Your home may have changed.
A renovation, a new roof, or a home office can change the conversation. Bring your current policy and let’s review what is covered.
A LOCAL PERSPECTIVE. A FRESH LOOK.
Your home deserves
a second look.
You’ve put a lot into your home.
Let’s make sure your insurance keeps up.
Explore your homeowners coverage with Jenny Salazar at Oxford Millin Insurance Agency. Understand what you have, what may be missing, and what your options could be.
Long Island, NY
YOUR HOME. YOUR QUESTIONS.A real conversation.
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A personal approach to protecting what matters.Jenny SalazarInsurance Broker · Long Island, NY
Coverage you can understand
A closer look at the details
A person to talk it through
BEFORE YOU RENEW
A familiar policy.
A fresh perspective.
Renewing is easy. Knowing whether your coverage still fits takes a closer look.
Let’s review my policy
The price is only part of the picture.
Compare limits, deductibles, exclusions, and optional protection alongside the premium. A lower price may come with different coverage.
Small details can make a big difference.
Ask how a claim would be settled, what you would pay out of pocket, and whether special limits apply to your belongings.
HOMEOWNERS INSURANCE, MADE CLEARER
Protect the place.
And the life inside it.
A homeowners policy brings several types of protection together. Knowing what each part does is a good place to start.
Your home
& other structures
Review the cost to rebuild, plus protection for detached structures such as a garage or shed after a covered loss.
ASK ABOUT“Does my dwelling limit reflect today’s rebuilding costs?”
Your belongings
& everyday essentials
Personal property coverage may help replace damaged or stolen belongings. Claim payments and limits depend on your policy.
ASK ABOUT“Is this replacement cost or actual cash value?”
Your liability
& a place to stay
Review personal liability protection and additional living expenses if a covered event makes your home uninhabitable.
ASK ABOUT“What limits and conditions apply if I need to use this?”
On Long Island, the water conversation matters.
Standard homeowners insurance generally excludes flooding. Water backup and storm deductibles deserve their own review. Ask about separate flood coverage and available endorsements.
Read the New York DFS coverage guideMEET YOUR BROKER
Hi, I’m Jenny.
Let’s talk about home.
Insurance should start with your questions.
As an insurance broker with Oxford Millin Insurance Agency, I can help you take a closer look at your homeowners insurance and explore your options.
Whether you’re buying a home, approaching renewal, or simply wondering what your policy actually covers, start with a conversation.
Jenny Salazar
Oxford Millin Insurance Agency · Long Island, NY
CLIENT PERSPECTIVES
In their own words.
A SIMPLE PLACE TO START
Three steps.
A clearer picture.
No need to have all the answers before you reach out.
Tell me a little about your home.
Start with a few details and what you’d like help with.
Let’s look at your coverage.
Have your declarations page ready for the conversation. We’ll discuss your limits and questions.
Make an informed decision.
Review available options and decide what makes sense for you. Requesting a quote does not change your policy.
YOUR NEXT CHAPTER STARTS HERE
Let’s give your
coverage a
closer look.
Buying, renewing, or just curious?
Start your homeowners insurance request.
Request a quote
STEP 1 OF 2A FEW GOOD QUESTIONS
Before we talk.
Some useful answers to get you started.
Why get a second opinion if I already have insurance?
It can help you check whether your limits, deductibles, and optional coverages still fit your home and priorities. A review may confirm your current approach or identify something worth changing. Savings are not guaranteed.
What should I have ready for a policy review?
Your current declarations page, renewal notice, and a list of home improvements or questions are useful. Jenny can explain what additional details are needed and how to share documents securely.
Does homeowners insurance cover flood damage?
Standard homeowners insurance generally excludes flood damage. Separate flood insurance may be available. Water backup is also a separate question; ask which endorsements and exclusions apply.
Is my home’s sale price the same as its rebuilding cost?
No. Market value includes factors such as location and land. Rebuilding cost reflects what it would take to reconstruct the home. Review the estimate and policy requirements with your broker.
Does requesting a quote change my current coverage?
No. Requesting information does not change or bind a policy. Keep existing coverage in place until any replacement has been confirmed and effective dates have been coordinated.