Personal Insurance
Rising costs have significantly impacted drivers across New York, making it essential to understand the underlying causes and explore potential solutions. This article explores the factors driving the auto insurance crisis, offering insights and tips for consumers looking to manage their insurance costs effectively. The Impact of Rising Auto Insurance Costs The auto insurance crisis…
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Why it’s essential that high-value homeowners and auto owners protect their assets In today’s evolving insurance landscape, the importance of better liability coverage cannot be overstated, especially for high-value homeowners and auto owners. High-value individuals, with significant assets, face unique risks that necessitate enhanced insurance protection. This guide explores the intricacies of better liability coverage,…
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In recent years, homeowners and auto owners alike have faced a significant rise in insurance costs, a trend that reflects a broader crisis in the insurance industry. This surge is attributable to a combination of factors, with climate change and the rising cost of repairs both playing a pivotal role, especially in the auto insurance…
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Maintaining a home is more than just about keeping it visually appealing; it’s a critical strategy to ensure the longevity of your investment and to maintain a positive standing with your home insurance provider. With insurance companies becoming increasingly inquisitive, the importance of proactive home maintenance cannot be overstated. In this article, “Essential Home Maintenance…
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Homeowners across various states in the U.S. have been facing an escalating crisis that directly impacts their peace of mind and financial security: the home insurance crisis. This crisis is characterized by significant rate increases at renewal time and increasingly stringent requirements from insurance companies. As your trusted insurance broker, we understand the complexities of…
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Whether you live inside or outside of the high-risk flood area, if you own property you should consider purchasing flood insurance for the protection and peace of mind it brings. However, many property owners, particularly those in high-risk flood areas, may be required to have flood insurance. Do you have a mortgage? Homes and businesses in high-risk flood areas with…
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High-tide floods – also called nuisance floods or sunny day floods – are already a familiar problem in many cities on the U.S. Atlantic and Gulf coasts. The National Oceanic and Atmospheric Administration (NOAA) reported a total of more than 600 such floods in 2019. Starting in the mid-2030s, however, the alignment of rising sea…
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It’s no secret that passwords have substantial monetary value to cybercriminals. The importance of using secure, unique passwords is growing as you entrust increasing amounts of personal information to organizations and businesses that can fall victim to data breaches and password leaks. Although there may be little you can do to prevent a large-scale data…
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With a standard homeowners insurance policy, your dwelling is insured for a specific amount, which is listed on your policy’s declaration page. Here’s a key difference between standard homeowners and High- Value homeowners. High Value policies often go above and beyond a standard policy by offering extended replacement cost coverage for your dwelling and other…
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When it comes to your possessions, owners of high-value homes are always concerned that they get enough insurance coverage for homes filled with expensive personal items. Not only that, high-value home policies cover your dwelling for all risks, versus a standard home insurance policy covers your home for a limited amount of risks (“named perils”),…
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