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Floods are among the most common natural disasters that may affect your home and property. These incidents can be caused by heavy rains, hurricanes, unusual runoff patterns or overflow of inland or tidal waters. Regardless of how it occurs, even a single flooding event can cause devastating property damage and significant financial losses. With that […]

Personal umbrella insurance may help cover claims exceeding your homeowners, watercraft and auto liability insurance policy limits. A typical auto or home liability policy has a maximum limit of $300,000 to $500,000. Umbrella insurance may pick up where your other coverage left off for third-party bodily injury and property damage claims.   How to File an […]

Owning or operating a small business can be rewarding and exciting, but it also requires diligence and responsibility. Unlike larger competitors and peers, your organization may have stringent financial limits that make accidents or errors particularly threatening. While employers with more resources might be able to recover from certain incidents, you must toe a finer […]

Mold is common in homes and buildings. It can grow wherever there is excess moisture (e.g., around doors and windows) and cause property damage. According to the Centers for Disease Control and Prevention, mold can also cause people to have mild to severe allergic reactions. Continue reading to learn when your homeowners insurance may help […]

Auto insurance policies may help pay accident-related medical bills, depending on your chosen coverage. Contact James V. Funaro Agency in Bethpage, New York, to learn more about including medical coverage with your auto insurance. How Does Auto Insurance Cover Injuries?  Each state determines whether auto insurance policies must include coverage for accident-related injuries. Depending on […]