Serving New York Since 1983
Protect yourself and your investments with the various insurance plans offered by Harris, Monti & McLaughlin. We specialize in providing the Monticello region with a wide variety of insurance options, all of which are available at highly affordable rates.
Our team has more than 75 years of combined experience in the insurance industry. We are fully qualified to assist you in any and all matters pertaining to the insurance field.
Call our insurance company in Monticello, New York, at 845-794-7050 for auto insurance, home insurance, and business insurance.
Our Services
Personal Insurance:
Auto
Homeowners
Renter/Condo
Mobile Home
Boat/Motorcycle
Umbrella
Business Insurance:
Business Owner Policy
Commercial Auto
Commercial Property
Commercial Umbrella
General Liability
Professional Liability
Workers Compensation
Reviews & Testimonials
Frequently Aksed Questions
Why is homeowners insurance a good investment?
Your home is likely one of your most valuable assets, and homeowners insurance helps protect it from unexpected covered losses. It can also provide liability protection and help cover temporary living expenses after a covered claim. If you’re looking for homeowners insurance in Monticello, NY, Harris, Monti, & McLaughlin Insurance Agency can help you find coverage that fits your needs.
Does homeowners insurance cover accidental fires?
Most homeowners insurance policies cover accidental fire damage to your home and personal belongings. If a covered fire makes your home uninhabitable, your policy may also help pay for temporary living expenses while repairs are being completed.
Can I have too much homeowners insurance?
It’s possible to purchase more coverage than you need, just as it’s possible to have too little. The goal is to have enough coverage to rebuild your home and protect your belongings without paying for unnecessary coverage. An insurance professional can help you determine the right amount.
Does homeowners insurance cover my furniture and clothing?
Most homeowners insurance policies include personal property coverage for belongings like furniture, clothing, electronics, and household items if they’re damaged by a covered loss. Coverage limits and deductibles will vary by policy.
What should I do if I have questions about my policy?
If you’re unsure about what your homeowners insurance covers, don’t guess. Understanding your policy before you need it can help prevent surprises during a claim. If you’re in Monticello, NY, Harris, Monti, & McLaughlin Insurance Agency is happy to answer your questions and review your coverage with you.
Does homeowners insurance cover my home year-round?
Yes. As long as your policy remains active and your premiums are paid, your homeowners insurance provides protection throughout the year for covered losses. It’s still important to review your policy periodically to make sure it keeps up with your needs.
Can homeowners insurance help after a major storm?
If your home is damaged by a covered storm, your homeowners insurance may help pay for repairs to your home and replacement of covered belongings. Depending on your policy, it may also help cover temporary living expenses if your home can’t be occupied during repairs.
How often should I meet with my insurance agent?
It’s a good idea to review your homeowners insurance at least once a year or anytime you experience a major life change, such as completing renovations or purchasing valuable belongings. Homeowners in New York can also benefit from reviewing their policy when local building costs increase.
Does homeowners insurance cover attached structures?
Yes. Attached structures, such as an attached garage, deck, or porch, are generally covered as part of your home’s dwelling coverage if they’re damaged by a covered peril. Be sure to review your policy to understand your coverage limits.
What's the best way to find the right homeowners insurance?
The best homeowners insurance policy is one that provides the protection you need at a price that fits your budget. Comparing coverage, deductibles, and available discounts can help you make an informed decision. If you’re shopping for homeowners insurance in Monticello, NY, Harris, Monti, & McLaughlin Insurance Agency is here to help you compare your options.