Personal Insurance

Umbrella Insurance

Why do I need an umbrella policy? It is a common misconception that umbrella policies are only for wealthy people who have a lot of assets to protect.  The aim of this article is to explain why this type of policy is not just for the wealthy, and why this common misconception could endanger you… Read more »

Renters Insurance

Why do I need renters insurance? Are you under the impression that your landlord's insurance policy will cover your personal belongings if your apartment or a neighbors apartment catches fire?  What if the apartment above you has a serious water leak and it causes damage to your possessions?  Who's going to pay to replace all… Read more »

Recreational Vehicle Insurance

Who Needs Motor Home Insurance Coverage? Its travel time…start up the motor home and hit the open roads. It's great to have the ability to drive wherever you want to get to, bringing along the comforts of home. That's what having a motor home has done for millions of Americans. But what about insurance for… Read more »

Motorcycle Insurance

Our Pawling Agency's Guide to Motorcycle Insurance Our policy features  New York State law mandates that all motor vehicles that operate on public roads must be registered insured.  This includes motorcycles, trikes, buggies, or any other vehicles driven "on-road." Choosing the right motorcycle insurance is a lot like choosing the right bike. You want a… Read more »

Landlord Insurance

Who needs landlord property insurance? If you are insuring a home that you do not live in, you need a landlord property insurance policy. If you have a tenant occupied dwelling and it is covered by a normal homeowners insurance policy, you are asking for trouble. Homeowners policies are only intended for owner occupied dwellings. Having… Read more »

Homeowners Insurance

Homeowners Insurance: What Homeowners Need To Know What is homeowners insurance and why do I need it? Home insurance protects your home and your family from many of life's unpredictable situations. For many people a home is the largest and most valuable asset they will ever own. For this reason most people choose to cover their… Read more »

Flood Insurance

Flood Insurance Why Do I need flood insurance?  Flood insurance is a complex and unique form of insurance coverage for a few reasons: 1.) Flood policies are underwritten by the federal government and administered by private insurance companies. 2.) In some instances flood insurance is required if your home has a mortgage. 3.) Flood policies… Read more »

Condo Insurance

Condo Insurance This condo insurance article was written to help you stay informed on how to purchase the most affordable, competitively priced, and comprehensive condominium insurance in New York. Do I really need condo or co-op insurance? If you're like most condo and co-op owners, your home is your biggest asset.  Protecting your investment is in… Read more »

Boat Insurance

New York Boat Insurance Whether you like sailing the Hudson River, fishing your favorite spot, or just cruising the open waters pleasure boating can be one of the summers most enjoyable activities.  But boating also brings with it certain inherent risks that boat owners and operators need to be aware of. That's why we're to… Read more »

Auto Insurance

Why do I need auto insurance? Our Pawling, NY insurance agents explain… The majority of states require all drivers who want to register and drive their vehicles on public roads to maintain a minimum amount of auto insurance. Moreover, to protect yourself from the dangers of driving an automobile in today’s litigious society it is… Read more »