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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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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. 

What Does Commercial Insurance Cover?

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Commercial insurance is a type of insurance that is designed to protect businesses, business owners, and their employees from financial loss in the event of an incident covered by the commercial insurance policy. It helps to pay the costs of lawsuits, property damage, vandalism, fire, and other covered losses. Commercial insurance comes in many sizes and shapes because there are many types of businesses. 

What Does Commercial Insurance Cover?

There is no single policy that would protect against all business risks. There are different types of commercial insurance that protect against different threats to businesses.

In general, standard commercial insurance covers risks that are associated with the following: 

  • Property. It helps cover the cost of repairing and replacing the property. 
  • Employees. Commercial insurance can help in such situations as an employee is hurt on the job, an employee sues a company for discrimination and others. 
  • Motor vehicles used for business purposes. There is special commercial insurance designed for vehicles used for commercial purposes. 
  • Customers and clients. It helps to manage the risk presented by clients and customers. For example, commercial insurance will pay for immediate medical expenses and lawsuit costs if you are sued by a customer or client. 

Bryan Insurance Agency LLC serving New Windsor, NY – We Will Help Get The Right Coverage

If you are a business owner, you probably understand how important commercial insurance is. If you run your business in New Windsor, NY or any other surrounding area, and you are thinking of getting proper commercial insurance, contact Bryan Insurance Agency LLC. Our professional insurance agents will help you find a policy addressing your personal and commercial needs. 

Reasons you may want to increase your liability coverage

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Liability coverage is just one part of your home insurance coverage. It protects you from people who might get injured while visiting your home or by family members away from your home. It also gives protection if that injury leads to legal action against you. How much liability is needed to give you full protection needs to be reassessed from time to time. At Bryan Insurance Agency LLC in New Windsor, NY, we are a full-service independent insurance agency in business since 2004. 

The minimum amount of liability insurance that most home policies have is $100,000. Today it is recommended that $300,000 to $500,000 is a more appropriate amount. Especially if you have assets like investments or property, making sure you have enough to protect that amount is vital. An umbrella policy is also a good option if you have an increased amount of risk.

Having a dog

Having a dog increases your liability. Depending on the kind of dog that you choose and the dog’s history, you may find a big increase in your premium. In some cases, you may even find that your dog will not be covered by your insurance due to the breed or its aggressive behavior. 

Pool or hot tub

Having a pool or a hot tub is great for entertaining. Having guests is always somewhat of a risk, but when you add a pool or hot tub, the risk rises exponentially. Make sure that you follow all the local rules about fencing and making your pool a safe place.

Trampoline

Trampolines are very popular but they are also very dangerous and many children are injured every year. If someone is visiting and is injured on your trampoline, you could find yourself with lots of medical bills and even being sued. 

Contact Bryan Insurance Agency LLC in New Windsor, NY for all your home insurance needs. 

Do You Need Collision and Comprehensive Auto Insurance in New York

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When you are purchasing New York auto insurance, you want to be sure that you are covered for the mandatory requirements, and also in the event of an accident. In New York, auto insurance that you must have includes property damage liability, no-fault personal injury protection, and uninsured motorist protection.

These coverages are to protect other parties and cover other parties if you are in an accident. If you want your damages to be covered in an accident, you’ll want comprehensive and collision coverage as well. 

At Bryan Insurance Agency LLC, we want New Windsor, NY residents to have everything they need to feel covered when they are driving. We can help you to design the auto insurance policy that you need.

Comprehensive Insurance

Comprehensive insurance is coverage that will pay you when there is damage to your car due to an event beyond your control. This coverage is for every kind of damage that would occur that is not related to a collision.

If you have weather damage, theft, animal problems, vandalism, or a problem like something accidentally falling on your car, comprehensive insurance can cover you.

Collision Insurance

Where your minimum requirements will cover other parties in the event of an accident, collision insurance will cover. This includes collisions with vehicles, property damage to your car, and even coverage if you rent a car.

Get a Quote

When you are looking for auto insurance in New York, it is a common question to wonder if you need collision and comprehensive. It’s never a bad idea. At Bryan Insurance Agency LLC, we want New Windsor, NY residents to feel covered for every potential problem when they are driving. Call us for a quote today.

The Benefits of Whole Life Insurance

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There are different types of life insurance out there for different insurance needs. One type is called whole life. This is a popular choice because it comes with a number of useful benefits to the policy holder. If you are interested in whole life insurance, call us at Bryan Insurance Agency LLC in New Windsor, NY. 

Why It’s Called Whole Life

One of the biggest benefits of this kind of insurance is that it literally covers you for the rest of your life as long as you keep paying the premiums. Term life is insurance that lasts a set term, but the whole life can’t be canceled by the insurance company as long as you are paying as agreed. Many people like this arrangement because they don’t want to have to shop for life insurance again down the road a few years. 

It Builds Value

Another difference between whole life and other insurance types is that you do own a portion of the amount. As you keep your whole life policy and keep making payments, it begins to develop a cash value. This is money that you can borrow against if you have a financial emergency. The policy will keep building value as you keep paying the premiums. Many people like to have this cash in reserve in case they do need to borrow money quickly someday. When the amount is borrowed against your cash value, it is a loan that is paid back over time. If the policyholder were to die before the full amount is paid back, the outstanding amount will be deducted from the death benefit.

Get Your Whole Life Policy

If you are interested in this type of life insurance, contact us today at Bryan Insurance Agency LLC in New Windsor, NY to learn more about it.

What type of life insurance is right for me?

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There are always going to be important insurance decisions to make for those in the New Windsor, NY area. As you are evaluating your insurance needs and options, life insurance is an important one to consider. This is a valuable form of coverage that has various options to consider, the two most common of which are term and whole life. You should consider the features of each to figure out which is ideal for your situation. 

Term Life Coverage

A form of insurance that is ideal for many people is term life insurance. When you get this coverage, you can build an insurance plan that is designed for your needs. This includes picking a plan that has a certain level of protection for a specific period of time. An advantage of this life insurance option is that the premiums tend to be affordable when compared to other types of life insurance.

Whole Life Coverage

You can also consider getting a whole life insurance plan. With this insurance, you can have coverage for as long as you want it if you continue to make your monthly payments on time. While premiums are higher, there is an investment benefit as well. With whole life coverage, some of your payments each month will accrue in an account with interest. Eventually, you are able to move funds out of this account and use them for any purpose that you want. 

As you are looking for a new life insurance plan in the New Windsor, NY area, it would be a good idea to call Bryan Insurance Agency LLC. If you do speak with Bryan Insurance Agency LLC, you can learn a lot about the different insurance options at your disposal. They can ensure you build a plan that will give you the right protection. 

Who needs to have a commercial insurance plan?

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When you are in the New Windsor, NY area and start a small business, you must be properly prepared and organized. An important part of any new business formation is choosing the right insurance plan. You will need to have a commercial insurance policy for a few important reasons. 

Business with Insurance Obligations

A situation that will require many business owners to have a commercial insurance plan is if they have specific insurance needs. It is very common for businesses to enter into loan agreements, commercial rental leases, and investor equity partnership contracts. Due to the value that comes with this insurance, these agreements will almost always require the business to maintain proper insurance coverage at all times. 

Businesses Looking for Necessary Protections

A business will also need to have a commercial insurance plan if they are looking for protections necessary to cover the company against various negative situations. Today, a business may need to have commercial insurance to ensure that their business assets are covered and offset liability risk. Ultimately, one of these plans can keep a business solvent and help them avoid serious losses if a situation results in damage to a key asset or if they are named in a liability claim. 

When you live in the New Windsor, NY area and are looking to grow and develop your business, you should reach out to the Bryan Insurance Agency LLC team. Choosing commercial insurance is a major decision that you should not take lightly. When you call Bryan Insurance Agency LLC, you will get the support that is needed to fully understand your options and needs. They can then offer any support needed to choose the right plan for your situation.

Do You Need Home Insurance for Your New York Home?

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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.

When Should You Shop For New Auto Insurance?

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Auto insurance is probably one of your most important expenses each month. Not only is this an important way to protect the investment you made into your vehicle, but it is also how you make good on the obligation you have to those in your community and other drivers. At Bryan Insurance Agency LLC, serving New Windsor, NY, we are here to make sure you can easily navigate this important expense. So, when should you shop for new auto insurance?

Adding A New Driver?

If you have a ready-to-drive teenager, you will need to add them to your insurance policy. This can change your rates dramatically. It is a good idea to start shopping around to make sure you get the best deal possible during this time. 

Getting Married

Married couples often choose to combine their auto insurance. This combination will earn you great discounts, and it will simplify your monthly expenses. Don’t forget to ask about couples discounts as well. 

Purchasing A New Car

If you are thinking about purchasing a new car, now would be a great time to compare insurance rates to ensure you are getting the best deal. If your vehicle will be financed, it is almost always required that the vehicle be fully covered. 

Annually

Even if you do not foresee any of these big changes coming up, it is still a good idea to compare rates annually. This gives you a chance to see what other companies are offering and to find out if a better deal is available for you. 

If you would like to learn more about auto insurance or any other insurance products, please contact us at Bryan Insurance Agency LLC, serving New Windsor, NY. We will be happy to answer your insurance questions today. 

Who should obtain a life insurance plan?

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People that are all over the New Windsor, NY area are going to have personal insurance needs. While it is important to have personal liability coverage and protection for your most important assets, another form of important coverage to get is life insurance. There continue to be a variety of situations when someone should get a life insurance plan. 

Those That Want to Protect Dependents Financial Future

A situation when someone should get a life insurance plan is when they want to protect their dependents. When you have someone that relies on you and your income, you will want to know that they are protected if you were to pass away. With a proper life insurance plan, you will get the coverage needed to ensure their financial future is secure.

Those that Want an Alternative Investment

You should also look into getting a new life insurance plan if you are looking for an alternative investment. With a whole life insurance plan, some of your monthly payments will go into an account that will grow over time with interest. Eventually, this account will build up significantly in value and can be liquidated or used as collateral to be posted to a loan you want to take out. 

Picking a life insurance plan is very important. At the same time, it can be confusing, and getting professional support is helpful. If you are in the New Windsor, NY area, a great resource to call is the Bryan Insurance Agency LLC. If you call the team at Bryan Insurance Agency LLC, you can get the support you need to choose an insurance plan. Our team always takes a personalized approach to ensure you can build the right plan and give proper coverage.