Property and Casualty Insurance

Home/Property Insurance

Homeowner’s insurance is a form of property insurance that covers losses and damages to an individual’s house and to assets in the home. Homeowner’s insurance also provides liability coverage against accidents in the home or on the property.
Perils covered by property insurance include damage caused by fire, smoke, wind, hail, the weight of ice and snow, lightning, theft and more. Property insurance also provides liability coverage in case someone other than the property owner or renter is injured while on the property, and decides to sue.
Property insurance policies normally do not cover water damage caused by floods, tsunamis, drain backups, sewer backups, groundwater seepage, standing water and many other water sources. They also may not cover mold, earthquakes, nuclear events or acts of war, such as terrorism and insurrections.

Auto Insurance

An auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.
Auto insurance premiums or the amount policyholders pay to stay insured, vary depending on: age, gender, years of driving experience, accident and moving violation history, and other factors. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to further protect themselves.
A poor driving record or the desire for the complete coverage will lead to higher premiums. However, you can reduce your premiums by agreeing to take on more risk, which means increasing your deductible.

Business Owner's Policy/Workman's Comp

Business Owner’s Policy – 
A business owner’s policy also known as a BOP is a special type of commercial insurance designed for small and medium-sized businessesBy bundling general liability insurance and property insurance into a single policy, BOPs typically offer a reduced premium, often making them a more cost-effective option than separately purchased policies.
Workman’s Comp – 
Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence.

RV/ATV Insurance

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by classes: Class A, B and C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time and other factors.RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes.RV insurance protects you, as a recreational vehicle owner, from excessive out of pocket costs in the event of a loss or if you are at fault in an accident that causes bodily injury or property damage. It can also provide compensation for your costs if you have a roadside breakdown.

ATV insurance works similarly to auto insurance. Because ATVs can be risky – for the riders, passengers and those around them – your ATV insurance is designed to help cover the costs associated with a mishap or incident, as well as theft. ATV insurance helps you recover financially so that the cost of repairs, injuries and even lawsuits do not end up costing you more than you can manage out of pocket. Unlike auto insurance, not all states require that you carry insurance on your ATV. However, many states do require some coverage if you are using your ATV on public land, in state parks or in public parks. Additionally, you may be required to purchase certain coverage if you are financing your all-terrain vehicle.

Be sure to check if the state where you live and the locations where you plan to use your vehicle require ATV insurance. Be aware that if you are uninsured and get into an accident, you may be liable for all damages and/or injuries incurred. So while ATV insurance is often not required, it can be a wise investment.

What To Bring To Your Property and Casualty Appointment

Current Driver’s License
Vehicle VIN
Current DEC pages