Financial Planning And Your Insurance

October is Financial Planning Month, and we want you to know how important your insurance agent is to this plan.

Your insurance agent is a smart cookie, seriously, especially if they are an independent rather than a captive agent. Captive agents can only sell you the insurance policies that their company offers; State Farm and Geico are examples of captive agencies. Independent agents write policies with MANY different companies. That ensures that you have coverage that can be customized to fit your individual needs.

1- Life Insurance. This one is obvious. Planning for your family’s future MUST include Life Insurance. Want to make sure that your family can continue to thrive and survive after you are gone? Call us for a stressfree Life Insurance quote.

2- Homeowners Insurance – If you have a mortgage, you have to have Homeowners coverage, but when was the last time you had it checked out? Upgrades to the home change the cost of what it takes to rebuild it if your house becomes damaged. You may have updated your kitchen with a natural stone flooring, but your homeowner’s policy was written way back when you had linoleum, and that’s what they are going to pay to replace.

3- Renters Insurance. Your Landlord’s insurance does not cover your couch or your laptop. Renters Insurance is surprisingly inexpensive, and most companies will discount your car insurance if you purchase both policies. Total win/win and smart financial planning.

4- Disability Income Insurance. Should you become injured or ill and unable to return to work, this policy has your back.

For more ways your independent insurance agent can help you plan for your financial future, give us a call. 845-778-2141. Hudson Valley Agents has 30+ insurance companies to work with, 30 years in the business, and outstanding Google reviews! Find out what a difference an Independent Insurance Agent can make, call, click, or stop by and say Hi.

Is Your Insurance Ready For The Rest Of 2020?

September is National Preparedness Month, and we want to help you prepare for the rest of 2020.

The Hudson Valley is at the beginning of a many month-long stretch of potential disasters. Don’t believe us? Take a look:

Hurricane Season for the Northeast begins in June but generally does not impact the Hudson Valley until late August into November. The high winds and rain bring down trees and powerlines, sometimes both, and sometimes on top of your house.

House fires are more prevalent from November thru the end of December. First time using the fireplace, lots of cooking and baking for the holidays, and don’t forget about all of those holiday candles!

January through March brings the potential for below zero days, high winds, ice storms, and blizzards. There is a much higher potential for frozen pipes, increased risk of fire from space heaters, and the possibility of long periods without electricity.

Then Spring rolls around and brings flooding. Flooded basements can breed mold problems. Most insurance companies give limited at best coverage for mold or Fungai damage and abatement, and homeowners’ insurance policies are not designed to cover you for a flood loss.

Because there are hundreds of insurance companies and multiple different coverage forms for them to choose from, the chances of you having coverage for every possible catastrophe is next to impossible.

If you are one of the 80% of people who have a standard HO3 policy, give us a call. We will look over your current homeowners’ policy, tell you where your potential inadequacies are, and give you the options to fill in those gaps.

The best part of all of this, the absolute cherry on top of this insurance sundae surprise, is this-
*Because we provide home insurance from more than 15 different A-rated insurance carriers, we can help fill in those gaps and save you money in the process!

We can offer you quotes from more than 15 different A-Rated insurance carriers, FIFTEEN! Many of our clients find that they can lower their monthly rate AND increase their coverage. Being prepared never saved you so much money!

Better coverage, lower rates, and 24- hour service. You can request a quote online or over the phone. 845-778-2141 #safeathome #homeownersinsurance

So you’ve moved to Kingston, now what?

Uptown Kingston NY

Hi, welcome to Kingston!

Hudson Valley Agents has a small presence in Kingston, small but mighty! Our boss, David, and our social media manager, Lisa, have been Kingston residents since 2013, and they are happy to be your guide to the best that Kingston has to offer. Today we are talking about furniture, fixtures, and home decor. You bought the house, now you have to make it your own and these places are where you should start.

We miss cruising the Hudson on the Rip Van Winkle!

Let’s start with the waterfront. EVERYONE wants to be here in the summertime, everyone, so expect crowds when the sun is shining. Bring home a fresh look for your new home and stock your pantry at Clove & Creek. There is always something new and unique at the Folk House Collective, and you’ll be supporting local artists as an added bonus!

Mural by Matthew Pleva

Uptown Kingston is where the action really is, and they keep that energy going all year long! Museums, so many restaurants, shops, parks, I could keep going and going. Looking for some home decor for your new place? Stuff or Kingston Consignments should be your first stops.

Brushworks Factory mural

Mid-town Kingston is where the magic really happens! If this city had a creative heartbeat, you would hear it here. Zaborski Emporium is the place to find everything you need to remodel your vintage home. You never know what you’re going to find there! Looking for something with a more updated feel? Blackcreek Mercantile & Trading Co. is the place to find the perfect serving board or andirons.

Covid-19 has changed a lot of things, including business hours. Check websites and social media before you head out. Please remember your mask.

Welcome to the neighborhood, we are so happy to meet you all! Next week we will share our favorite restaurants, hidden gems, best parking spots, and shortcuts to get you around the city with ease. We can tell you where to find a bagel that rivals the best Brooklyn has to offer and save you time and money on your insurance in the same phone call. It’s that easy. 845-778-2141 or hvagents.com or business@hvagents #insurelocal

Creating Your Outdoor Space? Call Your Insurance Agent!

Hi there, Hudson Valley! Was that a gorgeous weekend, or what? We know that many of you spent the weekend in your garden, planting, cleaning up, maybe putting up a tire swing, or a gazebo, or even building a new deck… any of that sound familiar?
You want your garden or patio area to be an oasis, especially with so many of us spending our time at home now, and it takes time and money to create that. But what changes should your insurance agent know about?
1- Call your agent if you are adding any detached structures to your yard to ensure coverage if damaged.
2- Call your agent before buying a trampoline to clarify coverage or lack thereof.
3- Call your agent if you have built an outdoor kitchen, you will need to discuss adding it to your current coverage.
4- Call your agent if you want to add tree removal to your policy, this may not be covered by most standard homeowners policies.


Your outdoor space is just as important as your indoor space, and it needs the same insurance protection. Hudson Valley Agents can help with that,
just call 845-778-2141 today!

Get To Know Ashley, Our Car Insurance Guru!

If you have ever called 845-778-2141, or stopped by our office in Walden, then you have more than likely met Ashley Berry.

Ashley has been with Hudson Valley Agents since 2013. If you have car insurance, homeowners insurance, renters insurance, or motorcycle insurance with us, then you have spoken to her or met her at our office. She handles our personal lines, and she is one of the very best in the business.


We thought it would be fun to sit her down and interview her about life, insurance, and the holidays.

Question – Is being an insurance agent boring?
Ashley – LOL! It actually isn’t. I really enjoy helping my clients find the right policy for their needs, I would want someone to do the same for me.
Question – What is the one thing that you want your clients to know about your job?
Ashley – Quoting insurance takes time. I really want to ensure that my clients have the best coverage for their dollar, and we work with 30+ companies.
Question – If you were not an insurance CSR, what would you be?
Ashley – I would be a meteorologist!
Question – What is your favorite movie?
Ashley – “Better Off Dead” I want my $2!!!!!
Question – What is your favorite holiday?
Ashley – Thanksgiving! Can’t go wrong with food and family.

Ashley’s customer service is legendary. Seriously. Just go to Google and check out the reviews for Hudson Valley Agents, we’ll wait.

See! Ashley is personally mentioned over and over again as someone who makes insurance a pleasant, dare we say enjoyable, experience.

Find out what she can do for you, call, click, or stop by. We’re always here to help. #HudsonValleyInsurance #insurelocal

3 Things You Must Do To Protect Your Home This Winter.

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

Welcome To Insurance That Actually Makes You Smile!

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

Does My Homeowners Insurance Cover My Broken Stove?

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

Top 4 Homeowners Insurance Claims In The Hudson Valley

The leaves are turning and the nights are getting chilly, welcome to fall in the Hudson Valley!

Preparing for winter is a top priority for Hudson Valley homeowners because our winters can be brutal and no one wants the added annoyance of having to call their insurance agent to start a claim.  Here are the top reasons that homeowners in Kingston and Poughkeepsie make claims on their homeowners’ insurance during the winter months-

1- Exterior Wind Damage.  If a tree falls on your home or car due to high winds, 9 times out of 10 your insurance will cover the removal.  If a tree falls across your driveway or just on your lawn, regular insurance WILL NOT cover removal, an additional endorsement can be purchased to cover this.

2- Plumbing or appliance water damage.  This one is not as clear-cut as you might think.  Your homeowner’s insurance will cover the water damage done to your home if your pipes burst or your dishwasher decides to flood your kitchen, what it will not cover is the repair of the pipes or dishwasher.  Taking steps to avoid frozen pipes is the homeowner’s responsibility, not the insurance company’s.

3- Hail damage.  Covered by homeowners insurance.

4- Ice and snow damage.  You are responsible for maintaining your roof and gutters by keeping them in good repair and clear of debris.  If the damage to your home is due to the weight of snow and ice, you’re covered.  If the damage to your home is due to an ice dam because you haven’t cleaned your gutters in 5 years, then your claim will be denied.

Insurance is a legally binding contract between the homeowner and the insurance company.  If you are unsure of what your current policy covers and what it doesn’t, give Hudson Valley Agents a call.  We want every Hudson Valley homeowner, from Westchester to Albany, to have the best coverage the insurance industry has to offer and at affordable prices.  #insurelocal  #HudsonValleyInsurance

Is Your Insurance Ready For Hurricane Season?

As I write this Hurricane Florence is predicted to hit the Carolina’s, and evacuation plans are already in place.  We truly hope that everyone in its path remains safe.

Hurricanes rarely impact those of us in the Hudson Valley, but remember Hurricane Irene and all the damage that arrived with her?  When the winds and rains hit, they leave behind destruction that the average homeowner never expected and many people find that their insurance does not cover some pretty major expenses.

We want our fellow Hudson Valley residents to be prepared, everyone from Westchester to Albany should know what their insurance will and will not cover in the event of a hurricane.

HOMEOWNERS-

  • Flooding.  Flooding by rivers, ponds, and lakes are only covered if you have already purchased a separate flood policy.
  • Tree removal. You must purchase a separate endorsement to cover this.
  • Back up of sewer and drains.  This is not standard on every homeowners policy, but many independent insurance agents will make sure they add it on.  Double check your policy or contact your agent for details.
  • Mold removal.  Mold removal is complicated, it is usually covered by insurance but your agent needs to discuss the hows, whens, and whys.

CAR INSURANCE

  • Flooding.  This is covered by the Comprehensive part of your Comp and Collision coverage.  If you are carrying the New York State minimum amount of insurance coverage, then all costs to fix this will be out of pocket.
  • Damage to your car by falling trees.  This is also covered by the Comprehensive portion of your Comp and Collision coverage.  Everyone else will have to pay their repair bills out of pocket.

Many insurance companies will not allow you to add extra coverage to your existing policy if there is a storm predicted to hit the area.  The best time to purchase additional insurance coverage is before the event is predicted, not afterward.

The time to ensure that your home and car is properly insured is right now, not the day before the hurricane is supposed to hit, we can help with that.  Call Hudson Valley Agents today for fast, friendly, affordable insurance coverage that actually covers what you need covered.