On August 1st 2023, a new law came into existence in the State of New York that required all married drivers to be automatically enrolled in supplemental spousal liability coverage with their car insurance company. This means higher insurance rates on car insurance for married drivers; however, drivers may now elect to opt out of… Read More…
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New York Flood Insurance
In early July of 2023, Highlands, New York was completely underwater and a state of emergency was declared as highly devastating flood waters made their way across the area. The Governor of the state had warned residents of flooding that could be “life-threatening”. West Point experienced rains that only occur once every 1,000 years. In… Read More…
4 Essential Insurance Types That Everyone Should Have
Choosing among the various types of insurances that are available may prove to be a challenging endeavor. It is an individual choice and is based on the specific circumstances surrounding a person’s life. Factors that may play a role in determining what types of insurances are needed include age, benefits received through employment, and if… Read More…
Does Your Credit Score Affect Your Car Insurance Rates?
Yes, in most instances, your credit score will impact how much you pay for car insurance. It should be understood, though, that the credit score is not the only factor that is considered by automobile insurance companies. Other factors include your age, your marital status, the neighborhood where you live due to the fact that… Read More…
The Unique Risks and Needs of Brownstone Homes Must Be Considered When Shopping for Insurance Coverage
Brownstone residences are sprinkled among the leafy, quaint streets of New York. They are exceptionally popular within Brooklyn, Manhattan, and Queens. In fact, it is quite common to observe brownstones sitting against historic cobblestone lanes throughout the state. Most of these structures date back to the period of the 19th Century. Many are owner-occupied, while… Read More…
3 Common Reasons Why Car Insurance Rates Go Up
It is a frustrating experience to discover that the costs associated with your car insurance has increased. This is especially true if you cannot determine the reason why. Perhaps you have a clean driving record. Maybe you have not filed any claims. It should be understood that insurance rates typically do not increase without a… Read More…
Insurance for Classic Cars in the State of New York
If you own a classic car that is at least 25 years old, the State of New York requires that you cover the vehicle with the minimum of both bodily injury liability and liability coverage for property damage. But more than it just it being a state requirement, these vehicles are often hold irreplaceable memories,… Read More…
What Is Renters Insurance?
Renters insurance is a type of policy that includes a group of distinct coverages that aim to protect those that rent and live in a dwelling that is rented from an individual that owns the property. It may include coverage for personal belongings that become damaged due to a peril that is covered. It also… Read More…
5 Types of Insurance That Every Small Business Should Have
Owning and operating a small business is a challenging endeavor that may prove to be overwhelming. You have many responsibilities – one of which is often overlooked. That is, obtaining the proper types of insurance coverage. Failure to take this step could result in everything you have worked for and everything you have to become… Read More…
What Is Business Loss Insurance?
Business loss insurance – often referred to as “business interruption insurance” – is a form of insurance coverage that aids in replacing income that is lost should said business become halted due to any type of covered physical loss or damage. Examples of situations where this type of insurance would provide coverage is a natural… Read More…