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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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What Are Popular Add Ons for Home Insurance?

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Endorsements, riders, and add-ons are all the same thing. They allow owners to expand their coverage according to their location, possessions, and unique needs. The right endorsement allows you to have a wider umbrella of coverage if something goes awry.

Here is a list of the most frequent home add-ons.

  • Swimming Pool Coverage
  • Foundation Coverage
  • Equipment Breakdown Coverage
  • Foundation Costs
  • Water Backup
  • Buried Utility

Swimming Pool Coverage

Pools are risky whether they’re full or empty and are considered high-risk. Related injuries aren’t covered under standard policies, and people can become injured at any time. Diving boards, slides, slips, and falls are common injuries.

Equipment Breakdown Coverage

Commonly called appliance coverage, equipment breakdown coverage covers a number of items not covered under traditional insurance. With this endorsement, appliances such as tech devices, refrigerators, laundry implements, HVAC systems, and gym equipment qualify for repairs or replacement.

Water Backup

Sump pumps, storms, wear and tear, leaks, and other home issues can cause water damage, which can be costly if not quickly fixed. Your rider will cover water backups.

Buried Utility

You could be held liable for cuts or broken power and utility lines, particularly if you caused the damage rather than the company itself. An endorsement policy will cover power lines, water pipes, cables, and main sewer lines.

Foundation Costs

Traditional insurance policies won’t cover damage, repairs, or replacement of home foundations. However, one of the top add-ons will cover this essential part of the home. Common signs of foundation problems include sticking doors, never floors, sagging windows, and cracks in the foundation or basement. Typical causes include:

  • Poor Soil Conditions
  • Landscaping Near the Home
  • Plumbing Problems
  • Faulty Construction
  • Standing Water and Poor Drainage

Fixing a foundation can be costly, making this a valuable endorsement.

Need a Solid Home Insurance Policy?

There’s no better place to get insurance for standard policies and riders than Bryan Insurance Agency LLC in New Windsor, NY. Call today.

Risks Of Not Having Proper Auto Insurance

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The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

  • Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
  • Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
  • There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

Risks Of Not Having Proper Auto Insurance

Posted on by admin

The primary purpose of auto insurance is to protect drivers on the road. However, many car owners still take the huge and unnecessary risk of driving without insurance. If you are also one of those who decided to skip auto insurance, be prepared to face the following risks:

  • Legal risks. Most states in the US, including the state of New York, require you to have the minimum auto insurance. That means that driving without any auto insurance is illegal and can cause certain legal consequences. 
  • Financial risks. Accidents happen every day, some of which you cannot prevent, even if you are a good and careful driver. Accidents often lead to serious property damage and high medical bills. If you do not have auto insurance, you will have to cover them yourself. 
  • There are risks in dealing with an uninsured motorist. Unfortunately, there are many uninsured motorists. If you are involved in an accident with one of them, you may be left with bills that you have to cover out of pocket, even if you are not the one who caused the accident. 

These are only a few risks that you may face if you decide to get behind the wheel without insurance. As you can see, it is not worth it. Therefore, as a responsible driver, make sure to carry proper car insurance. Do you reside in New Windsor, NY, or any other nearby town and need help choosing the right policy? We at Bryan Insurance Agency LLC are ready to assist you. Experienced insurance agents at Bryan Insurance Agency LLC will answer all your questions and help you find the best policy. Give us a call today to be covered tomorrow. 

How Term Life Insurance Works

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Term life insurance provides coverage for a specific amount of time. Learn about this type of coverage. If you want to purchase a policy, contact one of our Bryan Insurance Agency LLC representatives for assistance.

Whole Life 

A whole life insurance policy provides coverage throughout a person’s life. This type of policy often builds a cash value that can be borrowed against. Because a whole life insurance policy is valid for a long duration, this type of insurance coverage is often more expensive than the cost of a term life policy.

Term Life

A term life insurance policy will remain valid for a specific amount of time. The insured will be supplied with a fixed rate. This rate will not change while a term life insurance policy is valid. Once the term life insurance policy has expired, the insured will need to purchase a new policy if they would still like to be covered.

A term life insurance policy will not build a cash value that the insured can borrow against. Because a term life insurance policy is only valid for a specific duration, the coverage may be much more affordable than purchasing a whole life policy.

Additional Information

Consider how a term life insurance policy can benefit you. If you have young children, you may want to purchase a policy that will guarantee that your children will be financially supported if you die before they are legal adults. If you have teenagers who are in college, you may also benefit from having term life coverage.

Contact Bryan Insurance Agency LLC

If you want to purchase a life insurance policy, contact one of our agents who serve New Windsor, NY. An agent will outline the life insurance products that you can select from.

Why basic auto insurance may not be the right coverage

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Basic auto insurance is what is required by the state of New York to drive legally. It is up to the driver and their insurance agent to make sure they have what they need. Our independent insurance agents at Bryan Insurance Agency LLC in New Windsor, NY, will ensure that you have what is required and what you personally need. 

Basic insurance in New York

Basic auto insurance in New York is liability coverage. It protects other drivers from you. What you must have is 25/50/10. This is $25,000 for one injured person in a single accident, $50,000 for all the injuries in an accident, and $10,000 for property damage. As you can see, these are very minimal figures. If injuries are severe and the vehicle damage is serious, you could find yourself very short of adequate coverage. 

Auto loan or lease?

If you have a vehicle loan or are leasing, you cannot get away with basic auto insurance. You will have to protect the vehicle, not just other drivers. That means having collision and comprehensive coverage. 

Need your vehicle daily?

If you are like most people and count on your vehicle to get to your job, run errands, and get around daily, protecting others and not your vehicle isn’t truly an option. You need to ensure that your vehicle will be repaired or replaced if you have an accident, and you are responsible. This means having collision and comprehensive with a reasonable deductible and maybe full glass coverage and maybe gap coverage as well. 

Contact our Bryan Insurance Agency LLC office in New Windsor, NY, to discuss your auto insurance today. We will make sure you are legal and well covered. 

Senior Living: Tailoring Home Insurance for Empty Nesters and Retirees

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In the tranquil community of New Windsor, NY, life takes on a new rhythm for empty nesters and retirees. At Bryan Insurance Agency LLC, deeply embedded in the heart of New Windsor, we understand that this phase brings unique considerations, especially regarding home insurance. Our commitment is to provide tailored insurance solutions that adapt to the changing needs of our esteemed seniors.

Customized Home Insurance for Your Next Adventure

With children forging their paths and retirees embarking on fresh adventures, the concept of ‘home’ transforms. Recognizing this evolution, we take a personalized approach to home insurance. Our mission is to align your coverage with your lifestyle and home dynamic shifts.

Safeguarding Your Lifestyle with Tailored Coverage

Our agency goes beyond conventional insurance in serving the vibrant New Windsor community. We understand the distinctive needs of our senior residents. Crafting tailored coverage is about more than safeguarding the physical structure – it’s about securing the memories, valuables, and unique lifestyle that define your home.

Your Trusted Companion in New Windsor

Bryan Insurance Agency LLC stands as your trusted companion in New Windsor, offering service that transcends traditional insurance. Recognizing that senior living is a distinct journey, our team is committed to providing not just coverage but the proper coverage. We ensure security and peace of mind as you embark on this exciting new chapter of life.

Explore Tailored Coverage: Reach Out Today

As you navigate the pleasures of senior living in New Windsor, securing your home with the right insurance is paramount. Contact us today to explore how we can tailor home insurance coverage in the New Windsor, NY region, offering the peace of mind you deserve in this vibrant new phase of life.

At What Age Should I Start Thinking About Purchasing Life Insurance?

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While no one likes discussing life insurance, it’s a topic that must be addressed and planned for. Most people think that you should be around 40 or 50 to start thinking about purchasing a life insurance policy, but is this true? At what age should you start considering buying life insurance as a New Windsor, NY resident (or anywhere else)?

It’s Never Too Soon

You’re never too young to start thinking about purchasing life insurance. Some parents even have life insurance for their children, like a "grow-up" plan. These plans mature with the child but can also be used if the unfortunate happens early. So, if you’re young and just starting in the workforce, purchasing a good life insurance policy is not a bad idea. Many companies will even provide up to a certain amount of life insurance while allowing you to purchase more. 

Rates Are Lowest For Young People

There are advantages to purchasing a life insurance policy while you’re young. One definite plus is that rates are the lowest for young people, so the sooner you obtain a policy, the less you’ll pay. Some prices are locked in, so rates won’t increase with age, but this depends on the company and the type of life insurance. 

No one can ever predict when they might die. An unexpected illness or accident could occur at any time, which is why there is no specific age at which a person should purchase life insurance. Call us at Bryan Insurance Agency LLC if you’re looking for a new insurance agency. We cover the New Windsor, NY area in addition to others. You won’t be disappointed by contacting us because, at Bryan Insurance Agency LLC, we focus on providing the best customer service as well as supreme coverage.

I Opened a Business, Now What Do I Do?

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Congratulations! You are open for business! Now, you need to get some insurance. Here’s how you do that. 

Evaluate Your Risks

What kind of risks could you experience in your business? Do you sell food that can spoil? Do you do any business online (Who doesn’t these days?) that could be open to cyberattacks? Are your wares easily damaged? Accidents and dissatisfaction can affect any business. This will help you figure out what kind of policy you need.

Research the Types of Insurance 

Most likely, you will need general liability insurance to protect you from typical third-party lawsuits. If your business is fairly low risk, you may do with a simple business owner’s policy. If your business provides service or advice, professional liability insurance would be the way to go. If you hire any employees, you are required to have workers’ compensation insurance. Cyber insurance is an excellent idea to protect yourself and your clients online. If you have a business vehicle, that needs to be insured, too. 

Apply for a Free Quote 

Contact your insurance agency. Tell them your business location, number of employees, assets, and estimated annual revenue. This information will help them give you a quote. 

Comparison Shop.

Get the right coverage for your risks and budget. You want something that will adequately protect you. You may need more insurance as your business grows. 

Commercial Insurance from Bryan Insurance Agency LLC in New Windsor, NY

If you need commercial insurance and live in the New Windsor, NY area, contact Bryan Insurance Agency LLC today. Our friendly and knowledgeable agents are here to help you get what you need. 

Can Home Insurance Cover Lodging During Repairs?

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At Bryan Insurance Agency LLC in New Windsor, NY, we know that the process of making repairs to your home after a natural disaster or other qualifying event can bring many unknowns. For many of us, those unknowns are a scary part of making repairs that we might not consider. Although it might be easiest to stick our heads in the sand and forget about the looming stresses associated with making home repairs, it’s necessary to think about these details when planning to fix a significant aspect of our home. 

Some repairs on the home, such as tweaking a leaky faucet, don’t require us to do much more than schedule the repair with maintenance personnel. Others, such as replacing large damaged interior sections, might mean that we can’t live in our home while it’s being repaired. In this case, you may wonder if your home insurance may be able to cover the costs of lodging. While every insurance policy has its own terms and limits, we may be able to answer this question generally below.

Can Home Insurance Cover Lodging During Repairs?

If the repairs are related to a qualifying event, your home insurance policy might be able to cover temporary lodging while the home is being repaired. Depending on how long you’ll need coverage, this can look like hotel stays or short-term apartments. Before you book the hotel and assume your insurance will cover it, you should speak with an agent and review your policy to see how to get coverage if it qualifies. Otherwise, you’ll be stuck with a bill you can’t pay.

For more information on home insurance, call Bryan Insurance Agency LLC in New Windsor, NY, today!

 

Three Tips for a Great Auto Insurance Policy

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Getting the best auto insurance policy for your needs is very important, but you might not be sure of the right way to do that. If you’re in the New Windsor, NY area and looking for an auto policy, Bryan Insurance Agency LLC is here to help. Working with an insurance agent can make it easier for you to get your questions answered and choose the policy that’s going to give you the right coverage and the best value at the same time. Here are three tips to get a good policy.

  1. Understand the different types of car insurance to get the coverage you need.
  2. Review your coverage every year and any time you have a significant life change that could affect your insurance requirements.
  3. Trust your agent to shop around and give you options from several insurers for quality and value.

Many people choose the minimum coverage options for the state and then don’t think about their insurance again, but that’s not always the best choice. Both important considerations are how much coverage you need and whether you should have more than just liability protection. If your vehicle is financed, you also have to ensure you’re keeping the lienholder’s required level of coverage on it.

No matter what you’re considering regarding your auto insurance policy, Bryan Insurance Agency LLC can help if you’re in the New Windsor, NY area. Our trusted agents understand that you have questions about your vehicle insurance, and we want to make sure you get those questions answered. Additionally, you need to review and update your coverage periodically, and that’s much easier with an agent to provide help and suggestions for your vehicle protection needs.