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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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Tips for getting your home and family ready for an emergency

Emergencies come in many forms. It can be weather-related, which is the most common everyday type of emergency, or it can be many other things. But no matter the reason, you and your family need to be prepared and have a plan for how to survive an emergency. At Bryan Insurance Agency LLC in New Windsor, NY, we think that home insurance needs to be a part of any emergency plan. 

One of the first things that an emergency brings is usually the loss of your electricity. If it happens more often than rarely, you should consider getting a generator. This allows you to power the things you need to power, and if you have your electric connections updated, it can be done with literally the flip of a switch. If you don’t have or want a generator, having batteries and lights to keep you out of the dark is essential. 

Water is another necessity. Keep some bottled water on hand for drinking and cooking and if you need it to flush toilets, fill the tub as soon as you have any warning of an impending emergency. 

Gather the family together and have an emergency plan. Let the kids know where to gather in the event of an emergency. You don’t want to be trying to figure out where everyone is when a tornado is bearing down on you. Also, have an emergency evacuation plan if you need to get out of the house and leave the area. Do a dry run from time to time, so no surprises. 

Have all your important documents, including your insurance policy, in a safe place so that you can grab them and go if the need arises. 

Contact Bryan Insurance Agency LLC in New Windsor, NY to ensure that your home is well prepared for any emergency.

How to make your home a safer place to live

Home safety is important for your peace of mind. Home should be a sanctuary where you are safe and secure. That requires that you take a few simple steps to make sure you really are safe in your home. At Bryan Insurance Agency LLC  in New Windsor, NY, we have been in business since 2004 and we are a full-service independent insurance agency. We work for our customers and make sure they are happy with their insurance experience. 

Do Home Maintenance

Making your home safe is as simple as making sure to change the batteries in your smoke and carbon monoxide detectors twice a year. Making sure to clean your chimney if you use your fireplace is also important. Your furnace needs to be cleaned or serviced once a year to work at maximum efficiency. 

Clean Out The Clutter

One of the most dangerous things about your home is fall hazards. Never put things on your stairs that can cause a fall. Keep hallways clear of clutter and make sure that the lighting is adequate, especially at night. That means putting in some night lights. 

Get a Home Security System

These days, a home security system can be a simple DIY project. You can monitor your home with your cellphone no matter where you are. Whether it is a doorbell camera or other cameras positioned on the exterior of your home, you can always know who is outside your door. 

Lock Your Door and Windows

It sounds like such a simple thing, but it is one that people forget to do, especially the windows. It is important that the locks be engaged. With a slider, they have a special bar lock. 

When you are ready to make your home safe with home insurance, Bryan Insurance Agency LLC  in New Windsor, NY is here to provide the information you need. 

Do You Need Home Insurance for Your New York Home?

Whether you recently purchased your home or you have owned it for years, it is imperative to have an adequate home insurance policy in place. While home insurance is not required in the state of New York, if you have a mortgage on your home, your lender will require you to have an active home insurance policy to protect their investment in your property. The home insurance agents at the Bryan Insurance Agency LLC, located in New Windsor, NY, can assist you.

Coverage Options for Home Insurance

A home insurance policy will cover the structure of your house as well as any outbuildings you have on your property if your home is damaged or destroyed by a fire, a natural disaster, or even an incident of vandalism.

Your home insurance will also cover all of your personal belongings, furniture, household items, appliances, and any other items you have purchased for your home if a horrible event occurs, including a break-in at your home.

Not Covered by Home Insurance

Most often, your home insurance policy will not cover your house if it is affected by an earthquake or flood. You will need to obtain additional policies to cover these types of events. You can also obtain an umbrella insurance policy that will add another layer of protection on top of the protection already provided by your home insurance policy.

To obtain the proper amount of home insurance you need and ensure your property is protected adequately, call upon the experienced and trusted home insurance agents at the Bryan Insurance Agency LLC in New Windsor, NY. Remember, it is better to be safe than sorry, and you deserve peace of mind when it comes to protecting your home.

Things that aren’t covered by home insurance

Home insurance provides valuable coverage to homeowners. With all the things that can go wrong, you feel safe knowing your home insurance will be there when you need it. It protects you from many things such as fire, theft, and some natural disasters, but it doesn’t cover everything. If you read your policy, you will find that there are exclusions. With an independent agency like Bryan Insurance Agency, LLC in New Windsor, NY, you can count on having the help you need to choose your policy and file a claim. With 15 carriers to offer and our 16 years in business, we are ready to make sure you have the right coverage. 

Flood

Floods cause billions of dollars of damage every year, and if you’re counting on your home insurance to protect your largest investment, you will be disappointed. Floods are not covered. If you live in an area where floods are common or if they are a possibility, you should consider purchasing a flood insurance policy. 

Earth movement

Earth movement is a general term that encompasses several different types of natural disasters, including earthquakes, sinkholes, and mudslides. None of these are covered, but you can purchase a separate policy and, in some cases, an endorsement to get the coverage you need. 

Owner negligence

You are the homeowner. You are expected to maintain your home. If you end up with home damage resulting from your not doing what was necessary to avoid that damage, your insurance will refuse to pay. If your roof leaks due to lack of upkeep or you have termites because you don’t get your home treated, you are responsible for the damage. 

Knowledge is power and knowing what you need to protect yourself from is important. Call us at Bryan Insurance Agency, LLC in New Windsor, NY for a no-obligation quote. 

What is included with home insurance in New Windsor?

Anyone that is in the New Windsor, NY area is going to benefit from owning a home. If you do own property here, it will continue to be a good idea to have home insurance. In many cases, owning a home insurance policy will be a requirement due to landlord and association rules. Also, this insurance includes a variety of forms of coverage that can provide you with excellent protection. 

Protection for Assets

One of the main benefits of getting home insurance in this area is that you can receive protection for your assets. A home insurance policy will cover the dwelling that you live in, as well as give you coverage for your personal assets. This can be very valuable if a fire or bad weather ever damages your home, or you are a victim of vandalism or theft.

Coverage for Liability 

Another advantage that comes with a home insurance policy is that you will receive liability protection and coverage. If you have a home and a guest is injured while visiting, you could be found responsible. This will require you to pay for damages that are incurred. To ensure that you are protected against this risk, you will want to have a home insurance policy as it will include a large amount of liability insurance protection.

Choosing a home insurance policy is always going to be a big decision. When you are looking for your next policy in the New Windsor, NY area, you should call Bryan Insurance Agency, LLC. The insurance team at Bryan Insurance Agency, LLC can provide you with excellent guidance and support when it comes to picking a policy. This will ensure that you and your home continue to be adequately protected. 

What Happens When Someone is Injured on Your Property?

Your home is probably the most significant financial investment you and your family will make. That investment needs to be protected with a home policy. The right insurance can protect even when disaster or accidents occur. In the New Windsor, NY area, our agents at Bryan Insurance Agency, LLC can help you understand your home insurance coverage options. 

While home insurance policies cover many events such as fire and weather, it is the liability coverage that will financially protect you if someone is injured on your property. If you are deemed negligent when someone is injured, you will be responsible for their medical expenses. If they decide to sue you, you could also be held accountable for their legal fees. To put this into perspective, every insurance policy has a cap. If your policy’s cap is $300,000, but their medical and legal expenses are $500,000, you will be responsible for the balance. This is more than many families can afford. Some homeowners opt to get umbrella insurance to take care of these additional expenses and protect their investment. 

So, it’s easy to see the importance of having a good home insurance policy. Not only will it cover damage to the physical structure from fire or weather events, but it also includes all personal possessions inside the home. It will also cover items that are stolen when you are away from home. It will also cover structures on the property. 

In the New Windsor, NY area, our agents at Bryan Insurance Agency, LLC can talk with you about how your home insurance policy can protect you financially should someone be injured on the property. If you have high-risk areas such as a swimming pool or trampoline, discuss this with your agent. Your home is an investment, come in today to get it protected. 

Is there a difference between homeowners insurance and condominium insurance?

Anyone living in New York, and the surrounding areas, knows that having a stand-alone single-family home is very desirable. However, the average cost of a home in more popular parts of New York can be very expensive. The median price of a home is $726,000. That means you probably have to be a millionaire to own a home in most parts of New York City.

The average rent is $2,995 per month for an apartment that is around 716 square feet in the city. If those prices seem high, you can always go across the water to Manhattan where the prices double, triple, and maybe quadruple for the same thing.

For those who are not able to afford a single-family home, many homeowners have a condominium or own an apartment in a cooperative building. The agents at Bryan Insurance Agency, LLC in New Windsor, NY focus on helping clients throughout the state.

Home Insurance versus Condo Insurance

The goal of having insurance for your home or condo is the same. You want to protect it against the risk of financial loss due to damage to the structure and also have sufficient insurance to protect the contents, which are called “personal property.”

The main difference between home insurance and condominium/apartment insurance is that condos have what are called "common areas," such as hallways, elevators and the lobby. Also, a condo may share walls, ceilings, and floors with other condominiums or parts of the building. If someone has an accidental kitchen fire in the condo below yours and it burns upward to damage your place too; who is responsible? This is the kind of problem that should concern you.

Analysis of Your Home or Condo Insurance for ‘Gaps’

The key to understanding your insurance coverage for a condo is to carefully analyze the insurance that the building or condominium association maintains for the common areas. You need to understand what your insurance covers and what is covered by the building’s insurance. Then, look for “gaps” in insurance coverage. Gaps are where something bad can happen that is not sufficiently covered by any insurance.

Get Your Insurance Agent to Help

Luckily, you do not have to do this alone. If you are considering buying a new home or condominium in New York, work with your agent at Bryan Insurance Agency, LLC to get a quote. For condos, get a copy of the insurance that covers the building and common areas to give to your agent.

If you already have home or condo insurance, get a complimentary insurance review so that your agent can explain any gaps in insurance coverage, which you may not even be aware that exist. For a home or a condo, you need to make sure all your personal property is covered as well.

Give us a call or visit our office in New Windsor, NY, so we can help you to be sure there is adequate insurance coverage to protect you.