Call Us 631-727-4114 ☰ ˟
Lupton & Luce
Call Us: 631-727-4114 Client Login
  • Home
  • Our Products
    • Personal InsuranceImage of right arrow
      • Automobile
      • Auto Liability
      • Collision
      • Comprehensive
      • Underinsured/Uninsured Motorist
      • Boat
      • Condominium
      • Flood
      • Homeowners
      • Homeowners Property Coverage (Dwelling Coverage)
      • Homeowners Liability
      • Life
      • Motorcycle
      • Personal Article Policy
      • Personal Umbrella
      • Renters
    • Commercial InsuranceImage of right arrow
      • Auto Repair Shop
      • B & B Programs
      • Business
      • Builder's Risk
      • Contractors
      • Commercial Auto
      • Cyber Liability
      • Disability
      • Emergency Services
      • Gas Station
      • General Liability
      • Wineries & Distilleries
      • Workers Compensation
  • Get A Quote
    • Automobile
    • Boat
    • Business
    • Disability
    • Flood
    • Homeowners
    • Life
    • Motorcycle
    • Renters
  • Make a Payment
  • Resources
    • File a Claim
    • Frequently Asked Questions
    • Join Our Newsletter
    • Hurricane Preparedness
    • Helpful Links
    • Refer a Friend
  • Blog
  • About Us
    • About Us
    • Community Involvement
    • Our Employees
    • Our Office
    • Our Partners
    • Our Reviews
    • Privacy Policy
  • Contact
Auto Insurance

Auto

Let us customize your insurance for the best possible price.

Learn More
Home Insurance

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Insurance

Business

Customize your business insurance for peace of mind.

Learn More
Life Insurance

Life

Let us help you protect you and your loved ones for years to come.

Learn More
Home > Homeowners Property Coverage (Dwelling Coverage) | Riverhead NY & Suffolk County NY | Lupton & Luce Inc.

Homeowners Property Coverage (Dwelling Coverage) in Riverhead, NY and throughout Long Island, NY

When insuring your home, the first thing you think about covering is the house itself. If you want to be able to repair or rebuild it after a hazardous accident you’ll need dwelling coverage. 

What’s Dwelling Coverage? 
If you own a home, then you need homeowners insurance. Your dwelling coverage—also known as property coverage—falls within this policy. It’s the part of your policy that specifically protects your house. On many policies, it’ll also cover certain other structures on your property, like sheds or detached garages. 

With dwelling coverage, you’ll be able to repair your home when it gets damaged by covered events. Your policy might extend to damage caused by: 

  • Fires

  • Vandalism or Theft

  • Severe weather, including lightning, hail and wind or snow

  • Burst pipes (for weather-related floods, you’ll need flood insurance)

  • Falling objects


Remember, policies vary. Some will cover each type of damage differently. Others will not pay for certain damage. Talk to your agent about the best way to establish appropriate coverage. 

How Much Coverage Do You Need? 
Think about a traumatic event like a tornado striking your home. If your home has damage beyond repair, you’ll need to rebuild. Therefore, you’ll need to make sure your insurance policy can provide you with enough funds to rebuild from the foundations to the roof. 

You’ll need to get high enough limits for the full cost to rebuild your home. Remember, this is different than the price you would get selling the home. This is the cost of materials, labor, fixtures and more. Talk to a local appraiser or contractor to get an approximate value on rebuilding at today’s costs. 

Remember, in many cases, you have to carry homeowners insurance as long as you have a mortgage. Ask your insurance agent, realtor or loan holder about the best type of coverage for you. 

Contact us today 
Don’t hesitate to get a quote on a home insurance policy right now! Contact us at 631-727-4114 or request an online quote. 

You may also be interested in…

Get In Touch!
631.727.4114

Contact Us
Facebook Twitter Logo LinkedIn Instagram

Resources

  • Get A Quote
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • DO NOT SELL

Contact Us

225 Howell Ave., Riverhead NY 11901
P: 631.727.4114 | F: 631.727.7138 | E: info@luptonandluce.com
© Copyright 2023. A Division of Patriot Growth Insurance Services, LLC. All rights reserved. | Powered by Insurance Website Builder