Comfort Television, What Are You Watching?

The new normal for Americans in the time of Covid-19 is still evolving, but there is one thing that most of us are doing to beat the self-isolation blues – Watching TV.

When things get anxious, comfort television is one way to ease our minds and help us relax. Here’s what we’re watching:
Kathy – Big Valley and Bonanza
Ashley – Friends and How I Met Your Mother
David – Star Trek and Letterkenny
Lisa – The Office and Twin Peaks

These shows are the anti-news, the break you can take from dealing with the stress of the unknown that we are all facing right now. It seems as though, every time you open social media or turn on your television, there is another closing, another shortage, and no real end in sight for any of it. It becomes too much to bear, and that is why we turn on the television.

Shows like The Golden Girls, or Parks And Rec only take a half an hour to watch, even less without those pesky commercial breaks, and when the credits start to roll, we are smiling once again.

We would love to hear from you, what comfort shows are you watching while self-isolating? We would love to find something new to watch! Did you know that you could have a Netflix Party with this extension to Google Chrome? Now you can curl up on your own couch and watch your favorite shows with friends and family, and you don’t have to share your popcorn! BTW- if you have any suggestions for popcorn toppings, share them with us!!

We know that your car insurance or your homeowner’s insurance is not top of mind right now, you have more significant worries in your life like trying to find toilet paper or helping your kids learn how to adapt to the changes in their routine. This is not the time to try to sell you anything.  We want to be here for our clients and our social media followers and help them through these uncertain times.

If you have questions about your current insurance coverage or are one of those people who find yourself out of work and need to lower your insurance costs, then please give us a call. We are in the office and the phones are ringing. David, Kathy, and Ashley can handle anything that you need via phone, email, and fax. They know that you have a lot on your plate right now, worrying about your insurance shouldn’t be one of them, we are here to help.

Please stay safe and stay healthy Hudson Valley, we’re all in this together. #flattenthecurve

Remembering The Year 2000

Remembering The Year 2000

Tomorrow begins a brand new decade, and that has us all feeling a little nostalgic. We can’t help but find ourselves looking back on where we were ten years ago; it’s just what happens at this time of the year.  

Here’s what we were doing way back in 2000:


1- How did you spend New Year’s Eve 2000?

New Years’ Eve 2000 was spent at home with a gathering of family and friends. Only worried a little about Y2K at the office with the computers.

2- What were you watching on TV?

My favorite TV show was a tie, ER and Everybody Loves Raymond

3- What is the best thing that has happened to you since 2000?

The best thing that has happened to me since 2000 is the birth of seven grandchildren!


1- How did you spend New Year’s Eve 2000

I was at a y2k party waiting for the power to shut down since that’s what the whole world thought was going to happen.

2- What were you watching on TV?

Friends, and The Soprano’s with my dad on Sundays.

3- What is the best thing that has happened to you since 2000?

Learning to be independent.


1- How did you spend New Year’s Eve 2000?

Partied on the strip in Vegas.

2- What were you watching on TV?

I can’t remember what my favorite TV show was 2 years ago.

3- What is the best thing that has happened to you since 2000?

Meeting and marrying my wife, Lisa.  

The world can change a lot in 20 years; your insurance should too. Make one of your New Year’s resolutions to call for a free review of your current insurance policies. Being over-insured is just as costly as being under-insured. Find out what a difference an independent insurance agent can make for your insurance coverage and your budget, call Ashley, Kathy, or David today. 845-778-2141

an image of Kathy Livingston, David Bonne, and Ashley Berry.  Staff photo
Kathy, David, & Ashley

#insurelocal #HudsonValleyInsurance #HudsonValleyAgents

We’re Trying To Figure Out If Santa Needs Commercial Auto Insurance Or Airplane Coverage…

Ashley celebrating National Ugly Sweater Day!

The holidays are here and everyone has a lot on their plate. Gift wrapping, tree trimming, cookie baking, we get it.

But have you ever wondered what your insurance agent thinks about during the holiday season? We think about Santa Claus. We think about Santa Claus and what it would be like to insure him. We even made a video about it!

The horror of trying to write commercial auto insurance for Santa Claus

Would Santa’s sleigh qualify as a sled or as aircraft? Can we get coverage for the reindeer? How do we send an inspector to examine his workshop, even Google Maps can’t find Santa’s workshop! Don’t get us started on Workers Comp Insurance coverage for the elves…

If Santa Claus needed insurance we could find it for him, for him and all of his elves too. We’re just that good.

Happy Holidays Hudson Valley, may all your days be merry and bright.

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

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

The Financial Cost Of Distracted Driving In NYS

Our recent road trip to Albany began at Exit 19 on the NYS Thruway. From the time we merged onto the Thruway until we reached Exit 22, my passenger (copilot) counted 14 people texting/talking/looking at their phones. That’s when she stopped counting.

The Governor’s Traffic Safety Committee defines distracted driving as this –

“According to a study conducted by the National Highway Traffic Safety Administration (NHTSA), driver inattention is defined as one of the following:

  1. Driver engagement in secondary tasks (those tasks not necessary to the primary task of driving)
  2. Driver drowsiness
  3. Driving-related inattention to the forward roadway
  4. Non-specific eye glance away from the forward roadway.”

Checking on your toddler, applying lipstick, drinking your morning cup of coffee, changing the radio station, or picking up your phone can count as distracted driving. Out of all of these things, the most significant culprit is your phone.

Let us talk about the financial impact of distracted driving.

If you should be caught using your phone while driving, you can expect the following things to occur:

1- If convicted, you will be charged a fine of anywhere between $50 – $200, this does not include court surcharges that can be as high as $100.

2- If convicted, you will have 5 points added to your driver’s license. Eleven points earns you a suspended license.

3- If convicted, your car insurance rates will increase exponentially. We’re talking astronomically high insurance rates.

There are several apps that help parents handle their teen’s distracted driving, and they are helpful, but nothing beats teaching by example.

We love our clients, and that’s why we want the best for them. So, please put down the phone when you are behind the wheel. Drive safe Hudson Valley. #itcanwait #carinsurance #HudsonValleyInsurance #distracteddriving

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

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