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How Umbrella Insurance Adds to Your Liability Coverage

Posted on December 31, 2024January 5, 2025 by admin

Umbrella insurance is a great way to get some of the extra coverage you need to go with policies that you already have. It works on two other policies to give you more of the liability coverage that’s so needed in today’s world. With a litigious society and accidents common, it’s always best to be well-protected with liability coverage. To get started with an umbrella policy of your own in New York, call us now at Kimberly J Brennan Agency in Patterson, NY.

Home and Auto Policies and Liability

Your home and auto policies each have several kinds of coverage. One of these is a layer of liability coverage. This protects you in case of an accident. It pays for the damage done to someone else and/or their property. Having this in both policies is essential, but home and auto insurance often don’t have enough of this coverage. This leads many people to get umbrella insurance. It gives you more liability coverage for both of those other policies at once. This leaves you much better protected against the high cost of serious accidents.

Using Umbrella Insurance in New York

When an accident happens, you have your home or auto insurance to help pay for the damages. Once the policy reaches its maximum payout, it can’t pay anymore, and you’re stuck with all the bills that are left. When you have umbrella insurance, it comes in and pays those extra bills. Having this type of policy is vital to keep you owing what could be an enormous amount in medical or other bills after an accident.

Get Umbrella Insurance in Patterson

To protect yourself against your liability, get umbrella insurance. It’s a cost-effective way to increase your insurance coverage. You can call us in New York at Kimberly J Brennan Agency in Patterson, NY.

Condo Insurance for First-Time Owners

Posted on November 27, 2024November 26, 2024 by admin

Kimberly J Brennan Agency serves Patterson, NY, and the surrounding area and can help you pick out the condo insurance that meets your needs. Whether you live in New York or are a first-time condo buyer, we’re here to help you understand this protection type.

What It Covers

Your policy will cover everything in the condo that you own but not the actual building itself. Instead, it will cover personal belongings like furniture, clothes, bicycles, electronics, tools, and even things stored in your shed. Jewelry, art, computers, and memorabilia are also covered.

Even better, you get protection for some personal liability issues, loss of use if there’s any reason you can’t temporarily live there (such as damage) and medical payments for people injured in your home. This coverage is essential if you ever plan on hosting individuals for extended periods, especially anyone outside your family.

What It Doesn’t

First, it’s essential to know that your association has its own insurance that covers the physical structure of the condo, the common areas, and some original items inside (if they’re original). Nothing in your condo is covered, which is why you need your own policy.

You can also add optional coverage types to expand policies, such as water backup protection, personal injury protection, and extra flood protection. Most natural disasters are not immediately covered and require you to buy extra policy types to ensure you are fully safe from danger.

Finding Protection

Kimberly J Brennan Agency can help Patterson, NY, residents get coverage that meets New York state law. We’ll protect your condo and ensure you’re comfortable leaving it when you’re off from your vacation or living there full-time. Call us right away to learn more about your choices.

Auto Insurance for Teenage Drivers in Patterson, NY: What Parents Need to Know

Posted on October 31, 2024October 28, 2024 by admin

If you have a teenage driver in the home who is in training or has just obtained their license, you may be feeling the stress over selecting the right auto insurance policy. Adding a teenage driver to your auto insurance policy in Patterson, NY, is no simple decision, which is why it’s crucial to know how to effectively navigate the situation to ensure the best coverage and protection possible.

The Cost of Teenage Auto Insurance

Teenagers are considered high-risk drivers, especially when they first obtain their driver’s license. This is why insurance premiums are often much higher for a teenage driver in New York than for an adult who has been driving for decades.

Tips to Reduce Premiums

If you’re thinking of adding a teenage driver to your own auto insurance policy in Patterson, NY, here are a few tips to keep in mind that may help you reduce your monthly premiums:

Higher Deductible Options: In some instances, raising your own deductible can reduce your monthly premiums. However, it’s imperative to ensure you can afford your deductible out-of-pocket if an accident or incident should occur.
Safe Vehicle: Investing in a vehicle with a higher safety rating can help reduce premiums, especially when you’re planning to add a teen driver to your current auto insurance policy.
Driver’s Education Courses: Have your teen complete a certified driver’s education course to reduce the risk of accidents. In some cases, this may also reduce your monthly premium.

Anytime you’re thinking of adding a teenage driver to your auto insurance policy, it’s important to take the time to compare your options and attempt to reduce premiums in advance. To learn more about your options when it comes to auto insurance and your teenage driver in Patterson, NY, contact Kimberly J Brennan Agency for your consultation and quote today.

What You Should Know Before Buying a Home

Posted on September 30, 2024September 29, 2024 by admin

Purchasing a home is a significant decision. It often represents a family’s most valuable asset and can be essential for funding retirement, amongst other things. This article will discuss a few basic tips that everyone should know before signing on the dotted line. Those seeking insurance in New York, including Patterson, NY, should consult with the experts at Kimberly J Brennan Agency. We can help you find the right home insurance policy.

Essential Considerations for Homeowners

First and foremost, it’s important to remember that your home is an investment. Therefore, it’s prudent to consider not just your personal preferences but also the home’s overall value in the eyes of potential future buyers. Taking a long-term viewpoint can help prevent potential problems. For instance, considering aspects like school district quality can have an impact on your home’s value, even if you don’t have children.

It’s also recommended that the home be inspected by professionals. Expert evaluations can help identify potential long-term problems such as water damage, decaying wood, or mold. If these issues are discovered, repairs can be requested before completing the purchase. Financial institutions often require such inspections because the property itself typically secures mortgages.

Additionally, mortgage providers also necessitate home insurance policies. If a disaster like a fire damages a property, its value depreciates, increasing risks for lenders. Home insurance is vital for protecting homeowners from various threats, including weather incidents, theft, and personal liability situations like injuries occurring on your property. However, coverage specifics can vary considerably between policies. Therefore, working with insurance professionals to scrutinize each policy is important. If you are seeking assistance from agents serving New York, including Patterson, NY, contact Kimberly J Brennan Agency at your earliest convenience.

Key Person Commercial Insurance Is Critical For Sustaining some Companies when Unexpected Death Occurs

Posted on August 30, 2024August 29, 2024 by admin

Kimberly J Brennan Agency Offers Key Personnel Insurance For New York Businesses

When a key person in a company dies, it can often mean severe disruption that threatens the business’s ability to continue. Key personnel insurance, or key person insurance, provides funds for the business when this occurs. At Kimberly J Brennan Agency in Patterson, NY, we help companies find the best commercial insurance coverage to protect their businesses’ needs.

Who Is A Key Person in Your Business?

A key person in a business may be an owner, a partner, someone involved in the essential day-to-day running of the business, or someone with specialized knowledge necessary to the operation of the business. The loss of these people could mean a serious disadvantage to your business in the marketplace, and the loss could even cause a business to fail. Key person insurance is designed to provide funds to defray the cost of this loss so you can hire other personnel to fill the gap while you re-design your company for the changing circumstances.

What Does Key Personnel Insurance Cover?

The key person death benefit money can be used for any aspect of the business, such as training new people, additional costs to keep the business operating, or paying off debts. If it becomes necessary to close the business, the funds can also be used for this purpose, such as for severance pay or paying off investors.

Make Kimberly J Brennan Agency Your Agent For Business Insurance in New York

Suppose you are unsure who a key person in your company is or how key personnel insurance works. In that case, our agents can provide more extensive information to help you decide on this critical coverage. Contact Kimberly J Brennan Agency in Patterson, NY, today for a no-obligation quote on key personnel insurance that can help your business survive in case of an unexpected death.

How do I make sure I have enough home liability coverage?

Posted on July 31, 2024July 31, 2024 by admin

Understanding Crucial Aspects of Home Insurance in Patterson, NY

Balancing your home insurance needs and affordability can be a complex task that requires the involvement of knowledgeable professionals. Enter the team at the Kimberly J Brennan Agency in Patterson, NY. Having suitable home insurance is always crucial, regardless of where you live in the country.

Consider Your Total Net Worth

Most insurance companies provide liability coverage ranging from $100,000 to $500,000. Consider your net worth before automatically assuming these amounts are sufficient. To increase your liability protection, it might be advisable to add an umbrella policy to your coverage.

Consider Possessions That Might Increase Your Liability

If you have a swimming pool or trampoline, your liability increases. The same applies if you own a dog, with some insurers even refusing coverage for certain breeds.

Do You Host Many Gatherings?

If you frequently entertain, there’s an increased risk of someone filing a lawsuit against you. You might want to enhance your existing liability insurance coverage.

Apply Safety Measures to Your Swimming Pool

Having a swimming pool enhances your liability coverage needs. Some insurers may refuse to cover a pool with a diving board or slide. To mitigate risk, ensure the pool is secured by a fence, preferably without a slide or diving board. The fence should be tall enough to prevent young children from entering the area unattended. Additionally, consider installing sensors that trigger an alarm if an object falls into the pool.

Contact our office at Kimberly J Brennan Agency in Patterson, NY today, and let our team help you with your home insurance needs in New York.

What Makes a Car a Classic?

Posted on June 28, 2024June 25, 2024 by admin

Different people may have varied perspectives on what constitutes a classic, whether it’s a movie, book, or car. However, some accepted general definitions of a classic car apply when it comes to automobile registrations and insurance.

A classic car is typically at least 20 years old but not exceeding 40 years old. It is expected to be maintained as closely to its original condition as feasible.

If you own a classic car in the Patterson, NY, area, Kimberly J Brennan Agency can help you ensure your vehicle is adequately insured.

If you possess or are contemplating owning a classic car in New York, here are some factors to consider:

Insuring your car for its true value.

A restored classic is often worth substantially more than an average daily driver of the same period. It should be insured for its current replacement or repair value.

Usage of your classic car.

Classic cars may require different protection depending on whether they are for display, used for parades, or driven at the owner’s discretion. Inform our team about how frequently you plan to use your vehicle.

Storage.

Secure storage of a classic car is crucial for its protection against theft or vandalism. The ideal storage facility is a secure, indoor establishment that is climate-controlled.

Special coverage.

Some classic car parts are so valuable and rare that a collector may want the option to retain parts of a severely damaged vehicle. Ask about coverage that would allow the transfer of a salvage vehicle to you if your insured car is severely damaged and you desire to repair it.

Get a quote today.

Classic cars can provide interest and entertainment and be a significant part of social activities. However, it can also be an expensive hobby. Make sure you safeguard your investment with classic car insurance from Kimberly J Brennan Agency of Patterson, NY. Let’s discuss your vehicle and options to protect that investment today.

How Renters’ Insurance Protects Tenants

Posted on May 31, 2024June 7, 2024 by admin

You’ve probably heard of homeowners’ insurance, but why do you need to be insured if you’re a renter? Most landlords require tenants to purchase some form of renters’ insurance. This isn’t just to cover their own liability in the event of a claim — renters’ insurance protects tenants, too. Here are a few reasons you should take out a policy if renting in New York.

Renters’ Insurance Helps Protect Your Possessions

One of the main purposes of renters’ insurance is to reimburse you for the cost of lost possessions in the event of a break-in. If someone steals your personal property, a renters’ insurance policy helps pay to replace it (as well as for damage to the building itself, such as broken windows or locks).

It Might Cover Personal Liability

Many renters’ insurance policies include personal liability coverage. Did someone slip on your icy doorstep? Did you unintentionally harm a houseguest? Renters’ insurance may protect you from liability, which means that you won’t be on the hook for someone else’s medical bills.

It Might Give You An Extra Place To Stay

Sometimes, the circumstances of your rental can become temporarily unlivable. For instance, a flood could damage your home, or you could encounter a mold problem that makes staying there unsafe. Your landlord will be responsible for repairs, but your renters’ insurance may cover temporary housing until you can safely return home.

New York Renters’ Insurance With Kimberly J Brennan Agency

Kimberly J Brennan Agency helps people find the renters’ insurance they need in the greater Patterson, New York, area. If you’re a Patterson resident, contact us today to find the right policy to protect yourself and your property.

Multi-Bike Policies: Streamlining Coverage for Riders with Multiple Motorcycles

Posted on April 26, 2024April 23, 2024 by admin

New York bikers sometimes own more than one motorcycle for themselves or their family members. Many enjoy riding the city streets and highways in and around the Patterson, NY region. Bikers in New York can appreciate the multi-bike policies for discounts and other incentives. Motorcycle owners often choose multi-bike policies to consolidate their insurance coverage under a single policy, regardless of the number or types of motorcycles they own.

Comprehensive Coverage for All Bikes

Multi-bike policies typically provide comprehensive coverage for all motorcycles included in the policy. This includes coverage for property damage, liability, theft, and bodily injury, ensuring that each bike is adequately protected against unexpected events on the road.

Cost Savings and Discounts

Consolidating insurance coverage for multiple motorcycles into a single policy often results in cost savings and potential discounts. Insurance providers may offer reduced premiums or multi-bike discounts for insuring multiple motorcycles under one policy, making it a cost-effective option for motorcycle owners. With the cost of living, these discounts help bikers continue to enjoy their freedom of the open road.

Flexibility and Convenience

Multi-bike policies offer flexibility and convenience for riders who frequently switch between different motorcycles. Whether you own cruisers, sport bikes, touring bikes, or vintage motorcycles, a multi-bike policy can accommodate diverse riding preferences and ensure continuous coverage regardless of the bike you choose to ride.

Tailored Coverage Options

Insurance providers may offer tailored coverage options within multi-bike policies to accommodate specific needs and preferences. Riders can customize their coverage limits, deductibles, and additional protection based on individual requirements, providing personalized insurance solutions for each motorcycle included in the policy.

Let Kimberly J Brennan Agency Inform You

Kimberly J Brennan Agency helps answer motorcycle insurance questions and serves the Patterson, NY region. Call us today.

Insurance Coverage for Mechanical Upgrades Within Your Watercraft

Posted on March 29, 2024March 29, 2024 by admin

Mechanical upgrades can significantly enhance your watercraft’s performance, making your boat more powerful and easy to operate. Here are a few considerations regarding insurance coverage that should be addressed when dealing with mechanical modifications on your vessel.

Increased Coverage

With the addition of new mechanical parts, the potential for failures in your boat that could render it unsafe or inoperable increases. It’s vital to have all newly installed mechanical parts insured. This coverage ensures that in the unfortunate event of damage or theft, you’ll have ample protection to cover the replacement of these parts.

Account for Mechanical Parts

Consulting with the mechanic responsible for the upgrades is an important step in this process. They can provide a detailed list of all the new parts installed, which is invaluable when you need to update your current boat insurance policy to accommodate these changes.

Enhanced Security

Another key factor is the overall safety of your boat when out of operation. Investing in robust security equipment to protect your watercraft is in your best interest. Protecting your boat from exposure to the elements with a storage facility or a fitted cover can prevent potential interior and exterior damage.

Regular Inspections

Ensure your boat undergoes regular inspections. This can help identify any mechanical issues that need addressing, ensure the longevity of your boat’s components, and minimize the chances of replacing recently installed parts.

Final Considerations

Upon reviewing these mechanical upgrade considerations, you should be prepared to discuss the changes with an insurance agent. Reach out to one of our Kimberly J Brennan Agency representatives serving Patterson, NY. Our team, dedicated to understanding your unique needs, will prepare your boat’s updated insurance documents with attention to detail and professionalism.

Kimberly J Brennan Agency

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