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Homeowners

PROTECT YOUR HOME WITH COVERAGE AS UNIQUE AS YOUR LIVING SITUATION

At Tompkins Insurance Agencies, we provide custom-tailored homeowners insurance to protect your house and its valuable belongings. We do not want you to struggle with life after a disaster at home, so we provide comprehensive coverage to protect you in the event of a fire, lightning damage, theft, and other perils. Moreover, if you live in an area with a risk of flooding, we will add an additional layer of protection to cover you against potential losses.

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Your Home Deserves the Best

Your home makes up a significant part of your financial portfolio, and it deserves to be protected. Our personalized homeowners insurance policies are designed to address your unique risk exposures, ensuring best-in-class protection for you and your loved ones.

In addition to the common policy coverages highlighted below, at Tompkins we can offer customized coverage options based on your needs.

We offer the following coverage options as part of our home insurance policy:

Standard Coverage:

  • Dwelling coverage- covers your home and its permanently attached structures, including garage, deck, walls, roof, cabinets, etc.,
  • Other Structures- covers your detached garages or other buildings such as a shed
  • Personal property coverage- covers repair/replacement of your personal belongings, such as clothes, furniture, power equipment, etc.
  • Personal liability coverage- pays for legal expenses, attorney fees, and settlement fees in case you or a family member is sued for third-party property damage or bodily injury
  • Medical payments coverage-if a guest gets injured while on your property, this coverage pays for the resulting medical bills, surgical procedures, etc.
  • Additional living expenses(ALE)- if your home becomes uninhabitable after a covered peril, forcing you to rent a room, ALE will cover your housing expenses, laundry charges, food bills, etc.

Customized coverages:

  • Back up of sewers and drains – this add on provides coverage not found in a standard policy, helping you to recover from the damage created by this peril. A must if you have a finished basement
  • Personal property replacement cost coverage – if your covered personal property can’t be repaired, it will be replaced by a similar product of like kind and quality.
  • Service line/Mechanical breakdown coverage – if your sewer line is infiltrated by roots requiring a new line you are covered. You also have coverage for the mechanical units that service your home, for example the hot water tank.
  • Special coverage for your collectible items based on their value as a collectible
  • Coverage for your Home Business. Most home policies have little or no coverage for home related businesses. We can tailor coverage to meet your needs
Your Home Deserves the Best

What About Renters?

If you're renting an apartment or condo, you still need protection. Even though there are no federal laws mandating coverage, some landlords may require you to carry renters insurance as part of their lease agreement. Moreover, a renters policy will extend protection to your personal belongings, unlike your landlord's insurance that covers only the landlord for the physical space you occupy.


We Are Your Insurance Partners for Life!

Don't leave your hard-earned personal property exposed to uncertainties and losses. Contact our experts at Tompkins Insurance Agencies to ensure that you have the policy you need. Our well-trained insurance agents are here to address all your homeowners and renters insurance needs with customized coverage.

We are available 24/7 to answer any questions you may have regarding your coverage. Call us today at 1-888-261-2688 or stop by at any of our locations in NY and Pennsylvania.

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