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83 Haviland Dr, Suite 3
Patterson, NY 12563

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Featured Insurance Blog

Multi-Bike Policies: Streamlining Coverage for Riders with Multiple Motorcycles

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New York bikers sometimes own more than one motorcycle for themselves or their family members. Many enjoy riding the city streets and highways in and around the Patterson, NY region. Bikers in New York can appreciate the multi-bike policies for discounts and other incentives. Motorcycle owners often choose multi-bike policies to consolidate their insurance coverage under a single policy, regardless of the number or types of motorcycles they own. 

Comprehensive Coverage for All Bikes

Multi-bike policies typically provide comprehensive coverage for all motorcycles included in the policy. This includes coverage for property damage, liability, theft, and bodily injury, ensuring that each bike is adequately protected against unexpected events on the road.

Cost Savings and Discounts

Consolidating insurance coverage for multiple motorcycles into a single policy often results in cost savings and potential discounts. Insurance providers may offer reduced premiums or multi-bike discounts for insuring multiple motorcycles under one policy, making it a cost-effective option for motorcycle owners. With the cost of living, these discounts help bikers continue to enjoy their freedom of the open road. 

Flexibility and Convenience

Multi-bike policies offer flexibility and convenience for riders who frequently switch between different motorcycles. Whether you own cruisers, sport bikes, touring bikes, or vintage motorcycles, a multi-bike policy can accommodate diverse riding preferences and ensure continuous coverage regardless of the bike you choose to ride.

Tailored Coverage Options

Insurance providers may offer tailored coverage options within multi-bike policies to accommodate specific needs and preferences. Riders can customize their coverage limits, deductibles, and additional protection based on individual requirements, providing personalized insurance solutions for each motorcycle included in the policy.

Let Kimberly J Brennan Agency Inform You

Kimberly J Brennan Agency helps answer motorcycle insurance questions and serves the Patterson, NY region. Call us today.

Insurance Coverage for Mechanical Upgrades Within Your Watercraft

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Mechanical upgrades can significantly enhance your watercraft’s performance, making your boat more powerful and easy to operate. Here are a few considerations regarding insurance coverage that should be addressed when dealing with mechanical modifications on your vessel.

Increased Coverage

With the addition of new mechanical parts, the potential for failures in your boat that could render it unsafe or inoperable increases. It’s vital to have all newly installed mechanical parts insured. This coverage ensures that in the unfortunate event of damage or theft, you’ll have ample protection to cover the replacement of these parts.

Account for Mechanical Parts

Consulting with the mechanic responsible for the upgrades is an important step in this process. They can provide a detailed list of all the new parts installed, which is invaluable when you need to update your current boat insurance policy to accommodate these changes.

Enhanced Security

Another key factor is the overall safety of your boat when out of operation. Investing in robust security equipment to protect your watercraft is in your best interest. Protecting your boat from exposure to the elements with a storage facility or a fitted cover can prevent potential interior and exterior damage.

Regular Inspections

Ensure your boat undergoes regular inspections. This can help identify any mechanical issues that need addressing, ensure the longevity of your boat’s components, and minimize the chances of replacing recently installed parts.

Final Considerations

Upon reviewing these mechanical upgrade considerations, you should be prepared to discuss the changes with an insurance agent. Reach out to one of our Kimberly J Brennan Agency representatives serving Patterson, NY. Our team, dedicated to understanding your unique needs, will prepare your boat’s updated insurance documents with attention to detail and professionalism.

Umbrella Insurance Coverage for Your Home and Land

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Protect Your Home and Land with Umbrella Insurance

Have you contemplated the probability of being sued due to an incident taking place on your property? If not, it might be time to shop for an umbrella insurance policy to satisfy your financial protection needs.

Coverage for Pet-Related Injuries

Dogs, livestock, or other pets may exhibit discomfort around unfamiliar faces, potentially leading to harm. If you have pets that could bite or scratch a visitor, it would be prudent to seek additional insurance coverage. An umbrella insurance policy can cover medical expenses and legal fees if your pet injures someone.

Slip and Fall Mishaps

A moist pool deck or deteriorating stairs could trigger a slip-and-fall accident at your property. Identifying potential hazard-prone areas in your home can help gauge the risk of injuries. If your home frequently hosts gatherings, adding umbrella insurance coverage to your existing homeowners’ policy might be beneficial.

Damage to Personal Property

Damage may occur to someone else’s property in your yard or home. An umbrella insurance policy caters to the necessary repair expenses and frees you from the anxiety around raising funds to address damage costs.

For a personalized assessment of your risk level and an appropriate umbrella insurance product recommendation, contact an agent from our New York team at Kimberly J Brennan Agency serving Patterson, NY. We’re here to ensure maximum protection for your home and land.

How Does Condo Insurance Cover Me?

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Like houses and rental units, insurance is available for condominiums as well. For condo owners, there are many options to protect their property. At the Kimberly J Brennan Agency, we strive to work with condo owners in Patterson, NY so that they get the insurance coverage that they deserve. 

What Does Condo Insurance Cover?

Homeowners association policies often cover a condo’s exterior, so you are responsible for the inside of your home. Condo insurance insures the interior of your condominium and your personal property and protects you from liabilities. This coverage includes: 

Interior Coverage

Protects the interior structure of your condo. This includes your walls, ceilings, and floors. It also includes any built-in appliances and fixtures.

Personal Property

Insures your personal belongings from theft or damage. This includes items like your furniture, clothing, and other possessions.

Loss of Use

In cases of covered loss events, like water damage or a fire, condo insurance will help you with unexpected costs like temporary accommodation costs or other expenses. 

It is important to note that some events like earthquakes are typically not covered. It’s important to review the specific details of your condo insurance policy, as coverage can vary between insurance providers. 

Do I need Condo Insurance?

Condo insurance is not a requirement in New York, but it is highly recommended for many reasons. Having this insurance would protect your personal belongings and ensure that anyone injured on your property has their medical expenses covered. Additionally, some condo or homeowner’s associations may include specific clauses that are required for membership.

If you live in Patterson, NY, contact the Kimberly J Brennan Agency to purchase condo insurance today. You don’t have to live without condo coverage anymore.

What Happens if I’m Injured in a Wreck?

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No New York resident can ever predict when an accident might occur. The more frequently you’re out there on the road, the greater your chances are of possibly becoming involved in a car accident, regardless of fault. If you’re driving and you’re involved in an accident that causes you to sustain injuries, you might have no idea what to do.

Here is what you should do if you’re injured in a wreck, so you’ll be prepared:

Pull Over to a Safe Place and Call 911

Whether you’re driving in Patterson, NY or somewhere else, if you’re ever involved in an accident, you need to pull over to safety and call 911. The police and an ambulance will arrive, and the ambulance will transport you and any injured passengers to the hospital. The police will also need to obtain a statement, but if your injuries are serious, the interview can be conducted at the hospital. 

Contact Your Insurance Agent

Once your injuries have been treated, you need to contact your insurance agency as soon as possible. You can file a claim, even if you were at fault for the accident or you’re not sure. Once the file has been processed and approved, you can receive coverage for any damages and medical bills. 

Call Today To Discuss Your Options

It can be scary to become involved in a car accident in which you’re injured. However, as long as you follow the steps outlined in this guide, you will hopefully be fine once you receive medical treatment. If you’re seeking a new car insurance agency, we at Kimberly J Brennan Agency are available. We provide auto insurance in addition to other types of insurance. We cover all of New York, including Patterson, NY. Give us a call today at Kimberly J Brennan Agency so we can provide you with a quote and get your policy started today. 

Does Home Insurance Cover Attached Structures?

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You may know that homeowner’s insurance typically covers houses or other designated dwellings. Still, our team at Kimberly J Brennan Agency Patterson serving New York and Patterson, NY knows that it can be confusing to figure out what structures are covered by a home insurance policy. Some homeowners may have attached structures on their property such as a garage, deck, or even an unattached shed that could cause one to doubt whether those structures are protected by the policy. 

Without training in the insurance industry, the average homeowner may have misconceptions about what insurance policies can cover. To make things more complicated, every home insurance policy has different terms that may exclude some aspects of the property from coverage. The only way to know for certain whether an attached structure or part of a property remains protected by an insurance policy is to speak with an agent at our office or read the terms of your policy. We’re always happy to answer questions like this when our clients call us on the phone or stop by our office. 

Does Home Insurance Cover Attached Structures?

If your house has an attached structure like a garage, deck, or in-laws suite, part of your home coverage may be able to cover that structure. If that structure is damaged through a qualifying event or belongings that qualify for coverage are stolen from that area, you may be able to get assistance with the cost of recovering from that incident through your insurance policy. Before you bank on your insurance company covering that structure, you should ask a qualified insurance professional at our agency to confirm and explain what’s covered.

To protect your home, call our team at Kimberly J Brennan Agency Patterson, serving Patterson, NY and New York.

Commercial Insurance Tips for a Family Business

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Whether you just opened a new family business in the greater Patterson, NY region or you have owned a family business for years, our team of qualified insurance professionals at Kimberly J Brennan Agency would be more than happy to serve your area and help navigate commercial insurance. From restaurants to stores, all kinds of family businesses could benefit from the appropriate commercial insurance plan.

Although every commercial insurance plan has different benefits, coverage, terms, and limits, it helps to have some general guidance on how to choose a commercial insurance plan that’s right for your family enterprise.

Know What Coverage You Need

If you want to get the right coverage for your family business, you have to have an idea of what type of policy would best fit your circumstances. While some family businesses may need workers’ compensation insurance if they have at least one employee including family members, others may benefit from having a commercial auto insurance policy that covers the family business vehicle. Even if you’re in the early planning stages of starting a commercial endeavor with your family, it’s never too early to look into different commercial insurance policies.

Follow the Laws

While a family business can be a fun bonding activity for your family, you need to take things like legal regulations in commerce seriously. From having the right amount of coverage to protecting your workers’ rights, you’ll need to ensure that you aren’t violating any regulations with your family business. If you aren’t sure what minimum coverage is required by law for businesses in our state, our team may be able to help you figure that out.

We Are Here To Help

To protect your family business, call us at Kimberly J Brennan Agency. We serve Patterson, NY and other cities in New York.

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