Personal Umbrella Insurance Explained.

Personal Umbrella Insurance Explained. So many consumers (and some of our clients), make the mis-conception that a personal umbrella policy replaces all other insurance policies. Somehow, the thinking goes that EVERYTHING is now covered by this 1 policy. Noting could Continue reading Personal Umbrella Insurance Explained.

Smart phones, an ideal way to inventory your house for homeowners insurance!

Smart phones, an ideal way to inventory your house for homeowners insurance! Unsuspecting homeowner’s usually find out when it is too late, that their proof of loss on a homeowner claim is up to them. They must show the receipts Continue reading Smart phones, an ideal way to inventory your house for homeowners insurance!

Auto Insurance Exclusion – Delivery Use of Your New York Car!

Every day, people are getting jobs at pizzeria’s and restaurants, delivering food items to homes. This has the potential to be a huge mistake, as almost all auto insurance policies EXCLUDE using your vehicle for delivering. Since that was not Continue reading Auto Insurance Exclusion – Delivery Use of Your New York Car!

Things in your garage aren’t covered by homeowners insurance!

Things in your garage aren’t covered by homeowners insurance. Let me explain – your boat that is now stored inside of your garage, still need it’s own boat insurance policy even during the winter. If that garage starts on fire Continue reading Things in your garage aren’t covered by homeowners insurance!

Super Storm Sandy and Property Insurance.

Super Storm Sandycould affect property owners in 3 different ways. One would be wind damage – either direct damage to a home or a damage as the result of falling trees or limbs. In New York State, wind is a Continue reading Super Storm Sandy and Property Insurance.

You may have a broken auto insurance policy.

“You Too Might Have a Broken Insurance Policy” “True stories about our clients Matt, Byron & Adel, who put their house at risk by not knowing the truth about their complete insurance protection.” Williamsville, NY You hear the squawking ads Continue reading You may have a broken auto insurance policy.