Motorcycle Insurance Options If You Don’t Wear Helmets

At Hudson Valley Insurance, we’ve worked with many Stony Point, NY residents who love riding motorcycles. However, we’ve found that many of these riders don’t think that they need to wear a helmet. When you don’t wear a helmet, you open yourself up to some insurance issues that may affect your various coverage options. 

Liability 

The most crucial aspect of your motorcycle insurance is likely your liability. Unfortunately, a failure to wear a helmet could make you more liable in an injury due to comparative negligence. For example, if you were driving in a dangerous way that seriously contributed to a crash, you may be found liable, and your policy will kick in and cover the damage. This situation can be a problem if you don’t regularly wear your helmet. 

Personal Injury 

Whenever you suffer a crash while driving a motorcycle, you’re likely to end up injured. However, riders without helmets are going to be even more damaged. As a result, you’re going to need a policy that covers significant bodily damage and which you can adjust to ensure you are fully and adequately covered. Thankfully, many options should be available. 

Property Damage 

As a cyclist without a helmet, you should drive as carefully as possible to avoid accidents. However, you’re likely to find that your property damage is higher if you crash into another vehicle while not wearing a helmet. Your company will consider your lack of a helmet as a risky driving decision and may penalize you for making this choice. 

Professional Insurance Help 

If you find that your policies don’t quite your need, you should contact us at Hudson Valley Insurance. We serve Stony Point, NY and other areas nearby and will do what we can to help minimize your insurance payments. Just as importantly, we’ll find a stable method for managing your fees.

Now is the Perfect Time for NY Boaters to Review Their Insurance Policies

Spring is a good time to make sure that you have everything ready for another summer out on the water. And for boat owners in the greater Stony Point, NY area that includes a full review of boat insurance policies. The team at Hudson Valley Insurance is here to help you make sure you have everything in place before it’s time to get the boat out again for the season. Don’t be caught with insufficient coverage if you experience an accident or another incident this summer with your boat.

Make Sure You Have the Coverage You Need Before You Get Out on the Water

Owning a boat can make summers a memorable time for you and your family, but with the pleasure comes a lot of responsibility. There are many boat owners and operators who do not have the experience or judgment that they need to safely operate their craft. Unfortunately for responsible owners, they can make the waters unnecessarily dangerous. Make sure that you are protected from any damage or injury caused by an irresponsible boater with the right level of insurance coverage. Whether you need coverage for damage to your boat or want protection for liability due to a mishap that causes injuries, there are a number of policy options available to meet your needs. Boat insurance should also cover your vessel when it is docked and in transport from storage to the water.

The team at Hudson Valley Insurance is here to advise our customers in the greater Stony Point, NY area about all insurance matters including boat insurance. If you want to make sure that you have the coverage you need, call or stop by our office to make an appointment with one of our helpful agents.

5 Ways to Turn Your Backyard to the Perfect Summer Spot

You don’t need to travel to exotic locations in order to enjoy a real summer vacation. Use these design tips to turn your Stony Point, NY backyard into a seasonal basis.

  • Ensure your homeowner’s policy is up-to-date. An active policy ensures you have enough money to pay for any accidents or injuries that occur while you’re entertaining. Talk to the agents at Hudson Valley Insurance for personalized insurance guidance.
  • Repurpose your Christmas lights for a chic nighttime decoration. String lines of Christmas lights across your shrubbery, along the walls, or around pillars and supports in your backyard. Turn them on at night for a romantic glow that sets the mood for late evening activities.
  • Invest in outdoor storage. For families with young children, keeping sports equipment and outdoor toys together is a big struggle. Find a storage solution that fits your family’s hobbies and space constraints before the season starts to ensure the backyard is always a comfortable space.
  • Bring the indoors out. Got an old couch you were going to throw out? Cover it with an afghan and place it on your patio or porch for a cozy star watching spot. Use an indoor rug on your lawn to add an unexpected pop of color and give your family a place to clean off their feet before entering the home.
  • Use shade strategically. Use premanufactured shades or make your own using swathes of fabric. Fix the shades to trees, buildings, and other support structures to shield sections of your property from the sun. Your guests won’t have to give up on outside fun when it gets too hot.

Hudson Valley Insurance carries homeowners insurance for residents in the Stony Point, NY area. Contact our representatives for more information on customized homeowner policies.

What does flood insurance cover?

There are many sights to behold in Stony Point, NY. Although, the spring months can bring destruction when the snow melts. You need to ensure that you are fully protected against the effects of inclement weather. Read on to learn more about flood insurance for your home.

Flood Insurance vs. Standard Home Insurance

Some homeowners mistakenly believe that their standard home insurance is enough to guard against significant financial loss in the event of a flood. In actuality, a standard home insurance policy does not cover flooding or any other natural disaster. You need to purchase a separate policy through the National Flood Insurance Program (NFIP) that pays for damages caused by massive flooding.

What Is Flood Damage?

There is a difference between water damage and flood damage in the insurance world. Whereas water damage is the result of leaking coming from the top down, flooding is damage caused by water that flows from the bottom up. For the most part, any water that began on the ground before damaging your items is considered a flooding incident. You should not count on your standard home insurance policy to cover the event.

What Does Flood Insurance Cover?

Flood insurance covers water damage related to surge storms such as hurricanes as well as mold that comes as the result of excessive water in your home. The assets in your residence, such as electronics and keepsakes, may also be covered by a flood assurance policy.

How Much Flood Insurance Do You Need?

It is best to speak with an insurance agent when discussing flood insurance and policy limits in Stony Point, NY. The experts at Hudson Valley Insurance Brokerage, Inc. can help you work through the red tape of home insurance and find the flood assurance policy that works best. Call Hudson Valley Insurance Brokerage, Inc. today to get started with a quote!

Understanding Life Insurance For Your Dependants

Life insurance is often a tough subject for many people not just in Stony Point, NY but throughout the state. This is mainly because the very nature of life insurance is based on a subject we do not like to think about or talk about; the passing of our loved ones and eventually yourself. If you find this topic tough, here are a few tips from Hudson Valley Insurance to help you have this conversation with your family and make the best choices when it comes to life insurance for your dependents. 

Difficult But Necessary

Despite the difficulty of discussing this topic, it is none the less a necessary topic to address. Many people find it hard to think of life insurance needs for their dependents because we cannot imagine life without them. It is important to note that addressing this issue and making life insurance decisions does not mean you are in any way insulting or disrespecting the people with which you want to cover. This is just a wise financial investment against a possible tragedy. 

Even Children Need Life Insurance

Many parents rarely give a thought to the idea of their children having life insurance. However, an excellent way to think of this difficult topic is to remember that should something happen to one of your children, the last thing in the world that you would also want to be burdened with would be worries about money and how to cover their final expenses. This is a good motivator to help you make choices concerning life insurance for your child or children. 

Other Dependents

If you have other dependents in your life, remember that providing life insurance for them is just as important as providing health insurance and other financial needs for them. This is just a provision for possibilities in the future. 

If you would like to speak to an insurance agent about life insurance options, please call our friendly staff at Hudson Valley Insurance in Stony Point, NY. 

Do Commercial Insurance Premiums Fluctuate?

Having commercial insurance is necessary for both large and small businesses. Most smaller businesses carefully budget for their premiums, which is why it is vital for business owners to know if their insurance premiums will fluctuate during the policy term. 

Commercial Insurance Policy Premiums

In most cases, the premium will reflect a set price for a specific time frame and the premium will stay the same as quoted before the policy purchase. There can be a change in the policy premiums if there is an extenuating circumstance or an increased risk to the business that was not initially present. This potential for changes should be outlined in the policy terms and conditions before signing the policy. Ask your insurance agent if there are any conditions which may cause the premium to change either during the active time frame or at the policy renewal. Having this information will help you stay prepared for changes.

Working With Your Agent

It is key to work with an agent who is backed by an established, reputable insurance agency. The agent should work with you individually to go over the policy in detail and will inform the client of any potential changes during the effective time frame of the policy. Business owners, located in or around the Stony Point, NY area, should consult Hudson Valley Insurance for guidance through the process. 

Anyone who is considering purchasing business insurance should take the time to speak with a representative from Hudson Valley Insurance, serving the residents and business owners in the Stony Point, NY area. Call or stop by the office today for more details and answers to your questions. 

How to Prepare Your Car Before Starting a Road Trip

Whether you’re heading out to look at the beautiful fall foliage in New England, are visiting relatives for the holidays, or embarking on a great family vacation, you can have a blast on a road trip in New York. However, nothing kills the vibe quite like having car trouble before you even leave Stony Point, NY. Before you start your next road trip, make sure you have your car prepared, so there are no hiccups once you hit the road. At Hudson Valley Insurance Brokerage, Inc., we want to make sure you’re safe and happy out on the road, and the following tips will help you do just that.

Check Your Car

Inspecting and filling up some simple things in your car can keep it running smoothly. Some important things to check are tire pressure, oil, and fluids. Also be sure to fill up the gas tank when you’re packing and getting ready so the car will be ready to go when you are.

Take Inventory of Your Emergency Kit

You should already have an emergency kit in your car at all times, so if you don’t, now is the perfect time to create one. If you do already have one, just check it over to make sure everything is there and nothing needs to be replaced. Some crucial items include a first aid kit, water, flares, a flashlight, a blanket, and jumper cables.

Check Your Inspection

Even if you will be traveling to a state that does not require car inspections, New York does. So make sure your inspection is up to date before you head out. This will help ensure your car is safe and ready for the long haul.

Plan Your Route

Before you pull out of the driveway, make sure everyone is buckled up, and you know where you’re going. This way, you’ll be a less distracted and safer driver. It may seem old-fashioned, but you should also keep a map in your car just in case your electronics stop working.

Take these few simple steps before you leave Stony Point, NY to help you embark on a smooth sailing road trip. If you need help setting up or checking on your car insurance before you leave, contact Hudson Valley Insurance Brokerage, Inc.

What Happens If Your Employee Is Injured When Working Off-Site?

If you own a business, you understand the importance of comprehensive commercial insurance protection. Unfortunately, the case law surrounding liability when the injury occurs off-site can be less than clear. At Hudson Valley Insurance Brokerage, Inc., we are dedicated to providing our business clients in the greater Stony Point, NY area the insurance protection they need. We are here to direct you to the proper policy for your needs and provide the insurance coverage that can help keep your company insulated from worker’s compensation and other liability claims. Don’t let an injury or other accident create negative outcomes for you and your business, we are here to help!

When You Could Be Held Liable For An Employee Injury That Occurs Off-Site

There are instances in New York State whereby you could be held responsible for an employee’s injury even if the event occurs off-site. In such instances, it is important to assemble all of the facts right away. You will also need to alert your insurance carrier of the claim that could be potentially filed against you. A comprehensive commercial policy can help to protect your company from the negative effects of an employee injury and the liability that can come with such an occurrence. Knowing that your commercial coverage can help protect you from such an event can give you the peace of mind that you need to stay focused on growing your business!

Is it time to review your commercial coverage to ensure that you have the protection you need in the event of an employee injury? Contact the team of professional agents at Hudson Valley Insurance Brokerage, Inc. and make sure you have the protection and coverage that you need for your greater Stony Point, NY area business.

Finished with the Home Renovation? It’s Time to Update Your Home Insurance

We can imagine that new guest suite in your Stony Point, NY home is looking gorgeous! Your friendly agent at Hudson Valley Insurance Brokerage, Inc. wants to remind you that significant improvements to your property may need additional coverage on your home insurance policy.  Why is that? Let’s find out.

Additions Increase the Real and Assessed Value of Your Home

Not only will a four-bedroom home sell for a higher price compared to a three, but it will also cost more to repair in the case of major or total loss due to fire and other incidents. Now is a good time to review how much your home insurance policy will pay out and make sure that it is commensurate with the current market and real value of your house. 

Pools, Patios, and Backyard Kitchens Should be Itemized

Maybe it wasn’t the inside of the house that got the redo. That in-ground pool was an expensive investment. Hardscaping and outdoor living spaces also represent a significant expenditure in home improvement. When you sit down with your agent, talk about not only the market value of the entire property but the costs of repairing or replacing all of your outbuildings.

Did the City Reassess Your Property?

If you took out a permit to complete the renovation, that will often lead to a visit from the Stony Point, NY assessor’s office after you complete construction. It should also be a red flag that if your taxes are going up, you might want to ensure your home insurance reflects that increase. This is especially true if you have owned the home for ten or twenty years and have been letting your policy ride year after year.

Pick up the phone and give the agents at Hudson Valley Insurance Brokerage, Inc. a call to protect your home today.

Does Classic Car Insurance Offer The Same Benefits As Regular Auto Insurance?

A car is one of the most important items a person will own, but this is especially true if they own a classic car. A classic car is generally an investment that can be worth substantially more than the average vehicles if it has been restored and maintained. These vehicles require specialized insurance coverage.

What Is Classic Car Insurance?

Regular car insurance and classic car insurance differ in that classic car insurance takes specialty parts and additions into consideration when calculating the value of the car, as well as the cost to fix the vehicle in the event of a covered loss. Classic cars can be notoriously expensive to fix and may require specially trained professionals to repair it properly. 

Finding Classic Car Coverage

If you are looking for insightful coverage for your investment and live in or around the Stony Point, NY area, you should check out Hudson Valley Insurance Brokerage, Inc. We have the insurance products you need to completely protect a classic car and ensure that it can be replaced or properly repaired if there is an accident covered by the policy. Let us walk you through the options to help you find coverage that will work for your particular needs.

If you own a classic car and are searching for the right type of coverage, contact Hudson Valley Insurance Brokerage, Inc. We serve the residents in and around the Stony Point, NY area. Call or stop by the office to discuss your needs with one of our helpful insurance agents who can show you the options you need to protect your classic car.