Homeowners and Renters Insurance

An Important Package of Protection
homeownersYour homeowners insurance is a hard-working policy. It’s a package policy that combines many different important coverages – both property protection and liability insurance. As in many areas of insurance, you should make sure you have the right type and amount of protection, not just the least expensive policy available. At Sellers & Co., we represent several highly rated homeowners insurance carriers and can help you determine which of these carriers offers protection best suited to your needs.

What Does Homeowners Insurance Cover?


  • Dwelling Coverage (Coverage A)

 This is the coverage for your home and any attached structures, such as a garage. You should purchase coverage in an amount sufficient to replace your home in the event of a total loss. This is not the same as your home’s market value.

  • Other Structures (Coverage B)

 This is coverage for other detached structures on your property (such as a detached garage or shed). This is generally included as a set percentage of the Dwelling Coverage (such as 10%).


  • Personal Property (Coverage C)

 Coverage C protects your personal belongings, such as your furniture, rugs, electronics, and clothing for a covered loss. This is automatically included as a percentage of the Dwelling Coverage. If you have replacement cost protection, this is generally a higher percentage. It can be increased if necessary. Some types of possessions (such as silverware, jewelry, furs, or guns) may be excluded from coverage or have a limited amount of coverage. You can generally add coverage for specific collections (fine arts, jewelry, etc.) with a Personal Articles Floater policy or by scheduling it on the policy.


  • Loss of Use (Coverage D)

 This pays for reasonable living expenses if you cannot live in your home because of a covered loss, such as a fire, up to your policy’s limit for this coverage.


  • Liability (Coverage E)

 This is a critically important part of your homeowners coverage. It provides you with a legal defense against a liability claim, and then covers (up to the policy limit) a judgment against you or a settlement that is covered by the policy. For the professionals we insure, it is important to make sure you select adequate liability limits as you can be a target for personal injury lawsuits.


  • Medical Payments (Coverage F)

 This is a no-fault coverage that pays medical bills for someone injured at your home or for an injury caused by a member of your household.


  • Other Optional Coverages and Enhancements Available

 You can further customize your homeowners policy to your specific needs by adding coverage enhancements and options that provide extra coverage.


Don’t Forget About Renters Insurance!

If you rent your home or apartment, you need renters insurance. Here’s why. 


First, renters insurance will cover your personal belongings in case of a covered loss, such as a fire or theft. (Imagine the cost to you if you had to replace your belongings without insurance!) Second, renters insurance provides personal liability coverage, which protects you in case someone claims that you are responsible for certain types of personal injury, such as a slip and fall in your apartment. We’ve helped many people, including many resident physicians, obtain this important coverage.


We Also Provide Condominium Insurance
This is another form of homeowners coverage. Call our office for details.


The Sellers & Co. Advantage

At Sellers & Co., we help many professionals and their families obtain homeowners insurance. Our experience in working with professionals equips us to help you make sure your home is properly insured and that you have adequate levels of liability coverage. Many professionals tell us that they like being able to insure their home and auto with the same agency that they trust for their disability, life, and business insurance. Our top-notch service extends to our homeowners and auto insurance customers as well.


Travelers Benefits Plus Personal Lines Program
For Members of Our Sponsoring County & District Medical Societies


With Travelers Benefits Plus Program, you receive the high quality coverage and claims service provided by Travelers, along with discounts based on your membership in your County/District Medical Society!

  • 7% Discount on Homeowners Insurance
  • 5% Discount on Auto Insurance

 Another reason that your County/District Medical Society membership doesn’t cost – it pays!

(Information provided is a summary only.  For complete terms and limitations, please refer to the applicable Certificate or Policy of Insurance.  Specimen copies available upon request.)

  • "Recently I have had to use your disability insurance. The process was smooth and swift - the personnel were responsive and caring."

    AF, Physician, New York, NY

  • "I also have disability policies with some other companies, and I would like to emphasize that the caring and consideration afforded me by the Sellers Agency was markedly better."

    SB, Physician, Brightwaters, NY

  • "I had to use the Benefits once, and Your Company is unreal! The best experience I've ever had!…You people are there before and after!!"

    GN, Civil Service Employee, Corfu, NY

  • You are very efficient, courteous, and pleasant to deal with. Don’t change!”

    SM, Physician, New York, NY

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