From the Statue of Liberty to the Museum of Modern Art and the Adirondack Trail, you have many choices of things to do and places to go in New York. But before you do anything or go anywhere you need to be sure you have the right insurance for yourself and your business. Whether your needs are large or small, an independent agent is ready to help you get the New York insurance you need.
You can get personalized insurance recommendations from a local Trusted Choice® agent. An independent agent can help you find the personal and business insurance policies you need, by shopping multiple carriers, and finding New York insurance quotes tailored to your budget. Contact one of New York's 1,287 Trusted Choice member agents today, to get started.
There are two kinds of kinds of insurance agents: captive agents and independent agents.
Captive agents represent only one insurance company. The policies they offer are limited to those carried by a single insurance provider.
Independent agents represent a number of insurance companies, which gives them many more options in addressing your needs. An independent agent can access multiple New York insurance quotes to help you obtain the best coverage at the best price.
New York is a no fault state, which means that after an accident, an injured person looks first to their own policies for compensation, or to recoup property damage losses. New York requires the registrant of a vehicle to carry a minimum of the following liability coverage:
These are minimum limits, and most drivers elect to carry much higher limits for protection against high settlement costs. In addition to minimum liability coverage discussed above, a full automobile insurance policy can provide the following protection:
A homeowners policy can pay for the full replacement cost of the home in the case of a total loss, if you have the right policy. Unfortunately, many homeowners fail to carry enough insurance to take advantage of this. The coverages offered in a typical homeowners policy are:
Every policy has limitations and exclusions, and it is always a good idea to read the contract. Some of the exclusions you might not be aware of are:
You can get flood insurance for your home through the National Flood Insurance Program. You can also get special home coverage, like earthquake insurance, and hurricane insurance, to protect your finances from natural disasters.
Putting together a business insurance plan is a job for a professional. Your best bet is to work with an independent agent who has access to several companies that can offer the New York insurance that is right for you. There are certain basic coverages that every business should consider:
These are only the basic coverages that most business will need. There are many other specialized coverages for other needs. You may find that your best plan consists of different policies from several companies.
If you are looking for life insurance the chances are you want it for one of three reasons:
Life insurance can get very complicated. There are many different types, such as term life, whole life, and universal life insurance. Also, you can buy individual policies or group policies.
The Affordable Care Act (ACA) is going into effect, and it will drastically change the American health insurance market. If you are shopping for health insurance you will have three basic choices:
This has become an extremely complicated area of insurance. It is a good idea to find an agent who understands the complexities of the marketplace and the many conditions of the ACA. If you have no coverage as of January 1, 2014, or if your coverage does not meet the minimum requirements of the ACA, you will subject to a fine.
A New York boater has access to the Great Lakes, the ocean and many inland lakes, canals, rivers and streams. Most boats in New York must be titled and registered, but there is no requirement that they be insured. Nonetheless, it is never a good idea to be on the water without adequate insurance coverage. Accidents happen. About twenty persons are killed every year in New York, due to boating related accidents. A typical boating insurance policy will cover:
Some things you can do to lessen your chances of a loss or injury:
Be aware that many policies have territorial restrictions. It is not unusual for coverage to be limited to inland lakes and waters. If you have such a restriction and you wish to use your boat elsewhere, you may need to shop for a new policy, or an addition to your current policy.
Everyone buys insurance, but not everyone is able to get the best coverage for the least cost. If you work with an independent agent you will be able to get multiple New York insurance quotes. That way you can choose the coverage that is right for you and that fits your budget.
There are 1,287 Trusted Choice member agents in the state of New York. Contact one of them today for the service you deserve.