Friday, April 30, 2021It is important when insuring a property that proper steps are taken to arrive at the actual value of the property. Failure to do so might result in some very unpleasant situations if it so happens that something does happen to the property. If a property was under-insured, the insured would incur a penalty. READ MORE >>
Wednesday, February 10, 2021 Homeowners insurance is a must for every Long Island home buyer. All reputable mortgage companies require insurance coverage for the fair value of a property (often determined by the purchase price) and will not approve a loan without proof of it. READ MORE >>
Thursday, January 28, 2021For Long Island, NY homeowners, the winter months can be worrying. From slippery icy driveways to equipment that refuses to function in freezing temperatures. The colder months often make home insurance even more needed than usual. READ MORE >>
Wednesday, January 20, 2021When an object is used every day, its condition tends to decline. This is what is referred to as wear and tear. In a home, wear and tear refers to the property's deterioration after it has been used as intended. The deterioration should not be due to carelessness, accidents, misuse, or abuse of the property's contents either by you, your guests, visitors, or your household members. READ MORE >>
Sunday, January 17, 2021Home & Auto Insurance area a necessity for every Long Island homeowner and car owner. It covers your posessions from a wide range of perils as indicated on the policy. However, despite this assurance, there is always a possibility that your coverage limits may not be sufficient to cover the cost of loss, injury or damage. READ MORE >>
Sunday, December 20, 2020If you are a homeowner, chances are very good that you understand the benefits of home insurance especially on Long Island where the home values are relatively high. But chances are also very good that you are irked by the fact that insurance rates typically increase year after year. READ MORE >>
Thursday, December 10, 2020Whether you are considering an above-ground or in-ground swimming pool, it’s best to contact your New York home insurer first. The reason is that the pool will most likely increase your homeowners insurance premiums. Pools represent an increased risk for home insurance firms and in return for taking on that bigger risk, they have to raise the monthly premiums. READ MORE >>
Thursday, November 19, 2020Although it is not required by law, the benefits of homeowners insurance clearly outweigh the costs. As long as you don’t make the mistake of thinking that this type of insurance is a huge blanket that covers just about everything - including your home collapsing because it was never maintained. READ MORE >>
Thursday, November 12, 2020When quoting you a rate for homeowners insurance, the insurer will take into account various factors related to your property, including the likelihood of and vulnerability to theft and break-ins. One way to make your home safer and at the same time reduce insurance costs is by installing a home security system. READ MORE >>
Thursday, October 29, 2020Regardless of whether you own or rent a home, protecting your belongings should be a high priority. When we say belongings, we refer to things such as furniture, jewelry, clothes, electronics, etc. If these things are damaged or get stolen, it costs a lot of money to replace them. READ MORE >>
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