EverGreen Insurance Agency - Peter Schmidt

690 Route 211 E
Middletown, NY 10941

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Will my homeowners insurance pay for the repair of my foundation?

Homeowners insurance provides financial coverage for the repair and replacement of your home. However, a homeowners policy has firm guidelines regarding what’s covered. A typical policy provides coverage for damage caused by natural disasters like fire, hail, wind, lightning, and other forms of severe weather. A homeowners policy provides coverage for other forms of damage as well.

Our agents at the EverGreen Insurance Agency want our Middletown, NY customers to understand what’s covered by a standard homeowners insurance policy. 

What’s Covered?

A homeowners’ policy covers the repair or replacement of the exterior and interior of your home. It also covers the structures on your property and your personal belongings. The cash value to repair or replace your home or belongings is also covered. You also receive liability coverage as part of a standard homeowners policy. The liability coverage includes injury to others while on your property and damage to someone else’s property. 

Will My Homeowners Insurance Policy Cover the Repair of My Foundation?

A standard homeowners insurance policy will not cover all damage to your home’s foundation. For example, any damage that occurs under your foundation’s slab isn’t covered. Regular wear and tear on your foundation, and damage that comes from negligence, aren’t covered under your homeowners’ policy either. However, your policy will cover the repair of your damaged foundation above the slab. Any damage caused by vandalism, water, and fire is covered under a standard policy.

Give Us A Call

If you’re a Middletown, NY homeowner and you have questions about homeowners insurance, we can answer your questions. One of our agents would be happy to help you get the coverage you need. Contact us today.

Who needs to have home insurance in New York?

Those that are going to move to the Middletown, NY area will have various housing options to consider. When you are looking for a home, owning real estate can be a great long-term option. There are various benefits that come with owning a home, but some risks as well. A great way that you can mitigate some of these risks is by getting a home insurance plan. There are various situations when someone will need to have this coverage here. 

Who needs to have home insurance in New York?

Those Who Want to Cover Home

One situation in which you will want to have a proper home insurance plan is when you want to cover your home. Your New York home is likely going to be the most significant asset that you will ever own and protecting it is very important. When you have a home insurance plan, it will ensure you have the capacity to repair your property if it is damaged. 

Comply with Agreements

You also may want to have a home insurance plan to comply with agreements. Many people that purchase homes in this part of New York will finance it with a mortgage. If you do take out a loan, you will want to comply with the insurance provisions. In many cases, you will need to have a home insurance plan approved by your lender and payments may be escrowed. 

Those that are in the Middletown, NY area will always want to know that they have the right insurance in place for their homes. As you are looking for a proper insurance plan here, it can be a great option to start your search by calling the EverGreen Insurance Agency. The professionals with the EverGreen Insurance Agency understand the value of this insurance coverage and can ensure your home remains appropriately covered as they will help you build an ideal insurance plan. 

Hidden Home Insurance Facts

EverGreen Insurance Agency assists the Middletown, NY community. We are committed to helping our clients obtain the coverage they need to protect their assets. We have relationships with multiple carriers in the state. This allows us to offer flexible policies. We strive to simplify the process of obtaining coverage.

Hidden Home Insurance Facts

Your Middletown, NY property is one of your most prized possessions. Consider the benefits of home insurance. Home insurance is an asset because it protects your property during emergencies. If your home is damaged because of severe weather, home insurance covers both the interior and exterior. Your personal items inside the home are covered. This helps alleviate stress if you are the victim of burglary. Liability coverage protects you if someone gets injured on your property, or you accidentally cause damages to someone else’s property. If your property suffers extensive damage, you can amend your policy to add temporary living coverage. Temporary living coverage helps you find another place to stay until your home is repaired. Here’s a look at some hidden insurance facts.

Pet Activity Is Generally Covered

In most cases, any accidental damage that your pet causes to your neighbor’s property is covered in your home insurance policy. However, you may be denied if you have a high-risk pet that is prone to volatile behavior.

Home Insurance Travels

Home insurance may cover your personal items when you take them on the move. Perhaps someone breaks into your vehicle and steals something. Maybe you are going on vacation and some of your personal items are damaged. These are common situations when your home insurance may step in to help you replace or repair your possessions.

EverGreen Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about home insurance.

Things home insurance won’t cover

Homeowners count on home insurance to protect them from the risks all homeowners face. Home insurance offers a lot of different types of protection. It protects your content from many hazards, it gives you a safety net against judgments against you and it helps you to have a place to stay if your home is damaged. It doesn’t, however, protect against everything that can go wrong. At EverGreen Insurance Agency in Middletown, NY, we try to educate our customers about the things that home insurance won’t cover. 

Owner negligence

As a homeowner, the insurance company has the expectation you will maintain your home. That covers a lot of ground. It means you will replace your roof or repair it so it won’t cause damage to the interior of your home. It means you will fix an uneven board on your porch so guests won’t trip. It means you will get your home treated for termites so your home is not damaged. If you don’t do the necessary repairs and maintenance, you may find that your insurance won’t cover the damage. 


Floods are common natural disasters and getting even more common. They are not covered under a traditional home insurance policy. You need to have a dedicated flood policy to have the protection you need. 

Earth Movement

Several different kinds of disasters are considered earth movement. It means earthquakes, mudslides, and sinkholes. All of these need to be covered with an endorsement or a separate policy since they are excluded from the majority of home insurance policies. 

Always read your home insurance policy carefully so you are aware of any exclusions it has. 

When you are looking for a local independent insurance agent, EverGreen Insurance Agency in Middletown, NY is just what you need. Contact us when you have home insurance needs.

Middleton, NY Home Insurance: How to Find What You Need to Protect Your Investment

You spent a lot of time finding, financing, and purchasing your home. Why not invest in protecting it? Home repairs can cost thousands of dollars. And there are many different types of things that can happen to your home. Having the right amount of home insurance protects you from having to pay for these repairs from your own pocket. 

The EverGreen Insurance Agency can help you get the right home insurance for your home in Middletown, NY and the surrounding area so you can rest assured you are covered, no matter what happens.

Tips for Finding Home Insurance

When you start looking for a home insurance agency, keep the following tips in mind:

  • Look for an agent who understands your needs.
  • Make sure the agency you choose has a solid financial backing.
  • Look for online reviews on the agency and see what others think about their service.
  • Look for agencies with a fast turnaround on claims.

A good insurance agent will take the time to listen to you when you need home insurance coverage. They understand that there is no cookie-cutter pattern for insurance and that everyone’s home is different. 

Assess the value of your home before going to visit with your agent or calling them on the phone. This will give you a great idea about how much insurance you will need to protect your home investment. 


If you want an agent and a company that meets all of the above criteria, see your friends at EverGreen Insurance Agency and ask for an estimate. They serve the Middletown, NY area and they are happy to serve this area with all of the options you need to sleep better at night.

Summer home safety tips

Summer is a time for enjoying the sunshine and all the outdoor activities you haven’t been able to take part in during the colder weather. Making sure your home is safe during these warm months is important. At EverGreen Insurance Agency in Middletown, NY we are independent insurance agents with years of experience. We put our customers first and provide the information you need to choose the right insurance policy for your needs. 

Yard safety

Playground equipment in your yard is a hazard to your children and their friends. Make sure everything is in good repair and there is enough shock-absorbing material so no one gets injured if they fall off the equipment. 

Water safety

Double-check all access to any pool area. It should all be child-proof. Safety fencing is a must. Never allow a wading pool to sit with water in it when not in use, drain the water and turn the pool over. 


Trampolines are great exercise and entertainment for every member of the family. Having safety netting will cut down on the risk and making the entrance as inaccessible as possible when you are not at home helps keep uninvited visitors out. 


Grilling is part of summer dining. Used improperly charcoal grills are a danger for carbon monoxide poisoning. Make sure you use them in a well-ventilated area. Never dispose of coals until they have totally cooled.  If you are using a gas grill, turn off the gas when not in use and make sure to keep the grill away from the house to avoid damaging the siding. 


Summer is when many people leave for vacation. Secure your home before you leave. Get family to visit, arm your home security and stop your mail and newspaper delivery.

Enjoy a great summer and contact EverGreen Insurance Agency in Middletown, NY for all your home insurance needs. 

Why should I get home insurance?

Anyone that is moving to the Middletown, NY area should consider buying their own home. Those who choose to purchase a home in this area of the state will enjoy a variety of short and long-term benefits. Along with a home purchase, you should also spend time considering your insurance needs. You will need to get a home insurance plan for a few reasons when you buy a home.

Insurance Covers Property

A key reason that you need to have home insurance is that it will cover your property. There is likely never going to be a more valuable asset that you will buy than your home. At the same time, your home is where you would like to live for a long time. Due to your property’s importance, keeping it insured is important as proper insurance can give the protection you need if your property is damaged following a fire, bad weather, or other perils. 

Insurance is Required

It would be best if you also acquired home insurance as it will likely be a requirement. Most people that buy homes here will take out a mortgage to complete the purchase. If you have a mortgage outstanding, you will need to carry the proper insurance to comply with your lender’s home insurance standards. 

Having a good home insurance plan is always helpful to those that live in the Middletown, NY area. When you are shopping for your next home insurance plan, speaking with the EverGreen Insurance Agency team is a good option. When you call the team at the EverGreen Insurance Agency, you will learn a lot more about the benefits that this coverage provides. We can also give you the support that you will need to understand your insurance options fully. Contact our office to get started.