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Home Insurance vs. Condo Insurance: What is the Difference?

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Even if you bought a townhouse or garden-style condominium in Amityville, NY, you will need some form of home insurance. You will not have a traditional house policy, as you do not own the lot and in some instances, the physical structure of your home is actually owned by your homeowner’s association. Acme Insurance Brokerage can help you sort out exactly what kind of policy you will need.

Protecting the Parts that You Own

Your home or condo insurance will include all the parts of the building that you actually own. Your purchase agreement will indicate if you own the interior walls and floors, but not the exterior or roof. The deck and patio may not be part of public spaces. Even your garage may be considered a communal structure.

Your home insurance will protect your personal possessions, provide liability coverage for accidents that happen on your private property, and it may help cover the cost of a hotel if you need emergency housing.

The Condo Association Insurance takes Over where Yours Leaves Off

Just because you do not have insurance for the pool owned by the HOA, that does not mean that you are not protected when using it. Your condo association must carry property and liability insurance. So if you have a guest that is injured in the parking area, a claim would need to be filed with the HOA. Basically, part of your monthly fee also pays for the HOA portion of the home insurance traditionally carried by a property owner.

So, congratulations on your new home located in the Amityville, NY neighborhood! Acme Insurance Brokerage is available to help you find the home insurance policy that fully protects your single-family house or condo conveniently situated in a garden-style apartment building.

What is Collision Coverage

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What comes to your mind when you come across the term collision insurance? Perhaps, you think that it’s a coverage that caters to every bill after a car crash. That’s not any further from the truth.

Collision insurance coverage only pays for car repair or replacement when involved in a collision with another vehicle or object, such as a fence. The policy may also cater to expenses incurred if a noninsured or underinsured driver hits your car.

Is Collision Insurance Mandatory

While collision insurance is not mandatory in Amityville, NY, lenders will require you to have the coverage to lease a vehicle.

What Does Collision Insurance Entail?

Collision coverage covers the expenses incurred after car damages resulting from;

  • A crash caused by another driver
  • If your vehicle hits an object
  • When another driver hits your car and lacks enough insurance to cater to the incurred costs

Nonetheless, you must prove that the other driver was at fault for the accident before filing a claim.

What is Not Included in Collision Insurance?

Collision coverage does not include;

  • Damages to your car as a result of situations that are not related to driving, such as theft, fire, or hail
  • Medical bills resulting from an accident
  • Damages to another person’s car

What is Collision Coverage Deductible?

The collision deductible is the amount deducted or subtracted after a collision claim depending on your chosen amount. However, you must ensure that the damages’ cost must be lesser than the deductible amount for the insurer to pay for the damages.

Contact Acme Insurance Brokerage for Collision Coverage

You can trust us at Acme Insurance Brokerage for quality collision coverage in Amityville, NY. Having insurance gives you peace of mind while on the road, knowing that your expenses are covered if the unthinkable happens. Contact us today for further advice on the same and to get a quote. 

Do we need classic car insurance in New York?

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For car lovers that live in and around Amityville, NY, owning a classic car can be the ultimate dream. If you do decide to purchase a classic car here, it will be a prized possession and asset that you need to properly care for. Part of this includes getting the right insurance for it. There are a few reasons why you should get a classic car insurance plan. 

Get Proper Replacement Coverage

A reason that you should get a classic car insurance plan is that you can receive appropriate replacement coverage. A classic car is a unique type of vehicle as it can appreciate in value over time. Due to this, you will want to know that the replacement value of it is properly insured. When you get a classic car insurance plan, it will give you an opportunity to negotiate the replacement value with the insurer to ensure the collectible value is protected. 

Liability Coverage

When you have a classic car insurance plan, you are also going to receive liability coverage. This is a required form of insurance to drive any type of car in New York. Those that are going to get one of these vehicles will likely drive it infrequently, which means the actual liability risk is lower than it would be with a standard car. A classic car insurance plan will reflect this. 

When you are a classic car owner in the Amityville, NY area, having the right insurance is important. Since there are complexities that come with picking this type of protection, it would be wise for you to call the Acme Insurance Brokerage. The Acme Insurance Brokerage can help you be addressing your questions and assessing your coverage options. Based on this assessment you will be able to determine what coverage you need and build a policy that properly protects you. 

Renters Insurance Coverage Options

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Under New York law, the owners of apartment buildings Anne houses for rent are required to maintain property insurance on the place where you reside. While it is not required for you to have a renters insurance policy, in place, it is definitely recommended That you secure a policy to protect you and your belongings. Renters insurance, also known as tenants insurance, is a policy that provides coverage that your landlord’s insurance will not. At Acme Insurance Brokerage in Amityville, NY, our insurance agents understand the importance of maintaining your own protection.

Personal Property Coverage

If your apartment building catches on fire and you lose all of your personal belongings, including clothing, household items, and any furniture and appliances you have purchased, you will be glad you had a renters insurance policy in place. It will replace any belongings you lose due to vandalism, fire, theft, or even a natural disaster.

Liability Protection

Your renter’s insurance policy can also offer you liability insurance. This type of insurance will come in handy if a visitor to your apartment, condo, or house that you rent is injured in some type of accident that is not covered under the property owner’s insurance policy. Liability insurance will pay the medical bills if someone is injured and maybe even their time off of work.

Get a Quote Today

The only way to ensure that you will not lose everything you own if a disaster occurs while you are a renter is to have a renters insurance policy in place. You will need to contact an insurance agent who has experience in renters insurance. The agents at Acme Insurance Brokerage in Amityville, NY are ready to assist you. Call for an appointment or quote today and let us get your policy started!

Should I Insure My Bike When It Is In Storage?

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Amityville, NY winters can be hard on a motorcycle. At Acme Insurance Brokerage, agents are able to help local motorcycle owners keep their ride protected all year long. Simple things like putting your motorcycle in a locked garage can keep it from being stolen, but there are other things that must be considered as well.

Winterize It Properly

Winterize your bike properly. After you’ve taken it out on one last ride for the year, fill the gas tank, and add a fuel stabilizer. Let the engine run for a few minutes to make sure the stabilizer makes its way through the entire system. Change the oil and filter as well. Clean or replace the air filter and remove the battery so it can be stored somewhere warm.

Keep It Covered

Keep your motorcycle covered. Buy a bike cover that fits your motorcycle. This way you won’t have any loose material hanging off the sides for you to trip over. It will also keep your bike from being scratched or marked up while it’s in storage.

Keep It Insured

Always keep your motorcycle insured. Even with today’s advanced security systems, bikes can be easily stolen if a person is intent on taking it. Keeping it insured will also protect you from loss if it is damaged while it is sitting in storage. A roof caving in or something falling from a rafter can do quite a bit of damage.

The agents of Acme Insurance Brokerage understand how important it is for you to keep your bike protected. Residents who live in or near Amityville, NY can call or stop by the office if they have questions about motorcycle insurance or how to keep their motorcycle more secure while it’s in storage.

Do You Need Boat Insurance Year Round?

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If you’re looking for boat insurance in the Amityville, NY area, Acme Insurance Brokerage can help. But do you need to insure your boat all year round? You probably don’t use it in the wintertime and it’s stored in your garage, a dry dock, or another location. Some people also cover their boats securely and store them outside. No matter where you’re keeping your boat, though, it’s a pretty safe assumption that it’s not being used when the weather is cold and snowy. Still, there are accidents that can happen to it and it’s a good idea to make sure it’s insured even when it’s sitting parked.

If you want to protect your boat from harm, keeping it insured is one of the best ways to do that. By working with knowledgeable agents, you may have the opportunity to reduce or adjust your boat coverage during times when it’s not being used. That can mean adequate protection all year round, so you can have peace of mind about your boat more easily. You don’t have to drop your coverage and hope that nothing goes wrong, or remember to get coverage before the first warm, summer day. Our agents can help make sure you’re handling your boat policy the right way.

Boat insurance in the Amityville, NY area doesn’t have to be complicated or difficult. You can get the help you need today from Acme Insurance Brokerage. That way you won’t have to worry about the kind of coverage you have and the type of policy you’re offered. You’ll know you’re getting good recommendations so you can make an informed choice. You’ll be able to enjoy using your boat when the weather is nice, and you can store it without worry during times when the weather isn’t good for boating. Reach out to us today, and let us help you find coverage that meets your needs.

5 Reasons Why Small Business Owners In New York Should Consider Commercial Insurance

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Acme Insurance Brokerage assists the Amityville, NY community by offering residents insurance coverage. We strive to simplify the process of searching for insurance for our clients so that they can find the coverage that they need.

Commercial Insurance

Opening a business in the Amityville, NY area is likely a culmination of years of hard work and dedication on your behalf. Commercial insurance will help you protect your livelihood. The policy helps cover you in the event of a situation that may damage the future of your business. Here is a look at 5 reasons why you should inquire about commercial insurance.

Helps Your Business Stand Out

By inquiring about commercial insurance, that shows people that you are serious about protecting the future of your business. This helps establish your business as a credible place in the industry, which should help you attract more customers and media attention.

Covers Your Business

Commercial insurance covers your business in the event that your property is damaged or stolen. This is especially helpful during an accident in which your inventory is vandalized, which could lead to potentially huge losses without coverage.

Protects Your Employee’s Interests

Commercial insurance shows your employees that you value their contributions. The policy will cover your employees in the event that they are injured. This should help you attract new talent.

Covers Potential Liability Issues

You can amend your policy to protect your business in the event that a customer gets injured while visiting your property or if your product causes damages.

A Peace Of Mind If A Natural Disaster Arises

Commercial insurance covers you in the event that your business is damaged by a natural disaster such as a tornado.  

Acme Insurance Brokerage Will Help You Protect Your Investment

For more information on commercial insurance, visit our website today!

Liability Coverage in Homeowner’s Insurance

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You might not think too often about your home insurance, but that little policy quietly protects your Amityville, NY home from so much. Most people know that if a storm or falling tree limb damages their home, their policy pays for repairs. Did you know though, that your home policy from Acme Insurance Brokerage also protects you from financial ruin when someone has an accident on your property?

It is true!

The liability portion of your policy pays for an individual’s medical bills if they sustain injuries while visiting your property. Let’s say your slightly non-graceful cousin visits you and falls down the steps, spraining his ankle and skinning up his legs. You give him a ride to the minor emergency and he gets treated. Your homeowner’s insurance covers that medical bill when he files a claim.

The same portion of the insurance policy protects you for bigger things, too, such as if someone dies while attending a pool party you throw, or some other event. The liability coverage would pay for the medical bills of the person and their funeral. If their family sued you, the policy would also cover the attorney fees, court costs, and the settlement costs up to a certain amount.

Typically, your liability coverage comprises a small portion of your policy. A standard homeowner’s policy provides about $100,000 in liability coverage. That might not be enough to cover everything though if multiple people get hurt.

Come by and talk with an agent at Acme Insurance Brokerage serving Amityville, NY or call us. We can help you determine the right amount of liability coverage to add to your home insurance based upon the entertaining you typically do at home and if you conduct business there.

What are the benefits of getting an auto insurance policy?

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Driving a car is a very common task for those that are in the Amityville, NY area. When you are a car owner in this area of New York, it is important that you get a good auto insurance policy. There are several benefits that come when you get this type of insurance for your vehicle. 

Receive Coverage to Protect Vehicle

One of the advantages of getting an auto insurance policy is that it will protect your vehicle. When you buy a car, you are going to be making a big investment that you should always do your best to protect. The best way that you can do this is by getting an auto insurance policy. When you get a policy with comprehensive and collision coverage, you will receive protection for a variety of situations that could result in a loss.

Receive Liability Protection

Another advantage of getting an auto insurance policy is that you will receive liability protection. If you drive a car and cause an accident, it will be up to you to pay for the damages. Fortunately, you can offset this risk by getting a full auto insurance policy that includes liability coverage. Having this coverage is also a requirement if you want to drive on a public road. 

Ultimately, those that are in the Amityville, NY area will need to have auto insurance at all times. When you are looking for a policy that is ideal for your situation, it would be a good idea to call the Acme Insurance Brokerage. When you call the team at the Acme Insurance Brokerage, you can learn a lot more about how auto insurance can protect your vehicle. They can then work with you to build a policy that is ideal for your situation. 

What You Should Know About Classic Car Insurance?

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Classic car insurance is a nonstandard type of insurance that was created to meet the insurance needs of classic and vintage car collectors. Since it is a specialized type of coverage, there are certain things you need to know about it before you get one to cover your precious vehicle. 

Type of a Classic Car

A car can be qualified as a classic car if it falls under any of three categories: Edwardian (cars made in the period between January 1905 and December 1918), Veterans (cars made on or before December 1904),  and Limited (special interest, rare vehicles, or limited editions). 

Age 

Your car must be at least 15 years old to be considered a classic car. Some insurance companies provide classic car insurance to vehicles that are under 15 years of age if these cars are considered rare, exotic, or cherished. 

Storage Requirements

There are quite strict storage requirements for classic cars to be eligible for classic car insurance. A classic car should not be parked outside of your home. A classic or vintage vehicle should be kept in a highly secure garage or a special storage facility created for storing and securing car collections. 

Insuring a classic car is different from getting insurance for your regular automobile. Therefore, if you are a lucky classic car owner from Amityville, NY, you should take your time to find a perfect insurance plan for your precious possession. If you need assistance, Acme Insurance Brokerage serving Amityville, NY, and other surrounding areas is ready to help you. Give Acme Insurance Brokerage a call and talk to one of our experienced agents to get more information about insuring your special vehicle.