Property Insurance

Protect Your Home and Lifestyle

McCarthy Insurance provides comprehensive homeowners, condo owners, and renters insurance coverage to individuals and families.

Homeowners Insurance

McCarthy Insurance provides complete homeowners insurance products and services to individuals and families. This includes comprehensive policies for single family homes, multi-family homes, condominiums and co-ops.

McCarthy Insurance can provide you a fast, affordable, no-obligations, homeowners insurance quote. Be sure to mention the following situations which may qualify you for a discount:

New Home
Multi-Policy – Auto, Home
Renovated Home
Higher Deductible
Rural Rating
Smoke Alarm / Central Alarm

Condo and Co-op Owner Insurance

McCarthy Insurance provides comprehensive renter insurance and condo owner insurance coverage to individuals and families.

Condo and Co-Op Unit owners need to consider is how much coverage you need at Replacement Cost to replace your belongings. Critically important factor is to completely understand how the bylaws are set up.

Be sure to review the Master Policy insurance terms:

Walls in Protection.
Additions & Alterations protection for the unit owner.
For Town Homes you may need to insure the complete structure.

Special coverage is available for Jewelry, art work and extending coverage to rental properties or vacation homes.

Renters Insurance

Unfortunately, many people don’t consider renters insurance until they experience a loss. Don’t get caught off guard! As a renter you need to protect your personal property and assets.

The two biggest questions of renters insurance are:

Q: Are my personal contents are insured by my landlord’s policy?

A: No. A landlord’s rental property insurance does NOT cover tenants’ personal contents.

Q: Since I don’t own my own house, do I still need personal liability protection?

A: You are responsible for your own actions and the actions of your spouse and children, regardless if you own the property in which you reside.

Examples of renter liability:

If a tenant’s negligence results in a fire, the tenant can be held liable.
If you accidentally hit someone with a golf ball, you can be held liable.
If your child knocks over a neighbor’s treasured Hummel collection, you can be held liable.
If you serve on a volunteer board (education, PTA, fire company, etc.), you can be held liable for the decisions and actions you take.

Personal Umbrella Insurance

Don’t Forget Your Umbrella When It Rains. We can all use another safety blanket, just like the one used by Linus, Charlie Brown’s friend. We live in a world that promotes litigation, and it’s critically important to protect yourself, your family and your business from unforeseen lawsuits.

Your basic auto insurance, home insurance liability will provide you with a good base of lawsuit protection. But is it enough? Can you be sued for more than that basic coverage? The answer is an affirmative YES!

Call or email us today. We can show you how affordable it is to increase your legal shield against incidents like this:

Your pet schnauzer bites the neighbor’s daughter, causing permanent facial damage.
Your errant golf shot hits the mayor in the local charity outing.
The old Honda’s brakes give out and you accidentally hit a pedestrian at the mall.
At the weekly baseball game, your child flips his bat after launching a home run, and accidentally injures fans in the stands.
The July 4th bash at your home ends abruptly when the wood deck on your house collapses, sending partiers to the local hospital with injuries.