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Retcho Agency Inc

308 Harrington Ave,
Closter, NJ 07624

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Home Insurance: 8 Types of Coverage You May Need

Home insurance is vital for all homeowners. In the event of a covered loss, it will protect your home and belongings. For expert insurance advice, contact us at Retcho Agency in Closter, NJ, and we can help you navigate this important coverage.

Home Insurance: What You Need To Know

Home insurance can be divided into eight types: basic, broad, special, contents broad, comprehensive, unit-owners, mobile home, and modified coverage. 

  • Basic coverage protects your home against fire, wind damage, and theft. 
  • Broad coverage adds protection against vandalism, water damage, and snow damage. 
  • Special coverage is for unique items such as jewelry or art. 
  • Contents broad coverage protects your belongings inside your home. 
  • Comprehensive coverage includes all of the above plus protection against floods and earthquakes. 
  • Unit-owners insurance is for people who live in a condo or co-op. 
  • Mobile home insurance is for people who live in a mobile home. 
  • Modified Coverage insurance is for dwellings that don’t meet the requirements of any of the above types of policies.

Each type of coverage comes with varying limits on specific parts of your home, so ensure you get adequate levels of protection before purchasing. If you live in an area prone to natural disasters, such as tornadoes, hurricanes, or wildfires, it’s a good idea to increase your limit on each type of coverage that has a limit on it. Retcho Agency can protect you if there’s an unexpected loss when you least expect it.

Give Us A Call

If you’re looking to buy or sell a home, there are plenty of essential factors to keep in mind. Home insurance doesn’t have to be one of them! Retcho Agency in Closter, NJ specializes in home insurance and other coverages, and we’re here to help you choose the policy that will work best for your situation. 

Partner Carriers

  • Chubb
  • Franklin Mutual
  • KBIC
  • Liberty Mutual
  • N&D Group
  • Neptune Flood Insurance
  • Pacific Specialty
  • Plymouth Rock/Palisades safety and insurance
  • Progressive
  • Safeco
  • Shelter Point
  • The Hartford
  • Travelers
  • Wright National Flood Insurance