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 […]
July 12, 2023
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]
July 7, 2023
AgencyWhat Type of Insurance Do I Need for My Small Business?
Businesses of all sizes need insurance to protect their owners, employees and assets. Small businesses may be tempted to forgo coverage, but one costly incident could have catastrophic consequences. Every business should have a robust insurance policy to prepare for the unexpected, such as theft, vandalism or natural disasters. Common Insurance Options for Small Businesses […]
June 13, 2023
AgencyHome Insurance for First-time Buyers: What You Need to Know
Being a first-time home buyer can be overwhelming, and there are many steps to complete before moving into your new home. One critical step in the process is purchasing homeowners insurance. The following tips and information are essential for first-time homeowners to know. What Does Homeowners Insurance Cover? Homeowners insurance policies typically include the following […]
May 10, 2023
AgencyWhy New York Residents Should Have Flood Insurance
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 […]
April 25, 2023
AgencyFiling a Personal Umbrella Insurance Claim: What to Expect and How to Prepare
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 […]
March 14, 2023
AgencyHow Does Small Business Insurance Work?
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 […]