7 Summer vacation tips

Planning a summer vacation is more than just booking a hotel and buying plane tickets, there are many other things to plan for and we are here to help ensure that all your vacation I’s are dotted and T’s are crossed.

1-  If you are renting a vacation home contact your insurance agent to ensure that you and your belongings are covered.

2- Do not post your travel plans on social media, if Facebook knows that you are away, then everyone knows you are away, including thieves.

3- Leave your house keys with a trusted neighbor or friend and ask them to check on your home.

4- Put your lights on a timer!

5- Always pack medications, toothbrush, and a change of clothing in your carry-on bag in case your luggage is lost.

6- Consider investing in travel insurance if you are traveling outside of the US.

7- Download our free app for iPhone and Android!  You can start a claim, make a payment, or locate your car in an unfamiliar parking lot!

#travelinsurance  #vacationinsurance  #HudsonValleyAgents  #insurelocal

6 Things we love about life in the Hudson Valley!

When you ask someone what they love the most about the Hudson Valley you will probably never get the same answer twice.  We thought we should share some of the things we love about living and working in the Hudson Valley and we could find out what your favorite Hudson Valley adventures.

1- Taking a cruise on the Hudson River.  If you aren’t lucky enough to own a boat, then hopping aboard one of the river’s many cruise ships is an excellent way to really appreciate the beauty of the Hudson River.  We’ve cruised with Hudson Valley Cruises and truly enjoyed the trip!

2- All of the unique street art.  The city of Kingston is host to the original O+ festival and the artists that use the buildings as their canvas are top notch!

3- The Hudson Valley’s amazing breweries, vineyards, and distilleries!  We highly recommend 2 Way Brewing Company in Beacon.  Please drink responsibly while exploring the Hudson Valley’s many alcoholic beverages.

4- Drive-Ins!  It’s summertime, grab a blanket, some bug spray, and make sure your car’s battery is fully charged, it’s time to go to the Drive-In!  Dutchess county is home to 3 drive ins,  Green county has 2, Orange county has 1 (if we’re wrong, please let us know), and that seems to be it.  If you know of any that we’ve missed, please let us know.

5- Hiking.  Let’s face it, we live in the most photogenic place in New York state.  Just look at these views-

6- Fall.  Best. Thing. Ever.  Hay rides, apple picking, cider, the leaves, the air, there is nothing more beautiful than the Hudson Valley when the leaves are at their most vivid reds and oranges!

Let us know what your favorite things are in the Hudson Valley!  #ExploretheHudsonValley  #shoplocal  #eatlocal  #playlocal  #insurelocal  #HudsonValleyAgents  #HudsonValley

National Insurance Awareness Day

The Oxford Dictionary defines the word insurance as, “A thing providing protection against a possible eventuality.” and Merriam – Webster defines insurance as, “A means of guaranteeing protection or safety.”.   Insurance is our business so we have always defined it by the protection it provides our clients as well as ourselves but not everyone sees insurance the same way.  Today’s blog post is about increasing awareness of what insurance does for you.  We’ll do our best not to speak in the same tired cliches our industry is known for and offer you a fresh perspective on what many think of as a boring industry.

When we asked our staff what aspects of insurance they most wished our clients were aware of they told us this:

Dave Jr, owner of Hudson Valley Agents,  would like our clients to be aware of the fact that insurance “Is highly regulated by the state of NY, that is why it is less expensive in many other states”.  That explains the enormous difference in the cost of auto insurance from state to state.  For questions on this topic, please send an email to davejr@hvagents.com

Kathy would like her commercial clients to know that properly cancelling your policy, rather than allowing it to lapse due to non-payment, will make it easier for you to re-insure with that company again and it can save you money in the long run.  For questions about insurance for your business, please email Kathy at kathy@hvagents.com

 

Ashley handles our personal lines.  She would like her personal auto insurance clients to know that rental car coverage does not mean that you can rent a car while you are on vacation and your insurance will pay for it.  Rental car coverage means that your insurance company will pay for a rental car if your own car has been damaged in an accident.  For questions about personal home or auto insurance, please contact Ashley at ashley@hvagents.com

Philip wishes more business owners were aware of the differences between personal auto insurance, commercial auto insurance, and Hired/Non-owned coverage.  If you or your employees routinely travel to deliver goods or services there are policies that protect them and your business should there be an auto accident while en route to a delivery.  Ensuring that you have the proper coverage will save you a headache later on and the coverage is affordable too.  For further information on this, please contact Philip at philip@hvagents.com.

Insurance impacts our lives in so many ways, it is important to understand what your policies cover and what they do not.  We are always happy to share our knowledge, so if you have questions about your insurance, please do not hesitate to contact us, we are always happy to be of service!

#insurelocal  #HudsonValleyAgents  #NationalInsuranceAwarenessDay

 

Firearm Liability Insurance

According to FBI statistics, nearly 800,000 crimes were recorded in New York State for 2015 – with more than 317,00 of them being property crimes. The FBI defines property crimes as burglary, break-ins, vandalism, arson, vehicle theft and carjacking, among others.

Many New Yorkers choose to own firearms to protect their homes, property, and families from such incidents. Unfortunately, justifiable circumstances alone are not always enough to shield them from potential liability exposure from using them. Sometimes civil and criminal charges are brought, resulting in a significant loss of time and money.

Most homeowner’s insurance policies specifically exclude this type of loss, leaving the gun owner personally and financially liable.  And even frivolous or unfounded allegations must be defended, potentially leaving the gun owner responsible for tens of thousands of dollars in defense costs alone.

It’s called Firearm Liability Insurance and starting at $135 a year, it’s extremely affordable.  Firearm Liability Insurance provides coverage for attorney retainers, legal expense reimbursement, bail bonds, damages, awards, and judgments. More expansive packages also cover compensation for lost wages while in court, and even psychological support services.

At the time of this article, there is legislation in front of the  NYS Assembly that is expected to be passed by both houses and ratified by the Governor that “Requires owners of firearms to obtain liability insurance in an amount not less than two hundred fifty thousand dollars.” This coverage is available now at Hudson Valley Agents if you do not wish to wait.

For more information on coverage that protects you while you protect your family and home, call Dave or Philip at Hudson Valley Agents at (845)-778-2141.

#firearmliabilityinsurance  #insuringfirearms  #insurelocal  #HudsonValleyAgents

Get your RV Insurance ready for summertime fun

When you’re getting your RV ready for summertime fun, don’t overlook your insurance!  RV insurance is the key to keeping your summer vacation stress-free so ensuring that you have the proper coverage is really important.

Here are some things you might not know about insuring your RV:

  • A Class A  RV will cost more to insure than a Class B
  • Coverage can include towing and roadside coverage
  • Coverage can include campsite and vacation coverage
  • A poor driving record could have a negative impact on your rates

For further information about RV insurance, auto insurance, or any other type of insurance just give us a call 845-778-2141 & ask for Ashley.  (she’s our resident camping expert and she knows the best spots!)

Happy Summer Hudson Valley

#RVinsurance  #summertimefun  #insurelocal  #HudsonValley

 

What can an independent agent do for YOU?

The average person sees at least 5 commercials for insurance per half hour program, and at least 3 of those commercials are for just one company!  We are constantly bombarded by captive insurance companies promising major discounts and savings and often these promises are based on bare bones coverage with very high deductibles.  These captive companies offer little to no personalized service and their coverage options can be limited.  We thought the Hudson Valley deserved something better.

When we opened our doors in 1990 our goal was simple, excellent insurance coverage with affordable rates for individuals and businesses.  We have met that goal, and exceeded it.  We work with local insurance companies (can you believe that there’s an insurance company in Kingston?), and we joined the digital era!  Our website is user-friendly and works on your phone, tablet, or laptop.  Our free app for iOS and Android is out of this world and must be seen to be believed, and we still offer one on one personal service in our Walden office.

Find out what an independent insurance agency can do for you, call, click, or stop by, we would love to be your insurance agent!

#HudsonValleyAgents  #insurelocal  #independentinsuranceagent  #WaldenNY  #freeapp

 

Insuring your boat or small watercraft

Warmer weather takes hold this week and that means it’s time we talked about insuring your boat or personal watercraft!

The chances are good that your current homeowners policy already covers property damage for your canoe or small sailboat, but that coverage does not cover liability.  You can usually add an endorsement to your policy to cover liability, it depends on your carrier and the size of your watercraft.  Personal watercraft, yahts, and boats with high horsepower engines need their own insurance coverage.

Fear not, my boating friends, for boat insurance can be affordable and there are discounts for things like:

  • Coast Guard approved fire extinguishers
  • Bundling home/auto/boat
  • Ship to shore radios
  • Safety courses

Ashley is our in-house boat insurance expert & she’s available anytime Monday thru Friday from 9-5.  Can’t make it to our Walden office?  No worries, just go to our website; hvagents.com for a free quote.

Happy boating Hudson Valley!

#boatinsurance  #boating  #HudsonValleyAgents  #insurelocal

What happens when you put 200 independent insurance agents into 1 room?

What happens when you put 200 independent insurance agents into one room?  They learn from one another and they teach the insurance industry a thing or two.

Everyone is back from the annual SAN Group meeting in Worcester and excited to put their new knowledge to work. Dave Jr and Philip spent their time taking classes,

Speaking to representatives of insurance companies,

They acted silly

And they found some insurance history too-

The insurance industry is always evolving to meet the ever changing needs of their insureds and the independent agents who serve them.  Annual meetings like this help new agents, like Philip, get one on one time with companies and that benefits our clients and our agency.  It also allows insurance companies to learn about changes they need to make from the people who know the needs of their clients.

Our partnership with the SAN Group allows us access to insurance companies that many other agencies are unable to work with.  This partnership allows us to better serve our small businesses with insurance coverage that best fits their insurance needs and budgets.

Are you a small business owner in need of insurance coverage?  Philip, David, and Kathy are ready, willing, and able to give you a free quote!  Call (845-778-2141), click, or just stop by our Walden office today.

#independentinsuranceagency  #HudsonValleyAgents  #insurelocal  #businessinsurance

 

2 Excellent reasons to create a home inventory

Spring is in full bloom in the Hudson Valley and this is the perfect time to create a home inventory list!  We know how daunting creating a home inventory list can be, who actually wants to go through their home and inventory their belongings?  There are 2 very good reasons for taking the time to do this:

1- A home inventory will help you know if you are over insured or under insured.  How will you know what your insurance needs are if you do not know how many items you will need to replace?

2- When tragedy strikes our first thoughts are of caring for our family and pets, not remembering the contents of the China Cabinet or kitchen cupboard.  Having a home inventory takes the stress out of the claim process.

Know Your Stuff is an excellent free app from the Insurance Information Institute and it really makes creating a home inventory easier and, dare we say it, almost fun!  The time you take today is the stress you save yourself later.  For further information on home inventory and homeowners insurance give Ashley or David a call 845-778-2141

#homeinventory  #homeownersinsurance  #waldenny  #hudsonvalley  #insurance  #insurelocal  #hudsonvalleyagents

Going on vacation? Call your agent first.

Summer vacation is on the horizon and we want to help you make yours a trip to remember!  Did you know that your homeowners and car insurance could help with some of your travel related frustration?  One quick call to your agent and you’ll stress less about these 3 things:

1- Lost luggage or stolen electronics can be covered by your homeowners policy.

2- Your car insurance covers your rental car, if you carry comprehensive coverage.

3- Trip Cancellation insurance is REALLY AFFORDABLE and easy to purchase.

Vacations are meant for relaxation, not worrying about what might and might not be covered by your insurance.  Know what’s covered before you go, and then enjoy that sweet, sweet, vacation!

For further information or a free insurance quote give us a call 845-778-2141, check out our web page, or download our free app for iPhone and Android users.

#insurelocal  #HudsonValleyAgents  #TravelInsurance  #HomeownersInsurance  #AutoInsurance  #hudsonvalley