lowest home insurance quote is 2100 can get c-map coverage with a wrap around and umbrella for 1600 is this the better deal?
In NY lowest home insurance quote is 2100 can get c-map coverage with a wrap around and umbrella for 1600 is this the better deal?

l work for an insurance company in California. If your property is in California, l might be able to help you.
Let me know.

Thanks and good luck

It is important to know what state your in.

What does C-Map cover. l have never heard of it so l do not think your in California. Please post what state you in.

That umbrella does not protect the house, u know that, right? Only ur PERSONAL liabiltiy. And it will have a $300,000 deductible, or ''underlying requirement''.

If the issue is coastal property, u REALLY should be working with a local, independent agent.

CMAP only insures ur CONTENTS, not the building. That wrap around, covers ur building, through the state FAIR plan, for Basic perils only.

It is the absolute, minimum bare coverage u can possibly buy. Likely, it costs less than a homeowners policy. THATS BECAUSE IT DOESNT COVER MUCH. Fire, Lightening, Explosion. If an airplane hits ur house, do not look for coverage. If a tree hits ur house, ditto. If it is not fire, lightening, or explosion, do not bother trying to file a claim.

If u have a carrier willing to write a homeowners policy on ur house, & u do not want to pay $2100, sell ur house. Because you're more likely to have a non fire, uncovered claim, than a covered one, on that policy.

You really, really need an agent to explain this to you. If you're comparing a homeowners policy to a CMAP & wrap around, & asking which is the better deal, u r NOT equipped to compare coverages.

Home insurance covers lots of different things. l am not familiar with all the fine print of my home policy, but my home insurance agent is always a phone call away. Try contacting your agent or a homeowners agent in your area. http://easyhomeinsuranceguide.com They should be able to assist you.