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Homeowners and Renters Insurance

As an independent insurance agency, we are able to review your options with multiple insurance carriers and compare protection and pricing to find the best value with the proper coverage for your home.

Home Insurance

If you own a house, apartment, or condominium we will help find the best home insurance policy that will provide you with peace of mind as well as the proper coverage to assist you should you incur a loss due to fire, hail, smoke, falling objects, vandalism and/or theft of personal property. We recommend you consider your limits based on your needs as well as your owned assets. Once you have done that we will be more than happy to help guide you to the proper coverage you require. We have listed some important coverages that should be included in your homeowners policy to protect you, your family and your assets.

Important Coverage Options

Dwelling Coverage

This coverage will provide you with the means to repair or rebuild your home if it’s damaged or destroyed by an insurable event such as fire and or wind/hail.

Personal Property

Personal Property Insurance will cover items in your home such a clothing, furniture, appliances/electronics and many other items you may own. This coverage will assist in replacing these items if they are stolen or destroyed as a result of a covered loss.

Other Structures

Many properties have separate building such as garages or sheds. Other Structures coverage reimburse the cost associated with repair or replacement in the event of a covered loss.

Loss of Use/Additional Living Expenses

Additional living expenses coverage is provided when a covered loss prevents you from living in your home. Coverage is normally for up to 24 months during the damage assessment process and while your home is repaired and/or rebuilt.

Personal Liability

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The limits for this coverage are extremely important for your personal protection. You should take into consideration your income and all of the assets you own. Your personal liability coverage will assist and help protect your assets if you are sued, considering an increased limit is highly recommended.

Medical Coverage

Medical expenses will cover your guests should they be injured on your property, and in certain cases covers people who are injured off of your property. This is not a health care plan for you or other members of your household.

Scheduled Personal Property Coverage

For valuables such as jewelry, art, antiques or collectibles that require additional coverage your policy may not include please speak with one of our agents to be sure these items are properly covered and protected.

Let one of our knowledgeable agents at Multy Cover Corp. / Parrinelli Insurance Agency help provide you with the proper coverage and policy you require for your home. We can be reached at 631-588-8888 or email us at Insure@multycover.net we’re here to help.

Condo Insurance

Condo insurance provides coverage for your dwelling and personal property and much more. There are several different options of coverage to choose from including full value personal property and full replacement value with no depreciation after a covered loss. Important things to keep in mind when considering your coverage plan are things like upgrades done in the condo such as kitchen/bathroom or new flooring/tiles, condo building item coverage protects these investments. We also offer various limits of loss assessment coverage. You may want to review your HOA agreement to determine the potential for such assessments.

Your condo insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result based on the limits you select. We also recommend medical expense coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.

Important Coverage Options

Dwelling Coverage

Dwelling coverage protects the structure of the condo unit itself and upgrades that you made, like your built-in appliances and custom hardwood flooring.

Personal Property Coverage

Personal Property Insurance will cover items in your home such a clothing, furniture, appliances/electronics and many other items you may own. This coverage will assist in replacing these items if they are stolen or destroyed as a result of a covered loss.

Loss of Use Coverage / Additional Living Expenses

Additional living expenses coverage is provided when a covered loss prevents you from living in your home. Coverage is normally for up to 24 months during the damage assessment process and while your home is repaired and/or rebuilt

Loss Assessment Coverage

If your condo’s shared spaces or building exterior is damaged and there were some remaining costs after the master policy paid out, loss assessment coverage can help pay for those remaining costs so you will not have to pay out of pocket.

Personal Liability Coverage

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The limits for this coverage are extremely important for your personal protection. You should take into consideration your income and all of the assets you own. Your personal liability coverage will assist and help protect your assets if you are sued, considering an increased limit is highly recommended.

Medical Payments Coverage

Medical expenses will cover your guests should they be injured on your property, and in certain cases covers people who are injured off of your property. This is not a health care plan for you or other members of your household.

Let one of our knowledgeable agents at Multy Cover Corp. / Parrinelli Insurance Agency help provide you with the proper coverage and policy you require for your home. We can be reached at 631-588-8888 or email us at Insure@multycover.net we’re here to help.

Renters Insurance

Your renters policy covers your personal property against theft or damage and even applies when you are away from home. This policy also protects you and your family members against bodily injury and property damage liability claims. We recommend you consider you limits based on your needs as well as including medical payments. This coverage will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault.

Important Coverage Options

Personal Property

Personal Property Insurance will cover items in your home such a clothing, furniture, appliances/electronics and many other items you may own. This coverage will assist in replacing these items if they are stolen or destroyed as a result of a covered loss.

Loss of Use / Additional Living Expenses

Additional living expenses coverage is provided when a covered loss prevents you from living in your home. Coverage is normally for up to 24 months during the damage assessment process and while your home is repaired and/or rebuilt.

Personal Liability Coverage

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The limits for this coverage are extremely important for your personal protection. You should take into consideration your income and all of the assets you own. Your personal liability coverage will assist and help protect your assets if you are sued, considering an increased limit is highly recommended.

Medical Payments Coverage

Medical expenses will cover your guests should they be injured on your property, and in certain cases covers people who are injured off of your property. This is not a health care plan for you or other members of your household.

Let one of our knowledgeable agents at Multy Cover Corp. / Parrinelli Insurance Agency help provide you with the proper coverage and policy you require for your home. We can be reached at 631-588-8888 or email us at Insure@multycover.net we’re here to help.

Dwelling Fire Insurance / Landlord insurance

Landlord Insurance, also known as a Dwelling Fire Policy, covers you from losses or injuries related to a property you own and rent out. Covered losses include damage to the building's structure, loss of use, loss of rental income, and more. Landlord insurance policies are the best insurance policy for rental properties or non-owner-occupied homes. If you own a home and rent to tenants, this policy is for you.

Important Coverage Options

Dwelling

Dwelling coverage pays for damage to the home you rent out in the event of a covered loss.

Other Structures

Other Structures Include separate buildings such as garages or sheds.

Personal Property

Property coverage provides protection for your property and covers items that remain in the home, such as personal belonging, window treatments, appliances and furniture.

Fair Rental Value

Fair Rental Value provides protection for the loss of the rental income while the tenant is unable to live in the house to the limit of liability.

Liability Coverage

Liability Coverage is if your tenant or someone else sustains bodily injuries or damage to their possessions while on your property. This coverage also helps pay your attorney fees and court fees related to a covered loss.

Medical Payments

Medical Payments coverage helps pay for medical bills incurred by visitors to your rental property who sustain a bodily injury while on your premises.

Let one of our knowledgeable agents at Multy Cover Corp. / Parrinelli Insurance Agency help provide you with the proper coverage and policy you require for your Rental Property. We can be reached at 631-588-8888 or email us at Insure@multycover.net we’re here to help.

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