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Plain-language answers to questions we hear often. Can't find what you're looking for? Give us a call and a licensed insurance professional can help.
Insurance works by spreading the cost of claims for a group of people out over the group. The households that paid premiums without filing a claim receive peace of mind, while the ones who do file are saved from what could have been an even bigger tragedy. Many insurers compete in the marketplace, which keeps rates competitive.
Read the full answerAlmost all New York State personal auto policies provide coverage for a car rented as a temporary substitute vehicle, such as when you are on vacation. Conditions may apply, and personal auto policies often do not cover moving trucks. You can still choose to purchase coverage offered by the rental car company if you prefer.
Read the full answerHome assessments state the real estate value of the property. A replacement cost valuation insurance policy insures the amount it would cost to completely rebuild the structure from the ground up in the event of a total loss, which is typically higher than the assessed real estate value.
Read the full answerNew York State personal auto policies are not designed to cover you when you are using your vehicle in a ride sharing business venture. Your policy contains exclusions for this type of use. NY State law requires that TNC companies provide a certain amount of coverage when you are engaging in ride sharing.
Read the full answerAll insurance policies must be sold by someone holding an agent's license, so there's always an agent involved. Companies that advertise heavily can carry a higher cost structure that is reflected in renewal rates after introductory discounts expire. Working with an independent agent often results in competitive rates and the benefit of working with a licensed insurance professional familiar with your coverage.
Read the full answerWe recommend that every household keep an inventory of personal belongings to simplify reconstructing a list of items destroyed or damaged in a claim. A home inventory can be a written list, photographs, or a video, and a copy should be stored in a location separate from the home (such as at work, at a relative's home, or in the cloud).
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