Personal insurance helps bring peace of mind for what matters most.
Get the insurance your home needs.
Your home is the center of your life. It’s also your biggest investment. That’s where home insurance comes in, covering the unique risks you face. We’ll help you find a policy that protects you from the small and large risks related to owning a home. Because it’s more than just a house, it’s your home.
What are the risks your home faces?
Imagine if your house caught on fire. Not only would you lose your home, but you’d also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage. That’s why it’s important to have a homeowners insurance policy that covers your risks and fits your needs.
You get more than just fire insurance with homeowners' insurance. Comprehensive coverage is available for:
- Falling objects
- Storm damage
Even small issues can add up, and having coverage helps you protect your biggest investment.
Get coverage to protect the vehicle you rely on.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft or another covered event. Auto insurance also provides protection against medical expenses resulting from injury, or property damage caused by an accident involving your vehicle.
Liability: Pays for losses you cause to others. This is a mandatory coverage needed in NYS.
Comprehesive: Pay for losses caused by an animal, theft, vandalism, and windshield repairs.
Collision: Pay for damages caused to your vehicle when you "collide" with another vehicle or object.
You can choose what best suits your coverage need. Every person is unique and often needs different coverages. Contact us to discuss the best price and options for you.
Debunking the three myths of flood insurance.
There are three major myths floating around about flood insurance, and if you buy into these myths, you could be taking an unnecessary risk. These myths are that coverage is only needed for people in flood zones, that home insurance covers flooding, and that government programs take care of flood coverage. We’ll debunk these myths so you can understand the full extent of flood coverage and how it actually works.
Flooding is a risk no matter where you live.
The first myth is that insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating. Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. You need specialized insurance coverage to help protect your home from rising waters—even if you’re not in a flood zone.
Why do you need insurance for recreational vehicles?
As simple as a snowmobile or other recreational vehicle might seem, it produces many of the same financial risks as a car. Things like accidents, breakdowns, property damage, and injuries can arise when driving your snowmobile. That’s why recreational vehicle insurance is a must for your peace of mind and protection for your investment.
We can cover:
Coverage options to consider in your recreational vehicle policy.
Like auto insurance, when it comes to insuring your recreational vehicle you may want to consider policies that cover liability costs if you are held responsible for a collision. This may include damage to other vehicles and property, as well as medical bills for other people. You may also get collision coverage, which covers the costs of your own recreation vehicle. This is important to have if you have hired or leased the vehicle.
Additional coverage for an extra layer of protection.
Umbrella insurance has an unusual name, but it’s a simple concept—it’s an extra liability policy for added peace of mind. Most commonly, this type of coverage is something you get in addition to either an auto insurance or home insurance policy, as well as watercraft insurance.
Focuses primarily on liability claims.
This type of coverage is specifically about liability, which is the cost you might have to pay to somebody else for an unfortunate event where you are held responsible. It doesn’t usually include losses you bear yourself, such as if your property is damaged or your possessions are stolen.