We realize that everyone is just gearing up for pumpkin spice latte’s and apple picking, but we need to talk about winter. Winter arrives in the Hudson Valley on December first, and it doesn’t leave until March nineteenth, and we all know how rough winter can be along the Hudson River…
Now is the perfect time to start getting your home ready for all that cold and snow. The temps are comfortable, the sun is still shining when you get home from work, and the longer you wait, the worse it will be.
We put together the top 3 things you can do to prepare your home for the arrival of Jack Frost:
1- Clean your gutters! Gutters without caps will quickly fill with leaves and other debris, leaving nowhere for rain and snowmelt to go. But, water has to go somewhere, so it will back up underneath your roof and do some serious damage.
2- Wrap your pipes! Frozen pipes are the worst and usually preventable. Who wants to deal with a flooded basement when it’s ten below outside?
3- Check the trees on your property and have dead or diseased branches (or whole trees) removed. Highwinds and heavy snowfall have brought down more than one mighty oak, and tree removal is not a part of a standard homeowner’s insurance.
Do you know what your homeowners’ insurance covers and what it doesn’t? The time to find out is not when there’s a flood in your basement or a maple tree in your bedroom. When the worst happens, you want to know that you only have to make one phone call and everything will be taken care of. That is the reason you need an independent insurance agent.
We are Hudson Valley Agents, serving the needs of the Hudson Valley for 29 years. #insurelocal #HudsonValleyInsurance
Our recent road trip to Albany began at Exit 19 on the NYS Thruway. From the time we merged onto the Thruway until we reached Exit 22, my passenger (copilot) counted 14 people texting/talking/looking at their phones. That’s when she stopped counting.
The Governor’s Traffic Safety Committee defines distracted driving as this –
“According to a study conducted by the National Highway Traffic Safety Administration (NHTSA), driver inattention is defined as one of the following:
- Driver engagement in secondary tasks (those tasks not necessary to the primary task of driving)
- Driver drowsiness
- Driving-related inattention to the forward roadway
- Non-specific eye glance away from the forward roadway.”
Checking on your toddler, applying lipstick, drinking your morning cup of coffee, changing the radio station, or picking up your phone can count as distracted driving. Out of all of these things, the most significant culprit is your phone.
Let us talk about the financial impact of distracted driving.
If you should be caught using your phone while driving, you can expect the following things to occur:
1- If convicted, you will be charged a fine of anywhere between $50 – $200, this does not include court surcharges that can be as high as $100.
2- If convicted, you will have 5 points added to your driver’s license. Eleven points earns you a suspended license.
3- If convicted, your car insurance rates will increase exponentially. We’re talking astronomically high insurance rates.
There are several apps that help parents handle their teen’s distracted driving, and they are helpful, but nothing beats teaching by example.
We love our clients, and that’s why we want the best for them. So, please put down the phone when you are behind the wheel. Drive safe Hudson Valley. #itcanwait #carinsurance #HudsonValleyInsurance #distracteddriving
People often ask us what makes us different from other insurance agencies, and that is a question that can be difficult to answer.
You see, every insurance agency is the same, but they are also quite different. Captive agencies like State Farm or GEICO can only offer you the insurance products that they carry. These companies have one or two different types of car insurance coverage, and they have little to no wiggle room when it comes to cost and coverage.
An independent insurance agency can provide you with insurance choices from a variety of different insurance companies. If one company is not a perfect insurance fit for you, we’ll move on to another. We have the freedom to shop around, thus ensuring that you have the policy you need at an appropriate price.
We know that insurance can be confusing; it is a legally binding contract between yourself and the insurance company. Hudson Valley Agents is the broker who acts on your behalf, the agency who ensures that the insurance company holds up their end of the bargain. We stand for truth, justice, and the American… wait, um, sorry, that’s Superman.
In our small way, we really are superheroes. Our sole purpose is to ensure that our clients can rebuild their lives and businesses after a catastrophe. Break free from those captive insurance agencies and enjoy the freedom that comes with having an independent insurance agent. #insurelocal #HudsonValleyInsurance #insurancesuperhero
Classic car insurance is different than regular auto insurance – classic cars are not meant to be driven regularly. This means that in general, classic car liability premiums are lower because the risk on the road is reduced.
Mileage – Accordingly, carriers often limit the number of miles you can drive your classic vehicle annually. Some are more generous than others – while some have stricter limits rewarded by lower premiums. Always be sure to check before signing on the dotted line to be sure you can drive to attend all the shows you want.
Some specialty classic car insurers offer replacement cost to what is called “Agreed Value” (or Guaranteed Value). This means that the car owner tells the insurer what they consider to be the value of their classic car. The insurer will confirm the accuracy and the two parties will ‘agree’ to a final guaranteed replacement value.
“Stated Value” refers to an amount that is ‘stated’ at the beginning of the policy – supported by documentation supporting the replacement cost. However, in the case of a loss, the insurance company does not guarantee that amount and will pay either the stated value of the actual cash value of the vehicle, whichever is less.
Commercial insurance for classic car dealers is also available. Insurance for this type of business can cover:
Damage to vehicles you own and are selling
Damage to vehicles owned by others in your care, custody, and control
Loss or damage to collectibles, memorabilia or products sold by the dealership
Physical damage to property, gas pumps or equipment
To learn more about personal and commercial classic car coverage, contact your independent insurance agent.
And if you’re in the Hudson Valley, come see us at our Hudson Valley Agents booth at the Fair Street Reformed Church’s Seventh Annual Classic Car Show in Kingston, NY on Saturday, August 17 at the corner of Fair and Pearl Streets in Uptown Kingston. #classiccarinsurance #insurelocal #HudsonValleyInsurance
If you have ever wondered if your dishwasher or furnace was covered by your homeowners’ insurance, we have a good news/bad news answer for you.
THE BAD NEWS – The average homeowners’ policy does NOT cover appliance breakdown. Nope, nada, zip.
THE GOOD NEWS – We aren’t your average insurance agency, and Preferred Mutual isn’t your average insurance company.
Our boss recently had to replace his furnace and hot water heater to the tune of $6,000. The average cost of a new dishwasher runs the gamut from $400 to $1000. The average cost of a new refrigerator can set you back between $700 and $2,000. For the incredibly low price of $10, you can add this money-saving coverage to your Preferred Mutual policy.
Just check out these images for more information & then call Hudson Valley Agents and ask for Ashley 845-778-2141. Find out what an independent insurance agent can do for you. #insurelocal #HudsonValleyInsurance
Woody Allen once said that “There are worse things in life than death. Have you ever spent an evening with an insurance salesman?” OUCH!
We know how people view insurance agents, we are the evildoers who take money, and then ensure that nothing is ever paid out should a claim be made. The reality is much different, and a lot less exciting. The truth is this, we really love insurance. We love it because it helps people get their lives back on track after a catastrophe.
We often only see or hear from our clients once or twice during the duration of their policies. Once when the insurance is first purchased, and then again upon renewal. Unless you are making changes to your coverage (adding a car, adding a driver, updating your insurance coverage to reflect the new garage you just built), or when there has been a catastrophe.
Life can move pretty fast, and one day, your turn around to find that the homeowners’ insurance that you purchased 5 years ago did not keep up with your life. You may have redone the upstairs bathroom, or added an addition. Did you update your kitchen, or maybe purchase some pieces of expensive jewelry? All of these things need to be reflected in your insurance policy. One of the best ways to ensure that your insurance coverage is working for you is to talk to your insurance agent at least once a year.
Free quotes, low down payments, and outstanding customer service are what we have to offer. Find out what an independent insurance agency can do for you, call, click, or stop by today! #hudsonvalleyinsurance #insurelocal
Welcome to the weekend Hudson Valley, let’s go hiking! Hiking is the best way to see just how gorgeous our valley truly is.
We have put together a list of our five favorite places to hike, and we would love to hear about yours.
1- Storm King Art Center, New Windsor, Orange County – Do not expect to see or do everything at this 500- acre outdoor sculpture museum in one visit, and remember to bring sunscreen! Admission is $18 and worth every penny.
2- Schunemunk Mountain State Park, New Windsor, Orange County – Schunemunk Mountain is the highest point in Orange County, and no one in our office has yet to hike all the way to the megaliths. Be prepared to sweat.
3- Poet’s Walk Park, Red Hook, Dutchess County – Rumor has it that this is where Washington Irving came up with the idea for his famous story “Rip Van Winkle,” and once you climb that first short hill you will understand why.
4- Breakneck Ridge, Fishkill, Dutchess County – This hike is not for the faint of heart. The highest peak is 1,260 feet above sea level. This hike is so popular that it has its own Metro-North stop!
5- Falling Waters Preserve, Saugerties, Ulster County – Because of its proximity to the Hudson River, this preserve was once home to a rather large ice house. 168 acres, 3 miles of trails, and don’t forget the waterfalls!
If you happen to be wondering why we only listed one Ulster County hiking spot, you need to know that it was not a deliberate decision. Ulster County has an overabundance of gorgeous places to hike and bike, it is impossible to list all of our favorites.
Remember when you graduated from high school? That first summer between high school and college is one that most of us will never forget. You probably took your very first road trip with friends right about now (and you more than likely did it without the aid of a navigation system or cell phone!), and that was your first taste of the freedom of the road. It tasted good, didn’t it? Now your teenagers want to do the same thing.
That thought stopped you in your tracks, didn’t it?
The start of summer begins the 100 Deadliest Days for teen drivers in the Hudson Valley.
Let’s look at some of the reasons why-
1- Healthyny.gov states that traffic fatalities are the leading cause of death for 16 – 17-year-olds in New York state. Lack of driving experience is a large part of the problem.
2- Having other teens in the car increases the chances of an accident. Passengers are just as distracting as cell phones.
3- Distracted driving is not limited to cell phones. Changing the radio station, sipping coffee, smacking your friend who’s sitting in the backseat, all of these things force novice drivers to take their minds and eyes off of the road.
4- Night driving takes a lot of practice. Do you remember the first time that oncoming headlights blinded you? Not a fun experience.
5- Many teens begin to experiment with alcohol right around the same time as they are experiencing the freedom of being solo behind the wheel. Drunk driving fatalities increase during the summer for that very reason.
We know how scary it is to have your teen behind the wheel, we’ve been there, and we have some tips that can help.
1- Talk to your teen about the The Courage To Intervene pledge. It takes courage to stop a friend or family member from getting into a car with an impaired driver, or driving while under the influence of drugs or alcohol.
2- Practice good driving habits. Stay off of the phone when behind the wheel and tone down your road rage. If you do it, they will too.
3- Encourage them to put their phone in airplane mode whenever they are behind the wheel. #itcanwait
4- Consider enrolling them in drivers ed over the summer. It never hurts to learn safety skills before you take your first road trip.
5- Enroll in the NYS DMV TEENS program. TEENS is a program that notifies you whenever your teen has a traffic infraction, ticket, or license suspension placed on their DMV record. Click here to enroll in this free program.
Drive safe Hudson Valley.
Hudson Valley Agents works with many insurance companies, and if we told you their names, you would not recognize any of them from their television ads. However, if we mentioned Progressive you would immediately think of Flo, wouldn’t you?
Progressive is known for their advertising, their low rates, and fast claim settlements. Not everyone knows that Progressive also works with just a few handpicked independent insurance agencies, and we are lucky enough to be one of them!
There are some differences, but not ones that you might notice right off the bat, and they are all positive! You now have all of the benefits of Progressive, with the bonus of an actual human agent who is your advocate should you ever have a problem, and here is the real shocker – sometimes, just sometimes, the rates for car insurance are, at times, lower than what you would find online. The discounts are identical, ditto the fast service, and the same internet access, but with local humans who answer the phone and handle anything you can throw at them.
Here’s the best part of all of this, if you find that you are not happy with Progressive, we will find you another insurance company whose rates and coverage works for you. That is the beauty of working with an independent insurance agent! Insurance is confusing, but you don’t have to go it alone, we’re here to help.
#ProgressiveInsurance #HudsonValleyInsurance #insurelocal
Are you getting your boat ready for the season this weekend? You’re not the only one!
We wanted to answer some of the questions that most people have about what their boat insurance covers. Some of these answers might be a bit shocking!
1- Your fishing pole and any other equipment that you bring onto your boat, is covered by your homeowners’ policy. Remember that your homeowners’ insurance coverage has limits to what it covers as well. Talk to your independent insurance agent about this before you put your new fish finder on the boat.
2- The average boat insurance policy does not cover towing. If you have ever had your ship break down in the middle of the Hudson River, then you know just how expensive it is to have a boat towed, do not count on your policy to cover this unless you purchased the additional coverage.
3- Additional coverage for a little something called “Hurricane haul-out provisions” is available with some companies. This added coverage will take care of expenses incurred when scrambling to get your boat out of the water during a hurricane.
4- Many insurance companies will offer discounts for things like ship to shore radios, and Coast Gaurd approved fire extinguishers.
5- You can bundle your boat, auto, and homeowners insurance for an even more substantial discount!
Hudson Valley Agents is here to help with all of your insurance needs. We work with big-name insurance companies like Progressive and Liberty Mutual, as well as local companies like Kingstone (located right in Kingston NY!). Find out what an independent insurance agent can do for you, call, click, or stop by. We’re here to help. #insurelocal #HudsonValleyInsurance #boatinsurance