Last month we talked about some of the special insurance you need to consider during the summer.  Today we'll dive into a few more special situations that might require a phone call to your agent. (If you live around the Long Island or New Windsor area, we'd be happy to help answer your questions!)


When summer arrives, many people leave the day-to-day routine behind and go on vacation in June.  Hopefully you're planning a trip sometime soon too!


But there are a few things you need to know before you hit the road. Consider these special situations:


Rental Cars  - If you choose to rent a car, make sure you understand how your insurance works. A rental car company will want to sell you special coverage to cover the car while you are driving it. The insurance will cost you a certain amount each day. But here's the deal. Your current insurance will typically also cover you at no additional cost.


However, if you have a claim filed on your current policy, your rates could go up in the future. And rental car companies could file a claim for very minor damage. Obviously it is a risk either way, but make sure you know your options. And please contact your insurance agent before renting a car to find out what is specifically covered on your policy.


Rental Boats  - Similar to rental cars, you need to make sure you're covered. Your auto policy won't cover a boat, but you may have coverage available on your homeowner's policy (or if you have a boat policy). Call us first and see what your options are BEFORE you show up at the marina, the lake, the Hudson River, or the Long Island Sound.


Hosting A Barbecue  - It's always fun to throw a party. It's even more fun when you aren't worried about your insurance! Your homeowner's and renter's insurance covers you if someone is injured on your property due to your negligence. That means that if they trip on a step, fall on the patio, or cut their hand on a glass, you don't have to worry.


But, as always, you need to discuss this with your agent and go over exactly what coverage you have. If you have a lot of assets, then you might need additional liability coverage too.


Notice a pattern here? The general rule is that you need a personal insurance agent who is looking out for your particular needs! There is not a "one size fits all" approach when it comes to protecting your family and your belongings.

For more information and tips on how to protect yourself and your family, call us at 888-565-2212 or email us at Or visit us We are the leading insurance agency for auto, home, and commercial insurance for Long Island and the Hudson Valley.

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