October 8, 2024
funaroagencyThe Risks of Driving in Fall—What Auto Insurance Covers
As the leaves change and the days grow shorter, fall brings driving challenges. Drivers should be aware of the risks associated with this season, including the following: Wet leaves—As leaves fall and accumulate on the roadway, they can create a slippery surface, especially when wet; this can lead to reduced traction and increase the risk […]
September 30, 2024
funaroagencyUnderstanding Different Types of Life Insurance
Life insurance can be a crucial part of your long-term financial plan. Understanding your options can help you make an informed decision about which policy may be a good fit for you. Term Life Insurance Term life policies provide coverage for a specific period, typically ranging from 10 to 30 years. If you pass away […]
August 12, 2024
funaroagencyWhat Does a Business Owners Policy Cover?
In the ever-evolving world of entrepreneurship, small to mid-sized enterprises frequently face various hurdles. Among these is the need to reduce operational risks. To address this, obtaining sufficient insurance is crucial. A business owners policy (BOP) can consolidate essential insurance for appropriate small and medium-sized enterprises, offering security and cost-effectiveness. What Is a BOP? A […]
July 2, 2024
Amanda CastleUnderstanding Different Types of Flood Insurance Coverage
Floods are among the most common and damaging natural disasters. Heavy rainfall, rapid snowmelt, and infrastructure issues can all lead to an abundance of water filling the streets and areas around your property, potentially leading to catastrophic losses. If even a small amount of water seeps into your home or business, the financial consequences could […]
June 5, 2024
funaroagencyThe Impact of Vehicle Maintenance on Commercial Auto Insurance Premiums
Maintaining a commercial fleet involves keeping vehicles running smoothly, and doing so can influence your insurance costs by reducing the risks of accidents resulting from mechanical failures. Preventative Maintenance Preventative maintenance is the cornerstone of managing a commercial fleet effectively. Regularly scheduled maintenance tasks—such as oil changes, tire rotations, brake inspections and fluid checks—help keep […]
May 10, 2024
funaroagencyUnderstanding New York’s No-Fault Insurance Law
New York is one of several states that operate under a no-fault insurance system for auto accidents. This system aims to streamline the process of obtaining compensation for injuries sustained in car accidents while reducing the burden on the court system. How New York’s No-Fault Insurance System Works Under New York’s no-fault insurance system, drivers […]
April 5, 2024
funaroagencyCommon Homeowners Insurance Claims and How to Prevent Them
If you are a homeowner or about to be one, you may wonder how to best protect your home from the unexpected. One place to start is by reviewing the most common homeowners insurance claims and ways you can prevent them. While many incidents are unavoidable, some can be mitigated by taking proper precautions. Most […]
December 7, 2023
funaroagencyFactors Affecting Home Insurance Premiums: What You Need to Know
Home insurance is vital to homeownership, protecting your finances against various risks and unforeseen events. However, many homeowners may not be aware of the factors that can affect their home insurance premiums. Understanding these factors is crucial in managing insurance costs while ensuring adequate coverage. Location of Your Home The location of your property plays […]
November 2, 2023
funaroagencyHow Auto Insurance Works
Auto insurance is designed to help provide financial protection in case of accidents, theft and various unexpected events. This coverage is highly customizable, so it’s crucial to work closely with an experienced local agent to get appropriate car insurance coverage at a great rate. Is Auto Insurance Required? Like other states, New York has mandatory […]
August 16, 2023
AgencyWhat Does Life Insurance Do?
If you provide financial security for a loved one, consider obtaining a life insurance policy. Life insurance can be an essential element of financial planning because it can help protect your dependents financially when you pass away. How Long Is Life Insurance Good For? The following are the two major categories of life insurance: Term […]