Homeowners Insurance Information
Tango, Tango & Tango agents help find the homeowners insurance policy that's right for you
Proudly serving Commack, Kings Park, Huntington and all of Long Island, New York
Because everyone's needs are not the same, Tango, Tango & Tango agents help assess your needs and find the insurance policy that's right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself, as well as the things you keep inside of it.
Homeowners insurance is a package policy. Package policy means your homeowners insurance covers BOTH:
- Damage to your property
- Your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered, however there are exceptions. The most significant exceptions are damage caused by:
- Flood waters
- Poor maintenance
You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
Why do you need homeowners insurance?
It’s about protecting yourself financially if something unexpected happens to your home or possessions. Your home is more than likely your largest investment, so it’s important to protect your investment if:
- your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it
- a guest in your home is injured, liability protection and medical coverage help pay expenses
- you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs
- you are still paying for your home, your lender requires insurance
It’s important to know homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask us to talk about what’s covered. Most importantly, ask us to review your policy with you, so you understand and know exactly what's included and what isn’t.
Questions you may SHOULD have when meeting with our agents at Tango, Tango & Tango, Inc.
Here are few things to discuss with us that will influence your decisions.
Q: How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
A: Every homeowner will have unique answers to this, but we will talk to you about your home’s features, as well as the things you own. We will then create a policy that fits your needs, as well as your budget.
Q: Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
A: Our agents have been in the insurance industry, collectively over 60 years. We’re familiar with which insurance companies treat their policy holders well, and have excellent customer service. We’re also familiar with the companies paying claims fairly, and within a reasonable amount of time. We do our best to match our clients to the right insurance companies based on their needs, as well as their budget.
Q: What discounts are available?
A: We’ll go over all the discounts available to New York Homeowners. A few discounts available are multiple policy, security system, and fire resistance discounts.
Q: What's the process for filing and settling a claim?
A: Tango Agents will discuss who do call if there’s a need to file a claim, as well as what to expect after you file the claim.
IMPORTANT TO KNOW: Flood losses are not covered by your homeowners insurance policy. Visit our FLOOD INSURANCE page to learn more and request a quote!