Home Insurance in Putnam County, NY
John Lepore Agency offers outstanding home insurance rates to homeowners in Putnam County, including Carmel, Kent, Patterson, Philipstown, Putnam Valley, and Southeast. We serve the county from our office in Rockaway Park by phone, text, and upload. Call 855-945-1900 or send your current policy for a rate.
What's different about home insurance in Putnam County
$471,300, compared with $596,900 in Rockland County.
Your dwelling limit should reflect what it would cost to rebuild, which isn't the same as market value.
83.8%, compared with 67.9% in Rockland County.
If you rent out part of your house, tell us, because it can change the policy you need.
373 federal flood insurance claims, with $5.4 million paid.
Source: FEMA flood insurance claims
about 1 in 160 residential buildings, or 0.62%, as of August 2026.
Hurricane Irene, 51 claims and $0.9 million. Hurricane Sandy, 19 claims and $2.1 million. The July 2023 flooding, 25 claims and $1.0 million.
Source: FEMA flood insurance claims
Types of home insurance policies in New York
| Policy | What it generally covers |
|---|---|
| Basic (HO-1) | Your home and contents against listed perils, such as fire, windstorm, theft, and vandalism. Very few insurers sell this type. |
| Broad Form (HO-2) | The basic perils, plus others such as falling objects, the weight of ice and snow, and frozen plumbing. |
| Special Form (HO-3) | The most widely used policy. It covers your home for all risks of physical loss except those excluded, such as flood and earthquake. A mortgage lender may require it. |
| Comprehensive (HO-5) | The same protection for your home as Special Form, and your possessions are also typically covered for all risks except those excluded. |
| Market Value | A modified Basic policy, generally used when replacement value exceeds market value, as with some older homes. |
Example: home insurance for a Mahopac house
Say you own a house in Mahopac with a finished basement and a mortgage. We'd start with a Special Form policy, check the dwelling limit against what it would cost to rebuild, and go over how the policy treats water in the basement. Flood takes a separate policy. We'd also look at your liability limit alongside your auto policy, and whether an umbrella policy makes sense.
Home insurance questions in Putnam County
Does home insurance cover flood in Putnam County?
No. Flood is excluded from standard homeowners policies, so it takes a separate policy. A flood policy normally takes effect 30 days after you buy it.
Which type of home insurance policy is most common in New York?
The Special Form policy, also called HO-3, is the most widely used in New York.
Does a package home insurance policy cost less?
New York's Department of Financial Services says a package policy is generally less expensive than buying the coverages separately. Standard homeowners policies are package policies.
What do I need for a home insurance quote in Putnam County?
Your current policy if you have one, or your address and a few details about your home.
Do you have an office in Putnam County?
Our office is in Rockaway Park. We serve Putnam County by phone, text, and upload.
Putnam County homeowners: send a photo of your current policy for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.