If you are in involved in a fender bender, should you file an insurance claim or self-insure the loss and pay the repairs out-of-pocket? When it’s NOT recommended to file a claim: If you are confined to your own property and there is only minor damage. If you run into something like the pole of […]
Garrett Explains | Episode 11 Flood insurance is not covered under your homeowners or business property program. Meanwhile, earthquake activity is expected in the years to come throughout the Tri-State Area. How prepared are you? As private insurers enter the marketplace, Garrett explains it all in Episode 11! Contact our insurance specialists at 845-986-1177 […]
Garrett Explains | Episode 10 Do you know how your recreational vehicles (ATVs, dirt bikes, snowmobiles, golf carts, etc.) are addressed on your homeowners policy? Does coverage extend to those vehicles? If not, how should you handle it? Garrett explains it all in our 10th episode of the series! Contact our insurance specialists at […]
When to Save and When to Throw Out At what point does food in the refrigerator become unsafe during a power outage? The USDA and Foodsafety.gov provide a very detailed chart as a guide to evaluate each food item: Click here to view. Â We are your business, home, auto, and life insurance solutions provider, […]
People are becoming more and more comfortable, and in many cases, more reliant on smart home technology. Some advanced smart home offerings include: Activation of “smart” alarms during set times of day Energy management systems (automatically adjusting thermostats in real-time) Locking and unlocking doors from a smart device Turning on and off lights remotely or […]
Understanding Your Insurance Coverage Limits Do you drive the cheapest car? Do you live in the cheapest neighborhood? Why not? Now ask yourself this: did you choose the cheapest insurance quote you received? Nearly everything we own — our cars, homes, articles of clothing, jewelry, etc. — was purchased with two things in mind: […]
Did you know an estimated 40 percent of high value homes are underinsured? If you are like most financially successful individuals and families, there is a good chance that you have a significant amount wealth invested in your home. It might even be your largest investment. A typical homeowners policy is likely not suitable […]
Chip card security has become the latest standard in credit card security. The standard, called EMV, includes a small microchip in the credit card that protects buyers against fraudulent transactions. Surprisingly, EMV has been the standard in most parts of the world for over a decade, while banks in the U.S. have only just been […]
Choosing the Proper Coverage for Your Home Maybe you never intended to be a landlord… That happens frequently these days. There are many who never intend to be landlords, but circumstances force them into renting out their property in some form or another. You might purchase a vacation home, only to realize you will […]
Bodies of water are the second most common scene for accidental deaths in the United States — after highways. Boaters must always be alert to floating debris, underwater rocks, and other boats or you could easily get yourself into a dangerous situation. Here are a few guidelines to follow to improve your safety while on […]
