Frequently Asked Questions: Auto Insurance

Auto Insurance Frequently Asked Questions Q: Do I need to purchase insurance when I rent a vehicle? A: Most people do not need to purchase additional auto insurance from a rental car agency when renting a motor vehicle. Your current personal auto insurance policy may cover you and the vehicle you are driving under the… Read more »

What Happens If I Under-Insure My Home?

Most insurance companies require you to insure your home to between 80 and 90 percent of it's full replacement cost value.  If you decide to understate the value of your property and choose a dwelling coverage amount that is below the 80 percent level, your treading dangerous waters. The coinsurance clause in a property policy… Read more »

Difference Between Actual Cash Value and Replacement Cost

Whats the difference between actual cash value and replacement cost?  It is very important that you elect to have replacement or reimbursement cost on your home and personal property.  You want to be able to replace your belongings in the event of a fire or some other occurrence, don't you? Most standard homeowners policies come… Read more »

Motorcycle Safety Tips

Do you ride your motorcycle locally? So do we. For more information on rallies, or exhilerating joy rides near Pawling, NY please contact our agency. Be visible: -always keep in mind that car and truck drivers have trouble seeing motorcycles and reacting in time -make sure all your lights and signals work and can be… Read more »

Top 5 Home Insurance Myths

Myth #1: The replacement cost of my home should be about the same as the market value. The Truth: A common mistake of homeowners when they are getting quotes for home insurance is to use the market value of their home to determine the dwelling coverage. Dwelling coverage should only be based on replacement cost–the… Read more »

What Are My Duties in the Event of a Loss?

Insurance is a contract between two parties, the insured and the insurance company. Both sides have certain obligations that they must meet to maintain the integrity of the contract. This article will discuss the duties of the insured in the event of a loss. There are four main duties that all insurance customers must follow… Read more »

Teen Driving Safety

If you have teenagers that are getting prepared to get their permit to drive, or are already licensed you should consider some hard facts before handing over the keys. Statistics show that motor vehicle accidents are the leading cause of death for teenagers in America.  Accidents have killed between 5,000 and 6,000 teenagers every year… Read more »

What Car Should I Buy My Teen Driver?

New Cars: Clearly, when buying a new vehicle, there's less to worry about in terms of maintenance and upkeep. The main concern, then, centers around crash resistance and structural integrity. This falls into several different areas (not to mention the cost of the auto insurance). 1.    Crash-test scores: These play an increasingly important role in helping… Read more »

Top Ten Safety List for Teen Drivers

We can take a few actions to safeguard our children from a crucial, even fatal driving error. Pay for Extra Driver Training, if you can afford it. Consider investing in additional behind-the-wheel driver education for your teen. Don't rely solely on Drivers Education in the high schools. We specifically recommend an "active" setting (where your… Read more »

Putnam County NY Bonds

Yes. If you are considered a "home improvement business" by legal definition, you need to register with the county and must be insured and bonded by an acceptable surety company. The Legislature of Putnam County has enacted a law to help protect homeowners from unscrupulous home improvement, remodeling, and repair contractors. If you conduct any… Read more »