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

 

Welcome to Walden!

Walden has a bad reputation.  We don’t fully understand why or how Walden came to have its own listing in the Urban Dictionary, TBH we don’t really care.  We liked Walden when we opened our doors here 26 years ago, and we grew to love it and we think you will too.

Walden has something for everyone, but here’s a few of our favorite things:

Walden is our home, so stop by for a free insurance quote and we’ll tell you where the locals go to find the best pizza!   #HudsonValleyAgents  #insurelocal  #WaldenNY  #exploretheHudsonValley

 

Does your homeowners insurance cover flooding?

Almost every county in the Hudson Valley is under a flood watch.  The forecast is calling for some pretty significant rainfall tomorrow with high winds and the possibility of thunderstorms.  Our rivers and streams are all higher with snowfall run-off and recent rainfall.  All of this adds up to flooded streets, flooded yards, and flooded basements, so we thought you might want to know what your homeowners policy covers and what it does not.

  • If your basement floods due to rainfall your homeowners policy will be of no help to you.  Flood insurance must be purchased separately from the National Flood Insurance Program.  Yes, you can come to our office to purchase a policy, but there are rules about how and when it can be purchased so please contact us if you have any questions, 845-778-2141.
  • If your car is damaged due to flooding you will be covered if you carry comprehensive coverage.  This is usually sold along with collision (aka comp and collision) as an addition to NYS required basic liability.  You’ll have to pay your deductible out of pocket.

If you have any questions regarding your current homeowners policy with Hudson Valley Agents, please contact Ashley in our Walden office.  If you have questions about your current homeowners policy and would like a free quote just click (hvagents.com), call (845-778-2141) or stop by (99 West Main St, Walden NY), our brick & mortar hours are Monday thru Friday 9 – 5.  Stay dry Hudson Valley!  #insurelocal  #HudsonValleyAgents  #homeownersinsurance  #HudsonValleyAgents  #WaldenNY  #HudsonValley  #FloodInsurance

4 Reasons people do not buy life insurance

No one wants to talk to a life insurance agent.  When a life insurance agent walks into a party, everyone pretends they aren’t there.  Seriously, it is that bad.  The very idea of purchasing life insurance strikes terror in the hearts of normally intelligent humans and we understand why, no one likes to think about dying.  The truth is, we aren’t a big fan of the topic either.

Life insurance is actually more about life than it is about death.  Yes, ensuring that funeral costs and medical bills aren’t a burden on your grieving family is a big part of the discussion, but it is not the only topic.  Planning for your children’s college education, paying off the mortgage, and managing credit card debt is also part of the conversation.  Having this difficult conversation now means that the long term financial goals you and your spouse set for your family remain a reality.

So let us address the image above and the reasons people are not buying life insurance:

1- Life insurance can be affordable at any age.

2- The terminology can be really confusing, that is the reason you need an insurance advocate, aka an independent insurance agent.

3 – We do the shopping for you.  We have access to many different insurance companies and will find the coverage to fit your needs and your budget.

4 – We don’t like thinking about death either, but we will if it helps our clients plan for their family’s future.

Dave Jr is our expert when it comes to life insurance and he’s a pretty easy guy to talk to so give him a call, 845-778-2141.  We are Hudson Valley Agents.

#LifeInsurance  #InsureLocal  #HudsonValleyAgents

5 Reasons you need renters insurance!

1- Your Landlord’s insurance coverage does not cover the contents of your apartment.

2- Renters insurance provides you with liability coverage.

3- If your apartment is damaged due to flooding or fire a renters policy will cover your hotel stay.

4- Renters insurance runs $100-$200 for one year and if your car is insured with the same company your car insurance is often discounted.

5- We offer free renters insurance quotes!

Contact Ashley at 845-778-2141, click here to visit us at hvagents.com or download our free app for iPhone & Android!  #rentersinsurance  #insurelocal #HudsonValleyAgents

Does your business need a commercial umbrella policy?

 

If you always carry an umbrella with you you are automatically protected from unexpected rain or snow storms, and that is always a good thing.  If your business has a commercial umbrella policy from Hudson Valley Agents then your business is protected from the unexpected and that’s a really good thing!

A CGL (commercial general liability) policy is one part of your BOP (Business Owner Policy) covers these 3 things:

  • Property damage liability & bodily injury liability coverage
  •  Advertising injury & Personal injury
  • Medical payments

A CGL will usually only pay out up to $1,000,000 and that may or may not cover you in the event of a lawsuit.  If you have a commercial umbrella policy that 1 million can become as high as 5 million!

A commercial umbrella policy will not cover things like:

  • Pollution Liability
  • Liquor Liability
  • Directors & Officers Liability

If you have questions about BOP’s, CGL’s, Commercial Umbrella coverage, or Commercial Auto insurance, please contact Kathy or Dave Jr at 845-778-2141.  #insurelocal  #HudsonValleyAgents  #HudsonValley  #businessinsurance  #assetprotection

 

Meet our staff – Ashley Berry

Ashley Berry is amazing.  Ashley handles personal lines in our Walden office, and if you have ever called us for a homeowners or auto quote she’s the lady you spoke to.  She has a talent for taking insurance-speak and making it understandable to the average mortal, so when you she explains your insurance coverage to you, you actually understand it!

Ashley is pretty crafty, check out the fairy gardens she created for our office!

She occasionally sells her fairy gardens so stop by and see her latest creations!

This isn’t Ashley’s first time being featured in our blog, so we had to switch up her bio questions-

What is your favorite song? – Build Me Up Buttercup

What is your favorite movie – Legand with Tom Cruise

How long have you been in the insurance biz? 3 1/2 years

If someone made a movie about your life who would play you?  Lisa Kudrow

What is your favorite place to visit in the Hudson Valley?  New Paltz

We are lucky to have Ashley on our team, her can-do attitude and her gorgeous fairy gardens brighten our office every day.  She can build a garden and she can insure it!    #HudsonValleyAgents  #insurelocal #fairygardens

Meet our staff – Kathy Livingston

Every office should be lucky enough to have someone like Kathy Livingston.  Kathy has been with Hudson Valley Agents since they opened their doors in 1990 and we hope she stays until at least 3220!

This isn’t Kathy’s first bio-blog (& it won’t be her last either!), so this time we had to give her questions that she was not expecting:

1- How long have you lived in the Hudson Valley?  40 years

2- What is your favorite place to visit in the Hudson Valley?  The Christmas Tree Shop & Mt Alvernia

3- How long have you been in the insurance biz? 26 years

4- What’s your favorite song?  It’s a hymn “Go make a difference”

5- What’s your favorite movie?  Romeo and Juliette

6 – If someone made a movie of your life who would play you? Sally Field

7- What is the best part of your day at HVA? When people thank us for saving them money and taking good care of them

Kathy is our office manager, and single-handedly runs our commercial lines.  Stop by our Walden office and say Hi one day, find out why we are the Hudson Valley’s best independent insurance agency!

#employeeappreciationday  #insurelocal  #HudsonValleyAgents

 

 

Common insurance terms every driver should know

 

When you purchase auto insurance you enter into a legally binding contract between you and your insurance company, so (by a show of hands LOL) how many of you have actually taken the time to read the declarations page of your policy?

This infographic shows some of the common terms that many of our insureds have questions about –

If you have questions about the terms or terminology on your insurance policy, please give us a call at 845-778-2141.  A good insurance agent will give you a brief run-down of what is covered by your policy, a great insurance agent will take the time to educate you as to what these terms mean and why you need or do not need that specific coverage!

#autoinsurance  #HudsonValleyAgents   #insurelocal