 HOMEOWNERS INSURANCE
A homeowners insurance policy helps protect one of your most valuable assets in case of loss. By working with you, we will advise you on apolicy that will give you the best, most effective cost coverage for your needs.
Benefits
Home Replacement Coverage - For homes insured for 100% of their replacement value, damage resulting from a covered incident will be repaired in full, even if the repair cost exceeds the policy limits.
Contents Replacement Coverage - Replacement cost coverage provides for the total replacement of your contents that are destroyed by a covered loss up to the policy limits, without any deductions for use or depreciation. Your deductible would apply.
Electronics and Valuables Coverage - You can add additional protection for your valuables such as jewelry, furs, stamp and coin collections, silverware, home computers, and cellular phones. Check with us regarding the limits of your homeowners policy, and if one or more of these additional coverages would be right for you.
Package Policy - By combining your homeowners or renters or condo coverages, your auto insurance, and your personal liability coverage all into one policy, you get additional protection through higher limits than with separate policies. And best of all, a package policy costs less than separate policies.
Plus, you have one helpful agent, one policy, one renewal date, and one bill.
And while you're thinking about it: don't forget your valuable items such as jewelry, coin and stamp collections and coverage for your boat.
Discounts
Some or all of these discounts may be applicable to your situation. Check with us to see which ones apply to you, and how much they will reduce the cost of your insurance. 
- Home sprinkler systems
- Fire and burglar alarms
- Smoke detectors
- Dead-bolt locks and fire extinguisher
 AUTO INSURANCE
Dependable coverage, outstanding service, and competitive rates are what we provide with your auto insurance. Our auto coverage will take care of you if your car is damaged or stolen, and provide liability coverage in an accident. That's what we offer. And in some places, you can extend this peace of mind with coverage options.
Benefits
Claims Hotline - Call us on our claims hotline at any time to report a claim, check on its status, or just ask us a question.
Package Policy - By combining your homeowners or renters or condo coverages, your auto insurance, and your personal liability coverage all into one policy, you can get additional protection through higher limits than with separate policies. And best of all, one package policy costs less than separate policies.
Plus, you have one helpful agent, one policy, one renewal date and one bill.
And while you're thinking about it: don't forget your valuable items such as jewelry, coin and stamp collections and some coverage for your boat.
Discounts
- Airbags
- Anti-lock brakes
- Automatic safety belts
- Driver training
- Multiple cars
- Anti-theft devices
Boat Insurance
our boat is a major investment and commitment, in time and money. You need the best protection - at a competitive price - for your investment.
With your policy, you're protected against direct accidental losses to:
- Your boat, attached equipment, and portable accessories
- Your boat's motor
- Your boat trailer
Condominium Insurance
Since your condo is probably the single most important investment you have, you need the best protection at a reasonable cost. With your policy, you'll get broad coverage for your condo and personal belongings. And take advantage of special discounts, too.
You can get special protection for valuable items, electronics and more at a very low cost. You can also combine your condo and auto insurance into a package policy that can provide extra coverage at a reduced cost.
Renters Insurance
As a renter, you need to protect your personal property against theft and damage. You also need to protect yourself from any liability that you may incur, for damage you may inadvertently cause to your rental unit. We can provide a renters policy that will cover these concerns at a low cost to you, as well as provide coverage for your valuable items and electronics.
You can combine your renters and auto insurance for big-time savings in a package policy -- see us for the details.
Personal Catastrophe Liability Coverage - Umbrella Policy
Accidents can happen at any time. Your neighbor could slip and fall on your pool deck, resulting in a lengthy hospital stay. Your child could hit a ball that breaks a neighbor's window or hits and injures the neighbor.
Without adequate insurance protection, accidents like these could result in a liability judgment against you, resulting in the loss of your home or other assets. Our umbrella policy provides personal liability coverage in these cases.
Our umbrella policy protects you, your spouse, and any relatives living in your household for up to $1 million or more -- over and above the liability insurance you have from other insurance policies.
Package Policy
By combining your homeowners or renters or condo coverages, your auto insurance, and your personal liability coverage all into one policy, you can get additional protection through higher limits than with separate policies. And best of all, a package policy costs less than separate individual policies.
Plus, you have one helpful agent, one policy, and one renewal date.
And while we're thinking about it: don't forget your valuable items such as jewelry, coin and stamp collections and coverage for your boat.
Important Note: This website provides only a simplified description of these coverages and is not a statement of contract. For complete details of coverages, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements.
B & B Coverage, Ltd.
1 E. Lincoln Avenue
PO Box 1210
Valley Stream, NY 11582
(516) 872-2300
(516) 825-2629 - Fax
rbrunell@bbcoverage.com
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