Types of Boat Insurance: Pick Policies To Keep Your Boat Afloat

If you own a boat, you may wonder what types of insurance will best protect your vessel. Remember to include year-round protection for your watercraft. That includes time spent in storage for the winter as well as on the water. The team at Acme Insurance Brokerage in Amityville, NY has put the following information together to help you keep your boat covered whether it’s afloat or in dry dock.

What Are the Main Coverage Types?

Just like car insurance, you’ll need bodily injury and property damage to start with. You’ll also want to consider insurance that covers emergency services and uninsured operators. Keep reading to learn more about basic boat insurance and options that can give you peace of mind while you enjoy your watercraft.

Watercraft medical payment coverage will reimburse you for expenses related to injuries. In case of a fatality, it may even help you cover funeral expenses. Ensure that your policy includes coverage for both you and your passengers. Watercraft liability coverage covers repair or replacement costs for other people involved in the accident.

Boat insurance with property coverage reimburses you for damage to your docked boat. It also covers accidents with other boats, buoys, piers, and debris. Talk to your agent about the advantages of adding an endorsement for repair costs. Typically, this coverage handles damage to your boat, equipment, trailer, and motor.

Emergency services and uninsured watercraft coverage give you additional protection on the water. Emergency services may include the cost of mechanical labor, towing, and the delivery of replacement fuel or parts. Not everyone who operates a boat has sufficient insurance to cover an accident. Some voters may not have insurance at all. Uninsured watercraft coverage will help your family recover from financial losses due to a run-in with uninsured boaters.

Additional Coverage Options

If lost or stolen, personal effects coverage can cover your expensive fishing equipment and other gear. Additionally, equipment coverage can be written to include everything from anchors to light jackets to radios to navigation gear. Boat trailer coverage reimburses you for damage to your trailer in the case of an unforeseen accident.

Contact Acme Insurance Brokerage in Amityville, NY to book a meeting for a free boat insurance quote! 

Four of the most important rules to follow when you buy commercial insurance

You can prepare your company for the financial uncertainties of the future with a commercial insurance policy from Acme Insurance Brokerage. Business owners in Amityville, NY can learn more about their insurance options by contacting us.

Here are four of the most important rules to follow when you buy commercial insurance. 

Shop around to find the right policy

It would be best if you didn’t buy a commercial insurance policy without researching. Identify numerous commercial insurance providers in your area and get policy quotes to find the best insurance coverage for your company’s needs. 

Know what risks your company faces

Doing a risk assessment is essential when you buy commercial insurance. You need to understand the financial risks of your company if you want to find insurance coverage that is tailored to your company’s business operations. 

Find a reliable and knowledgeable insurance agent

You’re probably going to have a lot of questions about commercial insurance coverage when you buy a policy. This makes it essential to find an insurance agent who can provide you with the information you need and answer all of your questions. 

Understand your budget

Your company’s budget is an essential consideration to take into account when you purchase a commercial insurance policy.

Your commercial insurance premiums are an essential expense that you need to cover every month. That’s why you need to plan out your company budget with insurance premiums in mind before you decide on an insurance policy. 

Get a quote on a commercial insurance policy by calling us or visiting us online. At Acme Insurance Brokerage, we provide commercial insurance to business owners in Amityville, NY. 

What Does Home Insurance Cover?

At the Acme Insurance Brokerage serving the Amityville, NY area, our agents want to ensure you have enough insurance to protect your home adequately. The purchase of your house may very well be the most expensive one you will make during your life, which means you will want to properly protect your investment through the right amount of home insurance, also known as homeowners insurance.

What Does Home Insurance Cover?

Home insurance covers damage to your home, property, personal belongings, and other items in your home. Some policies will also cover other things on your property, such as sheds, decks, and garages. If you owe a mortgage on your home, you will be required to have a home insurance policy, but even if you do not owe money for your home, you will want to ensure it is protected with an adequate amount of home insurance.

A home insurance policy comes into effect when your home is damaged or destroyed by a tragic event, such as a natural disaster. This can include snow, tornados, hailstorm, or other weather-related events. Your policy will also help you out if your home is damaged or destroyed by a fire or even an act of vandalism. It can also kick in to help you replace items lost due to a burglary or theft. Your policy will not only cover your house but its contents as well. This means you know that you can replace your personal belongings, household items, appliances, furniture, electronics, or other items if one of these horrible events occurs.

Get Your Policy Started

Our agents at the Acme Insurance Brokerage serving the Amityville, NY area are ready to assist you with your home insurance needs. Call today to get your policy started!

Does my auto insurance cover me driving for Uber or Lyft?

Acme Insurance Brokerage knows that many people in Amityville, NY, and its surrounding areas work second jobs, including gig work, such as driving for Lyft or Uber. Whether personal auto insurance covers you while you drive at your gig has become a common question among gig workers.

Personal Auto Insurance Covers You Off the Clock

The personal auto insurance you purchased to register your vehicle does not automatically include coverage for driving as a gig worker. You need to add a rider called rideshare insurance for full coverage. It only covers you while you drive for personal reasons.

Uber and Lyft Provide Some Coverage

The rideshare apps Lyft and Uber provide some coverage for their drivers. According to Car and Driver, the rideshare app coverage only protects you with an active rider request or a rider in the vehicle.

You need to add rideshare insurance to your auto policy to cover you when you have the app open but have yet to accept a ride request. The app’s insurance provides you with liability coverage at this time but not with collision or comprehensive insurance coverage. If you cause an accident, you will get stuck with the repair bill for your vehicle. If a deer runs out in front of your vehicle, you would not be covered without rideshare coverage.

Personal Auto Coverage Doesn’t Apply Once You Open the App

If you decide to take a lunch break and close the app, logging out in the process, your personal auto insurance covers anything that happens during lunch. While you remain logged out of the ride-sharing app, your personal coverage protects you.

Contact Acme Insurance Brokerage Today

Contact Acme Insurance Brokerage today to add rideshare insurance to your personal auto coverage. Don’t drive unprotected in and around Amityville, NY.

Will my 1975 VW Bug qualify for classic car insurance?

If you own a car that’s at least twenty years or older, you may wonder if your vehicle is eligible for classic car insurance. We all know that tons of older cars are on the road, but they can’t all be considered classic…or can they? Our team at Acme Insurance Brokerage is committed to taking the confusion out of classic car insurance for Amityville, NY residents.

What is Classic Car Insurance?

Classic car insurance is car insurance designed for cars that are at least twenty years old or older. Classic car coverage includes liability, comprehensive, and collision coverage, as well as other forms of specialized coverage. Generally, you and the classic car insurance company place an agreed-upon value on your classic car, unlike conventional car insurance, which focuses on a vehicle’s actual value.

Typically, cars that are considered "classic" aren’t driven daily. It should also be noted that the definition of a classic car can vary from one insurance company to the next. However, there are general qualifications that apply to most classic cars. Most classic cars have historical interest and have been maintained in their original condition with their original specs. 

Is my 1975 VW Bug eligible for classic car insurance?

Your VW Bug may be eligible for classic car insurance. The insurance company you choose will help to determine if it’s eligible. However, there’s a good chance it would be because VW Bugs have historical interests. If your vehicle isn’t your daily driver and its original design and specs have been maintained, it may be eligible for classic car insurance. If you have more questions regarding classic car eligibility, we’d be happy to answer them. Call our office in Amityville, NY. 

Do Renter’s Need Insurance?

Renting is a great housing option as it takes much of the work off your plate. Things like taxes and big maintenance jobs are not your responsibility. However, insurance is still a housing responsibility you must consider. At Acme Insurance Brokerage, we want to help renters in Amityville, NY better understand renters insurance and if they need it. Keep reading to learn more. 

Do I Need Renter’s Insurance?

Yes, although renter’s insurance is not required by law like auto insurance, this type of coverage is a wise investment. Renters should consider purchasing renter’s insurance to protect their personal belongings while living in the rental property. 

Will The Property Insurance Cover My Stuff?

Your landlord will have property insurance place for their rental property. Still, this type of insurance does not provide any coverage or reimbursement to you if your personal belongings are lost. You might lose personal belongings due to a fire, natural disaster, or burglary.

What Happens Without Renters’ Insurance?

If you do not have renters’ insurance in place and your items are lost in one of the ways listed above, the replacement or repair of those items will be your personal responsibility. Paying for these expenses out of pocket could financially burden you and your family. 

The solution is to talk with an insurance representative about renter’s insurance. This professional will be able to help you understand your options and how much insurance coverage you might need for your specific needs. 

If you would like to learn more about renter’s insurance or any of our other insurance products, please contact us at Acme Insurance Brokerage. We are currently serving residents in Amityville, NY, and the surrounding areas. We will be happy to help you today.  

How workers compensation insurance can protect both you and your employees

Workers’ compensation insurance from Acme Insurance Brokerage can be a beneficial form of protection for employers and employees in the Amityville, NY area. This type of insurance provides financial coverage for medical expenses, lost wages, rehabilitation costs, and death benefits when an employee is injured or becomes ill due to their job. 

For employers, workers’ compensation insurance helps cover the costs of any potential lawsuits that may arise from an employee’s work-related injury or illness. This type of insurance also helps protect businesses from costly legal fees and other related expenses that can come with such a lawsuit. Additionally, it reduces the financial risks associated with hiring and retaining employees by providing a protective barrier between employers and their workers. 

On the other hand, employees benefit greatly from having their employer carry workers’ compensation insurance. If injured due to an accident at work, they will have access to medical care without worrying about who will foot the bill. This type of insurance also provides wage replacement should they need time off to recover from injuries or illnesses.

Overall, workers’ compensation insurance is an excellent way for employers and employees to protect themselves financially in case of an unexpected workplace accident or injury. For more information, or if you want to sleep better at night knowing that your employees and your business are protected, call us at Acme Insurance Brokerage today. We are proud to serve the Amityville, NY area and would be happy to help you find a policy that meets your needs and budget.

How To Protect Your Home From Burglary

Your top priority is your family’s safety; the last thing you ever want to imagine is a home invasion or burglary. However, the best way to prevent this type of tragedy from happening is actually to give it some thought and intention to make sure you are doing all you can to protect your home. At Acme Insurance Brokerage, serving Amityville, NY, we want to share a few ways to protect your home from burglary. Keep reading to learn more. 

Invest In A Quality Security System 

Even if you have never considered having a security system, this is truly one of the best ways to protect your home. The very presence of a security system will often deter home invaders. Systems that are programmed to notify authorities in the event of an emergency can also cut response time down significantly. This can mean the difference between a potential tragedy and an actual tragedy. Although you might not want to invest in a quality security system, this is better for your family in the long run. 

Ditch Outdated Safety Practices 

Many families are still engaging in outdated practices that could potentially make your home a target for invasion. For instance, hiding keys outside your home, sharing lock codes, or leaving windows unlocked. Although families may have done these things in the past with little worry, today, these practices should be avoided. 

If you want to learn about homeowners insurance to protect your home better, please contact us at Acme Insurance Brokerage, serving Amityville, NY. We will be happy to answer your questions. 



Questions you should ask an agent before purchasing auto insurance

Choosing auto insurance is one of the most important things if you own a car. However, it might not be easy because there are many insurance options. If you are currently shopping for car insurance, here are the questions you should ask an insurance agent to make the right choice. 

What Questions Should You Ask an Insurance Agent When Choosing Auto Insurance?

The purpose of any insurance agent is to help you find the perfect insurance option based on your budget and needs. However, it would be best if you asked them the right questions:

  • What does my insurance cover? It is essential to understand that different insurance companies have different insurance options. Ask an insurance agent about coverage options before buying any insurance plan. 
  • If my car is totaled, how much money will I receive? If you get involved in a car accident, you want to ensure you receive a fair claim check. For this reason, you should discuss in advance the amount you will be paid if your car is totaled. 
  • Who else besides me can drive my car? You should always ask an insurance agent who may or may not be considered a secondary driver on your auto insurance. This will help you avoid issues with your insurance and claims in the future. 

Acme Insurance Brokerage – Trustworthy Insurance Company Serving Amityville, NY

Are you searching for auto insurance in Amityville, NY, or any other nearby town in New York? Do not hesitate to contact Acme Insurance Brokerage – a local insurance company specializing in different types of insurance, including auto insurance. Our qualified and knowledgeable insurance agents will help you find an insurance plan to address your personal insurance needs and provide the coverage you deserve. Please do not hesitate to contact us to know more details. 

What Does Classic Car Insurance Cover?

Do you have a classic, exotic, or modified car? If you do, you have reason to be concerned about what your insurance company would offer you if you totaled it. Acme Insurance Brokerage serving Amityville, NY can help you lock in a fair value for your car that makes replacement possible.

Insurance companies insure classic, exotic, and modified cars in three ways. Let’s start with the valuation method nearly everyone has on their classic car.

Actual Cash Value, or ACV

Actual cash value means saying "what your car was worth just before you crashed it." More precisely, ACV is what an adjuster thinks your car was worth before you crashed it.

If you disagree with the adjuster, you must present evidence to support your claim. This can be hard to do if you are recovering from injuries you sustained in a crash. If you can’t come to an agreement on the value of your car, you may have to go into mediation or take your insurance company to court. This can be a significant hassle.

Agreed Value

When actual cash value is the problem, the agreed value is the solution. If an agreed value is written up properly in your policy, there isn’t any wiggle room on the value of your car. But if you aren’t getting your coverage at Acme Insurance Brokerage in Amityville, NY, you may actually be getting the third valuation method with your policy.

Stated Value

When you get your classic car insurance online from one of the big companies, you will almost always get coverage for the stated value of your car. 

You might think that the agreed and stated values are the same, and you are covered either way. But many insurance companies include a clause in the policy that says, "In the event of theft or a total loss, we will pay the Stated Value or the Actual Cash Value, whichever is less."

In other words, you can state the value of your classic car, and the insurance company can ignore it.

Don’t try to get insurance for your classic car on your own. Let Acme Insurance Brokerage serving Amityville, NY help you find exactly the coverage you need.