Jonathan Geissler February 18, 2021 No Comments

Flood Insurance 101

Did you know flood losses are not covered by your homeowners insurance policy?   Flood Insurance Facts: Just one inch of water can cause costly damage to your home. This is especially critical in the spring. A commonly accepted model is that 10 inches of snow equates to one inch of water, creating a dangerous […]

Jonathan Geissler January 11, 2021 No Comments

Protect Your Home (and Bank Account) This Spring

Spring is just around the corner. The weather is soon warming, days are getting longer, and birds are returning. If you are like most people, you are welcoming the season with open arms. Spring, however, is also the time when heavy snow dissipates, leaving copious amounts of snowmelt water, just as rain showers and seasonal […]

Jonathan Geissler December 22, 2020 No Comments

Just a Few Reasons You Would Need Umbrella Insurance

Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for […]

Jonathan Geissler December 15, 2020 No Comments

Why Are Building and Reconstruction Costs Rising?

The U.S. construction industry has been overwhelmed since late summer with exorbitant price increases. Total reconstruction costs, including materials and retail labor, surged 9.2 percent from October 2019 to October 2020. A 5 percent increase in total costs occurred in the third quarter of 2020 alone. The key factors driving these increases include multi-month manufacturing […]

Jonathan Geissler December 30, 2019 No Comments

Why You Need to Clear the Snow and Ice Off Your Vehicle

Garrett Explains | Episode 18   In 2013, the NYS Senate amended a 2008 vehicle and traffic law requiring motor vehicles to be cleared of accumulated snow, sleet, hail, or face the consequences with a ticket and a hefty fine.  That means even the hard to reach spots on your roof or in the bed […]

Jonathan Geissler August 28, 2019 No Comments

Why Choose An Independent Insurance Agency?

Garrett Explains | Episode 17 What separates an independent insurance agency from the rest?  In Episode 17, Garrett explains! Click here to watch our 3-minute video. Contact our insurance specialists at 845-986-1177 to learn more. We are your business, home, auto, and life insurance solutions provider, partner, and adviser, serving Warwick, Greenwood Lake, Florida, Goshen, Pine […]

Jonathan Geissler August 27, 2019 No Comments

Common Home Insurance Discounts Available to You

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? […]

Jonathan Geissler July 22, 2019 No Comments

Unfreeze Your Credit Before Applying for Insurance

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 […]

Jonathan Geissler May 24, 2019 No Comments

Understanding Insurance to Value

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 […]

Jonathan Geissler July 20, 2018 No Comments

Fender Bender: To Claim or Not to Claim?

If you are 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 your […]