Home Insurance for Westchester

Insuring Your Home in Westchester 

Looking for insurance options for your home in Westchester? From the Sound Shore through the Hudson River Towns and into Northern Westchester, there are many beautiful places to call home. Whether you are looking to insure a condo, contemporary home, a historic colonial, or another residence, our local insurance professionals can help you find coverage options for your home. As a personal insurance agency that focuses on successful individuals, we are able to work with top insurance carriers. 

Does My Westchester Home Need Flood Insurance?

You can use this resource to see flood zones and maps for Westchester. Typically, homeowners, condo, or renters insurance does not cover damages caused by floods. Even if your home is not located in a flood risk area, freshwater flooding from rainfall or through stormwater drains can significantly increase water levels. If you have concerns about the risk of flooding in your area, reach out to us to review your current policies and look at coverage options.

Understanding Homeowners Policies

Dwelling Coverage

Homeowners insurance policies are generally built around dwelling coverage. It provides coverage for your home’s structure, including the floors, walls, built-in appliances, and ceilings, as well as any adjacent structures, if they are damaged or destroyed by certain events. These policies  provide coverage in the event of a loss from covered risks, which often include fire, hail, theft, and vandalism – and can assist you in rebuilding your property in the event that a covered risk results in a total loss (up to the limit of your policy and subject to any exclusions).

Contents Coverage 

Contents coverage protects the goods and personal property in your house, such as furniture and clothing. If your contents are damaged or destroyed by a covered risk, this coverage will provide compensation for the monetary value of your contents (as determined by the policy language, and subject to policy limits and any exclusions).

Personal Liability 

Personal liability insurance typically includes both bodily injury coverage, which generally pays for medical expenses (up to coverage limits) if a guest or other third party is injured while on your property, and property damage coverage, which generally pays for property damage sustained by a guest or other third party (up to coverage limits) while on your property.

Common Causes of Damage 

Many claims for home insurance are submitted because of property damage. Knowing the most prevalent sources of damage in Westchester may make you feel more at ease and can help in adjusting your coverage to your specific needs. There are several common causes of property loss in Westchester that can affect almost everyone:

Natural Disasters  

Anywhere you live, you could be prone to a number of natural disasters.  Severe weather disasters can cause extensive damage to your home and personal belongings. Homeowner policies differ in terms of what risks are covered, so speak with an experienced agent to determine whether a particular policy includes coverage for the types of natural disasters that might affect your home. 


Vandalism is human-inflicted destruction of property or belongings.


Burglary, like vandalism, may be more widespread in major cities. As a result, it is critical to seek insurance to protect your possessions.


Fires are notorious for wreaking havoc. Fires can occur everywhere, but they may be more common in older houses or in residences surrounded by vegetation.

Other Insurance Coverages for Westchester 

Our team can help you find coverage options for your valuables, watercraft, high-end vehicles, and more.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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