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New Windsor, NY 12553

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What Is Full Coverage Auto Insurance? And Who Should Buy It?

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Did you just purchase your first car? Congratulations! That new car smell is one of the best smells in the world. And now that you have a car, it’s time to purchase auto insurance.

Unfortunately, navigating the insurance world as a new car owner can be tricky. You may come across the term "full coverage." But what does that mean? And is it something you should buy?

Below is a comprehensive guide to full coverage auto insurance. By the end of this article, you’ll know exactly what it is and whether or not it’s right for you.

What Is Full Auto Insurance?

Full auto insurance is a type of insurance coverage that helps pay for damages to your car resulting from an accident, theft, or other covered events. It typically includes four types of coverage: collision, comprehensive, liability, and medical payments.

Collision coverage pays for repairing or replacing your car if it’s impaired in a collision with an object or another vehicle. Comprehensive coverage helps pay to repair or replace your car if it’s damaged by something other than a collision, such as fire, flooding, or hail.

If you’re responsible for an accident that injures someone or damages their property, liability coverage will help pay for the damage you caused. On the other hand, medical payment coverage helps pay for the medical expenses of you and your passengers if you’re involved in an accident.

Who Should Purchase Full Coverage Auto Insurance?

Full auto insurance is not required in all states. But there are instances where it’s a good idea to purchase full coverage, even if it’s not required by law.

If you’re leasing or financing your car, your lender will likely need you to have full coverage. Full coverage is also a good idea if your vehicle is worth more than a few thousand dollars, as the cost to repair or replace it could exceed the amount of your deductible.

Contact your auto insurance agent if you have any questions about whether full coverage is right for you. They can help you determine the types and amounts of coverage that make sense for you based on your needs and budget.

Contact Us Today and Buy Full Coverage Auto Insurance

Do you think full coverage auto insurance is right for you? If you are in the New Windsor, NY, area, Bryan Insurance Agency LLC can help you find the perfect policy. We understand that every driver’s needs are different. That’s why we offer a range of auto insurance options, from liability-only to full coverage.

No matter your needs, we can help you find an excellent policy that gives you the peace of mind you deserve. Contact us today to get started.

Life insurance FAQs

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Life insurance can make life much easier for those you love if something happens to you and you are not there to provide for them. We are independent insurance agents at Bryan Insurance Agency LLC in New Windsor, NY, giving us access to more choices to help find the perfect policy for you at a price you can live with. 

Why may a life insurance policy refuse to pay the death benefit?

Most policies will pay for accidental death or natural causes with proof of death. If your policy is less than two years old, more questions may be asked, and the application may be looked at more closely. If any misrepresentation was made in the application, that could result in a refusal to pay. Also, if the death resulted from suicide, most policies will not pay if it occurs in the first two years. 

Can I extend my term policy?

In many cases, you can, but you will not be eligible for the same rate currently. You may receive that information when you take out your policy, but it is worth discussing with your agent if you think it is possible. 

Do I have to choose my spouse as the beneficiary?

Your choice of beneficiary can be anyone you choose. Keep in mind that children will not be able to collect the benefit until they are of legal age in the state where they live. 

Is it ever too late to buy life insurance?

As long as someone depends on you, probably not. Some people use their life insurance to pay for final expenses, which removes the burden on their loved ones. 

Contact Bryan Insurance Agency LLC in New Windsor, NY when you are ready to discuss the benefits of life insurance. 

Factors That Affect The Cost Of Life Insurance

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Different factors can affect the final cost of your life insurance policy, including your health, age, and the preferred coverage amount. You may also want to consider switching to a policy with a shorter term if you are no longer working or disabled and still want coverage. For expert advice in New Windsor, NY, call Bryan Insurance Agency LLC.

Factors Affecting the Life Insurance Premium 

Life insurance costs vary from one person to another based on your health profile, the amount of coverage you select, and the length of time for which you purchase the policy. Even if two people select the same amount of insurance, the longer the time, the higher the cost. 

Your health profile, which determines your rate class, is essential in determining a policy’s price. Another important consideration is the policy duration. The greater the rate, the longer the duration. The more protection you choose, the higher the rate. 

The coverage amount, the policy’s length, level of risk, and other factors all come into play when determining the insurance premium. The cost of a particular policy will also vary depending on the particular insurer. 

Consumers can shop around and compare various policies and providers to find the best price on life insurance. Below are some of the factors that will impact the premium cost for your life insurance: 

  • Age 
  • Gender
  • Health History
  • Family Health History
  • Smoking
  • Hobbies 
  • Occupation 
  • The Policy 

Final Words 

Your rate is determined by the factors mentioned above. The lower the amount you anticipate getting, the closer you are to retirement. Your rate will undoubtedly be greater if you have a pre-existing disease, such as diabetes. 

You can also expect a lower rate if you purchase a smaller amount of coverage. For expert help, contact the Bryan Insurance Agency LLC team in New Windsor, NY.

The 3 Most Common Business Insurance Claims

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Anyone who runs a business knows that situations beyond their control, such as theft, vandalism, and fires, can happen. That’s why commercial insurance, a type of policy designed to protect your business, was invented. If you’ve invested money or time in a commercial property or business, this kind of coverage is an absolute must. 

Thankfully, Bryan Insurance Agency, LLC offers commercial insurance for businesses like yours in New Windsor, NY, and the surrounding area. No matter the size or industry of your business, we have commercial coverage you can tailor specifically for your business needs. 

“But what sort of events are most likely to happen?” you might ask. That’s a valid question and one we can confidently answer. Although almost anything can happen when running a business, certain commercial insurance claims are more common than others. 

Here are the three most common commercial insurance claims:

Burglary and theft (20%)

When you think of burglary and theft, you might first think of a complete stranger breaking into your business and stealing property. 

However, you probably don’t think of an employee stealing from your business. Unfortunately, burglaries and thefts committed by insiders, such as dishonest employees, are never outside the realm of possibility, and you should always be prepared for such events. 

Of course, burglaries and thefts by outsiders can happen too. You might want to use background checks, adequate lighting, fences and gates, and devices that control access to the business premises to prevent such occurrences. 

Water damage (15%)

Water-related damage to business can come from various sources, including burst pipes, floods, snow, and freezing temperatures. 

To avoid such claims, it’s vital to ensure your building’s roof is clear of ice and snow. Also, during winter, you should keep your building’s temperature at or above 55 degrees Fahrenheit.  

Wind and hail damage (15%)

Strong winds and hail storms aren’t uncommon in New York. Besides damaging commercial property, they can also negatively affect the property owner. 

To reduce the likelihood of such situations, you want to make sure the trees by your business property are well maintained. In addition, any outdoor equipment that strong winds could blow into your building should be adequately secured. Lastly, if a heavy storm is predicted, it’s vital to protect your windows. 

Bryan Insurance can help! 

If you’re in New Windsor, NY, or the surrounding area and want to protect your business, Bryan Insurance Agency, LLC can help you. We’re here to assist you in finding the best commercial insurance policy for your business. Visit our office to get in touch with one of our insurance agents and learn more about how we can provide your business the protection it deserves.

Tips for getting your home and family ready for an emergency

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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.

Auto Insurance Do’s and Don’ts

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Your auto insurance is a necessary expense each year. Your auto insurance policy will protect you from considerable costs in the event of a wreck, but it is also necessary to operate your vehicles legally. To get the best deals and best coverage, you should follow these auto insurance Do’s and Don’ts from Bryan Insurance Agency LLC, serving New Windsor, NY, and the surrounding areas. 

Do Shop Around

To get the best deal on your coverage, you will want to shop around and compare rates. Insurance companies are happy to give you a quote. Different companies will have various promotions offered at different times. You may be surprised to see how much rates vary from company to company. This is why shopping around is important. 

Don’t Change Insurance Too Often.

Although it is smart to shop around, changing insurance too often will not benefit you and could raise red flags legally. Most people aim to compare insurance quotes about once a year. 

Do Keep A Good Driving Record

Your driving record will be the most impactful thing on your insurance rates. To always get the best deals on insurance, you need to keep a clean driving record. Violations such as speeding, traffic violations, and DUIs will skyrocket your rates. This is because, with each offense, you are considered more and more expensive to insure. Impaired driving is expensive. 

Don’t Lend Your Car Out Often. 

When you set up a policy, you will be required to add any drivers who use your car regularly. The only people who should regularly use your vehicle should be people you trust and who also have a clean driving record. 

If you would like to learn more about our services, don’t hesitate to contact us at Bryan Insurance Agency LLC, serving New Windsor, NY, and the surrounding areas. 

The importance of life insurance for your family

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If you are thinking of starting a family in the near future, let Bryan Insurance Agency LLC help. We are proud to serve the insurance needs of our friends and neighbors in the New Windsor, NY community. We understand how important financial stability is, especially for young families. Let us help you find the protection that’s right for your needs.

Protect your family with life insurance

When you are a parent of young children, you can spend time worrying about how their futures would unfold if something should happen to you or your spouse. Having a robust life insurance policy in place is one way to lessen those fears. When you have the protection you need, you can focus on the here and now and worry less about the future.

In the event that the main-earning spouse dies, a life insurance policy can provide the stability that the remaining family members will need more than ever. Two of the main benefits of having the right policy is that the funds can help your family remain in your home and not have to move. When children are dealing with the death of a parent, having to move and change schools can make an already heartbreaking situation even worse. Life insurance can help you plan for the worst-case scenario while keeping your family focused on the present.

We are here to help you

The entire team at Bryan Insurance Agency LLC is dedicated to meeting the insurance needs of the New Windsor, NY community. If you would like to learn more about the life insurance policy options that are available in our area, call or stop by our office today.

How often should you change your oil?

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Vehicle maintenance is an important part of responsible ownership, and the team at Bryan Insurance Agency LLC is here to help. If you are in the greater New Windsor, NY community, let us help you keep your car protected! We understand how important reliable transportation is to our customers.

How often should you change your oil?

All vehicles are different, as are today’s oil products. Timing for oil changes can vary, especially if synthetic oils are used. Generally speaking, you should have your oil changed every 3,000 miles or every 3 months, whichever comes first.

Some factors to consider when scheduling the frequency of your oil changes are the number of miles that you drive as well as the driving conditions that you experience. Someone who drives their vehicle to work every day in stop-and-go traffic will have different needs than a person who drives their vehicle mainly on the highway.

Whichever camp you find yourself in, it is important to keep your car properly maintained and serviced. Another way to protect your vehicle is having the right insurance coverage. This protection can help you keep your vehicle on the road in the event of an accident or another mishap that takes your car out of commission. 

Contact our team today and learn more about the vehicle policy options that are available in our area. 

Protect your car with the right auto insurance policy

Bryan Insurance Agency LLC is here for the New Windsor, NY community. If you would like to find out more about the insurance policy options available to protect your vehicle, call or stop by our office today! We look forward to working with you!

How to make your home a safer place to live

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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. 

Life Insurance Ins and Outs

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Whether you’re young or old, life insurance is important to think about at every stage of life. While no one enjoys thinking about when they might pass, if something horrible would happen to you today, your loved ones could be in for a lot of trouble. Life insurance is not something you get for yourself, but you get for your loved ones to give them the option to mourn without additional financial worries.

As life insurance is a difficult topic, our agents are trained to go through life insurance options with you at your pace. You can contact Bryan Insurance Agency LLC in New Windsor, NY to go over life insurance quotes.

Funeral Costs and Debt

Depending on where you live and what you want, funeral costs can cost thousands, in many cases costing over 10 thousand dollars. Your loved ones will have to find a way to pay for this, and life insurance usually covers these costs in full.

If you have any debt, it won’t be automatically paid off when you die. You can ensure your debt under life insurance so that your loved ones don’t inherit it from you, and can pay it off.

Payment Plans

Did you know that the cheaper you consider life insurance, the cheaper the payments are? Getting life insurance when you are older means the insurance needs to be paid for a shorter period of time, so the earlier you consider your life insurance options, the better.
Bryan Insurance Agency LLC in New Windsor, NY provides people with several quote options. If you call us,  we will run through your options with you, leaving no stone unturned.