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Call us today to explore all of the different ways, Full Circle Brokerage can help protect your home with the most appropriate and affordable Homeowners Insurance policy. We want you to have peace of mind knowing that your beautiful home and belongings are protected. Get a Quote Catered to Your Specific Needs. Full Circle Brokerage works with over 10 A+ rated home insurance companies.


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Did you know Renters Insurance can be as low as $175 for the entire year!!!  The place you rent is also your HOME, and such, you want it to be protected. Just like a home insurance policy, renters insurance protects you, your belongings and your living arrangements. We will Customize a Renters Insurance Policy That’s Right for You & Your Budget.  Full Circle Brokerage uses Insurance Providers That Will Help to Spare You From Unexpected Expenses. There is Nothing worse than an unforeseen expense! Many New Yorkers vividly remember Hurricane Sandy, which flooded several sections of NYC, parts of Long Island, and severely affected other parts of the state.  Many New Yorkers were left with nowhere to go.  

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Usually the condo's homeowners associations cover some expenses such as security, gardening and exterior maintenance but this is your major investment filled with possessions you want to protect. Your best option is to purchase a Condo Insurance policy to cover those possessions.  Full Circle Brokerage offers amazing rates!

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What questions are asked for home insurance? You'll likely be asked a series of questions, including the year your house was built, the type and age of the roof, the style of the home, its exterior finish and whether or not you have a garage.

What is the most important thing for home insurance? The most important part of homeowners insurance is the level of coverage. Avoid paying for more than you need. Here are the most common levels of coverage: HO-2 – Broad policy that protects against 16 perils that are named in the policy.

Should you have a high deductible on homeowners insurance? It's generally a good idea to select a homeowners insurance deductible of at least $1,000. While this means that you'd have to pay $1,000 to file a claim, having a higher homeowners insurance deductible reduces your rates

How do you calculate the replacement cost of a house? A quick method to estimate the replacement cost of your home is to multiply the square footage of your home by the average cost per square foot in your area.

How do home insurance companies pay out claims? Once the insurance company sends an adjuster and evaluates the damage to your home, they'll pay a settlement amount in either replacement cost or actual cash value. Replacement cost gives you funds to cover the costs to rebuild your home or repair damages using similar materials.

What are the 5 most common causes of homeowners insurance losses? The most common causes of home insurance claims, from an analysis of Travelers Insurance policyholders, are wind, nonweather water damage, hail, weather-related water damage and theft. Altogether, these five causes make up 77% of all homeowners insurance claims.

What are the four main things protected under homeowners’ insurance? A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability. If your home is damaged by a covered event, like strong winds, dwelling coverage can help pay to repair it.

Can you negotiate on home insurance? Is homeowners’ insurance negotiable? You cannot negotiate your homeowner’s insurance quote, but you can lower the amount you pay by taking a variety of steps—maintaining a good credit score, paying in full, installing protective devices, researching discounts, and more.

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