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

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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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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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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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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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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Do Golf Carts require separate insurance?

By Auto 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.

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