NY Insurance Hub

As a homeowner, you know the importance of having insurance to protect your property and belongings. But did you know that your homeowners insurance policy may also include coverage for loss of use? Loss of use coverage, also known as additional living expenses coverage, can provide financial protection if you are unable to live in […]

Car insurance is a necessary expense for most drivers, but have you noticed your premiums increasing lately? You’re not alone. In recent years, Albany NYcar insurance rates have been on the rise, leaving many drivers wondering why. In this article, we’ll explore the top three reasons why car insurance premiums are rising and what you […]

Just like the price of gas, building materials, food and just about everything else you can think of, auto insurance rates are continuing to rise. Unfortunately, even for those who have not had any accidents or tickets, their premiums are rising too as we all share in absorbing large insurance company losses of late. Rate […]

Times have certainly changed over the past couple of decades as to how people go about getting their insurance for auto, home and even business policies. In the not so distant past, most people would actually go to their local insurance agencies to get quotes, review their coverages, and even to catch up with their […]

Maybe several years ago you took out your NY car insurance policy with a new agent. He or she was fantastic with a great personality and spent a lot of time with you securing a nice policy meeting your requirements at the time. Unfortunately, that was the last time you really spoke with your agent […]

If you’re not in the insurance business, car insurance can seem rather grey as to what is and what is not covered on a policy. Here are 3 of the top questions that auto insurance professionals are asked. Can Someone Else Drive My Car? Auto insurance policies follow the car and not the driver in […]

Some helpful tips about NY car insurance that you may not know about. Getting The Best Price Most people are familiar with the big brand national insurance companies that advertise on TV, radio, print and online relentlessly. They are all captive insurance companies that have one car insurance product and sell through captive insurance agencies. […]

Besides the fact that driving without insurance in New York State is a criminal offense, going without coverage leaves you exposed for great financial loss whether you are at fault in an accident or not. You need car insurance not only to protect against injuring someone else but also to protect yourself from being injured […]

The insurance market is cyclical and fluctuates over time between a soft and hard market for all lines of business such as auto, home and business insurance. Hard Insurance Market A hard market in the industry is experienced when premiums rise along with a tightening of underwriting guidelines making it more difficult to get a […]

There is no specific “Full Coverage” definition when it comes to NY car insurance but most in the industry would consider it as people who carry the State required liability protections along with comprehensive and collision coverage. Full coverage disputes sometimes arise between policy holders and insurers as it relates to “add-on” coverages for endorsements […]