New York Insurance News And Blog

Have You Ever Visted Merchantcircle.com?

Tue, 06 Jul 2010 19:32:00 GMT

Our agency proudly boasts a major presence on merchantcircle.com. Visit this site to find our ranking as a trusted merchant member in your community and read some of our other knowledgeable articles regarding how to save money and improve your Saratoga NY insurance, or your Middletown NY insurance, or Spring Valley NY insurance. It does not matter where in New York you are, we can help you improve your insurance experience and save you money. Just ask Merchant Circle or any of the other merchants on Merchant Circle that connect to us as a trusted local business and leader in our community.

June Bug

Thu, 01 Jul 2010 16:47:00 GMT

This June our agency saved new and existing clients over $20,000 on their personal and business insurances. We will also be adding free instant access to New York State Department of Motor Vehicles forms to our service center and our free internet web browser tool bar .

Our group health department has added 6 more client firms and saved new applicants over $30,000 in costs. Yeah, we rock!

May Savings

Tue, 01 Jun 2010 20:12:00 GMT

Hudson Valley Agents had the best month of May ever, and the best month of all in 4 years with $59,230 in new insurance premium written! The best part is with that, we saved our new business insurance and personal insurance clients over $5,000 on their insurances and another $18,200 for our business clients that switched their group benefits over to us. Thank you to all of our loyal clients and friends.

This Is Why We Are Here

Fri, 21 May 2010 13:41:00 GMT

Hudson Valley Agents is here to protect our clients from these EVERYDAY events:

Must See Hail Storm Video
Awesome Wild Fire Video
This Could Have Been Your Stolen Car

A trip in an RV shouldn’t ruin your marriage … or your day

Tue, 13 Apr 2010 20:00:00 GMT

Mistakes happen, especially when you’re somewhere unfamiliar, but the results of a recent survey may still surprise you. The survey found that among RVers, a spouse is more likely to be accidentally left behind than the dog. Man, I can have fun with this one all day long, but seriously, you can't make this stuff up!

A leading RV insurer, recently surveyed more than 1,000 RVers countrywide to uncover amusing mishaps they’ve experienced while traveling. The survey found that the most common blunders made while traveling are:

•driving away with the steps extended

•backing into something

•misjudging overhead or side clearance space

•not connecting taillights correctly, and

•running out of gas.

The survey found that 53 percent of RVers spend a month or more each year traveling the open road, and 42 percent travel more than 500 miles per trip.

Traveling the open road in an RV can be a great adventure, but sometimes it gets a little bumpy. That’s why RVers were also asked about their insurance. When mishaps happen, you want to get back on the road fast—ideally with all of your passengers on board.

Only 28 percent bought a stand-alone insurance policy with specialized RV coverages. In fact, 54 percent simply added their RV to their auto policy, and 14 percent didn’t buy any RV insurance.

Although mishaps can sometimes be funny, they can also lead to costly damages. Simply adding your RV to your New York auto insurance policy can leave you woefully underprotected. It’s important to know what coverages are available to adequately protect yourself and your vehicle.

“There is a huge difference in coverage and services from companies that specialize in RV insurance in New York, vs. an auto insurance carrier. Check with Hudson Valley Agents, New Yorks number one RV insurance provider for a fair and unbiased rate quote and fact checking on your RV insurance.

March Madness

Thu, 01 Apr 2010 20:36:00 GMT

$18,288 is how much money we saved new clients on auto and homeowners insurance in the Hudson Valley coming to our agency in the month of March this year, plus another $27,000 in group health benefits AND we gave out $200 with of money cards to Stewarts Shops for referrals!!!

We're on fire. If you want to keep up with the Jones's, you should consider letting us requote your insurance coverages now. You've got nothing to lose.

Learn To Prepare For A Flood

Tue, 30 Mar 2010 18:50:00 GMT

With the late onslaught of snow just before spring this year, most of New York has become a prime candidate for the kind of flooding you only see happening on network news or hear about in biblical stories. The best way to combat this is to get educated and be prepared. Here's how:

1. Determine whether or not you live in a flood prone area. In New York flood insurance is required by bank lenders and mortgage companies if you have a loan with them on your property and it is in a "flood zone." If your property was not in a flood zone when you purchase it, check with your local town or village to see if that has changed as the topography of your area may have changed. Also be aware of changing stream or run off patterns on or around your property. As new neighborhoods get built, water displacement changes and finds new paths to run.

2. Know where to go. Many towns and villages have evacuation plans in place that may include shelters and school closings incase you need to get out quickly. Make sure your family evac. plan includes who is in charge of picking and dropping of children and or pets.

3. Stockpile food, water, ice, batteries, and charcoal. Flood waters have the potential to cut you off from civilization for a week or more, and may cause power outages as well.

4. Take safety precautions. People and pets are always the first priority when it comes to staying prepared. Check on elderly residents before, during and after a flood as well as individuals with disabilities or which may require special assistance. Never leave pets to fend for themselves; instead, take appropriate steps to secure their safety including food, shelter and fresh water.

5. Do not delay. If your home or property is impacted by water damage, it is critical to obtain professional help as soon as possible. Water extraction service, clean-up, mold remediation and much more should be contracted with a single provider whenever possible. Flood damage may require extensive remediation including drywall repair, mold remediation, air duct cleaning, upholstery and carpet cleaning plus much more. To protect the value of your property, it is a good idea to make sure the water damage is remediated by a certified remediation specialist. The same goes for cleaning and restoration.

6. Check you insurance coverage. New York homeowners insurance does not cover flood damage. At Hudson Valley Agents, we have seen an exponential increase in flood damage claims in our agency over the last 5 years, and based on government predictions and our own observations, we expect the incidents of damaging flooding to continue to increase by more than 100% over the next five years.

Personal Or Commercial Car Insurance: Which Is Right For You?

Tue, 23 Mar 2010 20:08:00 GMT

(NAPS)—If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy.

You’ll need to consider buying a commercial policy or making sure that your existing personal auto policy covers the vehicle for business use. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines and may surcharge for business-use coverage on a personal auto policy.

If you’re not sure whether business use is covered on your personal policy, it’s important to call your insurance company or agent. Here are four questions you may want to ask:

§ How do companies determine commercial use? One definition could include “engaging in transporting goods for compensation or a fee,” which includes pizza or newspaper delivery, catering, door-to-door consulting services, landscaping or snowplowing services, logging business, day care/church van services or farm-to-market delivery. People who do these kinds of work should consider purchasing a commercial vehicle policy.

§ Do you need more liability coverage than a personal auto policy provides? Generally, a commercial auto policy offers higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

§ Do you need special coverage for situations encountered while conducting business? Commercial auto policies usually offer these coverages, and they’re normally not available with personal auto policies. These include hired and non-owned auto coverage and coverage for towing a trailer for business use.

§ Do you need to list any employees as drivers? Commercial auto policies allow you to list anyone that you employ. You don’t have that option with a personal auto policy. In general, you’ll need commercial auto coverage if the vehicle you use is owned by a corporate partnership or driven by employees, or if it’s used to haul tools or equipment weighing more than 500 pounds, make deliveries or heavy enough to require state or federal filings.

For more information about commercial auto insurance, visit Hudson Valley Agents.

Quote of the Century

Mon, 22 Mar 2010 19:00:00 GMT

Let me get this straight......we're trying to pass a health care plan written by a committee

whose chairman says he doesn't understand it,

passed by a Congress that hasn't read it but exempts themselves from it,

to be signed by a president that also is exempt from it

and hasn't read it

and who smokes,

with funding administered by a treasury chief

who didn't pay his taxes,

all to be overseen by a surgeon general who is obese,

and financed by a country that's broke.

What the hell could possibly go wrong?

This Day In History

Mon, 22 Mar 2010 18:39:00 GMT

This Day in History

This Day in Historyprovided by The Free Dictionary Brought to you courtesy of Hudson Valley Agents