Frequently Asked Questions
Have You Considered an Umbrella?
An umbrella is excess coverage over your underlying insurance coverages. Contact us to explain the coverage and how it works. You will be surprised the cost is one of cheapest policies you will have and you will be thankful you have it when you need it.
"Ride Sharing"
"Exposures"
IS YOUR TRAVEL TRAILER COVER PROPERLY?
If you have a travel trailer and it is parked permanetly at a campground call us to make sure you have all the coverages you need.
IS MY HOME COVERED IF I RENT IT OUT?
More and more people are renting out rooms in their homes, their homes or other structures on their property on HNCs (home-sharing network companies) for example Airbnb ane Homeaway. If you are doing this or considering to do this please contact your agent ASAP to make sure you have the proper cover.
ARE YOU COVERED IF YOU HAVE SOLAR PANELS?
If you have purchased solar panels and put them on the roof or the ground you need to let your insurance agent know to make sure you are properly covered.
What does my Umbrella or Excess Coverage cover?
If you have an umbrella or excess coverage make sure you contact your agent on a regular basis to review coverage and understand what is covered and what is not. It is important to review what exposures you have to make sure that all underlying coverage is correct.
Does Your Insurance Cover You When you Rent that Motor Home?
Make sure to contact your insurance agent, some auto policies do and some do not. Make sure before you hit the road on your vacation.
Do You Have the Right Coverage for Your Summer Toys?
Remember you don't have to have liability insurance for your boat, but for a few dollars a day you can have piece of mind when enjoying the summer with family and friends.
Your camper is only covered under your auto policy for liability when it is attached to the auto. Remember you have to purchase physical damage coverage.
Easy rule of thumb is your homeowners does not cover anything that can have it's own insurance. So remember the boat, atv, jetski, motorcycle and snowmobile is not covered in the garage under your homeowners when there is a fire.
Give us a call to make sure you do not have a gap in your coverage.
AM I COVERED WHEN I RENT A CAR?
If you have a New York state auto policy there is no need to purchase coverage through the rental company.
If you do not have a New York state auto policy you may want to purchase coverage through the rental agency or check if your credit card provides coverage.
Remember that your rental coverage is only for the United States and you are not covered in Canada or outside the US. Coverage is only afforded for 30 days on day 31 you have NO COVERAGE.
To make sure you understand completely always contact your insurance agent.
- 1 of 2
- ››