Personal Insurance

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Auto

Auto insurance is required by law in New York State. As an independent agent, we can select from several companies to determine the right coverage and pricing for you.

Rates are determined by several factors:

  • Business, Commute, or Pleasure use
  • Year, Make, and Model of vehicle
  • Driving record
  • Coverage limits

Automobile Coverage included:

  • Liability for Bodily Injury and Property Damage
  • Personal Injury Protection (PIP)
  • Comprehensive and Collision Insurance
  • Supplemental Coverage (Uninsured/Underinsured Motorist, Medical Payments, Rental reimbursement)

Auto Insurance credits can be earned for the following:

  • Safe driving record
  • Low annual mileage
  • Defensive Driving Certificate
  • Multiple vehicles with same company
  • Coupling auto with homeowners insurance
  • Vehicles equipped with Airbags, Anti-Lock Brakes, Anti-theft, and Daytime running lights.

Home

Your home is likely the most important investment you will ever make. For this reason, we can work with you to determine how much insurance is needed to rebuild or replace your home and your valuable possessions should they be destroyed or damaged.

Before purchasing home, or renters insurance, consider the following factors:

  • Home Replacement Cost (the cost to rebuild)
  • Replacement cost on contents (document personal belongings)
  • Personal Liability Limit

Homeowner Insurance credits can be earned for the following:

  • Smoke Alarm
  • Burglar Alarm
  • New Home Credit
  • Non-Smoker Credit
  • Coupling homeowners with auto insurance

Contact us regarding your Personal Insurance needs