The Factors That Directly Impact the Cost of Homeowner’s Insurance in New York

The premiums that are charged for homeowner’s insurance in New York vary immensely from one company to another. In order to get the best value, consumers should do a little shopping around. If you lack the time or the patience for this research, contact us here at Modica Associates today. We take all of the… Read More…

Key Factors That Should Be Considered When Buying Insurance Coverage for Your Brownstone Home

Brownstone homes are quickly gaining an immense amount of popularity among individuals that have a desire to purchase an historically-significant building and also have an appreciation for exceptional and even completely exquisite craftsmanship. To own a brownstone is to hold a high level of prestige. Once you have committed to a purchase of a brownstone,… Read More…

New York Car Insurance Basics

New York Cars

If you plan on driving within the State of New York, it is essential that you know the basics regarding car insurance. It does not matter if you reside in the busy region of New York City or in the country regions of the Empire State, we here at Modica Associates can assist you in… Read More…

Who Pays for My Medical Bills After a Car Accident That Wasn’t My Fault?

If you have recently experienced a car accident in the State of New York and were not at fault, you may be curious as to where the responsibility lies for paying or covering the associated medical bills incurred as a result of the accident. Many successfully go through a settlement for personal injury where a… Read More…

The 4 Main Types of Property Insurance Available for Purchase

Property Insurance

Purchasing and maintaining property insurance is a necessary step in protecting yourself, your family, and your business from liability should an event that is beyond your control occurs. Property insurance is a specially-designed policy that provides direct coverage for property owners. These policies provide extensive coverage for various types of damages. Examples include those that… Read More…

First-Time Home Buyer? These Popular Programs Could Help

Home Buyers Moving In

It is common knowledge that becoming a homeowner comes with its own level of benefits; however, there are also a few barriers and complications that you may be unprepared to handle if you are buying a home for the very first time. Large sums of money, confusing terms, and lack of experience often result in… Read More…

How to Lower Your Car Insurance Premiums

Car Insurance Premium

Car insurance is a necessity; however, understanding it may prove to be quite challenging. Understanding the differences between comp and collision, liability, uninsured motorist coverage, and the various other types of policy considerations may leave you spinning. In this brief guide, we will outline certain facts pertaining to car insurance coverage. By learning these facts,… Read More…

Is Homeowner’s Insurance Required by Law?

As a homeowner, you are not legally required to obtain homeowner’s insurance; however, if you are taking out a mortgage or are currently paying on a home, your designated lender will require that you have proof of homeowner’s insurance coverage. If your mortgage is paid in full, you do not have to purchase insurance. You… Read More…

Are You a Government Contractor? Protect Yourself and Your Business From Major Losses With Government Contractor Insurance

Conducting any type of work or business with the government of the United States presents a wide array of risks. Many government contractors believe that the protections that are offered are quite broad; however, this is inaccurate. It does not matter if your work is operational-based, it is related to construction, associated with security, or… Read More…

Essential Components of a Fleet Safety Program

Truck Fleet

Accidents involving fleet vehicles are considered to be the costliest of all injury-based claims for businesses. According to statistics, the average cost of accidents is about $70,000. If you do not have a formal-based fleet safety program, it puts your employees and your business at risk. This program should be designed – specifically -for both… Read More…

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