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fire Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

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
General Topics

After the Fire and Rain

What Happens After the Fire's Out or the Water Stops?   By Local Guest Blogger: Lorraine White of Property Restoration, Inc.   12-Step Restoration Procedure Evaluate your Emergency- Get to safety and call 911 for a true emergency.   Call your insurance agent- Report the claim. If it’s after business hours, call claims and take notes for any questions you want to ask your agent.   Selecting Restoration Services- Know your options! You have a “right” to choose which Water/Fire Damage clean-up company come into Your Home. It is nice to have a referral of a company that is known. Check Google Reviews and other avenues to feel confident with your choice.  …
July 7, 2020
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! https://youtu.be/LtUW7Zd4HAg 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 fast....watch 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! https://youtu.be/zj7pqyr2pG8 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
Business InsuranceBusiness Owners Insurance

How does Fire Legal work?

Question 57 in 100 Insurance Questions in 100 Days Video Series. https://youtu.be/G-rXNGJfXEs As a business when you rent space, you are liable for what damage occurs within it. However, the portion of your policy that covers general liability excludes damage done to your specific space. The fire legal section of your policy is what covers your liability to the building owner. Without it, or without enough, you'd be on your own for the cost of damages to your space. Watch this brief explanation for more.
October 2, 2017
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