Liability Coverage in Homeowner’s Insurance

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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.

What are the benefits of getting an auto insurance policy?

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Driving a car is a very common task for those that are in the Amityville, NY area. When you are a car owner in this area of New York, it is important that you get a good auto insurance policy. There are several benefits that come when you get this type of insurance for your vehicle. 

Receive Coverage to Protect Vehicle

One of the advantages of getting an auto insurance policy is that it will protect your vehicle. When you buy a car, you are going to be making a big investment that you should always do your best to protect. The best way that you can do this is by getting an auto insurance policy. When you get a policy with comprehensive and collision coverage, you will receive protection for a variety of situations that could result in a loss.

Receive Liability Protection

Another advantage of getting an auto insurance policy is that you will receive liability protection. If you drive a car and cause an accident, it will be up to you to pay for the damages. Fortunately, you can offset this risk by getting a full auto insurance policy that includes liability coverage. Having this coverage is also a requirement if you want to drive on a public road. 

Ultimately, those that are in the Amityville, NY area will need to have auto insurance at all times. When you are looking for a policy that is ideal for your situation, it would be a good idea to call the Acme Insurance Brokerage. When you call the team at the Acme Insurance Brokerage, you can learn a lot more about how auto insurance can protect your vehicle. They can then work with you to build a policy that is ideal for your situation. 

What You Should Know About Classic Car Insurance?

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Classic car insurance is a nonstandard type of insurance that was created to meet the insurance needs of classic and vintage car collectors. Since it is a specialized type of coverage, there are certain things you need to know about it before you get one to cover your precious vehicle. 

Type of a Classic Car

A car can be qualified as a classic car if it falls under any of three categories: Edwardian (cars made in the period between January 1905 and December 1918), Veterans (cars made on or before December 1904),  and Limited (special interest, rare vehicles, or limited editions). 

Age 

Your car must be at least 15 years old to be considered a classic car. Some insurance companies provide classic car insurance to vehicles that are under 15 years of age if these cars are considered rare, exotic, or cherished. 

Storage Requirements

There are quite strict storage requirements for classic cars to be eligible for classic car insurance. A classic car should not be parked outside of your home. A classic or vintage vehicle should be kept in a highly secure garage or a special storage facility created for storing and securing car collections. 

Insuring a classic car is different from getting insurance for your regular automobile. Therefore, if you are a lucky classic car owner from Amityville, NY, you should take your time to find a perfect insurance plan for your precious possession. If you need assistance, Acme Insurance Brokerage serving Amityville, NY, and other surrounding areas is ready to help you. Give Acme Insurance Brokerage a call and talk to one of our experienced agents to get more information about insuring your special vehicle.

What is the benefit of getting renters insurance?

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When you are looking to move into a new home, renting your place could be a good idea. If you are going to rent a property in the Amityville, NY area, it is vital that you consider your insurance needs. Several benefits come when you get a renters policy before moving into your new home. 

Provides Liability Protection

One benefit that will come with a renters insurance policy is that it can provide you with valuable liability protection. If you are a renter in an apartment and have a guest over, you are going to take on some liability risk. If this person gets hurt while visiting you, there is a chance you could be found liable for damages. When you have renters insurance, you are going to receive coverage for this risk.

Protects Renter’s Personal Assets

Another benefit that comes with renters insurance is that it can protect your personal assets. Anyone that moves into a new apartment will likely bring with them furniture, kitchenware, clothing, and many other personal items. If you are a victim of a fire or theft, you could incur a significant loss. Fortunately, when you get a renters insurance policy, you will receive the coverage you need to replace these items.

It is always beneficial for someone in the Amityville, NY area to get a renters insurance policy. As you are shopping for a new policy, you could find that the process is confusing. Due to this, you should reach out to the Acme Insurance Brokerage when you are going to move into a new home. The insurance team at the Acme Insurance Brokerage will help you to understand all of your options better and needs to ensure you get into a policy that provides the right coverage. 

When to get commercial insurance for your company

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Owning a company is a dream that many people have. When you are looking to start a company, finding the right place to open up is significant. One great place to start a company is in Amityville, NY. While there is a lot of opportunity for those that open a company in the Amityville, NY area, it is still vital to mitigate business risks as much as possible. One great way to do this is with commercial insurance. There are several situations when you should get this insurance coverage for your company. 

When Purchasing Assets

One situation when you need to get commercial insurance for your company is when you are going to purchase significant assets. When you do purchase assets for your organization, keeping them adequately protected is essential. If you do have commercial insurance, you are going to have the means you need to repair or replace your capital items and other assets.

Prior to Making a Sale

Before you make a sale to a customer, you should have commercial insurance. No matter what you sell or produce, there is always going to be a risk of liability. To ensure that you and your company are adequately protected, you need to have commercial insurance. This way, if a customer is hurt when using your product, you will have liability protection.  

When you are looking for commercial insurance, Acme Insurance Brokerage is an excellent resource for anyone in the Amityville, NY area. When you call the Acme Insurance Brokerage, you are going to receive the personalized support that you need to choose a quality insurance policy. This will help to ensure that you learn about all of your options and can pick a policy that will properly protect you and the rest of your organization. 

Purchasing Beneficial Home Insurance in New York

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One of the most important financial investments that we make in life is our house. Our home is the place where we go to every day and night after work. It is the place that we raise our families in. Making sure that your home is exactly what you worked hard for takes time and dedication. Having home insurance that is beneficial to you is key to protecting and preserving your home. 

At Acme Insurance Brokerage, we strive to make sure that our clients’ expectations are always exceeded and satisfied. It is vital for homeowners to protect their investment in the most appropriate way with home insurance. We believe that with the proper assistance, owning a home will be an enjoyable experience that many people dream of their entire lives. Here are some things to keep in mind when you are shopping for your home insurance. 

Find the policy that is beneficial for you and protects your assets inside. With homeowners insurance, you should look for policies that have coverage in the case of weather damage, theft, and routine maintenance that you will need to do. Your home is where you sleep, which is where you should feel safe and secure at all times. When you have a family, it is also vital to make sure that in the worst-case scenario, if you were to pass away, that they will be well taken care of. 

Would you like to schedule a consultation meeting with one of our agents to discuss your home insurance options? Contact our office in Amityville, NY to speak with a member of our team. Acme Insurance Brokerage is proud to serve the state of New York with reliable home insurance protection.

What Do I Do If My Car Is Damaged While Sitting in a Parking Lot?

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When you go shopping and you leave your car in a parking lot, you run the risk of someone hitting it with a car door or cart. It may also be hit by another vehicle. If you come back to your vehicle and notice that it has been hit or damaged in any way there are certain steps you need to take in order to report your claim. The agents of Acme Insurance Brokerage serve residents who live in Amityville, NY and the surrounding communities. They can assist you in getting your car fixed and possibly finding the person who hit your vehicle and left the scene.

Notify the Police

If the damage is extensive, your first step should always be to notify the police and fill out a report. The police can get access to any videotape footage from surrounding stores to try and figure out what exactly happened. If they are able to identify the person driving the car, they may be charged with leaving the scene of an accident.

Document the Scene

The next step is to document the scene. This can be done in two ways. First, take notes and write down as much information as you can remember. Use your cellphone to take as many photographs as possible. Take them from all different angles so you have a good vantage point.

Call Your Insurance Agent

Call your insurance agent. The agents at Acme Insurance Brokerage can help you file and process your claim. If you live in Amityville, NY, call one of the agents to find out what you should do if you ever find your car damaged in a public parking lot.

How Classic Car Insurance Works

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When you own a vehicle, you must have insurance coverage to protect your investment and this includes classic cars. Whether you own a 2020 Camaro or a 1968 Mustang, you need to have coverage to protect your investment. Acme Insurance Brokerage has the tools to get you started with a policy in Long Island or Amityville, NY.

A Classic Car Policy

When it comes to classic car insurance, you need to obtain a more unique policy to insure your car versus the policy you would have for your non-classic vehicle. This holds true for not only classic cars but also for collectors and performance cars since the repairs could be more complicated, specialized, and expensive than when it comes to a newer vehicle.

Classic and collector cars tend to be more tempting for thieves or vandals due to their rarity and value which means the type of insurance you purchase to protect your car is even more important. Although repairs might be more expensive, the plus side for classic car owners is that the policy you obtain does not have to be more costly.

Vehicles that are considered classic cars include antique cars that are over 25 years old, exotic or luxury cars, hotrods and other modified vehicles, muscle cars, vintage military vehicles, and classic trucks.

When it comes to the replacement costs for your classic vehicle, there is a major difference from the replacement cost for your standard vehicle. If there is a loss of your vehicle due to theft or disaster, classic car insurance will pay you the agreed or guaranteed replacement cost while standard auto insurance policies will only pay out the depreciated value of your vehicle at the time of your loss, which is the actual cash value of the vehicle.

To obtain the classic car insurance that will be suitable for you and your situation, you need an agent you can trust. The classic car insurance agents at Acme Insurance Brokerage in Amityville, NY have the skills and knowledge to provide you with the best policy and can assist you today. Contact our office to get started with a quote.

Importance of Renters Insurance

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If your rental property is damaged in a fire, storm, or other disasters, your landlord’s dwelling insurance will help cover repair costs. Your landlord’s policy, however, won’t protect your possessions, which are equally at risk of suffering damage or loss in a catastrophe. Renters insurance from Acme Insurance Brokerage in Amityville, NY can protect your goods against unforeseen perils that can cause financial ruin. Here’s what you can expect from a renters insurance policy:

Property Coverage

Renters insurance protects your possessions from such dangers as fire, vandalism, theft, storm damage, and other catastrophes. If your rental home or apartment is destroyed by fire, you could lose everything you own. Renters insurance helps cover the cost of replacing your goods so you can recuperate your losses and carry on. Renter’s property coverage protects you while you travel as well by covering damage or loss of property on the road, at the airport, or when staying at a hotel on vacation.

Liability Coverage

If you receive visitors for holidays or dinner parties, there’s always the risk of someone having an accident on your property. A simple slip and fall could result in a broken bone or stitches at the local hospital. Liability coverage pays for the medical expenses of visitors who have accidents on your property, so these costs don’t have to come out-of-pocket. If a visitor decides to sue you for damages, liability insurance helps pay for your legal fees, up to the limits of your policy.

Additional Living Expenses

A major disaster could force you out of your rental home until repairs are made. Additional living expenses coverage compensates you for such basics as food, hotel bills, transportation, etc., until you can return home again.

For more information about renters insurance coverage and costs, call or visit Acme Insurance Brokerage in Amityville, NY.

Why should I get motorcycle insurance in New York?

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For people that are in the Amityville, NY area, buying a motorcycle can be an excellent investment. When you have a motorcycle, you will have an efficient way to get around town and can also enjoy the fantastic weather that occurs during the year. However, if you are going to buy a motorcycle, you also need to ensure that you have it covered with a good motorcycle insurance policy. There are several reasons why someone should have motorcycle insurance in New York.

Ensure You Comply with the Law

One reason why you need to have motorcycle insurance when you are in New York is that it will make sure that you comply with the law. The state requires that all motorcycle owners carry insurance at all times. If these lapse, you could violate state laws and could face a variety of penalties, including the loss of all driving privileges.

Protects the Investment

When you buy a motorcycle, you are also making a significant investment and purchase. The best way to ensure that this is adequately protected is by getting motorcycle insurance. When you have a motorcycle, you are going to get coverage against many situations that could cause a loss for you in the future, including vandalism or theft. 

Those that want to own a motorcycle in the Amityville, NY area need to have the right insurance coverage in place. One of the best ways that someone can do this is by contacting the team at Acme Insurance Brokerage. When you speak with the professionals at Acme Insurance Brokerage, you will learn a lot more about all of the insurance options that you have. This will make it a lot easier to pick a solid policy for your situation.