A properly built homeowners policy in the Hudson Valley includes an accurate rebuild cost on the home, at least $1,000,000 in liability protection, the broadest available coverage form, replacement cost on your belongings instead of a depreciated payout, and a…
A properly built auto policy in the Hudson Valley starts with at least $250,000/$500,000/$250,000 in split liability limits, though we prefer $500CSL or $1MM CSL in combined single limit coverage. It also includes full Additional Personal Injury Protection, comprehensive and…
New home buyers need a policy that does more than get them to the closing table. It has to survive a carrier inspection that shows up within weeks of moving in, and it has to be built by someone who…
In our owner’s nearly 30 years as a licensed agent placing homeowners coverage with New York regional carriers, we’ve never personally seen it happen, and we’ve never seen a resulting lawsuit either. The lowball stories that make headlines are almost…
Because New York law generally prohibits insurers from pricing a policy for one individual in isolation. Insurers have to group similar drivers together and price by group, and a credit-based insurance score and geographic territory are two of the most…
An insurance score is a credit-based number insurers use to help decide whether to offer you a policy and what to charge for it, separate from your regular credit score. In New York, it’s tightly regulated. Insurers can’t use certain…
