Homeowners Insurance

It’s more than a house…

While an insurance policy may use terms like ‘primary dwelling’ or ‘residential structure’, we know your house is more than a building: it’s your home.  It’s where your family comes together at the end of a busy day.  It’s the warmth you cherish on cold winter nights and the cool escape during the dog days of summer.  You’re raising your family and creating memories in your home.  Next to your earning potential, it’s probably your most valuable asset.  At Amato Insurance Agency, we understand that home really is where the heart is…and we make sure that, in the event of a covered loss, you and your family will always have a place to call home.

Don’t wait until a loss to discover you’re not covered!

Homeowner'sAll too often, a homeowner realizes that their policy wasn’t everything they thought it was only after a loss occurs.  It’s after a loss that specific limits on certain personal items become a real-world issue that leaves a homeowner frustrated…and without the protection they thought they had.  The professionals at Amato Insurance Agency take the time to discover your specific needs to avoid ‘surprises’.  We dig a little deeper to make sure you have adequate coverage for those unusual items, as well as items you may have that exceed standard policy limits.  We’ll show you how specific policy endorsements can be added for collectibles, jewelry, artwork and other items on your policy that are in excess of your policy’s stated limits so you’ll never have to worry about replacing your personal belongings in the event of a covered loss.  We take the guesswork out of insuring your home at Amato Insurance Agency.

Liability Protection…just as important!

Many people fail to realize that being a homeowner brings a set of risks and liability exposures.  Suppose you accidentally damage your neighbor’s property while trimming a tree or cutting your lawn?  What happens when a guest at your home slips and suffers an injury?  If a house fire occurs and a friend’s personal property is destroyed, who’s libel?  Liability coverage isn’t an option: it’s a necessity.  Amato Insurance Agency can show you how to protect yourself against those ‘oh-oh’ moments with liability coverage.  We can even show you how you can extend your liability protection for your home, auto and other considerations with a liability umbrella.  Our family helping your family: that’s Amato Insurance Agency.

Our Homeowners Options Include:

  • Homes
  • Rental property
  • Second Home / Seasonal Home
  • Townhomes
  • Apartments
  • Condos
  • Mobile Homes
  • Vacant Homes
  • Homes under construction
  • Umbrella
  • Flood, jewelry, artwork, etc
  • Multi Policy Discounts are available

Let Our Family Protect Your Family…

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