Articles

The more you have to lose, the more liability coverage you need on your NY car insurance policy.  As opposed to property damage which presents a finite loss potential, injury or liability loss potential is virtually infinite. In New York State, the required minimum coverage for Bodily Injury Liability coverage is $25,000 per person/ $50,000 […]

If you have been thinking that auto, home and business insurance premiums have been rising rather significantly over the past couple of years, you are not mistaken, most insurers have increased rates in all areas due to heavy claim losses. Even though most people have been experiencing the higher price of insurance, there are many […]

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 […]

In light of the current economy and the highest inflation rates in decades, every penny can count when it comes to savings. One way that married couples can save not only pennies, but up to hundreds of dollars per year is to do a check and get some quotes on their car insurance. One simple […]

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 […]

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 […]

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 […]

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 […]

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 […]

  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 […]