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rates Archives - Horan Companies - New York Insurance Agency, Baldwinsville, NY

Blog Post - Over-InsuredGeneral Topics

Yes, you can be over-insured.

Ask most insurance agents, and you’ll get the same answer: “You can never have too much insurance” they’ll say. Well, if that were true then we’d all be insuring our chest hair like Tom Jones, or our booties like J-Lo. Tom and Jen aren’t over-insured. You, me, and pretty much everyone you know, would be over-insured with those policies.  Being over-insured doesn’t have to just be about some money-making body part. There are many ways you can become over-insured. These are the policy types that are most often selling you more than you might need:      1. Homeowners Insurance…
February 17, 2022
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
Homeowners InsurancePersonal Insurance

How does insurance coverage cover detached structures?

Question 13 in 100 Insurance Questions in 100 Days! https://youtu.be/56fNMkT5kL4 Have you ever wondered what would happen if a hail storm came through and damaged your detached 2-car garage, or if a tree fell onto your pool? You have enough coverage for your house probably, but what about the things outside your home? You know, the vulnerable items that sit out in the weather, exposed to all that nature brings. In order to make sure you are covered adequately. Make sure to look under other structures coverage on your home policy. Here you will find exactly how much you have.…
August 19, 2017
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