Explain the difference between Insurance Agent and Insurance Broker.

Insurance agents are typically an agent for a particular insurance company. If you imagine a Geico representative, who sells insurance through their own agents, who work directly for that company. Or a State Farm office, who also sells through their Continue reading Explain the difference between Insurance Agent and Insurance Broker.

Contractors working on your New York Property – Home Owner Beware!

Contractors working on your New York Property – Home Owner Beware! In some states (Oregon, for example) the state requires all contractors to be licensed AND insured. In New York State, there is no such requirement, so I could buy Continue reading Contractors working on your New York Property – Home Owner Beware!

Why I hate Progressive Insurance commercials.

Why I hate Progressive Insurance commercials. First, let me say that I sell Progressive insurance as an independent broker, as they sell direct to the consumer and through independent brokers. I don’t like this either but use them sparingly, usually Continue reading Why I hate Progressive Insurance commercials.

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.

Squirrels, Vermin and Your Homeowners Insurance

Squirrels, Vermin and Your Homeowners Insurance My next door neighbor feeds squirrels on a daily basis. I personally do NOT like squirrels and hate that they climb on my fence between our homes. Luckily, my dog (Major Mo) keeps them Continue reading Squirrels, Vermin and Your Homeowners Insurance

Do I Need an Umbrella Insurance Policy?

Do I need an umbrella insurance policy? That is a fair question to ask yourself but not one that deserves a quick answer. Because an Umbrella insurance policy goes OVER everything you own, so your risk factors are different thaan Continue reading Do I Need an Umbrella Insurance Policy?