Exciting stuff, right?
Maybe not, but it IS essential that you periodically review your personal and/or business insurance coverage. Preferably before renewal or whenever a major life or business change occurs.
Before I became an insurance agent, I took my own insurance for granted. It was simply a ‘box to check’ on life’s long list of must-dos. But it literally pays off to pay attention.
For example, as a Hudson Valley business owner, your annual payroll and gross sales help determine your premium. If you’ve grown 100% and added 15 employees and your policy is still based on the figures you gave your agent three years ago as a start-up – you could incur a stiff workers compensation penalty or premium bump.
Or say you’ve added some new and very expensive manufacturing equipment. Make sure to increase your coverage so you don’t have to pay that hefty price tag twice when the business unexpectedly floods and your new equipment is destroyed.
And don’t even get me started on cyber liability. Small businesses are increasingly targeted for data breach thefts because they are more likely to process credit cards without the data protection in place of larger businesses. If you take credit cards or store customer information, you need cyber liability.
On the personal insurance front, if you are a homeowner and you’ve built a tiny house for your mother-in-law to live in on your property, but you’re only covered for your original one-car garage for ‘other structures’ – you’ll be sadly disappointed when a huge old tree falls on the tiny house (hopefully while she’s away) and you find you’re not fully covered.
There are also set limits of coverage for your special household items, including silver, artwork, jewelry, and more. If your policy only covers $2,000 for jewelry and you inherit your eccentric (yet lovable) great-aunt’s collection of vintage Tiffany brooches, you’ll need to add a jewelry endorsement to cover the full value.
Circumstances and changes that may not occur to you can greatly impact your coverage and, in some cases, can end up saving you money. Defensive driving courses, reaching a certain age, and even getting a degree can end up lowering your premium, depending on your carrier.
It only takes about 15 minutes to review your coverage(s) with your independent insurance agent (like us, Hudson Valley Agents). We’re here to help you make sure you’ve got the best and most appropriate coverage at the best rate.
It’s your insurance – make sure it’s working for you and not against you.
#insurelocal #HudsonValleyInsurance #HudsonValleyAgents
December is a busy month for insurance agents and here are the top 3 types of phone calls we’ve been receiving:
1- Help! I hit a deer!- Everyone in the Hudson Valley has had to make this phone call at least once since they first got behind the wheel.
2- Help! My pipes have frozen and burst!- Your homeowners insurance will cover the repairs to your walls and floors, but not to the pipes themselves.
3- Do I need extra insurance coverage for…. – Did you ask Santa for a new car? What about a drone? Some of your holiday gifts need specific insurance coverage (drones), and some (like high-end electronics or jewelry) need a low cost insurance rider in order to ensure coverage.
Don’t allow holiday mishaps to turn you into a Grinch, make sure your insurance is ready for all of your holiday fun! Our insurance experts are here to help you make the season bright. Call 845-778-2141 for more information & great insurance rates today!
#holidayinsurance #carinsurance #jewelryinsurance #insurelocal #independentinsuranceagent
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
Please join us in welcoming Philip Bender-Tymon to the HVA family! Philip is an Ulster county resident with firm ties to his community, he is currently the Director of Communications for the Kingston Uptown Business Association and his husband is a local business owner. Philip has an extensive background in communications and problem solving, and is looking forward to putting those skills to work for our clients.
We were worried that Philip might find the world of an independent insurance agency a little slow compared to his previous life in corporate America, but he assures us that this is not the case,”I’m having a way better time meeting one-on-one with current and future clients and helping them to protect the things they love and treasure. Not having to set my alarm to 4 a.m. for a conference call to China is a huge bonus.”.
You can contact Philip at our Walden office, 845-778-2141 or via email firstname.lastname@example.org. Remember to eat locally, shop locally, play locally, and insure locally with Hudson Valley Agents!
#welcometothefamily #HudsonValleyAgents #insurelocal
There are only 4 more days left in 2016, and for that we are thankful! 2016 has been the year from hell for most of America and we find ourselves looking towards 2017 with hope and a little bit of nervous laughter. 2017 will be welcomed in with hearts filled with the hope that this will be the year we actually keep our New Year’s resolutions.
Making resolutions for the new year is something we have all done and 2017 will be no exception. An impromptu poll of Hudson Valley residents (we asked our friends and family members) shows that these are the 5 most popular Hudson Valley New Year’s resolutions:
1- Lose 10 pounds
2- Save money
3- Live your best life
4- Shop locally more often
5- Become more organized
Hudson Valley Agents can help you keep 3 out of 5 of these resolutions!
- Saving money on your insurance is easy, call, click, or stop by for a free quote on all of your insurance needs. We work with many insurance companies that offer competitive rates and many of them are located on the east coast.
- We love to shop local and we really love to insure local! We work with several Hudson Valley-based insurance companies as well as companies based in New York state. We also offer affordable insurance coverage for small businesses throughout the state. You can always #insurelocal with us!
- Organizing your insurance policies is easy with our free app for iPhone and Android users! Finding your policies, making claims, making payments, even finding your car in a crowded parking lot just became a whole lot easier.
#HudsonValleyAgents #NewYearsresolutions #insurelocal
Ensuring that you have the proper insurance coverage for your antiques is something that all collectors want, but very few actually have. Many people think that their homeowner’s policy will take care of replacing all of their possessions, especially their antiques if they experience a major loss, but most policies have limits, and if your antiques are not specifically listed on your policy, you could be in for a very unpleasant surprise. To ensure that specific items have coverage do these 4 things –
- Have your antiques appraised by a reputable appraiser. The American Society of Appraisers is a good place to start.
- Photograph and inventory your antiques. This is a terrific way to start your home inventory list! (Download our free app, it makes the process easier)
- Call your local independent insurance agent (aka Hudson Valley Agents) to discuss the best ways to ensure proper coverage.
- Relax knowing that you have the best insurance coverage in the Hudson Valley.
Still not sure if protecting your antiques is a good idea? Please watch this and then call 845-778-2141
Allow us to introduce you to HVA’s phone app! Now Android and iPhone users can start a claim, make a payment, get a free quote, find their parked car, and more just by downloading our free app. The Hudson Valley’s number one independent insurance agency just made insurance a whole lot smarter and easier.
Find out why we are the Hudson Valley’s #1 independent insurance agency, get your free insurance quote today! #hudsonvalleyagents #insurelocal
At least once a week someone will contact us with questions about insuring their gun(s). Sometimes the question refers to antique rifles and pistols and sometimes it refers to a client’s deer hunting rifle. Insuring your gun is as simple as picking up the phone and contacting your local independent insurance agent, Hudson Valley Agents.
Most homeowners insurance policies cover your firearms but only to a certain amount and that could be anywhere from $1,000 to $2,500. If the gun, or guns, in question are worth more than that then you have two options:
- Increase your sub coverage
- Schedule them as you would any jewelry or antique
Taking the time to speak to your insurance agent about your coverage is key when it comes to knowing what is covered and what is not. Do not waste money on an insurance policy that does not fit your needs! Hudson Valley Agents can ensure that your guns and your home have the proper amount of insurance coverage. Call Dave Jr today for further information 845-778-2141.
Hudson Valley Agents has adopted the #insurelocal hashtag for a very good reason, we have 5, yes 5, New York state-based insurance companies that we work with and that is a pretty big deal.
When you insure with a regionally based insurance company your rates are regionally based. For example, if your homeowners insurance is with Allstate or State Farm then you might have noticed an increase in your premiums after the California wild fires destroyed so many homes. This happens when your insurance company covers everything everywhere. A locally based insurance company’s rates reflect the risks and losses of their region and not the rest of the country.
If you would like to #insurelocal then give us a call, we work with these local companies –
- Eastern Insurance, Greenville NY, Orange county
- Preferred Mutual, New Berlin NY, Chenango county
- Utica First, Utica NY, Oneida county
- Claverack Cooperative Insurance, Claverack NY, Columbia county
- Mid-Hudson Cooperative Insurance, Montgomery NY, Orange county
Keep your money where you live, shop locally, eat locally, play locally, and insure locally with Hudson Valley Agents!
You won’t find the insurance companies we work with blasting their jingles from your radio, they don’t have cavemen or lizards for mascots, and you won’t find any spots stadiums bearing their names and believe it or not this is a really good thing. There is a reason for this – when the product that you offer has real value to the people who purchase it word of mouth can be the best advertising!
Whenever I work out of our Walden office I often hear our clients talking to Kathy and Ashley, they say things like – “I’ve never heard of Maphre before you quoted me my car insurance, but I’m really happy I went with them.” or “I didn’t know that Preferred Mutual is a New York State insurance company, talk about keeping it local!” When you call Hudson Valley Agents for an insurance quote you might not always recognize the names of the insurance companies we work with and that is why I wanted to introduce you to a few of them today.
Preferred Mutual – This Chenango county based company was founded in 1896 and they only work with independent agents. The Professional Insurance Agents (aka PIA) ranks them as the 4th top performer in New York state.
Maphre– This company began in 1972 in Webster, Massachusetts and went by the name The Commerce Group. Today they are known as Maphre and they have branched out to 19 US states.
Mercury Insurance – Mercury Insurance is a California based company and it has been in business for over 50 years.
Before HVA decides to work with an insurance company our VP, Dave Jr, looks them over from stem to stern. They have to offer his clients great insurance at reasonable prices and they must address insurance claims quickly and fairly. If an insurance company cannot give our clients the best insurance value for their hard earned money then we will not work with them.
Take a moment to get to know HVA and the insurance companies we work with and then give us a call at 778-2141. You and your bank account will be very happy you did. Low cost NY insurance that still comes with a live agent!