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

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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What insurance gaps exist when driving for Uber or Lyft?

By Auto Insurance, claims

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 you…

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What’s a Declarations Page??

By Auto Insurance, Business Insurance, Homeowners Insurance, landlord protection, Renter' Insurance, Uncategorized

Question 42 in 100 Insurance Questions in 100 Days Video Series The place to see what you are actually covered for exists on your declarations page. This is where you find out how much protection you have (or don’t have) for liability, property damage, physical damage, medical payments, and so much more. Your New York insurance policy hinges on the information displayed on these pages. If you don’t see a charge for something you hoped would be covered, it probably isn’t.

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