Your Home may be your most important asset. Let Broadfield help you protect it.

Ask yourself…

What would happen if a major event struck your home tomorrow? A Fire ?  A break in and theft ? Burst Pipe ? Are you confident you’re properly covered for damages and total loss? Would you be required to pay some or all the repairs out of pocket?

These questions are crucial to address, because you can’t get insurance after a disaster strikes—and that can happen at anytime.

Custom Fit or Online – Your choice

Home Insurance Broadfield InsuranceOnline Quote NOW

In Person Visit with us

  • These days that could be Zoom or Teams meetings.  All of staff can meet with you “face to face” online.

By Phone845-986-2211

  • Schedule a dedicated time, unrushed to thoroughly review  your options.

Service the way you deserve

Our team are leaders in the industry (literally), and we know you want to do business in a manner that makes sense for you.  So we are happy to offer you a full suite of service options, all included as part of the Broadfield experience.

OnlineAccess your account 24/7

In PersonVisit with us

By Phone – 888-474-6369

Why so many company options ?

All Homes and needs are certainly not the same. Ask yourself…

  1. Did your representative take the time to make sure you have the right protection ?
  2. Do you believe your insurance program fits your needs today ?
  3. Is your insurance agency prepared with Multiple Insurance carriers, knows what is important to you ?

There are soooo many options on Homeowners policies.

Take this simple test

Questions every policyholder should know about their current insurance program

Q: If your home was destroyed would you have to rebuild ? (would you even want to ?). Do you know if your policy offers a cash out option ?

Q: Do you know if your property is covered when away from your residence ?

Q: Does your reconstruction have a “cap”, if so what’s the percentage – or – is it unlimited ?

How did you do ?  Since this is perhaps one of your greatest assets, shouldn’t you know these answers ?

What is Home Insurance for?

Home insurance covers the hazards that most homeowners face—everything from fire to theft, a cracked foundation to accidents on your property. When a loss occurs, you will file a claim with your insurance carrier and you are paid for the expenses, minus any outstanding deductible amounts.

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

For instance, if someone slips and falls in your home, or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.

You could also potentially need insurance to protect you from having to pay for:

  • Storm damage, fire, windstorm, lightning and hail, to name a few.
  • Dog bite liability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)
  • Manufactured home coverage
  • Trampoline or swimming pool liability insurance
  • Wind damage
  • Sinkholes
  • Flood damage
  • Sewer or septic backups
  • Replacement cost for personal property
  • Umbrella liability insurance

When you see an independent insurance agent like Broadfield Group, you have the chance to explore all your options for insurance, and protect the things that are most important to you.

Little known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

  • Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it
  • Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
  • A standard Homeowners policy typically does not include Flood Insurance
  • A standard homeowner policy only covers jewelry up to set limits if the loss results from one of the perils named on the policy
  • Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that’s all you’ll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Who needs to insure their homes?

  • Frame houses
  • CBS homes (Concrete Block Structure)
  • Manufactured homes
  • Mobile homes on acreage
  • Condos
  • Townhouses
  • Secondary homes
  • Homes you rent to others
  • Seasonal resident homes
  • Even residents that only rent should make sure they have the right kind of renters insurance in place.

The Broadfield Group Difference

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for …

… While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. So if you’re at all concerned for your financial well being, you should investigate what you are offered carefully, and consider a relationship with a reliable guide.

There’s no such thing as a one-size-fits-all insurance policy.

We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Click on the quote request button now and let the professionals at Broadfield Group help you forge the strongest shield possible to help you protect the things you care about most.

For information on additional insurance policies that we provide, kindly click: HERE

Pet Insurance

Did you know that Broadfield Insurance offers Pet Insurance through multiple carriers ?

Safeco is just one of the many carriers we represent, and we have provided a quick way to get an quote.


We offer more than just a policy

See what we can do for you today