Homeowners Insurance
Your Guide to Homeowners Insurance
Depending on the company, you can find yourself paying very different prices for your homeowner’s policy. This can make finding the right policy daunting, as it’s already a seemingly complicated process and finding the policy that will provide coverage in case of an issue is extremely important. Here are a few tips we recommend to get started correctly:
- Shop around – learn what your options are and be picky.
- Raise your deductibles if needed
- Buy home and auto policies from the same company
- Check a home’s insurance cost prior to purchase
- Don’t insure your land
- Increase your level of home security
- Stop smoking! It’ll help lower risk
- Check your policy minimally once a year
Around how much should I buy?
Minimally, we recommend that you insure for 100% of rebuilding costs, that you look into flood insurance (especially true if you’re in a flood zone!) and that you ensure that your policy covers replacement costs in case of structural damage or the like. When these things are covered, you can add additional coverage as needed while still knowing that the basics are covered. Always make sure to keep your agent updated on any improvements, adjustments, or additions to your home to ensure that you’re appropriately covered.
Your policy has limits. Know them.
There are limits to Homeowner’s policies, and it’s important that you’re aware of these limitations PRIOR to anything happening so that you’re never caught off guard. You can normally find the limitations in Section 1, Personal Property, Special Limits of Liability. If you have expensive items such as artwork, family heirlooms, furs, jewelry, etc., make sure that they are also covered in case of something happening.
Tip: Don’t solely consider the price. In addition to getting covered, getting excellents service is a key factor in being covered as well. Even if you’re paying a little more, peace of mind and comprehensive coverage in the case of a disaster can be truly priceless.
If I have home security, can I reduce my insurance costs?
Insurance companies can offer some significant discounts for individuals who take part in their home security. For items like deadbolts, alarm systems, and smoke detectors, you can usually find a discount of about 5%. For more intensive home security, you can cut your premium by 15-20% in some cases. These are great ways to lower costs while reducing risk.
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Hear From Our Clients!
Steve gave my husband and I great advice! He is extremely knowledgeable and was able to explain thoroughly his suggestions and how they would impact us. We are both extremely thankful and will absolutely continue our working relationship with Steve!
carissa carroll
Steve has been my accountant for the last 13 years as well as my sisters. I came to Steve after not being satisfied with a former accountant that I used for several years. Steve has helped me tremendously with my investments as well as his guidance with the sale of my investment property. I highly recommend Steve Lissner & Company to anyone looking for an outstanding accountant. Thank you Steve and your staff for the many years of helping me and my family.
Angela Fresolone
Very satisfied with my experiences! Steve and the whole team at Steven Lissner & Company are professional, informative, and easily approachable. They truly understand their client's concerns and are very responsive to questions. They are more than just my tax accountants, they are part of my success team 🙂
Mary Kennedy
Accountants like Steve are incredibly rare. It’s almost unheard of these days to find someone who takes the time to sit down with you, speak to you like a real person, and genuinely loves what they do. I’m so glad I found Steve’s firm—everyone from Sandy at the front desk to his entire team is exceptional. You truly won’t find better. HIGHLY RECOMMEND!
Jesse A
I’ve been searching for an accountant who is not only professional but genuinely cares about understanding and helping with the unique needs of my business—and I’m happy to say I’ve found that in Scott Lissner and his team.Scott took the time to truly understand how our business operates. He thoroughly reviewed all the documents we sent over and even improved an Excel file that, until now, only my wife could make sense of! Most importantly, he guided us through our first S-Corp filing with clarity and confidence.Scott and his team are incredibly knowledgeable, responsive, and supportive. I can’t recommend them highly enough!
Ami “CompuNET Tech” DaSilva
Steve Lissner has been our accountant for over 25 years. He and his wonderful staff have helped us tremendously both with our personal and business taxes. We have recommended him to our family and friends and they all still love and use him. We really appreciate his expertise and he's always available to answer a question. We wouldn't use anyone else.
Lorraine Lombardi
We came to Steven Lissner and company after using a tax preparer for many years; that experience left us wanting. Steven and his team ushered in an entirely new and welcome experience in tax preparation and accounting. His professionalism, attention to detail, and vast knowledge in the field (based on years of experience) made us feel right at home. We are small business owners and Steven and his team have eased our burdens and have given us great confidence in all matters pertaining to tax liabilities and reporting, and navigation often tricky tax laws.We really wish we found Steven sooner. One of the best decisions we've made for our business!
M. Greeley
I couldn't be more satisfied with the exceptional service provided by Sandy, Cathy McNanna, Steve and the entire team at Steven Lissner & Company. From the very start, they have been incredibly professional, knowledgeable, and approachable. They possess a remarkable attention to detail and have consistently demonstrated an in-depth understanding of tax regulations and financial strategies. They have consistently given me the best advice for both my personal and business finances. Their proactive communication and timely updates have given me peace of mind, knowing my finances are in expert hands. I wholeheartedly recommend their services to anyone seeking a reliable and insightful accounting professionals!
Sasha Novoa (NJ Sea Dragons Swim Club)
Really glad I went with Steven Lissner & Company this year. They made the whole process super easy and took all the stress off my plate. Everything was handled quickly, they were available to answer any questions I had and overall super talented at what they do. Highly recommend if you’re looking for a team that’s reliable, sharp, and easy to work with.
von walker
We've been using Lisner for the past several years and are very pleased with the advice and service we have received.Scott Lisner is the one who handles us. He is extremely thorough and points out items that I might have overlooked in the past preparing my own return.Tax time is no longer aniety time for us!!!I would recommend them to anyone.Jack
Jack Mesagno
Steve has been my accountant as well as my parents for many years. He is the best of the best! A top notch expert, meticulous attention to detail, responsive and always helpful. I highly recomment him and his accounting firm.
donna m
Scott has taken care of me for the last 2 years, making filing taxes easy! Even with out-of-state taxes and major life changes. Everything is always incredibly organized and professional.
Lynda Ross
Knowledgeable and astute accountant. Staff —friendly and very helpful. My wife Lucille and I highly recommend the Lissner accountant firm. Bruce Pitman
Bruce Pitman
I have been filing with Steve (and Cathy M.) for the past 5 years. Their service is top-notched. Very professional and great to work with. You won't regret working with them. Highly recommend!
Derek Liu
My husband & I has used Steve Lissner for sometime now & we feel his company does a though job with filing our tax returns. We retired to Maryland & we were pleasantly surprised that he is licensed in Maryland too!Wendy & Don W.
Wendy Wharton
Steve had been our accountant for many years. He is extremely knowledgeable and he and his staff are a pleasure to work with. We highly recommend him and his team.
Jane Sherman
This year was my first time having Steve and his team prepare my 2024 tax returns. I couldn’t be happier! They were friendly and responsive and submitted them in record time.
Debbie Gubernat
My first time w/o TurboTax and it was a breeze with Lenny Fuhrman. Thorough, friendly and capable. I definitely felt like I was in good hands
Richard Sherman
Scott has been doing my taxes for the past few years! Very professional always there to answer my questions! Reasonable rates! Wouldn’t go anywhere else!
Margaret Smith
I can't recommend Steven Lissner & Company LLC enough! From start to finish, working with Steven and his team was an absolute pleasure. They were incredibly responsive and always made sure to answer any questions we had—no matter how small. Every time we reached out, we received clear, thoughtful explanations that put our minds at ease. The level of service and attention to detail is unmatched, and it's evident they truly care about their clients' needs. If you're looking for reliable, professional accounting services, Steven Lissner & Company is the way to go!
Shira Gonzalez
Steve and Cathy are wonderful to work with. They make tax season as pain-free as possible. They pay attention to details and ensure your filing is optimized while done with the utmost integrity. They take the time to explain all aspects of the return(s) and are always available to answer questions as they arise (before, during and after the return is complete). I cannot recommend Steven Lissner & Company more for a comprehensive and thorough tax return as well as financial planning advice.
Laura Romeu
I’ve found Steve and his team to be very knowledgeable, responsive and personable. I have used their firm for a number of years and have always been satisfied.
Andy
I went to see Steven Lissner today for the first time and I can confirm that he will be my new CPA moving forward. Steven is very knowledgeable, honest, and professional in every way. He gave me confidence regarding my tax preparation and I look forward to having him do all of my tax returns. His office is also very welcoming and everyone working there are very nice. I highly recommend him to anyone who may be in need of a CPA. Thank you again Steven for all your help!
HR HR
Steven Lissner & Company prepared several returns for me earlier this year. This was the first time I used a CPA to prepare my taxes, as I have always done them myself. Steve and his team were very personable and easy to work with. Their secure client portal provided me with comfort in sending confidential information. I plan to work with Steve and his team for a long time and highly recommend them to anyone seeking a high-quality service delivered with a personal touch.
Martin Cauz
Great experience - we're a new client and Steve took the time to fully walk us through our tax questions and needs. Looking forward to working with them for years to come!
Jamie Johnson
My family feels cared for beyond tax season. There was a lot of un-clocked time spent in helping my family with a private sensitive financial issue. We highly recommend this company :0)
Kathryn Pommnitz
THE BEST!! Steven Lissner & Company is an outstanding accounting firm. Every aspect of our interactions have been top notch. Communication, truthfulness, helpfulness. I was also super impressed with their convenient and efficient system of being able to easily upload tax documents. Wonderful experience! I highly recommend I could go on. I'm totally delighted and thoroughly impressed. If you’re in need of some great accountants, look no further!
Y K
Outstanding service. Second year using this firm, and the service just keeps getting better and better. Everyone is extremely helpful and responsive. Handle my personal and small business. I would give them 10 stars if possible. Not one negative thing to say.
Tom McNulty
Working with this CPA firm, specifically Leonard, is an absolute pleasure. They handle the tax preparation for six trusts I oversee from my residence in Florida. They are thorough, efficient, organized and very knowledgeable. For ten years, I've been impressed and delighted with their service.
Thomas Pagano
Wonderfully quick and pleasant experiences three years in a row! Cathy is so sweet and personable and really makes the tax process painless.
Alicia Long
We have been using Steve and his staff for over 20 years. Always outstanding, timely and efficient work. Any questions are answered quickly. We are rest assured that our taxes are done correctly. Highly recommend!
DESIREE COUGLE
Steven Lissner is hands down the best accountant. Caring, professional, best guidance. I wouldn't trust anyone else!!
Hillary Wiegand
OUTSTANDING service! Knowledgeable, trustworthy, understands clients’ needs, (both present & future), is alway available when I have a question. I found Steve through referral sources & am grateful I found him. His staff is always courteous & on target, too.
Maria Mazzone
My wife and I recently had a consultation with Steven, and it was fantastic. He took the time to truly understand our needs and provided exceptional service. We would highly recommend him to our friends and family without hesitation!
Julio Nieves
Steven Lissner & Co have done my small business and personal.accounting for more than a decade. They always offer personal service with thoughtful advice, careful and honest preparation I can stand behind, reasonable rates and more patience than I deserve when I submit my information close to the deadlines. I’m.glad.to have the chance to recommend.them.
stephen rathe
We've been going to Steve for years and it is always great to work with, very professional and always get it done in time for us.
Eric Hufschmid
Our accountant retired and recommended Stevens firm. They are great! Very happy!
Nick Ferrotti
Been doing my taxes with Steve for years and never had any issues.
Bill Arroyo
Steve and Lenny did an outstanding job of preparing our returns this year that involved tax issues in three states. We have been clients of Lissner and Company for about ten years. Steve is also available to provide tax guidance and advice during the year. Virginia Clark and Bill Irwin recommend Lissner and Company without reservation.
Bill Irwin
This firm is simply the best. They patiently answer all your questions and take care of everything in a timely manner. Why go anywhere else?
Marc Shapiro
Steve has worked for us since 2013 and we are very satisfied. It's not just in preparing the returns; it's being responsive to questions during the year. We will continue to use him in the future.
Mark Jay
Steve and his staff do a stellar job with our taxes every year and this year even took on our two LLCs. He explains everything clearly including what we need and what we’re missing. Steve has been the accountant for my three older siblings for many years and we’ve been going to him for about 10 years. We live an hour away, but are able to electronically send our documentation seamlessly. If you make the change to Steve Lissner, you’ll be glad you did.
jeannebean66 (SEL by Jeannie)
Steve and Cathy are wonderful to work with. They take the time to make tax season as pain-free as possible. They pay attention to details and ensure your filing is done with the utmost integrity.
Laura Romeu
I’ve been with Steve and his firm for 10 yrs now, they have always been extremely knowledgeable on any tax situations that I have had.
Paul Ferrone
Great People here! Steve really knows his stuff. Always very professional, thorough and diligent, yet comfortably hospitable and friendly! Great looking Office Aquariums too!
Joshua Topp
I have been with this company for 25 years. The Best CPA Services Ever!!! Thank You Steve and The Team! Truly appreciated everyone for your excellent services. God Bless You All.
Joe Sutthasinwong
Steve is a trustworthy professional who I've relied on for over a decade, through cross-country moves and many life changes. He's always prepared our returns promptly and thoroughly, and has responded to any question I've had--whether in tax season or not--in short order. Highly recommended.
Ravind Grewal
Steve has been working with our family as the CPA for years now. He’s extremely knowledgeable, trustworthy and flat out good at his job. As long as Steve is in business, I won’t go to anyone else. Highly recommend.
Pat Gonabe
Steve has proven to be extremely helpful and professional throughout the years. Members of our family with varying financial needs continue to be well served by his firm. Steve and his staff are attentive and responsive to our needs, and we remain highly satisfied and confident in their services. We highly recommend him without reservation!
Benny Castillo
Steven has been doing our taxes for over 20 years. He is excellent and we are always very satisfied with the services and the fees. I have recommended him to family and friends, who are also very satisfied. He is an excellent account, extremely knowledgeable and very kind. As his business has grown we have dealt with his staff who are also excellent and very friendly. You won't find a better accounting service anywhere. I highly recommend him.
Lisa F
Steven Lissner & Company is a wonderful firm. I have been using them since 2017 and I've never even met them in person! They respect that I'm a busy working mom and they do everything they can to make sure I get a return, that I get it fast and that I don't have to go out of my way to work with them. They provide extremely professional and helpful service and their staff is kind and responsive. They have a team that's large enough and specialized enough to answer all my questions and help me when I need it. My favorite part is that, after years of struggling with a bad accounting firm that had me owing the IRS for years, Lissner helped me get organized so that I get a return every year since I've been working with them. I can't say enough good things about this firm - They have had such a helpful impact on my life!
Elizabeth Geary-Archer
Steven and his staff have been the easiest group to work with over the past three years I have been working with them. From the first email I receive at the start of tax season, until the last, they have kept me informed as to what is needed, any issues, and when the returns have been filed. I highly recommend Steve's firm for all your accounting needs.
Andrew Fischbach
I think Steve is terrific: He's professional, extremely knowledgeable and well informed about all matters with which he deals, and quick to respond to any questions that I have had. My husband feels likewise. Throughout the years, I have also found Steve to be very personable, cheery, and an all around lovely person. I'm very happy to have found him and his firm.
Tamara Colloff-Bennett
Last year I gave you all a heartfelt, 5-star rating and I would have given another one this year but there isn’t a place for me to give a another review on Google. Maybe I can only give one review. Just know that I tried and that if I could I’d give you another five gold stars, I would. Thank you for being an excellent accounting firm!
Liz Archer
Valued Client
Amazing accountant!! I was previously using an accountant who was doing wrong by me and Steven called it out for which I am extremely grateful. I’ll be using him as my personal and business accountant from here on out.
Joseph Petra
Valued Client
Steven Lissner & Company is a rare find… They’re extremely knowledgeable, friendly, and helpful!! I highly recommend Steven Lissner and his great team for anyone looking for fair and honest accounting services.
Faith Leuzarder
Valued Client
Amazing accountant and a really experienced one! Gets things done in a timely manner and the communication is always clear and to the point. Great service either for personal or business taxes.
Bernardo marrufo
Valued Client
Steve was referred to us from a friend a few years ago. He has been amazing! He makes the process for both our personal and business so easy, and has given great advice that has saved us A LOT of money! I highly recommend them! Everyone I’ve sent to him says the same!
Amy Nicklaus
Valued Client
Extremely knowledgeable and thorough, very fun to talk to too! We will be using Steve from this point going forward!
JR Fox
Valued Client
