3 Ways to Protect Your Condo

Your condo is likely the sanctuary you turn to in both good times and bad. But like all stable things in our life, it’s easy to take the roof over your head for granted. If you’re looking for better ways of protecting your condo, then keep the following tips in mind courtesy of Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY. 

Plan Ahead 

This will always be the best way to protect your condo because it gives you a chance to address the problems before they happen. From stronger locks to insulated windows, you can make moves to fend off both man-made and natural disasters alike. While you won’t be able to prevent it all, these steps can go a long way.

Consider Better Property Protection 

You’ve managed to build a life for yourself in a condo, and that life probably includes more than a few special purchases. Jewelry, electronics, and even clothing tend to add up faster than many condo owners think. It’s why they need smarter property protection to replace their belongings should something happen to them. 

Consider Better Liability Protection 

Your liability as a homeowner may be higher than you think, especially when it comes to who you happen to invite over to your home. If you have a party and one of your guests causes an accident after the party, you may be held liable for some or all of the damages. More liability protection ensures you’ll be able to either pay for or fight any claims against you. 

No matter how you choose to protect your condo, consider calling Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY. It’s our privilege and pleasure to help you protect everything you’ve worked to build. We’re passionate about offering real solutions to real problems, so contact us today!

Safe Driving In Hudson Valley

If you drive in New York State, then you know that the Winter months can be rough out on the highways. One of the biggest dangers you face out on the road is not just the ice and sleet and snow, but other drivers who don’t know how to safely operate their automobiles on cold, slick roads.

But, you can try to not be one of those drivers, and maybe not have to make a claim on your Hudson Valley Insurance Brokerage Inc. policy anytime soon. Here are some tips:

Resist The False Sense Of Security

One of the most dangerous times to drive is not while it’s snowing, but right after it’s been snowing. When the sun comes out and the snow is melting and you can see the green in the trees again. This is when people tend to assume that the roads are nice and dry. In fact, you’re still going to come to hard patches of ice that are invisible until you’re right on top of them. So if it’s been snowing in the last couple days, drive a little slower than you normally would.

Always Bring Your Emergency Kit

No matter how safe and warm it looks outside, don’t leave home without some blankets, water and road flares.

Double Your Braking Time

The most dangerous moment out on icy roads isn’t always the driving, but the stopping. People underestimate the brake-time needed and go skidding into traffic. Give yourself twice as much space as usual to stop on wet roads.

Hudson Valley Insurance Brokerage Inc. in Stony Point, NY can help you to cover those unforeseeable accidents, but you’ll want to do your part with the foreseeable ones.

How Commercial Insurance Can Protect Your Business Investment

Business owners around the Stony Point, NY area spend time and money to ensure their investment brings healthy returns. It is important to remember to not forget to protect your investments with quality commercial insurance. Acquiring commercial insurance from Hudson Valley Insurance Brokerage, Inc. is one of the first actions you need to take to protect your business from the effects of a covered event.

Don’t Lose Out

When a covered event occurs, commercial insurance will help you recover your losses and get back to normal. Without this necessary protection, you stand to lose significantly. When you purchase a policy, it covers a variety of items including any office equipment on the premises, as well as valuable items such as electronics, furniture, appliances, and more. To get the right amount of coverage, you must first do inventory on all of your business’s possessions. 

How Much Insurance Do You Need?

When calculating the amount of coverage you need to purchase, you should take the total dollar amount from your business inventory, and round up to the next available coverage amount. Before deciding on a figure, it is important to make sure that you haven’t overlooked any items and have calculated their value appropriately. In some cases, you can choose to purchase insurance that covers the replacement cost of the items, or you can choose to cover the cash value which calculates depreciation. Talk to your insurance provider to find out what types of policies they offer and which one is right for your needs.

When you need to protect your commercial investment, you need insurance that will cover the products and equipment necessary for you to operate on a day to day basis. When you need reliable insurance, check out Hudson Valley Insurance Brokerage, Inc. in Stony Point, NY. Call or stop by today to speak with a knowledgeable representative that can help get you started.

 

 

 

How to ensure your home is safe from various risks

When it comes to protecting your home, nothing should stop you. Your home is a place where you go when you feel stressed or after a long day of work. It is also where you create and share memories with your loved ones. On top of that, it is where you store your items such as furniture, electronics, clothes, and shoes among more. So, if you do not protect it, you stand to lose everything you have worked for.

But how do you protect this home? You protect it by taking a home insurance policy. Luckily, if you are in Stony Point, NY, Hudson Valley Insurance Brokerage, Inc. is here to guide you. We provide you with a home insurance policy that is dependent on your needs. What do we mean by that?

Unlike other Insurance companies, we are concerned about your needs. Therefore, we take time to listen to you before advising you on the best policy. We understand that your needs might be different from another person’s needs and that is why we have several experienced employees to guide you through all our policies.

Here is a list of some of our best home insurance coverage options:

Personal Property Coverage

As established earlier, your home is where you store or keep your personal property. Therefore, we at Hudson Valley Insurance Brokerage, Inc. provide you with a policy to protect all your items in the case of a disaster such as fire, theft, hurricane, or various weather events.

Liability Coverage

As long as your friends or neighbors visit your home, the court holds you liable if someone gets injured. For example, if one falls on your stairs or slips on water, the court will require you to pay for all the damages. Also, if one gets injured by your pet, you will still be required to pay for the damages.

Those are some of our main coverage options, however; we also offer additional coverage options. So, if you are in Stony Point, NY, please feel free to visit our offices or call us for more information.