Acme Insurance Brokerage

Does Renters Insurance Cover Moving Damage?

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Renters insurance is designed to protect your belongings while you’re renting an apartment, home, or other property. It covers your personal belongings against perils like theft, fires, and damage caused by extreme weather. But what happens when you’re in a state of transition? Say, for example, that you’re moving from one rented place to the next. Will your renters insurance cover damage that occurs during this transition?

Let’s look closely at what renters insurance may cover during a move, why you should keep it until you move, and how to get the best policy with our help at Acme Insurance Brokerage A, servingmityville, NY. 

Will Renters Insurance Cover Damage Caused by Moving?

Renters insurance may cover damage caused by moving, but there are limitations. Renters insurance will generally cover you if any of your packed belongings are damaged by any of the perils that would have affected them if they were sitting in your home. Renters insurance will not cover any damage that might occur as a result of moving your items around. For example, if you drop a box of items or movers accidentally damage your things, your renters insurance will not foot the bill. However, your renters insurance may pay for damage that occurs to your items during temporary storage. It’s worth looking into your policy to see if it offers this coverage. Just make sure you don’t cancel your renters insurance prematurely. If you do, you will be on the hook for the damage and pay for it out of pocket. 

Protect Your Belongings With Acme Insurance Brokerage

If you’re moving to a new location and need renters insurance, you can trust Acme Insurance Brokerage to help you secure the best policy. We’re currently serving Amityville, NY.

Weekend Traffic to the Beaches: A Spring Liability Reminder for Amityville Motorcycle Owners

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When the weather warms in Amityville, NY, riders start getting anxious to get on the road. But that excitement comes with a few caveats. Weekends bring heavier traffic long before summer officially arrives. The mix of beachgoers, unfamiliar drivers, and congested routes can turn your simple ride into something more unpredictable. For motorcycle owners, this change isn’t about miles; it’s about the way everyone changes their behavior when sharing the road.

How Early-Season Beach Traffic Alters Riding Conditions

Spring often feels like a combination of confidence and rust. Riders eager after months of forced idle time, sometimes quite literally, collide with drivers exploring seasonal routes to the beach. Add some visitors and day trippers to the mix on Sunrise Highway or Montauk Highway, and you have the recipe for a spring disaster.

Movements are tighter. Cars stop suddenly as drivers search for parking or street signs. Lane drifts turn the road into an obstacle course. And even low-speed areas turn chaotic when pedestrians, cyclists, and cars all converge on the same spaces. For riders, this causes some unique challenges: not how to handle their bikes, but how many drivers around them are still trying to adjust to spring.

This is why ACME Insurance Brokerage helps local riders think through how their motorcycle insurance matches up with the realities of spring riding or early-season beach traffic. Your liability exposure increases not because you forgot how to ride your bike, but because everyone else on the road forgot how to drive. Or at least that’s how it feels.

Why a Spring Review Matters for Amityville Riders

The spring brings sudden traffic shifts and roads filled with drivers who haven’t recalibrated yet. And with that, many riders realize their existing motorcycle insurance may not be enough.

Our experts at ACME Insurance Brokerage offer guidance for motorcycle owners who need their motorcycle insurance to align with early spring risks. 

From Bay to Sound: How Amityville Boaters Can Avoid Coverage Gaps Between Waterways

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It’s just perfect. Boating around Amityville, NY, offers the best of all worlds. The sheltered Great South Bay and the wild open waters of the Atlantic right beyond Fire Island … It’s paradise. But moving between these waterways can expose you to risks and coverage gaps many boat owners overlook. At ACME Insurance Brokerage, we help local boat owners tailor their boat insurance to fit their lifestyle and the realities of Long Island’s diverse coastal experience.

Different Waters, Different Rules

Water is water. Not so fast. Policies often distinguish between “inland”, “bay,” and “coastal” navigation. A policy written for protected waters typically excludes coverage once you’re in the open ocean. And that means if you take your boat from the Bay out toward the Sound or beyond Jones Inlet, you are losing your protection without even knowing it. No collision coverage. No towing. And now liability protection.

Before you head out, review your boat insurance policy to make sure you’re covered regardless of where you operate your boat. But that’s not all. You need to confirm your policy includes:

  • Agreed value versus actual cash value on a total loss, which is especially important for older boats (Agreed value will pay out up to an agreed-upon amount, while actual cash value will pay out up to the value of your boat, minus depreciation.)
  • Salvage and wreck removal coverage (Salvage or removal costs often far exceed the value of your boat.)
  • Environmental liability (In case you accidentally spill fuel or spring a leak during an accident.)

Smart Coverage for Local Conditions

In Amityville, NY, shifting tides, shallow channels, and sudden coastal storms can create real risks. A customized policy from ACME Insurance Brokerage can include seasonal lay-up coverage, hurricane haul-out reimbursement, and even protection for trailers or equipment stored ashore.

Keep Your Adventures Seamless

Nobody has time for the fine print, but ignorance is not an option when your lifestyle and financial security are at stake. Schedule a quick policy review with ACMS Insurance Brokerage to make sure your boat insurance moves the way you do, from the Bay to the Sound and everywhere in between. The right coverage keeps you focused on what’s important: the horizon, not the exclusions page.

Company Cars Versus Personal Cars: Are You Fully Protected?

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If you are a business owner, you know purchasing commercial insurance to protect your business assets is essential. Many company owners seek advice to select the best insurance options. If your company is near Amityville, NY, our team at Acme Insurance Brokerage can help you create the ideal insurance portfolio. We’ve been working with businesses like yours since 1994.

Company Cars Versus Personal Cars: Are You Fully Protected?

If your company owns cars or trucks for business-related purposes, they must be covered by commercial auto insurance. But there are circumstances where the use of those vehicles may be problematic. For example, some people use their company-provided car for personal travel (with company permission). But the company’s commercial auto insurance policy may not fully cover personal drive times.

Check with your insurance agent to help you fully understand your coverage during the times you or your employees are driving company cars. You may want to add a named nonowner or extended nonowned coverage endorsement (add-on) to ensure adequate coverage. If you or your employees drive company cars and don’t also have personal cars, ask whether your commercial auto policy has an endorsement for that. An endorsement can extend your company’s liability insurance to every driver who uses company-owned cars.

Call Us for an Appointment

Commercial insurance policies protect your business assets, such as your property and company vehicles. Our team at Acme Insurance Brokerage will also help you protect your employees with health insurance and a workers’ compensation policy. Businesses in the Amityville, NY, area have been trusting us for over 30 years.

Four Ways to Get Your Home Ready For the Fall Season

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As a homeowner in the Amityville, NY, area and surrounding communities, it’s important to prepare your home for the fall season as the weather cools and the seasons change. Below are four essential tasks to help get your home ready.

1. Clean Your Gutters

As the weather cools down, leaves will begin to fall. Take this time to clean out your gutters and remove fallen leaves and other debris. If your gutters aren’t cleaned before winter, you risk serious roof damage. Snow, ice, and rain sitting in clogged gutters can damage the system and lead to costly repairs.

2. Inspect Your Roof

While working on your gutters, inspect your roof for missing shingles or soft spots that need to be patched. Addressing these issues promptly will help protect your roof from further damage. If a full roof replacement is necessary, it’s better to complete it sooner rather than later.

3. Trim Your Trees

If you have trees close to your home or hanging over parts of your house, trim them during the fall. Cold weather and ice can make tree branches brittle, increasing the risk of falling limbs that can cause significant damage to your home.

4. Check Your Insulation

With cooler weather approaching, inspect the insulation in your attic and basement. Proper insulation helps retain heat in your home during winter, reducing the strain on your furnace and lowering your utility bills.

If you own a home in or around Amityville, NY, reach out to our team at Acme Insurance Brokerage. We offer a variety of insurance options, including home insurance. Contact us today for more information about your home policy.

Auto insurance add-ons you should consider

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Auto insurance can be customized to fit a variety of needs. If you’re unfamiliar with some of the available add-ons, our team at Acme Insurance Brokerage in Amityville, NY, is here to help. We’ll get to know you and make suggestions about the add-ons that will be most beneficial for your policy. While some people are fine with a basic auto insurance policy, there are certain add-ons that can enhance almost any coverage plan.

Collision and Comprehensive Coverage

Collision and comprehensive coverage protect your vehicle in different ways. Collision coverage applies in the event of a vehicle accident, while comprehensive coverage protects against damage from non-collision events, such as weather-related incidents. Comprehensive coverage also includes protection for your vehicle’s glass. Both types of coverage typically require a deductible to be paid before benefits kick in.

Full Glass Coverage

Full glass coverage is an add-on to comprehensive coverage that covers the repair or replacement of your windshield without requiring a deductible. This can save you money upfront and provide peace of mind.

Rental Car Coverage

Rental car coverage doesn’t apply to vacation or business vehicle rentals. Instead, it covers the cost of a rental car if your vehicle is damaged or totaled and temporarily unavailable for use. Your insurance company will specify the number of days this coverage applies.

Gap Coverage

Gap coverage bridges the difference between what your insurance company will pay for a totaled vehicle and what you still owe to your lender. This add-on can be especially valuable if you’re financing or leasing your car.

Don’t wait—give our office at Acme Insurance Brokerage in Amityville, NY, a call to discuss your auto insurance needs. You can also reach us through our website for more information.

Preserve the Past: How to Choose the Right Classic Car Insurance Policy

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If you’re in the Amityville, NY area and looking for classic car insurance, Acme Insurance Brokerage is here to help. Our agents understand the unique needs of protecting a classic vehicle, and we can provide you with information and quotes from multiple insurers to help you find the best option for your needs. Here’s what to consider to make choosing the right policy easier.

How Much Do You Drive Your Classic Car?

Most classic car owners don’t drive their vehicles frequently, but some do. If you drive your classic car often, you may need a different type of insurance than someone who primarily stores their vehicle. Either way, there’s a policy that can fit your lifestyle and protect your car.

Where Do You Store Your Vehicle?

Storing your vehicle in a secure facility is different from parking it in your driveway with a cover over it. The storage method impacts the risk of loss and other factors, which will influence the type of insurance you need. We’ll ask about your storage details and driving habits to help find the right policy for your situation.

Do You Travel With Your Car?

If you take your classic car to shows and events, it’s important to ensure you’re protected while away from home. Working with our agents makes it easier to find coverage that fits your needs, so you can enjoy the experience without worrying about your car.

Get in Touch for Policy Information Today

Contact us at Acme Insurance Brokerage today if you’re in the Amityville, NY area and looking for classic car insurance. We’re here to help you choose a policy that provides excellent protection and gives you peace of mind, so you can fully enjoy your classic car for years to come.

Which Renters Insurance Policy Do You Really Need? A Guide to Getting the Right Coverage

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Are you renting a new place in Amityville, NY? If you’re preparing to move in and searching for a renters’ insurance policy, Acme Insurance Brokerage is here to assist you. Our agents understand the excitement of moving into a new space, as well as the importance of protecting your belongings. We’re dedicated to helping you find the right coverage for your unique situation, so you can fully enjoy your new home and make it your own.

Renters Insurance: Protecting Your Belongings

When you move into a rental property, you bring clothes, dishes, furniture, decor, and other personal items. Whether you bring everything with you initially or collect items over time, your belongings add up and can be costly to replace. Renters’ insurance provides coverage for these items, ensuring you can replace them if they are stolen or damaged due to unforeseen events.

Renting vs. Owning: Different Insurance Needs

Many renters mistakenly believe that their landlord’s insurance will cover their personal belongings. However, a landlord’s insurance only protects the building itself, not the renter’s possessions. As a renter, it’s essential to have your own insurance policy to safeguard your items. Before selecting a policy, it’s wise to consult with an agent. We can provide quotes from multiple insurers and help you compare coverage options to find the policy that best suits your needs and goals.

Our Agents Are Ready to Assist

Contact us today at Acme Insurance Brokerage if you’re in Amityville, NY, and need renters insurance. We’ll help you choose the right type and size of policy to protect your belongings, giving you peace of mind as you settle into your new space.

When Does a Sole Business Owner Need to Consider Commercial Insurance?

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Running your own business is both exhilarating and challenging—it also comes with its own set of risks. If you’re a sole business owner, you might believe that commercial insurance is only for larger companies. At Acme Insurance Brokerage in Amityville, NY, we often hear, "Do I really need insurance if it’s just me?" The short answer? Quite possibly—yes.

You’re Liable, Even If It’s Just You

Many sole proprietors assume that personal insurance will cover any business-related incidents. Unfortunately, that’s not the case. If a client trips and falls at your home office or if you accidentally damage a customer’s property while working, you could be held personally liable. Commercial general liability insurance helps protect you in these situations, covering legal fees, medical expenses, and other potential costs.

Clients and Contracts May Require It

As your business grows, you may take on larger clients or more complex projects. Some clients require proof of insurance before signing a contract. Without it, you could miss out on valuable opportunities. Having the right coverage also builds trust and shows you take your business seriously.

Your Equipment and Income Need Protection

If you rely on tools, equipment, or even just your laptop, a sudden loss could bring your work to a halt. Commercial property insurance or a business owner’s policy can help replace lost or damaged items. And if you have to pause operations due to a covered event, business interruption coverage can help replace lost income.

Ready to Protect Your Business?

Even if you’re a one-person operation, commercial insurance offers essential peace of mind. Acme Insurance Brokerage in Amityville, NY, is here to help you find the right coverage for your unique situation. Contact us today for expert guidance and a custom quote.

Are Older Homes More Difficult to Insure?

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Amityville, NY, and its surroundings are home to many older houses. If you’ve considered buying one, you may find that some insurance carriers won’t provide you with a policy. This is because older homes have inherent risks that new constructions or buildings less than 10 years old don’t have. Finding an affordable policy may require some additional effort. However, Acme Insurance Brokerage works with several reputable providers to insure your older home.

Factors Affecting Insurance for Older Homes

Purchasing your unique home may be a dream come true for you, but some insurance companies shy away from protecting them. That’s because replacing structures and systems that are decades or even over 100 years old can be more expensive. In addition, rebuilding an older home is more costly, particularly if the building isn’t up to code or if some materials are difficult to find. Insurance costs generally rise when a home is 40 years or older.

Several common factors affect the cost of policies for older homes. These include:

  • Roofing age and materials
  • Old electrical wires pose a fire hazard
  • Outdated plumbing and sewer lines
  • Outdated construction techniques

How You Can Insure Your Vintage Residence

Some insurers will allow you to supplement a standard HO-3 homeowner’s policy with special coverage for your home’s age. Be aware, though, that if your home is exceptionally old, you may not qualify for an HO-3 policy. In these cases, you must find a provider that will issue an HO-8 policy. If your older home is in excellent condition, an HO-8 policy may be less expensive than an HO-3. You should remember that water damage is usually not included in the list of HO-8-covered perils.

Learn how Acme Insurance Brokerage, serving residents of Amityville, NY, can help you save money on coverage for your older home. Contact our representatives today.