Icon Icon Icon Icon Icon Icon

Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Homeowners Insurance Information

Insure your home with Pepe Insurance Agency!

Serving Dutchess County, NY including Poughquag, Lagrangeville, Hopewell Junction, and Poughkeepsie.

Your home is probably the biggest investment you will make in your entire life. They cost a lot of money to buy and to just maintain. Your home is the center of your daily life and your most valuable asset. When your home is destroyed, it can be a life-shattering event. You need your claim settled by an insurance company that understands this. 

Pepe Insurance Agency has been providing homeowners insurance coverage for Poughquag and the surrounding areas of Lagrangeville, Hopewell Junction, and Poughkeepsie in Dutchess County, NY since 1993. We can help you find the homeowners insurance that will best meet your needs and provide the most valuable combination of coverage, excellent customer service, and good pricing

Insurance for All Kinds of Homes

Because everyone's needs are not the same, it is best to consult with an agent like Pepe Insurance Agency to help assess your needs and find the insurance policy that is right for you. Depending on where you live - a house, an apartment, or a condominium - the right homeowners insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and belonging. 

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Family on lawn in front of home

Homeowners insurance is a package policy. This means that it covers both damage to your property and 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 but there are exceptions. The most significant are damage caused by floods, earthquakes and 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 is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Family in their driveway in front of houseTypes of Homeowners Policies
There are 8 different types of homeowners policies. 

1. HO-1 Basic Form

The form insures your home and contents against only these perils: fire, lightning, and smoke damage; windstorm and hail; burglary and theft; explosion; glass breakage; vehicle or aircraft damage; riot and civil commotion; vandalism and malicious mischief; bodily injury; damage to property of others; civil judgments; medical payments; personal property (at home); personal property (away); and additional living expense if forced to live away from home.  Does not cover any losses from any perils outside of these. Floods and earthquakes are not typically covered. Personal liability is not generally covered if you are sued by someone who gets injured on your property. Very few companies sell these policies anymore. 

2. HO-2 Broad Form (Named Peril)

Covers all of the perils in an HO-1 policy plus the following perils: falling objects; weight of ice, snow, or sleet; damage resulting from an accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire sprinkler system; freezing of plumbing systems; and electrical damages to appliances. Any damage caused by events outside of these perils will be excluded from coverage. 

3. HO-3 Special Form (Open Peril)

This is the most widely used homeowners policy. Most lending institutions will require you to purchase an HO-3 when you take out a mortgage on a home. It covers your home for all risks of physical loss except those that are specifically excluded in the policy, such as flood, earthquake, war, nuclear accident, ordinance or law, neglect, intentional loss, and governmental action. In an HO-3, your personal possessions are only covered on a named perils basis.

4. HO-4 Tenant's or Renter's Form

Insures against damage to the contents of a unit and for personal liability of the insured when people are injured or sustain property damage arising from the insured unit. A tenant does not need to insure the building since that is responsibility of the building owner.

5. HO-5 Comprehensive Form

This form protects your home  against the same perils as in an HO-3. In addition, your personal possessions would also be covered for all risks of physical loss, except those risks that are specifically excluded. 

6. HO-6 Condominium Form

These policies provide contents and property coverage for any alterations, appliances, fixtures, improvements, and interior walls within the insured unit. It also covers liability claims such as someone getting injured in your condo. The condominium building and common areas are typically insured through policies issued to the condominium owners' associations. 

7. HO-7 Mobile Home Form

This form is essentially the same as an HO-3, but is designed specifically for mobile or manufactured home, which don't fall under regular homeowners insurance coverage. 

8. HO-8 Older Home Form

This policy is designed to address specific concerns with coverage for older homes. The coverage details are the same as an HO-3, but with special adaptations to better suit old homes. Historic homes and registered landmarks usually carry this type of policy.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.Home with coin

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?]
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Already a Pepe Insurance Agency Customer?
We offer easy to use policy management forms. Visit our Customer Service page.

Have a homeowners claim?
For our current clients, visit our Claims Page to either submit a claim to us or find links to the claim page of your insurance company. 

Thank you for your interest in Pepe Insurance Agency. We work with multiple A+ carriers to bring you the best auto coverage to fit your needs and budget. Contact us today and an insurance agent will reply promptly.

Facebook
Twitter
© Copyright. All rights reserved. Powered by Insurance Website Builder.