Get To Know Kathy, Our Commercial Lines Agent.

Finding a job that you want to do for the next thirty years of your life is almost impossible, impossible, but not undoable. Kathy Livingston started working for Hudson Valley Agents in October of 1990. She is still here and is an invaluable asset to the running of our office.

Kathy handles our commercial lines, workers’ compensation insurance, commercial auto insurance, Business Owner Policies, and more. If you need insurance for your small business, there is no one better qualified to help you than Kathy.

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?
Kathy – It is never dull. So many different things to do in a day and having to keep up with all the company changes. Taking calls, quoting, making changes to policies, and making sure that all the companies are completing what is requested.
Question – What is the one thing that you wish your clients knew about your job?
Kathy – That it can sometimes become more hectic than anyone could imagine. People think of an insurance office, and they automatically assume that it is dull and slow-paced. It can be a real zoo sometimes, so please be patient with us.
Question – What is your favorite thing to do when you aren’t at work?
Kathy – Just one? I love to spend time with my grandchildren, bake, and garden.
Question – What is your favorite movie?
Kathy – Sweet Home Alabama
Question – What is your favorite holiday?
Kathy – Christmas. Time for family and friends to be together, and I love the decorations and lights.
Question – If you were not in the insurance industry, what would you do?
Kathy – After 30 years, that is hard to say, but I think something in a hospital caring for people.

Kathy has a very loyal following with the many contractors who insure with Hudson Valley Agents. She knows how busy they are, that time truly is money, and that when someone needs a certificate of insurance, they need it NOW.

Your small business deserves the personal touch that an independent insurance agent offers. Kathy and the rest of the HVA staff can help protect your largest financial asset, your business.

#insurelocal #HudsonValleyInsurance

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

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

We Love InsuringClassic Cars!

July 12, 2019, is Collector Car Appreciation Day!

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

Happy Insurance Awareness Day!

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

Keeping It Local In Walden NY

In October of 1990 a father and son decided to open up a little independent insurance agency in Walden NY.  Walden has a little something for everyone, as this video shows-

But, what makes this the perfect spot for us is simply this – Location.  From here we can personally reach out to some of our hyper-local insurance companies.  Kingstone, in Kingston NY, Mid-Hudson Co-Operative, in Montgomery.  We’re also close to the NYS Thruway, and that makes reaching our other NYS based companies a breeze.   The internet and telephone are easy ways to keep in touch, but that personal touch means so much when it comes to building relationships.

Keeping things local is important, local companies mean working with local risks, and that means things like wildfires in California will not increase insurance rates in the Hudson Valley.  Lower rates, local risks, and local funds being put back into the local economy.  It’s a win/win for our clients, our companies, and us.

Ensuring that the residents of the Hudson Valley have affordable, well-written insurance coverage for their homes, cars, and businesses is what we do, we’ve been doing it for 28 years now.

Need help with your workers’ compensation insurance?  We work with companies that offer real-time tracking, and that can be a huge game changer for independent contractors!  Need an insurance certificate for your next construction job, just go to our website and request one, easy as pie.  We make it our business to ensure that your business runs smoothly and can get back to work ASAP should disaster strike.  Call us, email us, go to our website for a free quote, or stop by and say “Hi”, we love to meet our neighbors.

Happy Friday Hudson Valley!  #keepitlocal  #shoplocal  #insurelocal  #explorelocal

Teen Driver Safety Week

Do you know what the #1 cause of death is for teens in the USA?  Car accidents.  Why do teens tend to have so many fatal car accidents?  This video has some of the answers-

Parents have a huge responsibility when it comes to their teens getting behind the wheel, responsibility, and fear.

Never fear!  We know of an outstanding defensive driving course, we offer affordable first-time driver insurance coverage,  and there are THE RULES

Making sure that your teenager has affordable, quality car insurance is just one of the things that we do really well, and we know all of the tips and tricks to “insure” that you have the coverage you need.  If you have questions about insuring your teen driver, give Hudson Valley Agents a call, 845-778-2141.  #teendriversafety  #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.

The Truth About Dogs and Your Homeowners Insurance

“A dog is the only thing on earth that loves you more than you love yourself.” – Josh Billings

Some say that we didn’t domesticate dogs, they domesticated us, and there is some truth to that. They have moved from our fires to our couches, and that is just fine.  Unfortunately, many insurance companies are not as willing to accept our canine companions as we are, but do not let that stop you from adopting one!

Here’s the truth about dogs and homeowners insurance:
1- Ownership of certain breeds of dogs will cause your homeowners’ insurance to be canceled. If you adopt a dog that looks like a Pit Bull or an Akita your insurance company will assume that it is a purebred and cancel your policy.
2- Most dogs in shelters are not purebred and may only resemble a Pit Bull or Akita, or a Doberman. Canine DNA tests cost less than $100 and often prove that the dog in question is actually a beagle/labrador mix and not a Pit Bull at all so that you can keep your dog and your homeowners’ insurance too.
3- There are options for those who live with Pit Bulls, German Shepards, and other dogs on the “bad dog list.” Some companies will still write your policy, but exclude coverage for dog bites or damage caused by your dog. You may be able to purchase a particular policy to cover those instances.
4- You are responsible for your dog’s behavior. Children are most often the recipients of dog bites, and inadequate adult supervision is often the reason. Most dog bites can be prevented if owners are paying attention.

“The average dog is a nicer person than the average person.” – Andy Rooney

Take some time this weekend to visit some of your local animal shelters, the UCSPCA, DCSPCA, or Hudson Valley SPCA. If you find your new best friend and are unsure if your current renters or homeowners policy will cover them give us a call, we can help. We believe that mans best friend belongs in the house, not at a shelter. Adopt, don’t shop. Contact Hudson Valley Agents at 845-778-2141 for further information.
#adoptdontshop #homeownersinsurance #hudsonvalleyinsurance #hudsonvalleyagents