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

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

Top 5 New Year’s resolutions in the Hudson Valley

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

Big name insurance that comes with a small town agent

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You do not have to go online to insure your car, boat, or motorcycle with one of the big insurance companies like Liberty Mutual or Progressive Insurance! I mean you can, but why? Hudson Valley Agents can do everything an online insurance company can do, and then some.

Let’s talk about the differences between getting your car insurance directly from the company versus purchasing car insurance through Hudson Valley Agents:

DIRECTLY FROM THE COMPANY

  • You can shop for car insurance from your couch
  • Quick and convenient
  • Online bill pay
  • Helpful free app
  • No assistance comparing previous coverage to current coverage
  • No way to know if another company would be cheaper
  • Does not come with an “insurance speak” translator
  • No way to know if you are under insured or over insured
  • Good customer service

HUDSON VALLEY AGENTS

  • You still do not have to leave your couch
  • Also quick and convenient
  • Same access to online bill pay
  • We have a free app too, bill pay, claims, find your car, and more
  • We put our decades of insurance knowledge to work helping you choose the best coverage for your insurance needs
  • We work with 20 different insurance companies, some of which are located right here in the Hudson Valley, and we do the rate shopping for you. By the way, we also write insurance through those same big online companies like Progressive Insurance and Liberty Mutual.
  • We eat, sleep, and dream in insurance speak, and we know how to translate it too
  • Finding you the right coverage is what we do best
  • We offer an excellent customer experience
  • We can accept payments at either of our two locations (Walden or Middletown) Monday through Friday, 9 am to 5 pm, and we usually have candy at our desks (just saying…)

Progressive Insurance and Hudson Valley Agents are working together to bring the best auto insurance to everyone in the Hudson Valley! Find out what makes us different, call, click or stop in today.

#insurelocal #HudsonValleyAgents

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Insurance that comes with an independent agent and a free app!

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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.

HVA app free for boosting

Find out why we are the Hudson Valley’s #1 independent insurance agency, get your free insurance quote today!  #hudsonvalleyagents  #insurelocal

We took a cruise on the Hudson river and so should you

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It was a phenomenal weekend for boating on the Hudson river wasn’t it?  The Bonne family took a ride on the Rip Van Winkle (Hudson River Cruises) and had a blast!

Did you know that there’s an old barge graveyard in Kingston?

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The Rondout Lighthouse

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Just look at this view!

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Taking a boat ride on the Hudson River is something that every Hudson Valley resident should experience at least once in their lifetime.  Just be prepared to be bitten by the boating bug because once you see the Hudson Valley from a boat, you’ll find yourself pondering a purchase or two, just ask Dave Jr!

Dave Sr and Dave Jr do not own any sailboats, power boats, or fishing boats yet (yet being the operative term), but they certainly know how to write insurance for them!  The Dave’s have been insuring the Hudson Valley’s boats and personal watercrafts for 25 years, and their rates are the best in the business.  Call Hudson Valley Agents (845-778-2141) today and they’ll find you the best boat insurance coverage on the Hudson River!  #insurelocal

Oh, and should you happen to call our Middletown office (845-673-5515) to speak to Dave Sr, please mention that included in this blog post is the photo he saw while on the Rip Van Winkle that he suggested we use in today’s blog post-

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5 ways to #insurelocal with HVA

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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 –

Keep your money where you live, shop locally, eat locally, play locally, and insure locally with Hudson Valley Agents!

 

3 Things you need to know about Boat Insurance

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Before you know it you will be seeing boats and all sorts of personal watercraft on the Hudson river.  Now is the time to think about your boat insurance!  Here are 3 things you need to know –

1- Not all boat insurance is created equal.  Some policies cover towing (both on the water or on a boat trailer), some policies cover your fishing tackle too.  Talking to your insurance agent about what you need and what you want covered is important.

2- Your homeowners insurance might cover some boating insurance issues but it will not cover all of them.  In 2003 alone there was $39 million dollars worth of damage done to and by privately owned boats and personal watercraft.  Having the correct type and amount of insurance is important.  BTW- personal watercrafts need insurance too.

3- Not all boating accidents occur on the water.  A boat or personal watercraft that is not secured correctly when being towed can cause very real and very costly damage that your auto insurance might not cover.

Before you put your boat in the water for the first time you need to make sure that you have it properly insured!  Boat insurance through Hudson Valley Agents is the best way to ensure that you, your fishing tackle, and your guests are well protected.  Enjoy the 2016 boating season,  wear your life jacket, follow the boating rules, and insure locally with Hudson Valley Agents.

HVA can help you keep 2 of your New Year’s resolutions

HVA save money in 2016

Since we all have New Year’s resolutions on our minds I thought I would blog about the one I’m having the toughest time with, saving money.  I’ll bet that saving money is one of your New Year’s resolutions too so it only seems natural that I share one of the easiest ways to do it.  Get your life, auto, home owners, and business insurance policies reevaluated by an independent insurance agent.  This is one very simple step that has the potential to save your family thousands of dollars a month and all you have to do is pick up your phone.  Seriously, it is that easy.

An independent insurance agency like Hudson Valley Agents, has the insurance knowledge and the access to many different insurance companies needed to find the perfect insurance coverage with an affordable monthly rate.  No need for you to shop online and cross your fingers that you are buying the right coverage for your insurance needs, we’ve got you covered.

Is one of your New Year’s resolutions to shop locally more often?  Hudson Valley Agents can help with that as well!  Not only are we a small Hudson Valley business we also work with many New York state-based insurance companies.  Keeping your money in the Hudson Valley and New York state is just as important to us as it is to you.

So there you have it Hudson Valley, 2 great ways that Hudson Valley Agents can help you keep your New Year’s resolutions!  Looking to save even more money in 2016?  Liberty Tax shares office space with Hudson Valley Agents in our 731 Rt 211 East, Middletown NY office, call 673-4300 for an appointment today.  #shoplocal #insurelocal #hudsonvalleyagents #youbelongatliberty

Don’t be held captive by your insurance!

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When you hear the word “captive” what is the first thought that comes into your head? Is it of a prisoner stuck behind bars with no freedom and no choices? That is the image that most people come up with, and why wouldn’t they? Merriam-Webster defines the word captive as – “taken and held as or as if a prisoner of war” or “kept within bounds or confined”. Neither definition has a positive ring to it. So why would anyone consider purchasing insurance through a captive agent?

A captive insurance agent is an insurance agent that can only offer you insurance the insurance options that their company offers. State Farm agents can only offer you the choices that State Farm has to offer and an Allstate agent’s rates are only as low as Allstate allows, their agents cannot look outside of their insurance company to find you insurance coverage that might better fit your needs. When you are talking about insurance the word captive means – NO CHOICE. We live in a world full of choices, why would we choose an insurance agent that has no choices at all?

Hudson Valley Agents is an independent insurance agency. We work with many different insurance companies (many of which are New York State based) and because we are independent we can find you an insurance policy that fits both your needs and your budget. We offer insurance choices that benefit our clients and all of the insurance companies we work with have an A- rating or better on AM Best.

We live in a world of choices and if your one size fits most insurance company doesn’t offer you something different from the rest then make the smart choice and go with a local independent insurance agency like Hudson Valley Agents. Don’t be held captive call HVA today!