Not all property insurance companies are created equal! Some insurance companies charge for the liability portion of a building based on square feet. Some insurance companies charge based on the number of units. Some insurance companies have a liability charge…
What does a Home Owner Insurance Cover? Homeowners insurance pays to repair or replace your home or personal belongings when it is damaged or destroyed by a covered event. Your policy states the amount the company will pay and what…
Home Improvements That Increase Replacement Value. As an insurance agent, we often have to explain the difference between replacement value and market value. Sometimes we’ll get the comment “If I could sell my house for that I would”, here in…
This article is about how dogs add liability risks for homeowners. It is said that 68% of people own a dog and many people fail to realize a risk that dog can pose. Being the owner of a dog that…
Why “name brand insurance” doesn’t work, Williamsville! I was at a clients restaurant recently and got into a conversation with an employee of his. It was about a tenant issue and the recently evicted tenant, who damaged the single family…
I wrote an article over on LinkedIn about why I fired 2 insurance companies. You can find it here: The net result of why you buy any insurance policy, is to have your claim handled in a professional and proper…
Homeowners not covered by all this spring rain. Most of the south, midwest and east is experiencing lots of rain this spring. All this rain, the overflowing of stream, creeks, rivers is considered……Flood! And on all homeowners policies, in every…
Frozen Pipes at My New York Rental Property. As the Northeast is having some of it’s coldest weather in recent history, we need to talk about frozen pipes. Frozen Pipes at My New York Rental Property. The un-freezing of pipes…
Insurance for Cancelled New York Properties Property insurance for NY Property owners. Don’t let a cancellation of insurance happen to you. We are independent insurance brokers finding the best deal on insurance for you in New York. We seek out…
Hunter’s, Guns and your home owners insurance. Most true hunter’s (I am not) probably own at least 3 guns. My friends and clients tell me this is a normal thing for an avid hunter. Well I would bet that these…