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Personal Insurance
In keeping with our pledge to be your one-stop insurance source, we have exceptional knowledge and skill for all your personal insurance needs. To help you protect all of your financial assets, we offer a full line of personal policies to provide extra security for you and your family. In addition to writing customized contracts designed to meet the needs of all individuals and their families, we manage time-consuming administration. Frankly, we just take care of it.
Personal insurance clients at Hiram Cohen & Son, Inc. receive:
- Wide variety of coverage levels and deductibles
- Discounts on multiple policies, when available
- Monthly, quarterly or annual payment plans
- Swift resolution of claims with assistance from our full-time claims department
- Polices from some of the most highly rated insurance companies in the marketplace
Homeowners
For most people, their home represents the single largest purchase made in their lifetime. Hiram Cohen & Son, Inc. works hand-and-hand with you and the insurance company to protect that investment through a variety of ways, such as looking after:
High-value items that require special policies or riders (e.g., jewelry, fine art, antiques)
Replacement value of your home?
We use our industry knowledge and connections to deliver the protection customers need at competitive rates. Some Homeowners policies include coverage for:
• Guaranteed replacement cost of your dwelling
• Reimbursement for your contents, even if you do not replace what was damaged or destroyed
• Additional Personal Liability
• Earthquake
• Flood
• Jewelry
• Fine art
• Furs
Condos and Cooperatives
Similar to buying a house, condos and cooperatives are a large financial investment. When deciding on coverage for these types of real estate, you need an agent who understands the fine details of your agreement. Unique to the New York City area, cooperatives are not treated the same as other real estate. Our professionals, along with the insurance company, have the knowledge to help you determine the specific coverage you need to provide the best protection.
Automobile
Our experienced auto underwriters take the time to learn about your needs and develop a policy combining competitive pricing with proper protection. From initial application to claims management, we deliver personal service instead of the impersonalized touch of dealing with someone at an 800 number. Automobile policies include, but are not limited to, the following coverages:
• Bodily injury
• Collision
• Comprehensive
• Medical
• No-fault
• Property damage
• Underinsured motorist
• Uninsured motorist
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