June tornado claims in W MA over $140M-
June 20, 2011
June tornado claims in W MA over $140M- call us to review your coverage http://ow.ly/5makS
Have you seen the Travelers commercial t
June 20, 2011
Have you seen the Travelers commercial that features that cute dog? They have a new one and here’s a preview.
The name of the commercial is “Cat Burglar,” and it carries the theme – It’s better under the umbrella.SM Check it out through the following link: “Cat Burglar”.
Check with your independent agency (such as Pardee’s Agency) for your insurance protection today!
http://ow.ly/5lK1n
Found a helpful app for iPhone, Blackber
June 17, 2011
Found a helpful app for iPhone, Blackberry and Android “Auto Accident Help” http://www.travelers.com/about-us/mobile-tools.aspx
Check out this link regarding Insurance
June 17, 2011
Check out this link regarding Insurance on Tree Coverage – NY State may vary in the coverage, but this is a good information. http://www.wrdw.com/onyourside/headlines/Trees_down_Heres_what_insurance_will_cover_123995109.html
Are you covered adequately if you are su
June 14, 2011
Are you covered adequately if you are sued? Check out this article by the Insurance Information Institute (III.ORG). http://www.iii.org/individuals/homei/hbs/umbrella/
President Obama declares a major disaste
June 13, 2011
President Obama declares a major disaster for NY http://ow.ly/5gza0
Your auto insurance can protect your dog or cat, too
May 19, 2011
Flo with her friend Lola
We have teamed up with the Progressive Casualty Ins. Co. and its affiliates, Mayfield Village, OH, and Progressive County Mutual Ins. Co., Austin, TX to provide you with Pet Injury coverage. If your dog or cat is ever injured when you’re in a car accident, we’ll cover your vet bills up to $1,000. With Progressive, coverage for dogs and cats is included with Collision coverage.
Get your Motors Running- it’s Cycle time
April 25, 2011
Get your Motors running… get on the highway!
Motorcycle season has started. Dust off those helmets and shine your chrome. It’s time to get those bikes out on the road.
With the price of gas on the rise we see more cycles now than ever.
We can insure your custom Motorcycles, your Trikes, your Dirt Bikes and Scooters. Did you know we can cover your accessories, transport trailers and offer passenger liability? If you’re out for a nice ride on a beautiful day and you should break down, we can provide roadside assistance and trip interruption.
As you’re shopping around for insurance coverage, give us a call at (845) 331-0025.
Significant Other, Significant Issue
April 21, 2011
Oh how the times have changed. In 1950, eight in 10 households were occupied by married couples. According to the 2000 U.S. Census, that number declined to 51.7%; the balance being singles and couples living together who are not married. The former includes individuals who either live alone or with roommates; the latter encompasses both opposite and same-sex couples who consider themselves partners. It is the latter segment which now makes up approximately 10% of American households.
A benefit to marriage that is often overlooked (perhaps because of its dismal ranking on the romantic scale) is insurance. Married couples experience advantages that are not available to others living together. If you are not married and living with a significant other (SO), there are some important things you should understand about your home insurance.
Standard home insurance is designed to cover damage to personal property like furniture, electronics and clothing that is owned by residents of the home who are related to the person named on the actual home insurance policy (i.e., you). The term “related” is where your SO’s problems begin.
Certainly the cost to replace that stolen television or incinerated clothing is essential. But home insurance has another important role: personal liability coverage. Personal liability is insurance that will cover expenses for which you are liable, like when a guest slips and falls on that lose step or your amateur attempt at controlled brush-burning sets your neighbor’s home ablaze.
Following are some important limitations found in a standard home insurance policy that you and your SO should know:
First, there is no personal liability insurance offered to individuals residing in the home who are not related to the person whose name is on the home insurance policy. For example, did your boyfriend move his dog in? Does your girlfriend’s son host football games in the yard? Examples like these (dogs can bite and children will hurt themselves) serve as a reminder of the unpredictable nature and expenses of a liability claim. The good news is that your personal liability is covered by your home insurance. The bad news is your SO isn’t—a potentially devastating expense that he will have to pay for personally unless he has his own insurance (discussed below).
Second, personal property of a non-relative is not covered by your home insurance. This means no coverage for claims like when your SO’s laptop is stolen from home or school or if that plaid recliner he can’t live without is burned in a fire.
Not all hope is lost. In some cases it is possible to modify a standard home insurance policy to cover losses to your SO’s personal property. However, this won’t fix everything. The best solution is for your partner to purchase a home insurance policy (often called “renter’s insurance”) that will offer your SO protection for expensive property losses and/or a significant liability expense. Your Trusted Choice® independent agent can recommend some solutions.
Pardee’s Agency Inc is a local Trusted Choice® agency that represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs. You can visit Pardee’sonline at www.pardeesinsurance.com or call it at (845) 331-0025.
Flooding – A Real Risk
March 7, 2011
Lots of Snow Melt and Spring Rains Increase the Chance of Flooding
There’s no doubt about it, this was a banner winter for snow fall! We are all
looking forward to warmer weather and spring. But with rapid snow melt and
spring rains, the risk of flooding is increased substantially.
Many homeowners are not aware that their standard homeowners policy does not
cover flood. Even if you are not in a high-risk area, you may still need to
consider flood insurance.
- Flooding has occurred in all 50 states.
- 25% of flooding occurs outside areas formally designated as being flood prone.
- There is a 26% chance of experiencing a flood during the life of a 30 year
- mortgage (more than 6 times the likelihood of a fire).
Flood insurance is provided through the National Flood Insurance Program and is
relatively inexpensive. The time to consider flood insurance is now, not after a
disaster has occurred. Contact us today to find out more about flood insurance
for you and your home.
PS: Flood insurance is also available for renters! Don’t put your valuable
personal possessions at risk.
