Is Renters Insurance Worth it?

If you are renting a home or an apartment in Amityville, NY, you will require insurance coverage to protect your valuables. Don’t be tempted to think that your landlord’s property coverage will shield your belongings — it only covers the physical building itself. In light of this, you should consider buying renters insurance from Acme Insurance Brokerage and stand a chance to enjoy the below benefits.  

It shields your belongings

The losses you would incur if something unforeseen unfolds, causing you to lose your valuables such as clothing, furniture, jewelry, electronics, and so forth, are covered by your renter’s insurance policy. 

While renters insurance doesn’t prevent mishaps from happening, it ensures that you don’t start from scratch when disasters strike. 

It offers liability coverage

If someone who visited you in your home encountered an unfortunate event that results in serious injuries, you’d be liable to meet their hospitalization and medical bills. Besides, you may face legal suits if the injured person goes ahead to sue you. Luckily, the costs are covered by your renter’s insurance, lessening your financial burden. 

It covers additional living expenses

Whereas you least expect it, your home can become uninhabitable as a result of a covered peril. This would leave you with only one option – relocating while repairs or reconstruction take place. But assuming you were low on cash, how would you manage? It would be hectic, but not when you have renter’s insurance. 

It could be required

While no law requires you to buy renters insurance, some landlords may insist you purchase renters insurance. Why? Renters insurance shields landlord’s from tenants’ actions that may harm other renters. 

Buy renters insurance today!

Are you ready to get started with renters insurance? Please contact Acme Insurance Brokerage in Amityville, NY, for an affordable quote. Are you worried about the budget? Don’t be. We can customize your renter’s insurance coverage to fit your budget. 

Why New York Business Owners Should Consider Adding Cyber Liability Coverage

Acme Insurance Brokerage provides coverage to the Amityville, NY community. For over 20 years, we have strived to make sure that our clients have the coverage they need to be prepared in any situation. We offer a wide variety of custom policies. As a family-owned and operated business, we treat all of our clients like extended family.

Why New York Business Owners Should Add Cyber Liability Coverage

The Amityville, NY economy relies on the success of thriving businesses. As a business owner, you have likely made a lot of sacrifices in order to fulfill your dream. Commercial insurance supplements your hard work by protecting your most valuable asset. Commercial insurance covers the physical structure of your building against possible damage. All of your equipment and inventory that you rely on to successfully operate your business is also covered if it is vandalized or stolen. Commercial insurance covers your business if you are the victim of a fire or natural disaster.

As you figure out the type of commercial insurance policy that suits your business, consider this current age of technology. The majority of businesses today use electronic devices to store important information. If your electronic documents were lost or compromised, you may be left in a tough position. If those documents contain sensitive customer or employee information, you could face potential legal action. Cyber liability coverage can help protect your business in these situations. The policy protects your business in the aftermath of a costly data breach. You’ll be covered as you figure out how to restore the lost data. You’ll also be covered if you decide to shut down your business until everything is settled. If one of your customers pursues litigation against you on the basis of your business having a faulty network, cyber liability insurance will cover your business through the legal process.

Acme Insurance Brokerage Will Help You Protect Your Business

Visit our website to learn more information about commercial insurance.

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

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

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?

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

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?

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?

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

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

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.