Home Owners’ Insurance

As one of the most prized possessions of your life, your home needs insurance coverage that protects you from all types of unforeseen and/or unfortunate events.

Your Homeowner’s Insurance Policy will cover the following (amongst others):
  • Damage to your home, and other structures on your property
  • Personal property, such as furniture and other household items
  • Fire and smoke damage
  • Theft and vandalism
  • Personal liability coverage in case someone gets injured on your property
  • Loss due to fire and explosion
  • Loss due to water damage

 
A traditional homeowner’s insurance policy does not cover all natural disasters such as floods and earthquakes. Whether you reside in a flood zone or not, you should consider flood insurance.

Homeowners Information: Before getting an insurance quote, there is some additional information you may need to know:

Replacement Coverage: This ensures your properties would be covered with its actual cash value, which excludes the deduction for depreciation. This applies unless the replacement cost exceeds your policy limit.

Guaranteed Replacement Coverage: This is an insurance policy with no limit on the coverage for dwelling. It covers the entire cost of repairing and replacing your damaged properties.

Actual Cash Value Coverage: Under this policy, insurance company would only pay the cost minus depreciation of your damaged or stolen properties.

When you choose us as your insurance provider, you will get:
  • Reliable advice
  • Fast, hassle-free processing
  • Responsive customer service
  • Regular updates on important issues related to your policy

 
Find out how Djam Insurance can meet your individual insurance needs. Fill out our no-obligation Quote Form, or call us now.

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You need insurance coverage, be it to protect your home, auto, business, the future of your loved ones, or a variety of other needs. Schedule an appointment today with our insurance expert.

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About DJam Insurance

Djam Insurance Brokerage Inc. is an independently owned storefront in the heart of Queens, New York. We have 25 years experience where we strive in taking care of what is important to you.

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You guys have cut our health insurance premiums substantially while providing us better coverage. I couldn't have asked for a better deal!

- John Rambo, Flushing, NY

I would like to thank you guys for helping me get my home insured. I now feel protected. Great offering, competitive pricing, excellent service!

- Mike Foster, Flushing, NY

I wanted to take the time to THANK YOU for all that you have done for me over these past two weeks! You are amazing and always recieve my highest recommendation and praise!  You are an amazing person who really cares about her clients, that is so rare these days and I just really wanted to thank you for all your help and support! It means alot to me!

- Mary, Queens, NY

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