Home Insurance in New York

Why Choose Pinnacle Coverage for Homeowners Insurance?

✅ Local Knowledge, National Reach
We’re your neighbors, and we understand New York’s challenges—nor’easters, flooding zones, and historic homes. Our partnerships with A-rated insurers ensure robust protection tailored to local risks.

✅ Tailored Policies, No Guesswork
Skip the generic online forms. Our agents assess your home’s age, location, and unique features to build a policy that covers what matters most.

✅ Competitive Rates & Proactive Savings
We compare dozens of carriers to find you the best value. Enjoy discounts for security systems, bundling, claims-free history, and more.

✅ 24/7 Claims Excellence
When disaster strikes, we act fast. From burst pipes to storm damage, our team guides you through repairs and reimbursements with minimal stress.

Homeowners Insurance Coverage Options

Customize protection for your property and peace of mind:

• Dwelling Coverage: Repairs or rebuilds your home after fire, wind, or vandalism.

• Personal Property Protection: Covers furniture, electronics, and belongings worldwide.

• Liability Insurance: Shields you if someone is injured on your property.

• Additional Living Expenses (ALE): Pays for temporary housing during repairs.

• Flood & Water Backup: Optional add-ons for New York’s coastal risks.

• High-Value Item Coverage: Jewelry, art, and collectibles fully protected.

• Identity Theft Restoration: Recover losses and repair credit if compromised.

• Equipment Breakdown: Repair/replace HVAC, appliances, and systems.

Save More with Pinnacle Discounts

• Multi-Policy Discount: Bundle home + auto/life insurance.

• Home Security Savings: Discounts for alarms, cameras, or smart systems.

• New Homeowner Discount: Save on recently purchased or renovated homes.

• Claims-Free Rewards: Lower rates for no claims over 3+ years.

• Loyalty Discounts: Reduced premiums for long-term clients.

Ask us how to stack savings!

Stress-Free Claims Process

1. Report Damage: Call us or file a claim online—anytime, day or night.

2. Fast Assessment: We’ll dispatch trusted local contractors for repairs.

3. Rebuild & Recover: Focus on your family while we handle paperwork and payments.

We’re New York’s Home Protection Partner

From historic North Shore estates to South Shore beach cottages, Pinnacle Coverage is committed to keeping our community secure. We know your home’s value isn’t just financial—it’s where your story unfolds.

📞 Ready to Fortify Your Home?
Call Us: 1-800-574-0501
Your Home Deserves a Guardian. Let’s Protect It Together.

Pinnacle Coverage is an independent insurance broker licensed in New York. Policies subject to terms, conditions, and underwriting approval. Discounts may vary. © 2025 Pinnacle Coverage LLC. All rights reserved.