9/2/2008- Ten Least Expensive Vehicles to Insure

7/16/2008- Sample Rockland County Homeowners Insurance Quote

5/1/2008- Alternative Vehicles
4 dollars a gallon???? Its time to seriously consider other options. Introducing SMART CARS. Smart cars are 3 cylinder, 1 liter gas powered engine vehicles. They are licensed for road use and include airbags and antilock brakes. Visit Smart Cars Other emerging tiny electric vehicles include GEM ( Global Electric Motorcars ), ZAP ( Zero Air Pollution), NEV ( Neighborhood Electric Vehicles ), and LSV (Low speed vehicles). They are more environmentally friendly vehicles but don’t have safety equipment yet. While the electric type vehicles have been around for a few years, the SMART cars are just now being imported. Since these vehicles do not have VIN numbers, it will be a while before they are integrated into our standard registering and insuring process. A new body style (mini subcompact) will be established for these vehicles. The insurance rates for these vehicles will be volatile until companies can determine proper pricing based on loss experience.

4/2/2008- When during the home buying process should I purchase Homeowners Insurance?
We can place insurance as quickly as the day before closing. However, I recommend three weeks prior to the closing date. This gives the mortgage company sufficient time to review the policy. It also allows your Insurance company to preform their home inspections. The insurance inspections can be done AFTER closing, but it helps having the inspection results prior to closing day. This gives you further negotiation power with the seller should something arise during the insurance inspection.

3/25/2008- Vacant Houses
There is a major difference between a "vacant house" and an "unoccupied house." A vacant house is completely empty. An unoccupied home is furnished but without a current resident. Maybe the homeowner went on vacation for the summer. This home would be unoccupied for the time. Most insurance companies shy from covering vacant houses. Vacant homes have a high propensity for vandalism, and or squatters. If you have a vacant house that needs insurance, I do have a policy available through NY State. The coverages are limited and the state requires that the windows are boarded. If you are having trouble insuring a vacant house in Rockland County, and you are comfortable with this requirement, contact me for pricing.

3/20/2008- Car Seat Installation
Installing a car seat into your vehicle can be tricky. If you are unsure about proper installation, contact Sgt Brian Gorsky at the Clarkstown Police Station for an installation inspection. 845-708-9258 ext 4081

3/17/2008- Gold Hits $1000 per ounce. Look out for Burglaries
With the value of the dollar declining and oil prices increasing, investors are looking elsewhere. This has lead to the value of gold skyrocketing to almost $1000 per ounce. Historically, when the gold prices increase, the insurance industry sees increases in burglaries. Thieves break into homes specifically looking for gold knowing they can pawn it for record profits. It is important to know that homeowners insurance usually caps jewelry claims at $1000 per claim. If you have jewelry in excess of this amount, speak with your insurance agent or broker for additional options.

2/28/2008- Salvage a Totaled Vehicle
If your vehicle is totaled, (the repair cost exceeds the current value) your auto insurance company may subtract the "Salvage Value" of the car when paying the claim. You would need to contact a Rockland County Salvage Yard to see what they will offer for as a salvage value. Whats my car worth?

2/21/2008- Underground Oil Tanks
If you have an underground oil tank leak in Rockland County, you must immediately call the Spills Hot Line at 1-800-457-7362. Pay extra attention when purchasing a home with an underground oil tank. Spills are expensive to clean and create large liability issues for the homeowners. As oil tanks age they may rust and leak. When purchasing a home, have a qualified inspector evaluate the tank and soil around the tank. In Rockland County try Frank Libero.. After purchasing the house, monitor the grounds regularly for any unusual smells or dry spots. This could be the first sign of a spill. If you home is using more than a normal amount of oil, it may be leaking as well. In the long run, it will be less expensive to replace the underground tank prior to leakage with a new above ground tank. For more information, visit the environmental protection agency.

2/19/2008- Homeowners Insurance Claims, Fires on Closing Day
I heard an unusual story recently. It was closing date on a Nanuet home. A buyer and seller met at the attorney’s office to sign the paperwork and officially transfer ownership, but paid little attention to the sounds of the Nanuet Fire Truck sirens screeching by. The buyer and seller negotiated the details of the transaction, would the rose bush stay with the house or leave with the seller? The plasma screen TV mounted to the wall… is it staying or going? Typical real estate closing issues. After excrutiating hours, the deal closed and the buyers were gleaming with satisfaction of being a first time homeowner. They took the keys to check out their new home. When they arrived, they weren’t alone. Nanuet’s bravest were putting out a fire that completely destroyed their new house. Since homeowners insurance is required by most mortgage companies prior to closing, luckily they were covered. It must have been a record for quickest homeowners insurance claim ever filed. Sometimes people mention they don’t plan on actually moving in right away. They want to know if they can wait a few weeks before setting up their homeowners insurance. The answer is no.

2/15/2008- Lock in your Flood Insurance
Tis the season to purchase flood insurance. With Spring right around the corner, and April Showers approaching, its time to lock in your coverage. Unless a mortgage company requires flood insurance for the loan, there is a 30-day waiting period before the policy becomes effective. So purchasing the insurance now will ensure its availability for the rainy seasons. Flood Insurance is strictly regulated by the Federal Government. visit fema. Most people remember the massive rainstorms Westchester and Rockland County experienced last year. In 2006, Port Jervis of Rockland County became significantly flooded. Prepare yourself now and click here for flood insurance quotes.. If your home is damaged by a water loss, contact Brian Blotner of AMH Restoration. His company specializes is quick, hassle free water damage cleanups and he is located in Congers (10920) 845-268-5660.

2/13/2008- Rockland County Storm 08: A day in the life of an Insurance Agent
Rockland had its first significant storm of 2008. I spent the day advising clients how to proceed with weather related incidents. We had a client in West Haverstraw who had damage to his roof and interior of his house due to the weight of the snow. We are holding off on filing a claim on his homeowners insurance until we determine the amount of damage. Generally, you don’t want to file a claim until you know how much damage was caused. This was you can ensure you aren’t informing the insurance company about losses that are under the deductible. We also heard from a fairly new client in New City that was in an auto accident. She contacted us from the hospital to find out how to proceed with an auto insurance claim. I felt badly as she sounded rattled from the incident. We will need to set her up with a rental car, and coordinate any medical billing with the hospital. Hopefully she was just sent in for precautions.

2/8/2008- Insure your Valentine's Day Gifts
There is one very special person you should keep in mind this Valentine’s day. Your insurance Agent! You should discuss proper insurance for any jewelry or electronics that you purchase for your loved ones. Jewlery is a Valentine’s day specialty. Provide the receipt as well as any appraisals to your insurance broker. Consider taking pictures and saving them to a cyber inventory system Standard homeowners and renters insurance policies include coverage for jewelry and other valuable items such as furs. However, many policies limit the dollar amount of coverage for the theft, or loss due to a covered peril, of such items—the limit is usually $1,000. To properly insure jewelry and other expensive items, consider scheduling them as a floater to your existing homeowners insurance This can eliminate the deductible and extend coverages to an all risk basis. Including Misplacement. Prices for floaters and endorsements will vary depending on the type of jewelry and where the items are kept. In addition to jewelry, floaters are also available for furs, fine art, musical instruments and golf equipment. If you are looking for great deals on unique Valentines Day Gifts, try original designs jewelry. in new city

2/6/2008- Rockland County Point and Insurance Reduction Program
If you live in Rockland County and are looking to save money on your auto insurance. , consider taking a defensive driver course. You can receive 10 percent off collision and liability coverages (for 3 years) as well as up to 4 points off your driving record. In Rockland try All County Driving School at 39 South Main Street, New City NY 10956.

2/5/2008- Registering a Vehicle in New York
You will first need to set up valid auto insurance. Click here for Rockland County auto insurance quotes. Bring the auto insurance identification card, proof of identification indicating your date of birth, along with valid proof of ownership (vehicle title) to the department of motor vehicles. If the vehicle is 8 model years old or newer, make sure the seller completes the Odometer and Damage Disclosure Statements on the back of the title. Rockland County DMV is located at 50 Samsondale Plaza Rt. 9W W. Haverstraw, NY 10993. You can save time at the DMV by filling out Vehicle Registration Form. prior to arriving. If you begrudge going to The DMV, you can save time by registering your vehicle at a local DMV agency. Try Wendy’s Auto Express. 121 Main Street. Nanuet NY, 10954. 845-624-6100. For a service charge, they can save you time and aggravation.

1/31/2008- Bardonia Fires: Reasons for Renters Insurance
This past weekend, fires spread through a senior housing complex in Bardonia. Luckily, nobody was seriously injured. But many lost valuables. Some people think that if they dont own a home, they dont need insurance. But renters still have furniture, appliances, electronics and wardrobes at risk. Get free renters insurance quotes

1/12/2008- FOR SALE: 96 CAMARO Z28 (POMONA) $ 5,500
White Exterior/Black Interior 88,000 miles Automatic 8 Cylinder Rear Wheel Drive P/Windows, P/Steering, P/Seat (driver’s side only) T-Top Roof Black Leather Seating ABS Traction Control Ice-Cold AC CD player Cruise Control 2nd Owner (both female) 100% original Never in car accident Rear quarter panel hit by bicycle- rest of car in excellent condition Runs/Drives like brand new Please contact Kelly Askew @ 845-521-0541

1/11/2008- FOR SALE: 2004 INFINITI (NEW CITY)
LEASE BUYOUT $19,000. GREAT DEAL 55K MILES CALL KHEM (845)638-2907 OR EMAIL HOTG35@HOTMAIL.COM

1/8/2008- Should I buy insurance from a car rental company when I rent a vehicle?
Usually not. Your primary car insurance extends to cars that you borrow or rent. So dont feel pressured into buying additional coverage for high daily prices unless you are traveling abroad. (Coverages are limited to the U.S.) Keep in mind your insurance will only extend coverages that you currently have. So if you have LIABILITY ONLY on your car insurance, you should purchase comp and collision from the rental company. If you have FULL COVERAGE on your every day vehicle that should be adequate. Just remember to bring a current id card to the dealership. Also remember to pay your car insurance before going on vacation. Someone was once smart enough to waive the rental insurance but since she was away, she didnt get her insurance bill and her primary coverage cancelled for non-payment. Another reason why its good to have an agent that monitors your insurance regularly for any lapses and has alternatives ways to contact you if need be. Usually, the last person you want to here from while vacationing is your insurance agent but if she had her insurance with us, I'm sure she would have welcomed the call. For affordable coverage and reliable service, call Mike at 845-638-6200.

12/14/2007- Keep Distance Behind Snow Covered Vehicles
Rockland County had its first snow storm of the season yesterday. (Last year our first snow arrived in February!) This lead to our first snow related claim... A client called to mention while driving behind a snow covered truck, a piece of ice fell from the truck and smashed her windshield. "Am I Covered?" Yes,we set her up with FULL GLASS COVERAGE,as a part of her COMPREHENSIVE LIMITS, so there is no out of pocket expense. Plus we streamline all glass claims, so her window will probably be replaced at her jobsite before anyone even has a chance to read this. I would also suggest everyone remove ALL snow and ice from their vehicle before driving. You could be held liable for any damage resulting from ice falling from your car. Contact us for a competitively priced aut quote with reliable service. Michael Truiano- Licensed Insurance Agent- 845-638-6200 39 Maple Avenue- New City NY 10956

12/12/2007- Holiday Home Safety
It’s the most wonderful time of the year. It could also be the most dangerous. Some First time homeowners, excited about first time holiday decorating; fail to plan for holiday safety. There are an estimated 200 fires and 25 injuries resulting from Christmas tree fires each year. You can easily prevent most incidents---- Ensure that whichever room contains the Christmas tree also has a smoke detector--- While putting on the ornaments, it is also a good time to check the detector’s batteries.--- Do not place your tree near a heat source, including fireplaces or heat vents. The heat can ignite, and cause flames or sparks.--- Cut the bottom two inches of the tree for better water absorption. This will preserve the life of the tree.--- Remember nightly to check the tree for water.--- Never put Christmas tree branches or needles in a fireplace or wood-burning stove.--- Never burn wrapping paper in the fireplace. (Or any colored paper)--- Do not allow the tree to remain in the home long after it dries out.--- Inspect holiday lights each year for frayed wire, bare spots, gaps in the insulation, broken or cracked sockets, and excessive kinking or wear.--- In homes with toddlers or rebellious puppies do not hang flashy or glass ornaments towards the bottom of the tree.--- Only use UL-approved lighting. (Will be indicated on packaging)--- Keep indoor lights INDOORS--- Do not overload outlets. Connect strings of lights to an extension cord before plugging the cord into the outlet.---

12/8/2007- Welcome to 845-Insurance.com
Welcome to the launch of 845-Insurance.com, the source for all your Rockland County Insurance needs. Browse our site, and use our convenient quotes to request pricing for our insurance policies.