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 home insurance 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? […]
Did you know that in the state of New York, if one or more of your credit reports is frozen when applying for an insurance policy, you could end up with a higher quote, and, ultimately, a higher premium? That is because you would not be able to earn any discounts for having a good […]
It’s probably safe to say that your home is one of the most—if not the most—valuable of all your assets. It, therefore, makes a lot of sense for you to do what you can to protect it, and the best possible protection you can get is home insurance. A home insurance policy is designed to […]
According to the U.S. Geological Survey Survey’s (USGS) latest report, nearly half of Americans across 48 states are at risk for damage from an earthquake. 90 percent of Americans live in areas considered seismically active. Yet, the Insurance Information Institute estimates just a quarter of all homeowners in earthquake-prone areas have earthquake insurance. Why is […]
Garrett Explains | Episode 16 Did you know that 65 percent of homes are underinsured? Whether it’s your home, a special piece of jewelry, a business (large or small), or any circumstance, really, you want to know that you will be made whole in the event of a catastrophe. We’ve seen too many cases […]
Garrett Explains | Episode 15 Are you venturing into the home sharing business, whether seasonally or long-term? How do hospitality services like Airbnb affect your home insurance? There are, no doubt, financial advantages, but there are also pitfalls. Contact our insurance specialists at 845-986-1177 to learn more. We are your business, home, auto, and life […]
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 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: Damaged shingles […]