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

How does Fire Legal work?

By Business Insurance, Business Liability

Question 57 in 100 Insurance Questions in 100 Days Video Series. 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.

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Are certain dogs not allowed?

By Homeowners Insurance

Question 50 in 100 Insurance Questions in 100 Days Video Series On a New York State home or renters insurance policy, you are likely to be asked whether or not you own a dog. Your answer can very much determine if you’ll be moving forward with the policy or not. Many, if not most companies, exclude Pit Bulls, Rottweilers, and Dobermans. Watch this brief video to learn more.

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Is having a Trampoline a liability risk?

By claims, Homeowners Insurance

Could your Trampoline Bounce you into a Lawsuit? Trampoline injuries and your homeowner’s insurance are joined at the hip. As a homeowner, you might find it tempting to purchase things like a trampoline for your kids to play on. They are a lot of fun and when used correctly are usually pretty harmless. Unfortunately, correct use tends to be forgotten when friends come to play. Should one of those friends get hurt, (regardless of how or why) you, the homeowner, will be left with the financial liability. Consider the short term and long term medical needs, legal fees, pain, and…

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How does an umbrella policy work?

By Auto Insurance, Homeowners Insurance

Question 33 in 100 Insurance Questions in 100 Days Video Series 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.

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