additional Protection for Unexpected Events:

Accidents can happen anytime, but you can be ready. You’ll want a policy that will cover you for any harm or injury you may cause to others on your property. Whether you accidentally injure a visitor, damage a neighbor’s fence, or face a lawsuit, you want homeowners coverage that will pay for the medical expenses, legal costs, and property repairs that may result.

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Horan Companies offers comprehensive homeowners insurance in New York State, including: Baldwinsville, Syracuse, Onondaga County, Liverpool, Fulton and Camillus, NY.

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Burning Questions Answered


Common Questions and Answers About Your Home Insurance Policy Options

My policy is paid through my mortgage. Can I still switch insurers?

Does my house have to be inspected for insurance?

How much is homeowners insurance?

Buy homeowners insurance with confidence and ease

Finding the right homeowners insurance can be confusing and overwhelming. There are so many options, terms, and conditions to consider. How do you know what’s best for you and your situation?

Homeowners insurance is not a one-size-fits-all product. Your needs will vary depending on

  • the type of home you have,
  • your location, and
  • your personal circumstances.

Learn how to avoid common pitfalls and mistakes that could cost you money and time when buying homeowners insurance. And learn how to get the right coverage at the right price with the best customer service in the industry. You’ll get guidance through every step of the process and answers to all your questions.