Skip to main content

Personal Insurance

An insured motorhome takes a direct hit from a fallen tree at a Central New York campground.Personal InsuranceRV Insurance

Motorhome Insurance Basics for RV Owners in CNY

If you’re an RV owner in Central New York, you know how much fun and freedom a motorhome can offer. You can explore new places, enjoy nature, and spend quality time with your loved ones. But you also know that owning a motorhome comes with some challenges and risks. You need to protect your investment and your safety from accidents, theft, vandalism, weather damage, and other unforeseen events. That’s why you need motorhome insurance. But not all motorhome insurance policies are created equal. Some may offer more coverage and benefits than others. Some may have hidden fees and exclusions that…
September 21, 2023
Blog - A Customized Pickup Truck Parked in the Tug Hill Region in Central New YorkCar InsurancePersonal Insurance

Does Auto Insurance Cost More If I Customize My Car?

You love your car. You’ve spent hours and money to customize it to your liking. Maybe you’ve added a new spoiler, a custom paint job, or some flashy rims. You’re proud of your ride, and you want to show it off. But have you thought about how your auto insurance might be affected by your modifications? If you’re not careful, you could end up paying more for your coverage or even risk losing it altogether. That’s why you need to know the facts about auto insurance and car customization. In this article, we’ll explain how insurers view modified cars, what…
September 20, 2023
CNY auto mechanic checking service diagnostics software for a vehicle repair.Car InsurancePersonal Insurance

The Best Deductibles for an Auto Insurance Quote

If you’re looking for an auto insurance quote in Central New York, you might be wondering how to choose the best deductible for your policy. A deductible is the amount of money you have to pay out of pocket before your insurance kicks in. The higher the deductible, the lower the premium. But is that always the best option? Choosing the right deductible can be tricky. You want to save money on your monthly payments, but you also want to be prepared for unexpected accidents. You don’t want to end up paying more than you can afford if something happens…
September 20, 2023
Common coverages that are required or optional for auto insurance.Car InsurancePersonal Insurance

The Best Policy Limits for an Auto Insurance Quote

We know that choosing the right auto insurance policy limits can be a daunting task. You want to make sure you have enough coverage to protect yourself and your loved ones. But you don’t want to overpay for something you don’t need. Policy limits are the maximum amount of money your insurer will pay for a claim. They vary depending on the type of coverage, such as liability, collision, comprehensive, and so on. Choosing the right policy limits can make a big difference in your peace of mind and your wallet. But how do you know what policy limits are…
September 19, 2023
A CNY agent provides the best coverage for a car.Car InsurancePersonal Insurance

What’s the Best Coverage for an Auto Insurance Quote

Arriving at the best coverage for an auto insurance quote isn’t easy for many Central New Yorkers. Car insurance is one of the most important financial decisions you will make as a driver. It can save you from paying thousands of dollars in damages and medical bills if you get into an accident. It can also protect you from lawsuits and legal troubles. But how do you know what kind of car insurance coverage you need and how much it will cost you? You might be confused by the many terms and options that car insurance companies offer. You might…
September 14, 2023
An insurance shopper sitting with an independent CNY insurance agent while searching for auto insurance quotes.Car InsurancePersonal Insurance

Getting Auto Insurance Quotes Online vs. Agent-Assisted

Getting auto insurance quotes can be a daunting task. You want to find the best coverage for your needs and budget, but you don’t know where to start. Should you buy insurance online or through an agent? What are the pros and cons of each option? How can you compare quotes from different companies and make sure you're getting a fair deal? If you’re feeling overwhelmed by these questions, you’re not alone. Many drivers in CNY face the same dilemma when shopping for auto insurance. That’s why we’re presenting this information to help you make an informed decision. We’re Horan,…
September 12, 2023
Is a six-month or twelve-month policy better for your auto insurance quotes?Car InsurancePersonal Insurance

Auto Insurance Quotes: Six-Month vs. Twelve-Month Policies

Auto insurance is one of those things that you need but don’t want to think about. You want insurance protection in case of an accident, but you don’t want to pay more than you have to. You want peace of mind but don’t want to deal with complicated paperwork and confusing terms. That’s why you need a trusted partner who can help you find the best auto insurance policy for your needs. A partner who can explain the differences between six-month and twelve-month policies and help you decide which one is right for you. A partner who can save you…
September 11, 2023
We magnify and debunk six common misconceptions about auto insurance quotes.Car InsurancePersonal Insurance

6 Common Misconceptions About Auto Insurance Quotes

Auto insurance quotes can be confusing and overwhelming. You might have heard some myths and misconceptions about them that make you unsure of what to do. Maybe you think that getting several quotes will hurt your credit score. Or that you have to pay the same rate as your neighbor. You might think you can’t switch providers after a certain period of time. These are all false, and they can cost you money and peace of mind. That’s why we at Horan are here to help. We’re a Baldwinsville-based insurance company that has been serving CNY since 2009. We know…
September 8, 2023
Blog - Two Vehicles Involved in a Collision That Will Increase Auto Insurance QuotesCar InsurancePersonal Insurance

Do Accidents Increase Auto Insurance Quotes?

You’ve been in a car accident. You’re shaken, scared, and worried. You wonder how this will affect your life, your health, and your finances. You hope your auto insurance will cover the damages and protect you from lawsuits. But you also fear that your premiums will skyrocket after this incident. Auto insurance quotes will also increase. You’re not alone. Many drivers in Central New York face the same dilemma after an accident. You want to know how your insurance rates will change and what you can do to lessen the impact. You need an expert who can explain the complex…
September 6, 2023
A CNY policyholder is frustrated by his auto insurance quotes going up.Car InsurancePersonal Insurance

Why Auto Insurance Quotes Are Going Up in New York State

If you’re a driver in Central New York, you may have noticed that your auto insurance quotes are going up. You’re not alone. You may be wondering what’s causing this spike in premiums and what you can do to lower your costs. You may feel frustrated, confused, and overwhelmed by the complex and confusing world of auto insurance. But don’t worry. We’re here to help. We’re Horan, a local insurance agency that has been serving Central New York drivers for over 15 years. We have access to several carriers and their latest rates and discounts. We can help you find…
August 31, 2023
A futuristic car loaded with safety features is ready for an auto insurance quote.Car InsurancePersonal Insurance

Can I Save Money On Auto Insurance Quotes With Safety Features?

You want to drive safely and save money on your car insurance. But you may feel confused by the many options and features available in the market. How do you know which ones are worth paying for? And how do you find the best auto insurance quotes for your needs? You’re not alone. Many drivers in Central New York struggle with these questions. They want to protect themselves and their loved ones from accidents and injuries. But they also want to avoid paying too much for coverage they don’t need. That’s why we created this article for you. We are…
August 31, 2023
Properly Comparing Auto Insurance Quotes - A CNY Driver Preparing to Compare Auto Insurance Quotes OnlineCar InsurancePersonal Insurance

Properly Comparing Auto Insurance Quotes

If you’re looking for auto insurance in Central New York, you might feel overwhelmed. The sheer number of options and quotes available is astonishing. How do you know which one is the best for you and your budget? How do you compare different policies and coverage levels without getting misled? You’re not alone in this struggle. You, like many drivers, face the same challenge when shopping for auto insurance. You want to protect yourself and your vehicles. But you also want to save money and avoid paying for unnecessary or unwanted features. That’s why we wrote this article. We’re here…
August 29, 2023
A young CNY couple reading their auto insurance quote effectively.Car InsurancePersonal Insurance

Auto Insurance Quotes: How to Read Them Effectively

In this article, we’ll show you how to compare car insurance quotes. To do so, you’ll use key factors such as coverages, limits, deductibles, and discounts. And you’ll learn how to choose the right car insurance policy that meets your needs and budget. By following these steps, you’ll be able to read auto insurance quotes effectively. You’ll also be able to enjoy peace of mind knowing that you have the protection you need at a price you can afford. How to Understand the Different Components of Auto Insurance Quotes There is no universal template that insurers use when drafting auto…
August 29, 2023
A CNY couple reviews a cheap auto insurance quote.Car InsurancePersonal Insurance

The Problem with Cheap Auto Insurance Quotes

Are you looking for cheap auto insurance quotes? You’re not alone. Everyone wants to save money on their insurance. But it’s important to be careful when comparing quotes. Just because a quote is cheap doesn’t mean it's the best deal for you. The problem with cheap auto insurance quotes is that you don’t know what’s making them cheap. Is it because the carrier likes you more? Or is it because they’re giving you a shell of a policy compared to the other one or compared to what you have now? And how do you know? That’s where we come in.…
August 28, 2023
Expert bartender making a cocktail at a CNY bar.Business InsurancePersonal Insurance

Bar and Tavern Liquor Liability Insurance for CNY Businesses

If you own a bar or tavern in Central New York, you know how important it is to serve your customers well. You also know how risky it can be to serve alcohol. You could face lawsuits arising from drunk drivers, injured patrons, or damaged property. These lawsuits could cost you thousands in legal fees, settlements, and medical bills. They could even put you out of business. That’s why you need bar and tavern liquor liability insurance. This type of insurance protects you from the financial consequences of alcohol-related claims. It covers your legal defense costs, damages, and medical expenses…
August 28, 2023
A young backpacker rents an Airbnb from a CNY homeowner.Homeowners InsurancePersonal Insurance

Is Airbnb Hosting Covered by Home Insurance?

Home sharing is more than just a trend. It’s a new way of living and traveling. More and more homeowners are opening their doors to guests from around the world. They are sharing their space, their culture, and their stories. By adding an Airbnb rental endorsement to their home insurance, they’re able to make money from their unused rooms. But home sharing is not without risks. You need to be prepared for the unexpected. You need to know your rights and responsibilities as a host. And you need to have the proper insurance to protect yourself and your property. But…
August 28, 2023
A CNY dad with a newborn enjoying playtime via paid family leave.Business InsurancePersonal Insurance

How Short-Term Disability/Paid Family Leave Protects Your Employees

As a Central New York employer, you know how important it is to protect your employees and your bottom line. You want to offer your staff great benefits, but you must also consider the costs and compliance. You know that your employees are your most valuable asset. They ensure you have a smooth-running and efficient business. But what happens when one of your employees can’t work due to a non-work-related illness or injury? Or when they need to take time off to care for a new child or a sick family member? You may have heard of short-term disability (STD)…
August 23, 2023
A kitchen in a CNY home flooded by a water backup event.Homeowners InsurancePersonal Insurance

Insure Your Home Against Unexpected Water and Sewer Disasters

Imagine coming home after a long day and finding your basement flooded with sewage water. You call your insurance company, hoping to get some relief. But they tell you you’re not covered for this type of damage. You’re left with a sickening mess, a hefty repair bill, and a lot of frustration. This is a nightmare scenario that many homeowners in New York face every year. Sewer backups are one of the most common and costly causes of water damage in homes. But they’re not automatically covered by standard home insurance policies. You need a special endorsement called water and…
August 22, 2023
Injured CNY worker applying for workers’ comp.Business InsurancePersonal Insurance

New York Workers Comp Explained: A Comprehensive Guide for CNY Employers

You’re a new business owner in New York State. You want to run your business well. But you may not know some of the things you have to do as an employer in this state. One of these things is obtaining workers’ compensation insurance. This is a kind of insurance that pays for your employees if they get hurt or sick at work. You have to buy this insurance by law. But it’s also a smart investment for your business. It can save you from legal problems, money losses, and a poor reputation. It can also provide benefits and support…
August 21, 2023
A satirical image of an RV driving on a stack of coins, demonstrating that you can save money on RV insurance in CNY without sacrificing coverage.Camper InsurancePersonal Insurance

Save Money on RV Insurance in CNY Without Sacrificing Coverage

RV insurance protects your recreational vehicle from risks. These include accidents, theft, fire, vandalism, and more. It also covers your liability for motorhomes. You’re liable if you hurt someone or damage their property with your motor-powered camper. RV insurance is essential for anyone who owns or operates an RV. But RV insurance can also be expensive, especially in Central New York (CNY). The weather and road conditions can be harsh and unpredictable here. You don’t want to pay more than you need to for your RV insurance. You also don’t want to skimp on coverage and expose yourself to financial…
August 20, 2023
A pickup truck pulling a fifth wheel on a country road.Camper InsurancePersonal Insurance

How to Choose the Right RV Insurance for Your Travel Style

Do you love traveling and exploring new places? Owning an RV can be a great way to enjoy the freedom and comfort of the road. But before you hit the highway, it’s wise to have the right RV insurance. That way, you’ll protect your vehicle and find composure behind the wheel. RV insurance isn’t the same as car insurance or home insurance. It protects RV owners from different problems and costs. These depend on how you use your RV. That’s why you need an expert to help you find the best policy for your needs and budget. At Horan, we…
August 19, 2023
A rental property owner in CNY stands knee-deep in floodwaters while assessing damage after a storm.Homeowners InsurancePersonal Insurance

Flood Insurance Protection for Your CNY Rental

If you own a rental property in Central New York, you want to protect it from natural disasters. Flooding is a common and expensive disaster. It can damage your building and your tenants’ belongings. Flood insurance can help you recover from the financial impact of a flood and give you peace of mind. But not all flood insurance policies are the same. Your policy should cover your building and your contents. It should pay claims fast and fair. It should also follow the rules of the National Flood Insurance Program (NFIP), which FEMA runs. That’s where Horan comes in. We…
August 18, 2023
A flooded basement in a residential CNY home.Homeowners InsurancePersonal Insurance

If I’m Not in a Flood Zone, Do I Need Flood Insurance?

If you live in Central New York, you may think that flooding is not a big concern for you. After all, you don’t live near the coast or a major river, and you’ve never experienced a flood before. You may even check the FEMA flood maps and see that your property is outside the high-risk flood zone. This is also known as the Special Flood Hazard Area (SFHA). You may feel confident about your home insurance policy. But it doesn’t cover any and all water damage that may occur. These assumptions could cost you a lot in the event of…
August 17, 2023
A residential home shielded from perils by the Big 6 home insurance coverages.Homeowners InsurancePersonal Insurance

Homeowners Insurance Explained: The Big 6 Coverages and How They Work

If you’re like most people, you probably dread the thought of having to deal with insurance. You may feel confused by the different types of policies, overwhelmed by the paperwork, or frustrated by the high premiums. You may wonder if you’re getting the best coverage for your needs or if you’re paying too much for something you don’t really understand. But insurance doesn’t have to be a hassle. In fact, it can be a smart and simple way to protect yourself and your loved ones from unexpected risks and expenses. Horan is an independent insurance agency serving the CNY region.…
August 17, 2023
Five homeowners insurance riders or endorsements posted prominently in front of a CNY homeHomeowners InsurancePersonal Insurance

5 Must Have Riders for Home Insurance

Homeowners insurance is a vital protection for your most valuable asset. But did you know that your standard policy might not cover everything you need? Depending on your situation, you might want to consider adding some riders to your home insurance policy. Riders are optional enhancements that can customize your coverage and fill in the gaps that your basic policy might leave. In this article, we’ll explain what riders are, how they work, and which ones are the best for homeowner’s insurance. As a leading CNY insurance agency, Horan has the expertise and experience to help you find the best…
August 14, 2023
A CNY home inundated by floodwaters and evening sets inHomeowners InsurancePersonal Insurance

What is Flood Insurance and What Does it Cover?

Floods can cause devastating damage to your home and belongings, leaving you with costly repairs and emotional distress. In fact, flash floods occur frequently in the Central New York region, with an average of 34 events per year, due to heavy rainfall. Whether you live in an area that is prone to flooding or not, you may wonder: what is flood insurance, and what does it cover? Flood coverage is excluded from a homeowners policy. Therefore, flood insurance is a special type of policy that protects you from the financial consequences of flooding. It covers the structure of your home…
August 10, 2023
A CNY homeowner wonders how much info she’ll need before getting an accurate quote for her ranch.Homeowners InsurancePersonal Insurance

Get Home Insurance: What Info Do You Need to Share?

If you’re a CNY resident looking for homeowners insurance, you might be wondering what kind of information you need to share to get a quote. You might also be curious about why the insurer needs to know certain details about you and your home. After all, you’re not applying for a loan or a credit card, right? Well, the truth is, homeowners insurance is more than just a simple contract between you and the insurance company. It’s a complex and dynamic relationship that involves assessing and managing risk, both for you and the insurer. And to do that effectively, the…
August 8, 2023
A CNY restaurant owner reviews his business policy to understand his premium cost.Business InsurancePersonal Insurance

Restaurant Insurance: How much does it cost?

Opening a restaurant is an exciting and rewarding venture, but it also comes with many risks and challenges. One of the most important aspects of running a successful restaurant is having adequate insurance coverage to protect your business, your employees, and your customers. But how much does restaurant insurance cost, and what factors affect the price? In this article, we’ll answer these questions and help you find the best insurance policy for your restaurant. As a CNY insurance agency in the heart of a restaurant-friendly town, we understand the unique challenges and opportunities that restaurant owners face. We’ve been providing…
August 7, 2023
A waiter carries cocktails to a table at a fancy CNY restaurant.Business InsurancePersonal Insurance

Restaurant Insurance: Why Liquor Liability is Essential in Safeguarding Your Business

Some CNY businesses face more risks than others and require specialized insurance solutions. Restaurants and food services are among these businesses, especially if they sell or serve alcohol. If you own or plan to own a restaurant that sells or serves alcohol, you need to know about liquor liability insurance. This type of insurance can protect your business from costly lawsuits and damages stemming from intoxicated customers who cause harm to themselves or others after drinking at your establishment. Whether you’re pre-planning for your first restaurant, adding alcohol sales to your existing menu, or already selling alcohol but want to…
August 5, 2023
A model house constructed of puzzle pieces representing all the household members on the policyHomeowners InsurancePersonal Insurance

Is Everyone Who Lives in or Visits Your Home Covered by Your Home Insurance Policy?

Do you have family members, friends, renters, or guests staying with you or visiting you often? If so, you may be wondering who is covered by your homeowners policy. Do you know what would happen if someone gets hurt or damages your property or if you need to make a claim? This could cause confusion and anxiety, especially if you have people living with you or visiting frequently. There are also possible gaps in your coverage and the need for extra insurance you may be unaware of. We know that your home is more than just a building. It’s where…
August 2, 2023
A disheveled owner of a dilapidated CNY property is baffled by a home policy denial.Homeowners InsurancePersonal Insurance

Avoid Home Insurance Denial by Fixing These 7 Property Issues

Being denied a home policy can be a major financial setback, as homeowners insurance can protect you from financial ruin in the event of a fire, flood, or other disaster. A number of negative factors can lead to a home insurance denial, such as an old roof, an outdated electrical system, a swimming pool, a treehouse, a trampoline, and other attractive nuisances neighborhood kids find hard to resist. We understand that having these or several other issues can be a source of stress and frustration when it comes to finding and keeping home insurance. You may feel penalized for something…
July 26, 2023
A CNY painter and two subcontractors tackle a residential project.Business InsurancePersonal Insurance

Painter’s Insurance: When the First Coat Isn’t Enough

As a painting contractor, you know how to handle a brush, a roller, and a spray gun. You know how to prepare surfaces, apply coatings, and create beautiful results. But do you know how to protect yourself and your business from the risks that come with your work? Painting is not just an art, it’s also a liability. You could face lawsuits, property damage, injuries, or accidents that could cost you a lot of money and reputation if you don’t have adequate insurance. There are some specific things that could make you vulnerable as a painting contractor and some riders…
July 14, 2023
Split image showing a pristine car and the totaled version.Car InsurancePersonal Insurance

Why The Insurer Totaled Your Car and How it Impacts Your Insurance Claim

You love your car, but you know that it’s not getting any younger. Every year, it loses some of its value due to wear and tear, mileage, and market conditions. This can be a problem if you ever get into an accident and your car is totaled—which happens when the cost of repairing the car exceeds its value. You might end up owing more on your loan than what your insurance company will pay you for your vehicle. How can you avoid this situation and protect yourself from losing money on your car? We understand that having a totaled car…
July 14, 2023
A typical residential CNY home caught in a flash flood, which standard homeowners insurance does not cover.Homeowners InsurancePersonal Insurance

What Your Homeowners Insurance Does Not Cover and How to Fix It

You’ve worked hard to buy your home and make it your own. You want to protect it from any possible damage or loss. That’s why you have homeowners insurance, right? But do you know what your policy actually covers and what it doesn’t? You might be surprised to learn that a standard homeowners policy does not cover some common scenarios. And if you don’t know about them, you could end up paying a lot of money out of pocket. As a CNY insurance agency, we’ve written hundreds of homeowners policies for residents of our region over the years. In that…
July 13, 2023
A CNY contract painter preparing for a residential project.Business InsurancePersonal Insurance

Painter’s Insurance: Brushing Up On the Basics

If you’re a painter in CNY who mainly takes residential jobs, you might wonder what kind of insurance you need to protect your business. Painting can be a rewarding and profitable profession, but it also comes with some risks. You could accidentally damage a client’s property, injure yourself or someone else, or face a lawsuit for a mistake or delay. That’s why having the right painter’s insurance is essential. Painter’s insurance is a type of policy that covers various financial risks related to painting, such as bodily injury, property damage, and advertising mistakes. It can also cover specific risks related…
July 11, 2023
A family home in CNY smolders while a child sits with the remains of a cherished teddy bear rescued from the fire.General TopicsPersonal Insurance

The Difference Between Replacement Cost and Actual Cash Value Coverage and Why It Matters for Your Property and Belongings

Let’s say you own a charming colonial in Constantia insured for $200,000. In the event of a fire that destroys enough of the structure to result in a total loss, you may expect to receive a check for $200,000 from your carrier to cover the rebuilding cost. However, if your home is insured for actual cash value, you may only receive a check for $150,000. This is because the insurance company will deduct the depreciation of your home's value from the total amount of the claim. In this example, you would be out $50,000 if didn’t have replacement cost coverage.…
July 10, 2023
Risotto in a pan being cooked in a well-insured CNY restaurant.Business InsurancePersonal Insurance

Restaurant Insurance Basics: Insurance Every Restaurant Owner Should Have

You have a dream of opening your own restaurant. You have the passion, the skills, and the vision to create a successful business. But you also know that running a restaurant is not easy. There are many risks and challenges you need to overcome, such as fire, theft, liability, food safety, employee injuries, and more. That’s why you need restaurant insurance. Restaurant insurance is a type of business insurance that covers the specific needs of restaurant owners. It protects you from the financial losses that can result from unexpected events that can damage your property, harm your customers or employees,…
June 23, 2023
Longtime Horan client Kelvin Ringold stands in front of his home in Liverpool, New York, before his siding disaster and restoration by Erie InsuranceClient JourneyHomeowners InsurancePersonal Insurance

Horan Client Journey: How a Tailored Policy and World-Class Service Thrilled Kelvin Ringold

Having a reliable independent agent for your insurance needs can make a big difference to your peace of mind and protection. They can offer you more options, save you money, advocate for you, give you unbiased advice, get to know you, and provide you with one-stop shopping for all your insurance needs. A reliable independent agent can also help you understand your policy and coverage options and guide you through the claims process with care and attention. When you choose Horan as your insurance agency, you can rest assured you will receive world-class claims service and coverage for your personal…
June 16, 2023
A landscaper loading equipment onto a trailer after finishing a project in CNY.Business InsurancePersonal Insurance

Understanding Landscapers Insurance: A Comprehensive Guide

If you own a small landscaping business, you know how rewarding it can be to create beautiful outdoor spaces for your clients. You also know how challenging it can be to run a successful business in a competitive industry. You have to deal with unpredictable Central New York weather, seasonal fluctuations, equipment maintenance, employee management, and customer satisfaction. And on top of all that, you have to worry about the risks and liabilities that come with your work. That’s why you need landscaping insurance. Landscaping insurance is a type of insurance coverage specifically designed for businesses and individuals who provide…
June 15, 2023
A CNY resident frantically searches the sand for a lost item of value.Homeowners InsurancePersonal Insurance

Scheduled Personal Property Coverage: Insuring Your Most Valuable Things

You may have some valuable items in your home that you cherish and want to protect. But did you know that your standard insurance policy may not cover them fully if they’re lost or damaged? A homeowners policy limits how much it will pay for certain items, such as jewelry, art, collectibles, etc. You may end up getting much less than what they’re worth or what it would cost to replace them. This can be devastating and frustrating, especially if you have sentimental or irreplaceable items. We understand the financial hardship and emotional distress this can cause. That’s why you…
A handyman preparing to tackle several jobs at a customer’s home in Central New York.Business InsurancePersonal Insurance

Handyman Insurance: What You Need to Know and How to Get It

You’re a handyman who can do it all. Over the years, you developed the skills and acquired the tools to tackle any home improvement project, big or small. You love helping your CNY customers fix their problems and make their properties better. Because you’re good at what you do, you’ve been landing more jobs, and your reputation is growing. But being a handyman comes with risks. You never know what might go wrong on a job site, or what kind of liability you might face if something does. You could damage someone’s property, injure yourself or someone else, or get…
A mom drops off her two children at an at-home daycare in Central New York.Business InsuranceHomeowners InsurancePersonal Insurance

At-Home Daycare: The Dos and Don’ts of Licenses and Insurance in New York State

You want to care for more than two children in your home, but you don’t know New York State rules and regulations. You also don’t know how to protect yourself from liability in case something goes wrong. You need to learn about the different types of childcare licenses, the requirements for each one, and the insurance options available for your business. You don’t want to risk losing your home or facing a lawsuit because of an accident or injury involving a child in your care. As an insurance agency with years of experience, we know how to find the best…
Customers line up on a lawn in front of a home-based Central New York cookie business.Business InsuranceHomeowners InsurancePersonal Insurance

4 Factors That Affect the Cost of Home-Based Business Insurance in CNY

If you’re starting a home-based business in Central New York, you’ll need insurance to protect yourself and your property from unexpected losses. The cost of insurance will vary depending on a number of factors that affect the risk and exposure of your business, including the type of business you operate, whether you see customers at your home, whether you handle other people’s property and the amount of business property you have. Our agency has written policies for home-based businesses and larger commercial enterprises over the years. In that time, we’ve narrowed down the main elements that impact the price of…
Detailed e-commerce purchase order for a small CNY pottery business.Business InsuranceHomeowners InsurancePersonal Insurance

How to Insure an E-Commerce Shop in Central New York: A 6-Step Guide

CLICK LINKS BELOW TO JUMP TO SECTION Six Steps to Properly Insuring Your E-Commerce Business Step 1: Evaluate Your E-Commerce Business Risks Step 1: Evaluate Your E-Commerce Business Risks Step 2: Decide Which Types of Policies You Need Step 3: Choose How to Shop for Your E-Commerce Policy Step 4: Select a Suitable Insurance Provider Step 4: Select a Suitable Insurance Provider Step 5: Purchase Your Policy Step 6: Keep Your E-Commerce Policies Up to Date Protect Your E-Commerce Shop with the Right Insurance CoverageWhen starting an e-commerce shop, a lot of budding small business owners are unaware of the…
10 Discounts That Can Lower Your Car Insurance Rates - Young Child Dropping a Coin into a Mason Jar that is Labeled Family VacationCar InsurancePersonal Insurance

10 Car Insurance Discounts for Lower Rates

If you’re paying too much for your car insurance, you may be missing out on some valuable discounts that could lower your premium and save you money. But finding and applying these discounts can be tricky and confusing. We understand that car insurance can be a significant expense for many drivers, and we want to help you find the best coverage at affordable rates. That’s why we compiled this info, to provide ways you can secure discounts that can lower your premium and reward you for being a safe driver and loyal policyholder. You may encounter difficulty finding the best…
A caring CNY dog groomer tends to several adorable customers in her home.Business InsuranceHomeowners InsurancePersonal Insurance

Home-Based Businesses: Is Homeowners Insurance Enough?

Many home-based business owners throughout Central New York think their homeowners insurance will cover them if something happens to their business property, customers, or income. However, this is a dangerous assumption that could put your business and your personal assets at risk. Homeowners insurance has several limitations and exclusions for business-related property, liability, and income loss, such as low coverage limits, no coverage for other structures or data loss, and no coverage for business liability claims or loss of income. Running a home-based business comes with its share of challenges. We understand this and know it takes a considerable amount…
A CNY small business owner sitting in her home office with her furry assistant lending a paw.Business InsuranceHomeowners InsurancePersonal Insurance

The Best Insurance Options for Home-Based Businesses

If you live in Central New York and run a business from your home, you may have to pay for any problems that happen to clients or customers who come to your home or buy your products or services. You’ll likely not get enough money from your home insurance if something bad happens to your business equipment or supplies. Your home insurance may not cover everything you need for your business. This means you could face financial losses or legal liabilities if something goes wrong with your home-based business, such as a customer getting injured, a product malfunctioning, or a…
CNY driving instructor holds a clipboard during a session with a teen student driver.Car InsurancePersonal Insurance

How to Reduce Insurance Costs When Adding a Teen Driver to Your Policy

If you’re the parent of a newly permitted or licensed teen in Central New York, you’re aware of the high cost of car insurance for young drivers. Teenagers are typically charged higher rates than older drivers because they’re seen as more inexperienced and risky by insurers. The higher premiums are how insurers offset the risk. But this can make car insurance unaffordable or burdensome for many young drivers and their families. We understand how frustrating and stressful it can be to pay high car insurance rates for young drivers. You want to protect your loved ones and give them the…
Two vehicles involved in an accident rest on a county route in Central New York. Both drivers have standard deductibles on their policies.Car InsurancePersonal Insurance

How Auto Insurance Deductibles Work in New York State

If you’re a New York resident and aren’t educated about deductibles, you’re at risk of paying too much out of pocket for car insurance claims. This can happen if you choose a high deductible, have a loan or lease that limits your deductible options, or have a personal injury protection (PIP) deductible you’re unaware of. Don’t let high deductibles ruin your car insurance experience. Many New York State policyholders lack clarity and understanding about car insurance deductibles. But deductibles are a crucial part of any auto policy, as they affect how much you’ll pay in case of a claim. However,…
A CNY dad passing the car keys to his newly licensed teenCar InsurancePersonal Insurance

Car Insurance For Your Teen Driver: What Every CNY Parent Needs to Know

If you have a newly licensed teen driver in the family or a teenager about to get their driver’s license, you might be feeling a mix of emotions. You’re proud of their achievement but also worried about their safety and the cost of insuring them. Getting your teenager ready to drive can be a stressful and expensive process. You want them to be safe and responsible, but you also don’t want to pay a fortune for their car insurance. We understand what you’re going through. We’ve helped many CNY parents like you navigate the complex and confusing world of car…
A Central New York driver rents a car without hassle thanks to rental car reimbursement coverage.Car InsurancePersonal Insurance

Rental Car Reimbursement Coverage: What It Is and Why You Need It

As a policyholder in Central New York, you may face uncertainty and confusion about getting a rental car after an accident. Depending on who caused the accident and what kind of insurance coverage each party has, you may have to deal with different scenarios and outcomes. For instance, you may have to use your own insurance, pay out of pocket, or take legal action to get reimbursed for a rental car. You may also have to choose a rental car that meets your transportation needs and fits your budget. These decisions can be stressful and overwhelming, especially when you’re already…
A CNY landlord stands in front of a multi-family home for rent in Syracuse, New York.Landlord InsurancePersonal Insurance

How to Insure Your Multi-Family Home with the Right Policy

If you’re thinking of buying a multi-family house, you might be wondering how to insure it properly. A multi-family house is a property that has more than one unit, such as a duplex, triplex, or fourplex. Each unit can have its own features and amenities, which can affect the cost and coverage of your insurance policy. We understand that purchasing a multi-family home can bring new challenges and complexities, especially for first-time property owners. For that reason, it’s essential to choose an agent with experience valuing multi-family homes, as they’ll ask the right questions and gather crucial information about your…
On move-in day, two children run through a new CNY rental unit while their parents carry boxes behind them.Personal InsuranceRenters Insurance

Landlords, Avoid Liability Issues and Promote Tenant Safety by Requiring Renters Insurance

If you’re a property owner with one or multiple rental units, you’re in a unique business position filled with potential risks. As a landlord, it’s crucial to prioritize your tenant’s safety and protect yourself from possible legal implications. One way to accomplish this is by requiring tenants to purchase renters insurance. Over the years, we’ve seen many property owners face mounting difficulty and litigation arising from landlord-tenant relationships lacking the buffer of a renters policy. We want you to avoid this painful experience by being fully prepared for an array of possible mishaps. That’s why we wrote this article. In…
A roadside service tech changes a tire on the car of a thankful CNY resident.Car InsurancePersonal Insurance

The Benefits of Adding Roadside Assistance to Your Car Insurance Policy

When you’re on the road, you never know when you might encounter a problem with your vehicle. Whether it is a flat tire, a dead battery, or a lockout, you need someone to help you get back on track. That’s why many drivers add roadside assistance to their car insurance. Roadside assistance is a service that provides gas or oil delivery, emergency jumpstarts, towing, or other automotive support in case of a breakdown or emergency. We know how frustrating and scary it can be to face a vehicle problem during a trip, especially when you have other people depending on…
A landlord guiding new renters through a unit in her CNY property.Landlord InsurancePersonal Insurance

10 Common Mistakes New Landlords Make When Purchasing Insurance and How to Avoid Them

As a landlord, navigating the world of insurance can be daunting, and managing a property isn’t easy. Besides insurance matters, you have to deal with tenants, maintenance, taxes, and the occasional legal issue. Then there are the misconceptions about your wealth and responsibilities. Sometimes, you have to bear the unfair stereotypes that society has about landlords. You know, the ones that paint you as a greedy, heartless, and rich person who exploits renters for profit. But we know that’s not true. We know you’re a hard-working, honest, and responsible person who provides a valuable service to your community. Otherwise, you…
A first-time CNY property owner reviews a landlord policy.Landlord InsurancePersonal Insurance

Protecting Your Investment: Why Landlord Insurance is Essential for Rental Property Owners in Central New York

Embarking on the journey of becoming a residential landlord can be a rewarding experience, as it allows you to build wealth and create an additional income stream. As you take your first steps into this new venture, it’s crucial to understand the importance of properly insuring your rental property. If you’ve decided to rent out your CNY property to tenants, you might think that your existing homeowners insurance policy will cover you in case of any damage or liability. However, this is a common misconception that can cost you a lot of money and headaches. Homeowners insurance is designed for…
An uninsured driver crashes into another vehicle on a CNY county route.Car InsurancePersonal Insurance

Understanding Uninsured and Underinsured Motorist Coverage

You’re doing the limit while slicing through Lakeland along Interstate 690 East toward Syracuse. The day is cool and clear, and traffic is sparse for the most part. You say to yourself, “I’ll make my appointment with time to spare.” But before you could finish the thought, a jalopy from the mid-90s tries to cough past you in the left lane, and the struggle results in a blowout that shoots tire shreds across your hood and sends the nose of the jalopy careening into your C-pillar. You spin out of control and grind the guardrail until you stop short of…
A Cato resident looks on from his boat on Cross Lake as his cabin burns onshore.Personal InsuranceSeasonal Home Insurance

4 Factors That Affect the Cost of Seasonal Camp Insurance

Whether purchasing a rustic camp along West Branch Fish Creek in Oswego County or a Tug Hill cabin near Salmon River, investing in a home away from home can be an exhilarating experience. But you shouldn’t overlook the practical aspects that come with owning a second property. One major consideration is obtaining the right insurance coverage for your camp, especially given that information about camp insurance and associated costs can be scarce. In this article, we provide insights on unexpected factors that could influence the cost of your camp insurance policy, such as proximity to a fire station, cost of…
A totaled car on the street in Central New York.Car InsurancePersonal Insurance

Comprehensive vs. Collision Insurance: What’s the Difference?

If you own a car in Central New York, you know how expensive it can be to repair or replace it after an accident or other damage. That’s why you need to have the right insurance coverage to protect your vehicle and your wallet.  But do you know the difference between comprehensive and collision coverage? And do you know which one you need for a given situation? Both comprehensive and collision coverage help pay for vehicle repairs and replacement. But the two types of coverage have their differences. Knowing those differences and the essential functions of these policy components will…
May 1, 2023
Abandoned helmet of a bodily injury accident victim in Central New York.Car InsurancePersonal Insurance

What is Bodily Injury Coverage?

Debra is on a busy stretch of I-81 near Syracuse during rush hour. The sun is low, casting its golden beams all across the highway. While Debra hugs a curve, the sunlight shifts, momentarily blinding her, and she suddenly loses control of her car.  Debra crashes into another vehicle, causing serious injuries to the driver and passengers. She’s also hurt, but not as badly as them. She feels guilty and scared.  What will happen next? Who will pay for the medical bills, the lost wages, the funeral expenses, and the emotional trauma of the victims? How will she afford to…
April 27, 2023
A CNY family enjoying morning views on the porch of their seasonal camp.Personal InsuranceSeasonal Home Insurance

Navigating Insurance Challenges for Your CNY Camp: Tips and Insights for Protecting Your Dream Retreat

Looking for a serene, peaceful property away from the bustling city life in Central New York? It’s not uncommon for people to seek solace in secluded locations like a charming lakeside camp in Tupper Lake or a mountain cabin atop Kaaterskill Creek in the heart of the Catskills. But before diving in and making this special place a part of your family memories, it’s essential to know how you can protect it against the unexpected. Insurance availability for secluded camps might be challenging, but realizing this crucial factor now can save you from future heartaches. When financing your camp, lenders…
April 27, 2023
A rustic cottage nestled in a picturesque CNY forest.Personal InsuranceSeasonal Home Insurance

3 Critical Coverages to Protect Your Seasonal Camp from Unforeseen Risks

It’s a crisp, early autumn morning in picturesque Long Lake. The leaves have just begun to turn their brilliant shades of red, gold, and orange, and a gentle mist hovers over the tranquil forest landscape. Tucked away in the heart of this idyllic Adirondacks setting is your cozy rural camp—a treasured retreat with views of meadows and mountains where memories are made and dreams recharged. But you and your young family are away for the season, so the rustic camp sits empty and closed up for winter. Several weeks pass, and the temperature gradually starts to drop as winter sets…
April 26, 2023
Two CNY bikers glide through the breathtaking countryside on a preferred back road.Motorcycle InsurancePersonal Insurance

Our Top 3 Picks for Best Motorcycle Insurance Carriers

You’ve seen glossy magazines and likely frequented bike dealerships in Syracuse and places like Brewerton and Cicero. You’re no stranger to the fact that motorcycles and their various options are so numerous it’ll make your head spin, even if you’re the most hardcore enthusiast. Chances are, you didn’t purchase the first motorcycle you came across. Instead, you invested time in researching various styles and models to find the one that best suited your preferences. Your interest in this article indicates that you’re equally committed to selecting the ideal insurance policy for your bike. It’s a wise move that many savvy…
April 24, 2023
Two CNY cars were involved in an auto accident. Property damage liability coverage pays for damage caused to the victim’s vehicle.Car InsurancePersonal Insurance

What Does Property Damage Liability Cover?

It’s a beautiful spring day in Clay, New York. Dave is behind the wheel, cruising toward Dick’s Sporting Goods to buy new kayaking gear. As he approaches a busy intersection, his phone suddenly rings, pulling his attention away from the road for a split second. That’s when it happens. Before Dave knows it, he is inadvertently colliding with a gleaming BMW making a turn across his lane. Dave is shaken but uninjured. He looks left and immediately sees the damage the BMW took. But he isn’t worried. This is precisely where property damage liability (or PD) comes to the rescue.…
April 21, 2023
A female CNY biker preparing to tear across a back road.Motorcycle InsurancePersonal Insurance

Essential Motorcycle Insurance Coverage Every CNY Biker Should Have

You’ve decided to join the CNY motorcycle community. You’re actively doing research and are eager to experience the joy of riding on the open road. But first, you have to secure motorcycle insurance. You’re probably wondering if any special coverages or protections exist that you should have as a motorcycle owner. That’s why you’re here reading this article. You know that motorcycle insurance is not only mandatory by law but also vital for your safety and protection. But as a new rider, you may not be familiar with the different types of coverage that are available and how they can…
April 19, 2023
An older CNY biker smiles, knowing the ride of his choice is properly insured.Motorcycle InsurancePersonal Insurance

4 Factors That Affect the Cost of Motorcycle Insurance

You’ve dreamed of riding a motorcycle. The thrill of the open road, the wind whipping around you, the freedom to explore. You finally saved enough money to buy a bike, and you can’t wait to hit the road so you can cruise routes like New York 28, which winds through rolling hills along Ashokan Reservoir in the Catskills. But before you do, you need to get motorcycle insurance. You know it’s important to protect yourself and your bike, but you’re not sure how much it will cost or what factors will affect your premium. You don’t want to overpay or…
April 18, 2023
An insured vessel cruising comfortably with a tailored policy from one of our top 3 carriers.Personal InsuranceWatercraft Insurance

Our Top 3 Picks for Best Boat Insurance Carriers

With over 1,000 glistening lakes in the upstate New York region, along with local rivers like the Seneca, the Oswego, and the Cayuga, CNY is a boater’s paradise (at least in the summer). But with all that water comes many boats and many different insurance policies. While it’s easy to tell the difference between a pontoon and a runabout, it’s not so simple to spot the distinctions in boat coverage. Many carriers offer some version of boat insurance, but for those unfamiliar with the world of insurance, it’s like sifting through an informational haystack to find a needle. The purpose…
April 13, 2023
A boat being launched into calm CNY waters from a trailer ramp.Personal InsuranceWatercraft Insurance

4 Factors That Affect the Cost of Boat Insurance

Cruising the Seneca River or taking in a day of fishing on beautiful Lake Ontario are the daydreams of many soon-to-be boat owners. If you’re new to boating, you probably haven’t added insurance to that daydream. But it’s important not to overlook the insurance for your boat or the costs associated with the policy. Knowing what impacts those costs is also critical to avoid overspending to protect a beloved pastime like boating. But have no fear, we’ll introduce you to the four biggest factors influencing boat insurance premiums. As an agency in the middle of a river town, we’ve educated…
April 11, 2023
A CNY insurance agent fills out an auto insurance form for a prospective policyholder.Car InsurancePersonal Insurance

Get Accurate Auto Insurance Quotes: Provide Required Info

When requesting an auto insurance quote, you will be asked to provide a few pieces of personal information. This is straightforward if you live alone and have one vehicle, but if there are other drivers and vehicles in your household, you’ll first want to gather all their info in addition to yours. We know that getting an auto insurance quote can feel like a game of 20 Questions or the first visit to a new doctor, where you’re asked for a ton of personal information before you get a diagnosis. But don’t worry. Your weight and cholesterol levels are no…
April 7, 2023
A CNY family enjoys a sail on the lake with peace of mind because they have proper boat insurance.Personal InsuranceWatercraft Insurance

5 Boat Insurance Mistakes First-Time Boat Buyers Make

The lure of fast CNY boats gleaming as they cut through the water, creating beautiful white wakes, is irresistible. You’ve narrowed your search for your own boat and are getting close to buying one in time for the season. You can already see yourself using one of the many waterways CNY offers. Before long, you’ll be cruising the Seneca River, skiing with your friends on Cross Lake, or spending the day with your family soaking up the sun at Sylvan Beach. But, before you set sail, take a moment to make sure you have the best insurance protection for your…
April 6, 2023
An underground sewer line rupture results in wastewater spewing onto the lawn of a CNY resident.Homeowners InsurancePersonal Insurance

What is Underground Sewer Line Insurance?

There are likely two reasons why you’re reading an article about underground sewer line coverage in Central New York: You received something in the mail from your water utility company, like OCWA or, You were sent to this page via a link elsewhere on our site. Whatever the reason, your fear is true: you are responsible for the underground sewer lines that run from your house to the street. Should those aging lines rupture, it would be an expensive repair job that neither a standard home insurance policy nor the municipality will pay for. Thankfully, we’re an insurance agency residing…
April 4, 2023
A 1920 Colonial Revival on fire.Homeowners InsurancePersonal Insurance

Choosing the Right Homeowners Insurance for Older Homes

If you own an “older” home in Central New York, the insurance policy you choose will determine what will be built in its place if a covered catastrophe were to destroy it. Some homeowners love the old-world details and artistic touches and want to see those intricately restored. Other CNY homeowners? Not so much. They are fine with a replacement home that is modern and affordably built. Depending on how attached you are to those classic details, knowing how insurers classify the age of homes will allow you to choose the right insurance policy, which will leave you prepared for…
March 27, 2023
Erie Insurance is the best-in-class carrier for renters insurance in Central New York.Personal InsuranceRenters Insurance

Erie Insurance: The Regional Carrier Leading the Way in Renters Insurance

Unless you’re in the business or are facing an immediate crisis, insurance isn’t something you give much thought to. And when we niche down to personal lines, a Renters Policy doesn’t even make the list for many Central New Yorkers. Some who do consider renters insurance believe that those policies are created equal. That myth is perpetuated by rental property managers who direct tenants to a preferred insurer which often leads to inferior but expensive coverage for the renters. Our agency has written hundreds of renters policies for CNY residents through various carriers over the years, and we have found…
March 27, 2023
Chart showing how inflation drives up insurance rates and the cost of a home, car, and other goods and services.General TopicsPersonal Insurance

How Inflation Is Driving Up Insurance Rates

You’ve been busy with life and work, and months have flown by like days. The seasons changed: fall gave way to a crisp CNY winter, and spring appeared like an old friend bearing a gift. While you were caught up in the swift passage of time, you may have missed the arrival of your insurance policy renewal. And sadly, it didn’t show up alone. It brought a friend ... another rate increase! In fact, Insurance rates have been on the rise for a while now, along with the increased cost of goods and services you’re used to. As insurance agents…
March 14, 2023
Using your personal vehicle for work? You may have an insurance problem.Car InsurancePersonal Insurance

Avoiding Coverage Gaps: Tips for Properly Insuring Your Personal Vehicle Use for Work

Do you work for an employer or own a business but drive your personal vehicle for the company? Sounds like a simple question on the face of it, but many drivers don’t think much about their vehicle use until the worst happens: getting in an accident while driving your personal vehicle for work. If you commute to your job at a Cicero shopping complex daily and park for hours before going to lunch and then home, you’re fine. Or you might be a remote worker who stays home on a laptop most of the day and runs out once in…
March 13, 2023
Travelers Insurance logo for the Horan Review.General TopicsPersonal Insurance

Travelers Insurance: The Horan Review

Travelers Insurance is among the most well-known Property and Casualty carriers we’ll cover in this series of Horan Reviews, so they need no introduction. But we’ll introduce them anyway for those who know little about what the insurer does and how its products work. Though you may have heard of Travelers—since the company’s annual advertising budget is close to $100 million—you may not know about some of their unique policy functions and how those policies can benefit you. In this Horan Review, we’ll explore those unique features and look at what might make Travelers a good or not-so-good fit for…
March 2, 2023
Main Street America Insurance logo for the Horan Review.General TopicsPersonal Insurance

Main Street America Insurance: The Horan Review

Main Street America Insurance, based in Jacksonville, Florida, is a fairly large national carrier licensed in New York and 36 additional US states. But they’re not as well-known as other large insurance companies who outspend Main Street by hundreds of millions of dollars on TV, radio, and print ads each year. For that reason, many Central New Yorkers have heard little about the company. Main Street still writes many personal and commercial policies through dedicated independent agents living and working in vibrant communities in our region. In this Horan Review, we’ll look more closely at some of their unique policy…
March 1, 2023
Progressive Insurance logo for the Horan Review.General TopicsPersonal Insurance

Progressive Insurance: The Horan Review

Unlike several regional insurance companies featured in our Horan Review series, Progressive happens to be a national household name. The carrier spends nearly a billion dollars annually on unique marketing campaigns, mainly featuring the fictional upbeat sales expert Flo. So, you’re likely familiar with Progressive’s brand. But it’s probably fair to presume you know little about the company itself and the lines of insurance products it sells. Understanding what those products are, what they do, and how well they function as coverages goes a long way in determining if Progressive is a good fit for your insurance needs beyond the…
February 28, 2023
Dryden Mutual Insurance logo for the Horan Review.General TopicsPersonal Insurance

Dryden Mutual Insurance: The Horan Review

Dryden Mutual Insurance is a regional carrier in Upstate New York. Since they serve a single state, their marketing dollars are concentrated in New York, but the company doesn’t have the huge ad budget larger national rivals wield, so you’ve likely heard little about them. But Dryden Mutual has been around longer than many other carriers, and the company has established itself with property and general liability lines of insurance that can be tailored to suit an array of circumstances faced by its policyholders. In this Horan Review, we’ll explore Dryden’s unique insurance products and coverages and help you determine…
February 27, 2023
Sterling Insurance logo for the Horan Review.General TopicsPersonal Insurance

Sterling Insurance: The Horan Review

Sterling Insurance is one of the oldest insurers in the state of New York. Yet, the company’s name doesn’t fly off the lips of most Central New Yorkers. That’s because tens of millions of dollars aren’t allocated to television and radio ads like many national insurance carriers. That hasn’t stopped Sterling from strategically positioning itself in other ways, such as tailoring its insurance lines and technology to serve New York residents and businesses in a specific market. By focusing on New York State, Sterling uses its knowledge of New York geography and climate to key in on unique policy needs,…
February 22, 2023
NYCM Insurance logo for the Horan Review.General TopicsPersonal Insurance

NYCM Insurance: The Horan Review

You’ve probably heard little or nothing about NYCM Insurance (or New York Central Mutual), even though they’ve been around for over 100 years. This review will shed light on what the company is and what it does. Unlike the national carriers whose advertisements are seen far and wide, NYCM concentrates its efforts on a regional footprint, focusing on residents of New York State. We’ll start with NYCM’s history and highlight a few insurance products and benefits one can expect from the insurer. After you read this review, you’ll be able to decide if they’re a good fit for your insurance…
February 15, 2023
Erie Insurance logo for the Horan Review.General TopicsPersonal Insurance

Erie Insurance: The Horan Review

If you’ve never heard of Erie Insurance or know little about the company, this review will answer many questions about who they are and what they do. You’re probably more familiar with national insurance carriers whose catchy television commercials interrupt your programming. Erie spends little on advertising and focuses more on policy offerings, so that’s one of the reasons they’re not a household name for most people. But as you’ll see, Erie has been selling insurance for close to a century, which is why they’ve established a proven track record of trustworthiness and dependability. How Erie Insurance Started Erie was…
February 10, 2023
Lighting striking a house in Central New York. One of the covered perils of hazard insurance.Homeowners InsurancePersonal Insurance

What is Hazard Insurance?

If you’ve been through the Central New York homebuying market, you’ve probably heard the term “hazard insurance” used to describe a necessary policy component. Some mistake hazard insurance as a separate and distinct policy from homeowners insurance, but it’s not. The Horan agency has worked with many homebuyers who had this coverage portion built into their homeowners policy. In this article, we’ll clear up the confusion and leave you with a better understanding of what hazard insurance is and why lenders require borrowers to purchase it. The Mortgage Loan Hazard Insurance Requirement If you walk into a bank and attempt…
February 1, 2023
An insurance agent explains auto liability coverage limits to a CNY resident.Car InsurancePersonal Insurance

Auto Liability Coverage Limits Explained

Many Central New Yorkers purchase insurance policies without a second thought. Because of that, they don’t fully understand some of the policy details involved. One of those details is an auto policy’s liability coverage limits. You can think of coverage limits like a ceiling. Insurance carriers pay out sums no higher than those figures to cover damages you have caused (such as up to $100,000 to another driver who suffers bodily injury during a crash, if that’s your policy limit). If you don’t have enough liability coverage, an auto accident may cost far more than you can afford. That’s why…
January 24, 2023
Select the right insurance agent for your policy search.General TopicsPersonal Insurance

Insurance Agent or Broker: Which Should I Choose?

To the layperson, the insurance industry comes with complexities, reams of paperwork, and mind-boggling logistics. And buying insurance is no less complex. If you’re the average CNY resident, purchasing insurance has never been more accessible since it can be done through various methods. You can use agents, brokers, or, in some cases, “buy direct” from an insurance carrier. Each method has its pros and cons, and it can be difficult for the average person to know which option is best for their specific situation. That’s why it’s critical to conduct careful research before buying insurance. Clients who choose Horan as…
January 10, 2023
Young female renter holding the key to her new CNY apartment.Personal InsuranceRenters Insurance

Why Young Renters in CNY Need Renters Insurance

You’ve made it to independence, which means holding a shiny set of keys to your first apartment. The kitchen is all yours, even if you don’t plan on using it much. And the days of waiting in line for the bathroom are over. You’ve also got more rooms than you know what to do with, and you’ll need more stuff to make the echoes go away. When you’ve completed your buying spree, add one more necessary item to the list. But Why Do I Need Renters Insurance? I’m glad you asked. Here’s the thing. In a perfect world, nothing ever…
December 8, 2022
A sledder cutting through deep snow in Central New York.Personal InsuranceSnowmobile Insurance

Do I Need Snowmobile Insurance in Central New York?

It’s that time of year again when Canada, our neighbor to the north, sends cold air across the warm surface of the Great Lakes, giving us that heavy lake-effect snow we love to play in. Central New York is almost unrivaled for its nor’easters, snow squalls, whiteouts, and polar vortexes that make for the perfect snowmobiling landscape. For some, this weather creates a longing for life in the Deep South; for others, it’s an ideal playground. If you’re reading this, you’re probably about to join over 100,000 New Yorkers who own a snowmobile registered with the Department of Motor Vehicles.…
December 1, 2022
Blog Post - Do I Need Renters InsurancePersonal InsuranceRenters Insurance

Do I Really Need Renter’s Insurance?

No one ever wants to pay more bills than they have to, but one bill if you are a renter you should welcome is a renters insurance policy. The most significant benefit is that if you have a policy with the same insurance carrier as your car insurance, the multi-policy discounts you receive may make your renter's policy seem free. The average in New York is $142, or about $12 per month – a renters insurance policy protects more than you think. Let's look at a couple of examples. The first example is the obvious one – a fire (or…
March 31, 2022
Blog - Colorful Kid's Pastel Drawing of a House on Fire and Pastels are Laying on the Table Next to the DrawingPersonal Insurance

Insurance Claims: Frequency vs. Severity

A high frequency of small insurance claims can have a longer-lasting negative impact on you than a single high severity one. It is an unwritten rule in the insurance industry; the fewer claims, the higher the likelihood of having the policy renewed. It can be challenging to square this philosophy with the mindset of “That’s what insurance is for!”. There is nothing wrong with expecting that a loss, when covered, will result in a paid claim. The general point of an insurance policy is to make you whole again. If a fire breaks out in our home, we will claim…
March 17, 2022
Blog - Hooded Man Posing in the ForestPersonal Insurance

Insurance For Vacant Land

Vacant land insurance is one of the easiest things for an insurance agent to quote, and it’s especially easy when the land is actually vacant. To know when a property is considered vacant, you must first see how an insurance company defines vacancy. Without understanding this specific definition, you could find yourself with an insurance policy that ends up being void when it comes time to file a claim. Vacant Land: A tract or parcel without any structures or improvements. Whether you have an empty lot, acres of woods, or a stretch of water frontage on a unique parcel, they…
March 10, 2022
Blog - Person in a Black Hoodie with Sunglasses, Black Gloves, and with a Black Mask Stealing an Open Laptop in a Car with the Window OpenHomeowners InsurancePersonal Insurance

Insuring your things when your things are gone.

When your possessions leave your home, how are they insured for loss? If your stuff became damaged due to a car accident, fire, or vandalism, where would you turn to have it replaced? What if your earrings came up missing from your hotel room? How about if the Mac Book Pro was no longer in your car? What happens when your things are away from the insured premises? Insurance policies are rife with exclusions, definitions, and tons of insurance jargon. Reading the policy on the first try might not provide you with a clear answer, and it might not on…
March 2, 2022
Blog - Man Taking a Selfie Next to a Woman Holding Up Her Hand and Pointing to Her Finger Since They Just Got EngagedJewelry InsurancePersonal Insurance

Protecting the Family Jewels – Do You Have Enough Coverage?

As a homeowner, the first thought regarding insurance is the house – the structure, but what about that shiny jewelry? According to The Knot, in 2021, the average cost of a wedding set in the US was nearly $6,000, and the Northeast has a higher US average of $7,400. The average spending on an engagement ring alone is between $1,000 to $4,000, with only 8 percent of couples spending less than $1,000. Why does this matter? Well, if you have jewelry of value – engagement ring, wedding band, earrings, or family heirloom piece(s) of jewelry – you do not have…
February 24, 2022
Blog - Teen Driver Smiling Behind The WheelCar InsurancePersonal Insurance

When should you insure your teenaged driver?

Having a new 16-year-old is a big deal for parents. It’s also a big deal for your car insurance company. Leading up to the time that your son or daughter turns sixteen it’s a good idea to begin laying the groundwork for some important changes to your insurance. Insurance rates for teen drivers are considerably more expensive than the rates you’ve been accustomed to as the parent. Forecasting what the changes might look like will help you become better prepared for their successful road-test. Things to consider Does my teen want to get licensed? Once a license is issued for…
February 10, 2022
Why Cheap Car Insurance Is So ExpensiveCar InsurancePersonal Insurance

Why Cheap Car Insurance Is So Expensive

Do you ever find yourself looking for ways to trim your monthly expenses? Perhaps the XM subscription could go, or maybe the cable is finally up for consideration (that home phone line went bye-bye years ago). Or maybe, that money-sucking-always-increasing-car-insurance-policy could use a scalpel. Tempting? Sure. But, before you throw it on your table and go all Dexter Morgan with it, you’d be wise to familiarize yourself with the basics behind all those big numbers. Before we go down that rabbit hole, there’s a secret I’m going to let you in on. Your car insurance rate has much more to…
February 4, 2022
Blog - Pit Bull Mix Raven Smiling at the CameraHomeowners InsurancePersonal Insurance

The Dog Days are Over (but I know some shady cats)

When the clock strikes midnight on January 28th, 2022, New York State’s Pit Bulls, Rottweilers, Dobermans, and more will be throwing a big party…a house party to be exact. This is when New York governor Kathy Hochul’s legislation against dog-breed restrictions by insurance carriers takes effect. Up until now, home insurance carriers that were approved to offer insurance policies in New York were permitted to turn-away prospective customers based solely on the breed of dog the customer owned. Each homeowners’ insurance carrier had its own list of forbidden breeds. If you were looking for a new home insurance policy, you…
January 14, 2022
Blog - 6 Weather Resistant Building Materials to Protect Your HomePersonal Insurance

6 Weather Resistant Building Materials to Protect Your Home

A poorly built home made out of shoddy materials is a high risk to everyone involved. From the physical threat to those who own the house to the financial and legal risk of those who built it: this is something, you don't want to take on. Instead, every home must be built to last or updated later on with high-quality materials to improve longevity. Each of these materials can help homes weather any storm and should be considered for your next project. 1. Siding Built for More Than Aesthetics   Many people first think of color and texture when getting…
August 20, 2021
Blog-Homeowners-PolicyHomeowners InsurancePersonal Insurance

My Homeowner’s Policy Covers Fire, Right?

As a personal lines insurance agent for many years, I cannot say I have seen it all. However, I have seen a lot. I think the more important thing is what I have not seen, but very easily could have. I apologize if this seems cryptic, so I’ll explain. For most homeowners, their initial response is, “Yes, my house is insured if it catches fire!” and usually they would be correct. This is not about the usually. This is about the unusual that I’m beginning to see more and more frequently. “The House is for Sale! We’re out of here!”…
January 22, 2021
Personal InsuranceRenters Insurance

Unmarried Couples & Insurance

Unmarried & Uninsured? As people continue to delay marriage and cohabitation rates increase, the amount of unmarried partners buying insurance will increase. However, being "unwed" while living together can cost you money or protection from an insurance perspective. When married couples are on the same policy there are more discounts . Not to mention improved tiering, consolidated billing, plus other benefits. This is changing rapidly and now many unmarried couples can buy insurance at a competitive rate compared to married couples. Caution... However, there are some nuances to be aware of especially if you decide to move in with your…
December 6, 2019
Homeowners InsurancePersonal Insurance

The Absurd Value of Homeowner’s Insurance

The Absurd Value of Homeowner's Insurance Homeowner's insurance is one of the most common forms of insurance because similar to cars, many lenders won’t allow you to buy a home without first having insurance in place to protect it. Those lenders understand how important homeowners insurance is. When you break down everything it covers, the premiums you pay every month can seem like a steal. The average homeowners insurance premium is somewhere around $1,000 a year. This can be higher or lower depending on where you live. For the math though, $1,000 is a nice round number that will make…
November 1, 2019
Homeowners InsurancePersonal Insurance

Is your landscaper or that deck builder insured? Does it Matter?

When others do work at your house, should they be insured? As the summer months come upon us, contracting season goes into full bloom.  New patios and decks or weekly grass cutting bring contractors to your doorstep. They provide estimates, plans, ideas, and more. What about insurance? What is said about that? Is it on your list of things to ask about? It needs to be. What's the risk? Home Ownership 101. What happens on your property is your responsibility. That's right...yours and yours alone. Just because someone has fancy graphics on a truck or a business card, does not…
May 14, 2018
Motorcycle InsurancePersonal Insurance

Too Many Motorcycle Riders are Dying

Motorcycle Fatalities at Their Highest Rate Since 2008. It's March, and that means warmer weather is coming. It also means motorcycle season is about to begin once more. This is an exciting time for many bike enthusiasts. The opportunity to be out riding during Central New York's few warm months is merely a dream between October and April. As we move toward making those dreams come true, we must first face some hard facts. Riders are dying. They're dying at a rate not seen since 2008. 2016's totals (most recent published statistics) yielded 5,286 fatalities. To put it into perspective,…
March 6, 2018
Personal Insurance

Do you think your house is over insured?

Do you think your house is over insured? Have you asked your agent: "Why is my house insured for so much? It isn't worth that!" It might be the most asked question in ALL of insurance (except for health insurance, which has its very own continent as far as insurance questions are concerned). I have a client who buys a house for $140,000. They call for an insurance policy. The insurance value on the house comes in at $225,000. The confusion ensues. Why is there such a discrepancy between what the insurance company thinks your house is worth, compared to…
February 16, 2018
Car InsurancePersonal Insurance

DON’T Break Glass in Case of Emergency!

Don't Break Glass in Case of Emergency! The sound of the car door closing behind you rings in your head, and then it happens. Keys!! You turn and peer into the window, and there they are. Sitting like orphans on the front seat, or hanging from the ignition. Your brain goes through rapid fire scenarios and possibilities as to how you'll resolve this. Do you: Call someone at home to bring a spare key? Use your roadside assistance plan? Call a locksmith? Grab a wire hanger? or.... Bust the window!? If you have comprehensive insurance coverage with a zero dollar…
February 6, 2018
Personal Insurance

Realtors, Loan Officers, & Attorneys: The home insurance transaction is not what you think.

3 Things to Know About Your Buyer's Homeowner's Insurance As a professional who is a part of a residential real estate transaction, you know that homeowner’s insurance is a critical part of the closing. However, there are three things about it that could make or break your deal: The effective date of the policy is the effective date. If you insist on the buyer/borrower clearing the underwriting hurdle for a paid receipt and binder, beware. Once bound, it cannot be changed. Unlike a closing date, that works as an on-or-about kind of date, an insurance policy is different. A binder,…
January 31, 2018
Car InsurancePersonal Insurance

New York Rules that Auto Insurance Rates Can’t be Based on Driver’s Level of Education

Could New York auto insurance rates get smarter? The New York Department of Financial Services (DFS) has finalized a regulation aimed to protect New York drivers from being unfairly discriminated against. The regulation centers around insurance carriers that were using a driver's level of education or occupation data when determining an auto insurance rate. After a multi-year investigation, the DFS came to a couple conclusions. Education played no role in determining whether someone was a better driver. The risk of loss was not higher regardless of a G.E.D. or a PhD. The DFS has given insurance carriers 180 days to…
January 25, 2018
don't let frozen pipes in syracuse new york happen to youHomeowners InsurancePersonal Insurance

Have you heard that one about the exploding pipe?

We choose to live this way. Maybe that's the problem. We could all band together and begin the mass exodus out of Syracuse. Perhaps the northeast altogether? When the average high temperature resembles a pro-golfer's score through 3 holes, things get tempting. Alas, we will forge on and swear to never complain about the heat in August. In the meantime, let's be sure to keep the heat on and run the water. Bursting pipes and water damage are some of the most frequent claims in the wintertime. While a standard home insurance policy will provide coverage for such a claim,…
January 18, 2018
Personal Insurance

Do Golf Carts require separate insurance?

Question 90 in 100 Insurance Questions in 100 Days Video Series! Many times certain things that we think would be insured through another policy, often times are not. That is why if you own something like a golf cart and you are using it away from your residence (as most do), that you make sure you have something in place that will step in if you injure someone or damage something while driving the cart. See more info on this topic in this brief video.
November 5, 2017
Life InsurancePersonal Insurance

How is Universal Life insurance different?

Question 85 in 100 Insurance Questions in 100 Days Video Series! Everyone should have life insurance. We are all going to die. It's not fake news. So, choosing the best life insurance option is critical. Most everyone knows about term and whole life insurance, but what about universal life? Click on the above video to learn more about this valuable option.
October 30, 2017
Car InsurancePersonal Insurance

If my car is stolen, what happens?

Question 84 in 100 Insurance Questions in 100 Days Video Series! Hopefully a stolen car is not something that you will ever have to experience. However, in the event your car is stolen, but later recovered what do you think might happen to it? How does it work with your insurance company? Watch this brief video to learn more.
October 29, 2017
Homeowners InsurancePersonal Insurance

Does insurance cover your stuff while in another country?

Question 82 in 100 Insurance Questions in 100 Days Video Series! When traveling, you might find yourself a bit vulnerable as it applies to the security of your possessions. Sometimes locking up a the $3,000 MacBook Pro doesn't happen. Sometimes you return to your hotel room and it's missing. Then what? Watch this video to see what happens to your stuff when your stuff is away from home.
October 27, 2017
Personal Insurance

Do home insurance claims last as long as auto claims?

Question 81 in 100 Insurance Questions in 100 Days Video Series! When placing a claim on your home insurance policy it is important to know how long this claim can impact your future premiums. You might find that making a low dollar claim may ultimately cost you more in premium then the claim was even worth. See more information in this brief, but informative video.
October 26, 2017
Car InsurancePersonal Insurance

What insurance gaps exist when driving for Uber or Lyft?

Driving for Uber or Lyft in New York State? Thinking about driving for Uber or Lyft in New York State (specifically central and upstate)? Ride-sharing is an exploding industry which has taken the use of modern technology and made it simple to book a ride with just a couple of clicks on your Smartphone. It's also become another way for people to earn some extra money. If you own a car, can meet some basic background requirements, and are over 18, then you can apply to become a driver. Then, just wait for someone to book a ride with…
October 24, 2017
Personal Insurance

Would you be able to keep the insurance money and NOT rebuild?

Question 73 in 100 Insurance Questions in 100 Days Video Series! What if you could sail off into the sunset after suffering a complete loss on your home? If you were to just glance at your declarations page and see your home's replacement value, you might be tempted to do just that. Ah, but not so this brief video to see more.
October 18, 2017
Car InsurancePersonal Insurance

Does homeowners insurance cover damage to an unregistered vehicle?

Question 66 in 100 Insurance Questions in 100 Days Video Series! If you have ever taken a car off the road, something quite common here in the Greater Syracuse area, and not considered how it would be covered if it were to be damaged in a fire, well now's your chance! Take a look at the brief video to see how you can make sure that your car is insured when it's off the road.
October 11, 2017
Personal Insurance

Escrow paid?

Question 64 in 100 Insurance Questions in 100 Days Video Series! If you are first time home buyer, a lot can be lost in the shuffle as you move through the process of closing. One item is how your home insurance is paid. Most times, when your homeowners policy comes up for renewal the following year, the payment will be made by your lender. Watch this video for further explanation.
October 9, 2017
Car InsurancePersonal Insurance

Can one spouse be liable to the other in a car accident?

Question #61 in 100 Insurance Questions in 100 Days Video Series! There is a little known limit of coverage that one can add to an auto policy in New York. It is called supplemental spousal liability coverage. It essentially allows a spouse to sue the other spouse for bodily injury they sustain as a result of an at-fault accident committed by the other spouse. Watch this brief video for more information.
October 6, 2017
Car InsurancePersonal Insurance

Can a DUI get me cancelled?

Question #60 in 100 Insurance Questions in 100 Days Video Series! In New York State your insurance company has every ability to walk away from your policy if you should be convicted of DUI. If you are not cancelled right away then a non-renewal is almost a guarantee. See this short video for more information.
October 5, 2017
Homeowners InsurancePersonal Insurance

Would a home policy cover me if a hot-air balloon crashed into my house?

Question #58 in 100 Insurance Questions in 100 Days Video Series! Now it isn't often that things like this happen. No insurance company has ever advertised on the platform of random objects falling onto houses. However, that does not mean that it can't happen. If it should, then going to your New York State home owners insurance policy will show you that you are in-fact insured for falling objects. So, meteors, hot-air balloons, and other random things that should fall from the sky should not make you worry.
October 3, 2017
Life InsurancePersonal Insurance

What’s Whole Life?

Question #54 in 100 Insurance Questions in 100 Days Video Series There are three primary kinds of life insurance. Term, Universal, and Whole. Whole Life is sometimes referred to as General Life. It does as its name suggests, it stays with the insured until death. Unlike term, which can be outlived, whole life will remain. The premium can be paid all at once, over 20-years, or every year until death. It also has a cash value component. See this brief video for more information on this New York State insurance product.
September 29, 2017
Personal Insurance

Are certain dogs not allowed?

***Alert*** A new law has gone into effect as of January 28th, 2022 Question 50 in 100 Insurance Questions in 100 Days Video Series On a New York State home or renters insurance policy, you are likely to be asked whether or not you own a dog. Your answer can very much determine if you'll be moving forward with the policy or not. Many, if not most companies, exclude Pit Bulls, Rottweilers, and Dobermans. Watch this brief video to learn more.
September 25, 2017
Car InsurancePersonal Insurance

What is Underinsured Motorists Coverage?

Question 49 in 100 Insurance Questions in 100 Days Video Series Uninsured motorist coverage is one of the least expensive portions of a New York auto insurance policy. It protects you from those driving around our state with very limited liability coverage and no money to go after, If you have not looked at your coverage in a while, now's a good time. If you're not sure about this valuable protection, watch this brief video!
September 25, 2017
Life InsurancePersonal Insurance

What is Term Life Insurance?

Question 48 in 100 Insurance Questions in 100 Days Video Series One rule of thumb is that you should have $50,000 in coverage for every year you have left to work. If you are married, or have children, or both, then consider a term policy. Don't get too caught up in whole life or universal life for now as securing a term policy is the least expensive for the most death benefit.
September 24, 2017
Car InsurancePersonal Insurance

What does Gap Insurance do?

Question 46 in 100 Insurance Questions in 100 Days Video Series If you've ever financed a vehicle and suffered a total loss early on in the loan, you might have been upside down. Okay not literally, but you might have had no car, and $3,000 bill left to pay to the bank. Insurance carriers do not base their decisions upon the balance we owe to the bank, but rather the vehicle's current market value. Gap insurance will assist in this area. Watch the video to see more.
September 21, 2017
Homeowners InsurancePersonal Insurance

Are stolen items from a car insured?

Question 43 in 100 Insurance Questions in 100 Days Video Series It is never fun to realize the car was left unlocked with many expensive items in plain sight. The iPad, iPhone, Android, golf clubs, daughter's tuba, or all of those hard to replace CDs are in the arms of another. You look over your New York auto policy only to find that you are out of luck. There still might be this short video to see what I mean!
September 18, 2017
Homeowners InsurancePersonal Insurance

Is having a Trampoline a liability risk?

Could your Trampoline Bounce you into a Lawsuit? Trampoline injuries and your homeowner's insurance are joined at the hip. As a homeowner, you might find it tempting to purchase things like a trampoline for your kids to play on. They are a lot of fun and when used correctly are usually pretty harmless. Unfortunately, correct use tends to be forgotten when friends come to play. Should one of those friends get hurt, (regardless of how or why) you, the homeowner, will be left with the financial liability. Consider the short term and long term medical needs, legal fees, pain,…
September 10, 2017
Personal InsuranceUmbrella Insurance

How does an umbrella policy work?

Question 33 in 100 Insurance Questions in 100 Days Video Series In New York State, motorists and homeowners continue to find themselves in the middle of liability suits. The numbers of frivolous lawsuits continue to pile-up causing more and more New Yorkers to have to find counsel to defend themselves. We're missing time from work, digging into savings (if there is any) and spending time feeling nothing short of stress. However, those of with an umbrella insurance policy find these otherwise painful situations to be less burdensome. Watch the short video to learn more.
September 8, 2017
Car InsurancePersonal Insurance

New York Defensive Driver Course; is it worth it?

Question 32 in 100 Insurance Questions in 100 Days Video Series When deciding whether or not to take the defensive driver course in New York State when trying to save extra money on your auto insurance. You'd be wise to consider the information in this short video. It's not all that it seems and you could be doing yourself a disservice if your savings is MORE than it is supposed to be.
September 7, 2017
Car InsurancePersonal Insurance

When does a ticket or accident stop hurting your rates?

Question 17 in 100 Insurance Questions in 100 Days This is a common question and one that doesn't always offer a favorable answer. Most insurance companies are going to go back 5-years for all drivers on the policy. Any infraction will impact the overall rate of the policy. This is why having a small claim can often be more costly over time than the actual dollar amount of the claim. Watch the video for more information.
August 23, 2017
Car InsurancePersonal Insurance

When to buy rental car insurance

Will my New York car insurance cover a rental car? In New York, just about every personal auto policy that we have follows us when we rent a vehicle. The policy would protect you in the event that you were in an accident and caused damage to someone else or to the rented vehicle itself. A claim such as that could be put through your own insurance policy, with one caveat. The one thing it might not cover is the loss of business use associated to the car in which you were renting. For example, as a result of…
August 21, 2017
Personal Insurance

Why is Renter’s Insurance Important?

Question 14 in 100 Insurance Questions in 100 Days Renter's Insurance is one of the least expensive methods of insuring your belongings while also picking up liability protection. If you rent a home, renter's insurance should be part of your budget. On average, it starts at about $10/mo. Watch more to learn what else it does.
August 20, 2017
Homeowners InsurancePersonal Insurance

How does insurance coverage cover detached structures?

Question 13 in 100 Insurance Questions in 100 Days! Have you ever wondered what would happen if a hail storm came through and damaged your detached 2-car garage, or if a tree fell onto your pool? You have enough coverage for your house probably, but what about the things outside your home? You know, the vulnerable items that sit out in the weather, exposed to all that nature brings. In order to make sure you are covered adequately. Make sure to look under other structures coverage on your home policy. Here you will find exactly how much you have.…
August 19, 2017
When a car suffers damage it might not take as much as you'd think to make it totaledCar InsurancePersonal Insurance

How is a car considered totaled?

Question 11 in 100 insurance Questions in 100 Days Is My Car Totaled? You've probably heard someone refer to their car as "totaled" after an accident. Perhaps you yourself have experienced the same. To many, totaled means non-drivable or completely useless... and destined for the compactor at the junk yard. Though that can be true, you might be surprised to hear that it can take very little to total a vehicle. When you carry comprehensive and/or collision insurance on your auto policy, you are insuring yourself for the actual cash value of the car. Actual cash value or ACV,…
August 17, 2017
Homeowners InsurancePersonal Insurance

Loss of Use, is it Worth it?

Question 9 in 100 Insurance Questions in 100 Days! There is a portion of a New York Homeowners Insurance Policy that is often forgotten about. It is called Loss of Use or Additional Living Expense coverage. It's the amount of money your insurance company will provide to you for expenses incurred due to living elsewhere after a claim. If you were to have a fire loss, and the home were to be uninhabitable, you would still be responsible for property taxes, insurance, and of course, any loan payments on the property. Yes, the bank will expect to be paid…
August 16, 2017
Car InsurancePersonal Insurance

Is Liability on Auto Insurance Meaningless?

Question 5 in 100 Questions in 100 Days In order to register a car in New York State, you have to first show proof of insurance. Not insurance that protects the car. The state couldn't care in the least if want to protect your vehicle. Instead they are ensuring that you have liability insurance in case you injure someone or damage something. There is a minimum amount that you are required to carry. $25,000 per person $50,000 per accident $10,000 property damage Anything beyond those limits are your responsibility. For example, if you run a stop sign and tee-bone…
August 11, 2017
You have New York auto insurance policy, but what does that little section called no fault insurance mean?Car InsurancePersonal Insurance

How do I use my No Fault Insurance coverage?

Question #3 of 100 Insurance Questions in 100 Days: What is No Fault Insurance? If I were to go out and ask 10 New York drivers what the definition of no fault insurance is, I’d likely get 10 totally different answers, none of which would be fully correct. Admittedly, before I became an insurance agent, I wouldn’t have known much either. Some might think no fault insurance is some strange endorsement only purchased by a small percentage of people, when in fact it isn’t. Every New York auto policy with registered vehicles will have no fault insurance. So if…
August 9, 2017
When you borrow a car in New York State who pays in case of an accident? Call us at Horan and we'll help you understand this common questionCar InsurancePersonal Insurance

My friend crashed my car! Now what?

Question 2 of 100 Insurance Questions in 100 Days This is one that I get about once every couple of weeks or more. There must be a lot more people loaning out their cars than I thought! As long as you are insured your policy will cover the claim if your friend was in an accident. Of course they had to have been given permission to drive the car first! This is how it works in New York State at least. If you should borrow someone's car, it would be wise to confirm that the insurance is in-fact current.…
August 8, 2017
Homeowners InsurancePersonal Insurance

Neighbor’s Tree Fell on your Property? Who Pays?

When the Neighbor's tree falls on your property...who pays? Have you ever wondered what would happen if that giant ash tree of your neighbor's decided to take a fall...onto your house? Trees are wonderful, grand specimens that mother nature has so generously provided to us. Unfortunately, every tree will eventually make its way to the ground. Unless, it gets stopped along the way. Then what? For those who have never had this happen, your first call might be to your neighbor to say "Good morning, your decrepit tree came down and caved in my roof last night. Let's get…
August 7, 2017