Homeowners: If you own a home or rent an apartment you will need insurance that protects your property and material items against unforeseen events.  Homeowners insurance can protect you against peril such as a fire, a theft or the injury of an individual on your property.  Every insured has different needs and our helpful and knowledgeable staff will give you personalized attention so you and your agent can explore every possible option, assuring you the most complete coverage for the price.

 

Automobile: Driving without car insurance is illegal in New York State.  Insurance protects you and others from financial ruin in the event of an auto accident.  Our insurance experts can walk you through the types of automobile coverage and propose a policy that not only meets your individual needs but keeps you protected financially.

 

Umbrella: Most Homeowners/Automobile policies include liability protection up to a certain amount specified in your policy.  If someone gets injured on your property or in an automobile accident where you are at fault you could be held liable by a court of law for damages. Your Homeowners/Automobile liability coverage would pay for those but only to a certain amount.  An umbrella policy will cover the damage above what your other policies are willing to pay.

 

Scheduled Items: Scheduled Personal Property will help protect your valuable personal property.  A certain amount of coverage for personal property is available under your Homeowner’s insurance but this protection has certain limits.  Scheduling your items provides complete coverage for jewelry, furs, fine arts, silver, cameras, musical instruments and sporting equipment.