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home insurance Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

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
Business InsuranceCommercial Endorsement

What is Mechanical & Electrical Breakdown Insurance?

Question 93 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/9UcPkHUTw1A 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.
November 7, 2017
Personal Insurance

Do Golf Carts require separate insurance?

Question 90 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/Cd1HNR5yAaE 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
General Topics

How come insurance rates go up after claims?

Question 86 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/iDW3YaakK6I Isn't that what insurance is for? Yes it is, and more. However, your rates are based on your past, if something in the future changes, so will the insurance rate. That is the nature of the insurance business. Find out more in this brief video.
October 31, 2017
Personal Insurance

Do home insurance claims last as long as auto claims?

Question 81 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/wbBuP2t8AZw 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
Personal Insurance

Escrow paid?

Question 64 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/Pc2_qQzW1vQ 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
Personal InsuranceUmbrella Insurance

How does an umbrella policy work?

Question 33 in 100 Insurance Questions in 100 Days Video Series https://youtu.be/6RTxB2KZApA 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
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