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

Mar 02
Dumpster Fire

Tuesday Top 3 – Most Important Car Insurance Coverages

By Auto Insurance

https://horansolution.com/wp-content/uploads/2021/03/Tueday-Top-3-ep.-3.mp4 Insurance Quote Request Your Name* First Last Your Email* Your Phone NumberWhat type of insurance would you like to discuss with one of our insurance professionals? Personal Insurance Business Insurance Specialty Insurance Your Home Address Street Address Address Line 2 City State / Province / Region ZIP / Postal Code What category best describes your business? Construction Distribution Education Energy Financial Services Food Manufacturing Medical Non-Profit Professional Recreational Real Estate Retail Technology Transportation Wholesale How many employees do you currently employ? 0 – 24 25 – 49 50 – 99 100 – 249 250 – 499 Over 500 Please…

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Nov 13
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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Nov 05

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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Oct 13

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

By Business Insurance, Business Liability

Question 68 in 100 Insurance Questions in 100 Days Video Series! 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!

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Aug 11

Is Liability on Auto Insurance Meaningless?

By Accidents, Auto Insurance, claims, Driver Safety, Rates Prices

Question 5 in 100 Questions in 100 Days 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 a…

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