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property damage Archives - Horan Companies - CNY Insurance Agency

War InsuranceHomeowners InsurancePersonal Insurance

Are Acts of Terror or War covered on home and auto policies?

Question 99 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/k7YnL4RGiZo March 10, 2022, ***Update*** Based upon current events, articles like these have become very popular. We strongly encourage you to contact your insurance agent with additional questions that are not answered here.    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…
November 13, 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
Business InsuranceGeneral Liability Insurance

How does Completed Products and Operations liability work?

Question 88 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/-c4Lv31AEE4 If you've ever delivered a product back to a customer after you've worked on it, or built something new for them, what would happen if you forgot to tighten the last screw? What if as a result someone was injured? How would that work on your insurance policy? Take a look at this brief video to learn more.
November 2, 2017
Business InsuranceCommercial Endorsement

Is there insurance to cover breaking something of my customer’s?

Question 68 in 100 Insurance Questions in 100 Days Video Series! https://youtu.be/-Wjoz2GoW9M With something called Voluntary Property Damage protection, you would have insurance for the accidental breakage or destruction of a client's property. However, this is not always a given in the policy and when it is, the limits can be lower than you might like. Watch this video to learn more!
October 13, 2017
Car InsurancePersonal Insurance

Is Liability on Auto Insurance Meaningless?

Question 5 in 100 Questions in 100 Days https://youtu.be/9OpbD8gQ8U4 In order to register a car in New York State, you have to first show proof of insurance. Not insurance that protects the car. The state couldn't care in the least if want to protect your vehicle. Instead they are ensuring that you have liability insurance in case you injure someone or damage something. There is a minimum amount that you are required to carry. $25,000 per person $50,000 per accident $10,000 property damage Anything beyond those limits are your responsibility. For example, if you run a stop sign and tee-bone…
August 11, 2017
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