Amityville NY

Questions you should ask an agent before purchasing auto insurance

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Choosing auto insurance is one of the most important things if you own a car. However, it might not be easy because there are many insurance options. If you are currently shopping for car insurance, here are the questions you should ask an insurance agent to make the right choice. 

What Questions Should You Ask an Insurance Agent When Choosing Auto Insurance?

The purpose of any insurance agent is to help you find the perfect insurance option based on your budget and needs. However, it would be best if you asked them the right questions:

  • What does my insurance cover? It is essential to understand that different insurance companies have different insurance options. Ask an insurance agent about coverage options before buying any insurance plan. 
  • If my car is totaled, how much money will I receive? If you get involved in a car accident, you want to ensure you receive a fair claim check. For this reason, you should discuss in advance the amount you will be paid if your car is totaled. 
  • Who else besides me can drive my car? You should always ask an insurance agent who may or may not be considered a secondary driver on your auto insurance. This will help you avoid issues with your insurance and claims in the future. 

Acme Insurance Brokerage – Trustworthy Insurance Company Serving Amityville, NY

Are you searching for auto insurance in Amityville, NY, or any other nearby town in New York? Do not hesitate to contact Acme Insurance Brokerage – a local insurance company specializing in different types of insurance, including auto insurance. Our qualified and knowledgeable insurance agents will help you find an insurance plan to address your personal insurance needs and provide the coverage you deserve. Please do not hesitate to contact us to know more details. 

What Does Classic Car Insurance Cover?

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Do you have a classic, exotic, or modified car? If you do, you have reason to be concerned about what your insurance company would offer you if you totaled it. Acme Insurance Brokerage serving Amityville, NY can help you lock in a fair value for your car that makes replacement possible.

Insurance companies insure classic, exotic, and modified cars in three ways. Let’s start with the valuation method nearly everyone has on their classic car.

Actual Cash Value, or ACV

Actual cash value means saying "what your car was worth just before you crashed it." More precisely, ACV is what an adjuster thinks your car was worth before you crashed it.

If you disagree with the adjuster, you must present evidence to support your claim. This can be hard to do if you are recovering from injuries you sustained in a crash. If you can’t come to an agreement on the value of your car, you may have to go into mediation or take your insurance company to court. This can be a significant hassle.

Agreed Value

When actual cash value is the problem, the agreed value is the solution. If an agreed value is written up properly in your policy, there isn’t any wiggle room on the value of your car. But if you aren’t getting your coverage at Acme Insurance Brokerage in Amityville, NY, you may actually be getting the third valuation method with your policy.

Stated Value

When you get your classic car insurance online from one of the big companies, you will almost always get coverage for the stated value of your car. 

You might think that the agreed and stated values are the same, and you are covered either way. But many insurance companies include a clause in the policy that says, "In the event of theft or a total loss, we will pay the Stated Value or the Actual Cash Value, whichever is less."

In other words, you can state the value of your classic car, and the insurance company can ignore it.

Don’t try to get insurance for your classic car on your own. Let Acme Insurance Brokerage serving Amityville, NY help you find exactly the coverage you need.

My landlord has insurance. Why do I need renters insurance?

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As a tenant, knowing the need for renters insurance is important. Even though your landlord may have insurance, they are only responsible for protecting the property, not your personal possessions. If a fire destroys your belongings or you experience theft, your landlord’s policy will not cover those expenses.

Renters insurance from Acme Insurance Brokerage can cover your items, such as furniture, clothing, and appliances. It can also help protect you if someone is injured in your home in the Long Island or Amityville, NY area. Renters’ insurance policies generally offer liability coverage, which means that if an individual suffers a loss due to something on the property you are liable for, the policy can cover the damages.

It’s important to note that renters insurance does not typically cover floods or earthquakes, so tenants should assess their specific needs for coverage and purchase additional policies if necessary. Most of these policies are relatively affordable and often require a one-time payment or a small monthly fee.

In summary, even if your landlord has insurance, it’s essential to consider purchasing renters insurance. You’re responsible for protecting yourself and your possessions; this policy can provide the security you need. Contact an insurance provider today to learn more about available coverage and how to get started.

If you have questions or need help understanding your specific needs, contact your insurance provider at Acme Insurance Brokerage for more information. We can provide you with the proper protection and guidance and proudly serve the Long Island and Amityville, NY area. With renters insurance, you can rest assured that your personal belongings are covered in case of an unexpected event. Get started today to protect yourself and your possessions!

Four things that will help you when you buy motorcycle insurance

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There are requirements that every state has regarding motorcycle insurance. You need to buy motorcycle insurance if you own and drive a bike in New York. At Acme Insurance Brokerage, we sell motorcycle insurance policies and can help you with coverage.

Here are four things that will help you when you buy motorcycle insurance. 

Having a good record as a motorist

Insurance companies may be unwilling to sell insurance to bikers with poor driving records. If you have a good DMV record with few or no infractions, any insurance company out there will be happy to take you on as a customer. 

Putting time into exploring your options

Getting the best policy for the unique situation you’re in requires you to do some research. By spending time discovering motorcycle insurance options, you can be confident that you’ve chosen a policy that suits your situation. 

Being informed about the types of motorcycle insurance

There are a few different motorcycle insurance types that you’ll want to know about.

Most importantly, you need to know about liability insurance since it’s required by law in New York. You’ll also want to know about collision and comprehensive coverage.

There are a few additional types of coverage you might want to know about and purchase to be financially protected as a biker. 

Investing in safety technology for your bike

Safety features like anti-lock brakes, adaptive headlights, and automatic clutch and shift features can make your biker safer. These features can also qualify you for discounts on your motorcycle insurance policy.

Consider investing in installing such features to save on insurance over time. 

Are you ready to buy motorcycle insurance? Let us be your source of information on motorcycle insurance in Amityville, NY at Acme Insurance Brokerage. Get a quote from us today and explore our policy options. 

How Does Boat Size Affect Your Insurance Policy?

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Boaters in Amityville, NY are not legally required to obtain boat insurance, though many choose to do so for the protection it offers. In addition, a lender will generally require you to purchase indemnification while there is a balance on your watercraft. 

Boat size can affect your insurance policy, as it can affect the types of risk you may be subject to. A bigger boat may be one you can spend more time in at sea, increasing the possibility of being involved in a mishap. An accident may cost significantly more to fix damage to your boat and address issues you cause to another vessel. 

However, larger boats are more stable and less likely to lose control over them. Accidents can sometimes happen, though, with propellors that are not fully disengaged before guests go swimming, causing injury and medical expenses. Acme Insurance Brokerage agents are eager to discuss specifics with you in more detail. 

Electrical problems can occur when docked and hooked into a power source to run electronics, which can harm your property and people. A bigger boat can have various systems and components that need upkeep, such as the exhaust ports. These can become blocked, sending CO2 back into the main cabin, and sickening passengers and crew. 

Larger vessels are more difficult to operate successfully, and it’s necessary to have experience before embarking on this endeavor. Many insurers will want to know that you have the necessary knowledge to undertake this challenge. 

Let Us Help

Acme Insurance Brokerage takes great pride in serving the residents of Amityville, NY with their boat insurance needs. We can answer any questions and invite you to contact us by phone, stop in the office, or visit us online. 

Inventory issues to consider when selecting your commercial insurance policy

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Acme Insurance Brokerage is proud to work with the Amityville, NY area business community. If you have questions about our area’s commercial insurance policy options, we are here to help. Our team will work with you and help you find a policy that meets your company’s unique needs. 

Consider your inventory realities when selecting a commercial policy

If your company holds a sizable inventory, it should be a factor when choosing your commercial insurance policy. Inventory can fluctuate monthly, especially if your business is seasonal. It’s important to value your inventory properly when selecting your policy.

Taken as a whole, inventory can comprise a significant amount of your company’s overall balance sheet. This means that it is an investment that should be protected. It’s important to value your inventory investment at its highest levels. For example, if you own a business that caters to winter activities and secures your insurance policy in the summer, your inventory will likely be low.

Be sure to value your inventory at its highest level. This is true no matter when you obtain your policy. Inventory is a key part of running a business, and if your stock were to be destroyed in a covered event, you would want to have the proper level of protection. Inventory levels are just one part of the overall insurance selection process but an important one to consider.

We look forward to working together.

If you own or operate a business in Amityville, NY, or the surrounding area, you can turn to the team at Acme Insurance Brokerage for all of your commercial insurance needs. Contact us today to schedule a consultation.

Purchasing Your First Home? Everything You Need to Know About Purchasing Home Insurance

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Ready to purchase your first home? Congratulations! This is an exciting time. There are many things to consider as you make this huge life decision. One of the most critical things you should consider is purchasing home insurance. This blog post will give you everything you need to know about buying home insurance.

We’ve got you covered, from understanding what it is and why you need it to finding the right policy for your needs. So sit back, relax, and we will help you take one step closer to owning your dream home. Thank us later!

Why Should You Purchase Home Insurance?

Many people believe that home insurance is a waste of money. After all, why pay for something that you may never use? However, it can provide financial protection in case of a natural disaster or another catastrophic event. Your insurance policy can help cover repairs or replacement costs if your home is damaged or destroyed.

If an individual is injured or hurt in your home, your home insurance can also provide liability coverage. This is essential if you have guests in your home regularly. Finally, most mortgage lenders require borrowers to maintain active home insurance policies. As a result, failing to purchase home insurance could put your homeownership status at risk. For all of these reasons, it’s clear that home insurance is well worth the investment.

How to Purchase the Best Home Insurance for Your Needs

You’ve just signed the contract for your first home. Congratulations! But now it’s time to purchase home insurance. Where do you start? Below are three tips to help you:

1. Assess Your Needs

The first step is to assess your needs. How much coverage do you need? What type of home are you insuring? Is it a condo, a townhouse, or a single-family home? The answers to these questions will help you decide the best insurance policy for your needs. Once you know how much coverage you require, it’s time to start shopping around.

2. Shop Around for the Best Rates

Home insurance rates can significantly differ from one insurer to the next. That’s why it’s essential to check around and compare different rates before you settle on a policy. Use an online comparison tool to get quotes from a variety of insurers. This will help you find the most affordable option for your needs.

When comparing insurance rates, remember to pay attention to more than just the bottom line. It’s also important to consider the coverage limits, deductibles, and other factors impacting your overall costs. By considering all of these factors, you’ll be able to find the best value for your home insurance policy.

3. Read Online Reviews

It’s also a good idea to read customer reviews before you purchase a policy. This will give you an idea of the level of customer service you should expect from the insurer. Reviews are also a great way to learn about the claims process and how easy it is to file a claim.

Keep these tips in mind as you shop for home insurance. By taking the time to find the right policy, you can protect your home and your finances in the event of a covered loss.

Purchase The Right Home Insurance Today

Now that you know everything about purchasing home insurance, it’s time to start. Acme Insurance Brokerage in Amityville, NY can help. We offer a variety of home insurance policies to meet your needs. Contact us today for more information, and our team of experts will be happy to help you find the right policy for your home.

Driving Without Auto Insurance is Not Worth the Risk

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Why complicate your life? Driving without car insurance does just that. Every state except Virginia and New Hampshire requires insurance and proof of financial responsibility to drive on public roads or own a car. Driving uninsured is a crime. Contact Acme Insurance Brokerage in Amityville, NY, and allow them to explain further why it is foolhardy to risk a license suspension, hefty fine, or possibly jail time.

The penalties will vary from state to state but are consistently tough. You will probably lose your license, receive a costly ticket, have your vehicle impounded, or pay hundreds of dollars in potential fines. The penalties are tougher if you are in an accident or committing another violation, such as driving under the influence of drugs or alcohol or speeding.

It is even illegal to drive out of a dealership’s lot without an active insurance policy. You cannot be without it if your car is parked or driven on public property.

If you have a current policy, your insurer may grant a grace period of up to 30 days after the payment is due, allowing you to pay your premium and avoid a lapse in coverage. After the grace period is exhausted, allowing your coverage to lapse will lead to higher premiums in the future. Your car will still be covered during the grace period, however.

If you find you do not need to drive your vehicle for some time, it does not need to be insured if it is parked on private property or garaged.

It isn’t worth the risk and aggravation to drive unprotected. The consequences can fill your life with distress and worry. Contact the Acme Insurance Brokerage today, so that does not happen.

5 Mistakes to Avoid When Buying Classic Car Insurance

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You finally did it. After years of dreaming, you took the plunge and bought your classic car. Whether a mint-condition Mustang or a lovingly restored Chevy, your classic car is your pride and joy. But before you hit the open road, there’s one crucial step you need to take: Insuring your classic car properly. Classic car insurance is different from regular auto insurance, and there are a few mistakes to avoid. Here are five of the most common.

1. Not Shopping Around for the Best Policy

When insuring your classic car, don’t just go with the first policy you find. Like with regular auto insurance, there are various options out there, and you want to ensure you find the best one for your needs. Get quotes from multiple insurers and compare their coverage options and rates.

2. Not Getting Enough Coverage

Just because your car is old doesn’t mean it’s not valuable. Some classic cars can be worth hundreds of thousands of dollars. Ensure you get enough coverage to protect your investment in an accident or theft.

3. Not Reading the Policy Carefully

When buying insurance, it’s important to read the policy carefully to know what’s covered and what isn’t. Don’t just skim over the policy; take the time to read it thoroughly so you know exactly what you’re getting.

4. Omitting or Misrepresenting Information

When applying for classic car insurance, it’s essential to be honest about your car and driving habits. Omitting or misrepresenting information on your application can lead to problems if you have to make a claim later.

5. Thinking Your Normal Auto Insurance Policy Covers Classic Cars

Most standard auto insurance policies will not cover classic cars. If you want your classic car to be adequately protected, you need to get a separate policy that specifically covers them.

Get Classic Car Insurance in Amityville, NY

Classic car insurance is a must if you want to protect your classic car investment. Acme Insurance Brokerage offers excellent classic car insurance policies at affordable rates. Contact us today to get a quote.

Who Should Consider Renter’s Insurance?

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Renter’s insurance can cover your belongings and protects you from liability if someone is injured on your property. Renter’s insurance isn’t always required, but it’s still a great idea. At Acme Insurance Brokerage in Amityville, NY, we offer renter’s insurance. 

Types of Renter’s Insurance

Renter’s insurance typically consists of several types of coverage. These include personal property damage, personal liability, and loss of use. 

Personal Property Damage

Personal property damage will cover the worth of your belongings if they are damaged if your policy covers up to the coverage limit. 

Personal Liability 

You may be held financially responsible if a guest is injured on your property. Personal liability protects you from damages if someone is injured on your property. 

Loss of Use Coverage 

Loss of use coverage will cover your expenses if you temporarily move from your home. If your home is damaged or in need of repair, it’s already a stressful situation. Further financial strain can make the problem worse. 

Is Renter’s Insurance Required? 

Some landlords and building management firms require renter’s insurance. If your landlord doesn’t require it, you are not obligated to carry it. However, you should still consider a renter’s policy. 

Who Needs Renter’s Insurance? 

You need a renter’s policy if you can not afford to replace all your belongings. You can be sued for medical expenses if someone is injured on your property. If this would cause you financial hardship, you should also carry a renter’s policy. 

Lastly, you should consider a renter’s policy that includes loss of use coverage if you would struggle to pay for housing if you had to move temporarily. 

Renter’s Insurance at Acme Insurance Brokerage 

If you need renter’s insurance in Amityville, NY, contact us at Acme Insurance Brokerage. We will help you choose the right policy and coverage limits to protect you financially.