Does your hobby need insurance?

Hobbies run the gamut from cheap and easy (reading) to wildly expensive (building stock cars), and then there’s everything in-between.  Did you know that there are scrapbook tools that cost more than $400?  We didn’t.

Think of it this way, if you have invested more than $500 in your hobby you should speak to your insurance agent about how to properly protect your hard work and financial output.  If your hobby’s costs are less than $500 you should still add those higher ticket items to your home inventory.  January is an excellent time to update your current home inventory list, don’t forget to add all your new electronics too!

Almost every hobby requires some amount of financial output, and if your hobby creates something of worth (such as jewelry making), then your investment is increased.  Ensuring that your investment has proper insurance coverage is where we come in.  Insurance coverage that actually covers your belongings is a reality.  Visit our website, pick up the phone, or just stop in for more information.

#insurelocal  #hobbyinsurance  #independentinsuranceagent  #homeownersinsurance  #hudsonvalley

 

 

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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Fall in the Hudson Valley

 

Fall is when the Hudson Valley shines!  Our trees are all decked out in their autumnal best

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Our villages/towns/cities join in the fall fun too!

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Even your local, independent insurance agency (aka us, Hudson Valley Agents) can’t resist celebrating Halloween & Fall.

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We decorate the outside of our homes,

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as well as the inside

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And we celebrate good times with friends and family,

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Fall, it is our favorite season in the Hudson Valley!  Our local Farmer’s Markets are chock full of gorgeous seasonal produce, the kids (and adults) are choosing Halloween costumes, and our backs are just a little achy from raking leaves.  When you’ve finished your fall clean up and prepping for another infamous Hudson Valley winter, it is time to reevaluate your insurance needs.  Filling in any coverage gaps in your homeowners insurance now that the springtime remodeling job is finished, taking a second look at your car insurance needs now that one of the kids has finally moved out, and bunding your motorcycle and snowmobile coverage for an added discount can all mean more money in your pocket for the upcoming holiday season.

Happy Fall Hudson Valley!  Shop local.  Eat local.  Insure local.

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

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!

 

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!

4 Things you never knew about insurance agents

 

I spoke to a woman today who told me that she is paying way too much for insurance but she will not change companies because she’s uncomfortable trusting any insurance agent to not be “a sleaze ball”, and that my friend’s is an exact quote. I told her about Hudson Valley Agents, I even went so far as to say, “Hudson Valley Agents is the Hudson Valley’s best family owned independent insurance agency!”, talk about shameless promotion! I think insurance agents have an undeserved bad reputation so today’s blog should help clean that up.

Independent insurance agents are some of the hardest working people in the insurance business and perhaps it is time we acknowledged this fact. Before one can actually call themselves an insurance agent they have to learn the business, they have to study and pass a state licensing test and have hours of continuing education to keep that license. They need to be versed in many different types of insurance and have a well honed business sense. They must calmly and compassionately help clients who have just suffered a tragedy (house fire, car accident, death of a loved one). They are part financial planner, part counselor, part insurance law expert, and part business person all rolled up in one.

When you look for a new independent insurance agent there are things you need to keep in mind –

1- It isn’t all about money. A good insurance agent will find you the best coverage available even if it is with a company that pays the agent a low commission. The client must come first.

2- They have to give above average customer service. Normally people only speak to their insurance agent when they first purchase their policy, when they need to add or subtract something from their policy, or when they need to make a claim. They have only two or three interactions in which to make a positive impression. When a client needs to make a claim or change their coverage they expect to be taken care of promptly and professionally so good customer service is the key to repeat business.

3- You need to be pretty darn smart to be an insurance agent. Life insurance, business insurance, auto insurance, homeowners insurance, boat insurance, classic car insurance, vacation insurance, wedding insurance, and many, many other types of insurance policies are sold by the same agency and your agent should be able to answer any question you have about any aspect of your policy.

4- Independent insurance agencies are usually a family affair. Our agency is a father and son agency and together they have several decades of insurance knowledge. When something is part of your family you work harder for it. Your business reputation and your family reputation go hand in hand.

Remember the lady I spoke of in the beginning of the blog? She just called me and asked for Hudson Valley Agent’s phone number (845-778-2141). She told me that if anyone could speak so highly of her insurance agent then they must be worth looking into! When you find a great insurance agent it’s kind of hard to keep quiet about it so if you love your insurance agent tell a friend or two and share the love. Hudson Valley Agents is the Hudson Valley’s best family owned independent insurance agency. Let them show you that the best insurance in the Hudson Valley can be found at Hudson Valley Agents.

2 thoughts about online car insurance

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Have you ever taken the time to read your current insurance policies? Unless you are fluent in insurance lingo simply attempting the first page is an exercise in frustration. It seems that “A” is always covered unless “A” is caused by “B” or “C”, if “C” or “B” occurs then “A” is not covered, it is enough to make any educated brain spin out of control. If you don’t have an insurance background you could easily find yourself with substandard insurance coverage.

Having substandard insurance coverage is one of the drawbacks of purchasing your insurance online and that could be financially devastating. The convenience of insurance shopping in our pajamas is wonderful, wonderful if you fully understand what it is you absolutely need covered. Insurance policies are legally binding contracts, shouldn’t you know what you are getting into? Without prior insurance knowledge finding out if you have the correct amount of insurance coverage is next to impossible and finding out that your insurance is simply a liability only policy after you’ve been in an accident could cost you thousands of dollars. Websites that offer you insurance without explaining exactly what your policy covers can leave you with a policy that has a higher than average deductible or one that does not offer new car replacement.

You cannot judge the quality of your insurance coverage by your monthly premium. When people shop for insurance online I find that many just look at the cost per month and not how much coverage that amount of money covers. Not all insurance companies, or insurance policies, are created equal so comparing rates without also examining the coverage gives you an incomplete insurance picture. How can you make an educated decision without having all the information? You can’t. This is why having a living, breathing insurance agent is important.

When you sit down with an independent insurance agent at Hudson Valley Agents you are sitting down with decades of insurance experience and the ability to shop multiple insurance companies to find you the perfect insurance fit. HVA offers personalized insurance that still comes internet access, the best of both worlds! You could choose to buy your insurance through a cartoon general or a company that was born online and risk not having the coverage you thought you had, or you could have the right amount of insurance coverage through a family run independent insurance agency that works with NYS based companies. Pay an anonymous big name corporation or support a local small business? Don’t be one faceless many that are willing to accept substandard insurance coverage, give HVA a call today.