When any type of big or destructive storm is expected, you need to make sure you take the right steps to ensure your assets are covered. The first step? Check your insurance policies because not all of them cover the following expenses: Tree or any other debris removal Water damage Water/Sewage back-up (for sewers, drains, […]
1. What is your property value: Make sure that your home is valued properly. Insurance is a lifeline to rebuild your property in case disaster strikes. If your home is not valued properly, then the extra cash needed to rebuild will be coming straight out of your savings. This is why we can’t stress enough […]
Property owners know that whether they own an apartment in rural Chester, NY or a condo in New York City, insurance is critical. Fires, robberies, floods, and other natural disasters arrive unexpectedly, and for those that are uninsured, it is often impossible to handle the loss. Both landlords and renters need insurance, but sometimes both […]
Your home’s roof is designed to last a long time, but that doesn’t mean that it won’t get damaged at all. A roof has to be maintained regularly in order to maximize its lifespan. But how do you know exactly when your roof needs to be replaced? Here are some of the most common signs: […]
Discounts will always vary on the insurance carrier and state, but it is worth a shot at asking your independent insurance agent about the following discounts so you don’t miss out if they are available to you! Claims-free discount: As an insurance company, what would be your favorite kind of customer to insure? One that […]
Garrett Explains | Episode 12 Is your insurable replacement cost higher than the market value for which your home or property was appraised? Whether it’s for a home or commercial building, we run into this question all the time! Garrett explains why in Episode 12! Contact our insurance specialists at 845-986-1177 to learn more. We […]
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 […]
