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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 […]

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, […]

You might be thinking that customer service for your auto, home or business insurance doesn’t cost anything, it’s include with the policy or policies you have purchased. Technically, you’re correct in that there’s no monetary cost from the insurer to process, maintain or provide customer service to the insured. But, If you’ve ever had a […]

Owning and operating a business takes a huge commitment of time, energy and financial investment. Problems and issues arise on a daily basis, but your NY retail store insurance should not be one of them. It’s of major importance that store owners, along with their insurance agent, address proper insurance coverage for all facets of […]

Renters insurance is a low cost way to protect your belongings from loss due to a number of potential perils such as fire, theft, water damage as well as others. You might be surprised to learn that less than 50 percent of renters actually take out this coverage. Why Many Renters Pass On Coverage Why […]

As a business owner, it’s important to have the right insurance in place to protect your company. Shopping for business owner insurance can be a daunting task, but it doesn’t have to be. Every business is unique, so it’s important to understand what coverage you need to protect your business. Here are a few things […]