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Does My NY Car Insurance Cover Other Drivers?

In New York State, your car insurance policy follows the car and not you as the driver, so it does cover other drivers. This holds true for NY specific coverage requirements of bodily injury liability, property damage, personal injury protection (PIP) and supplementary uninsured/underinsured motorist protection (SUM). What If Someone Borrows My Vehicle and Causes […]
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Why Have NY Car Insurance Rates Gone Up?

Why Have NY Car Insurance Rates Gone Up? There are 3 certainties in life, death, taxes, and rising auto insurance rates. For those with good driving records and good to excellent credit, you might have come to expect rather small renewal increases or no increase at all on your NY auto insurance. Yet over the […]
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Is Your Engagement Ring Covered On Your NY Homeowners Policy?

You might think that all of your personal belongings are fully covered when you take out a homeowners or renters insurance policy, but you’d most likely be wrong. Most insurance companies have “Special Limits” included on their policies that place a cap on the amount of reimbursement for certain items. For example, someone breaks into […]
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Loss Of Use – Vital NY Homeowners and Renters Insurance Coverage

On virtually every NY homeowners and renters insurance policy you’ll notice a coverage called “Loss of Use” or sometimes named “Additional Living Expenses”. This particular coverage is typically included as part of the policy package at a percentage of dwelling coverage limit. With a homeowners policy this limit is normally between 20 and 40 percent […]
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Why You Need Renters Insurance in New York State

As more and more apartment landlords require their tenants to take out a renters insurance policy, it’s still surprising how many people choose not to get this important coverage when they are not required to do so. Some estimates reveal that more than 50 percent of renters do not have coverage. Wrong Assumptions Made By […]
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NY Insurance: What You Don’t Know Can Hurt You

When it comes to auto, home and business insurance in New York State, what you don’t know about your coverage can hurt you. Many people assume, because they obtained their insurance policies through a NY insurance agency that they are covered adequately for all risks, but that is simply not the case for a great […]
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How Much Is Motorcycle Insurance in NY?

  NY motorcycle insurance is much the same as car insurance in that it provides property and liability coverage up to the limits carried on the policy. As to how much it costs depends on a number of factors including specific coverages carried along with settlement type and limits of liability protection held. In addition […]
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Going Cheap On Your NY Insurance Can Cost You Big

Many people in New York State, actually, across the entire US view auto, home, and business insurance as a commodity. But, insurance is anything but, it’s not like a pound of sugar that is the same thing at any store only with a different price tag. An insurance policy is not something that is tangible, […]
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