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claims Archives - Horan Companies | New York Insurance Agency, Baldwinsville, NY

Jun 26

Top 10 Weirdest Insurance Claims

By claims, Insurance, Specialty Insurance

Top 10 Weirdest Insurance Claims Protecting yourself in the event of damage, loss, illness or death is what insurance is for. As an adult, you most likely have several types of insurance: car, life, homeowners, etc. If your house catches on fire or you get into an auto accident, you file a claim to receive compensation for replacing or fixing what you’ve insured. However, insurance goes far beyond auto, home and life. When it comes to claims, there have been more than a handful of offbeat occurrences. Here are the top 10 weirdest insurance claims and policies to date. 1….

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Dec 06

Unmarried Couples & Insurance

By Homeowners Insurance, Renter's 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…

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Nov 01

The Absurd Value of Homeowner’s Insurance

By claims, Homeowners 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…

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Feb 06

DON’T Break Glass in Case of Emergency!

By Auto Insurance, claims

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…

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Jan 18
don't let frozen pipes in syracuse new york happen to you

Have you heard that one about the exploding pipe?

By claims, Homeowners Insurance

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,…

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Nov 13
War Insurance

Are Acts of Terror or War covered on home and auto policies?

By Auto Insurance, Homeowners Insurance

Question 99 in 100 Insurance Questions in 100 Days Video Series! War Insurance? An act of terror. An act of war. They are not the same. One will be insured while the other will not. If you have a homeowners or auto insurance policy or any other sort of insurance policy that protects your property, if an act of war were to occur within the United States causing damage to any of your things, then you would not be covered. Acts of war are not at all included in a home or auto insurance policy. Anything caused via that particular…

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Nov 07

What is Mechanical & Electrical Breakdown Insurance?

By Business Insurance

Question 93 in 100 Insurance Questions in 100 Days Video Series! Restaurant refrigeration suddenly ceases up and quits overnight due to a power surge. Equipment is damaged, food is spoiled, and you have to close for 3-days.  You’ve lost income, your staff has lost pay, inventory must be replaced, and the refrigeration needs replacing. Typical business insurance policy…what happens? Watch this brief video explanation to learn more.

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Nov 03

What are loss runs?

By Business Insurance

Question 89 in 100 Insurance Questions in 100 Days Video Series! If you are a business owner, or an employee of one who has the responsibility of handling the insurance, you’ve probably been asked for these before. To see what loss runs are, and why it’s hard to change insurance companies without them, click on this brief video explanation.

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