Does a Homeowner’s Policy Cover Any In-Home Businesses?

Q: Will my Homeowner’s policy cover any In-Home businesses such as selling cosmetics, candles, jewelry, kitchen products, or services? A: No. All Homeowner’s Policies specifically exclude such business pursuits now matter how small. You would need to either purchase a Business Owner’s Policy or have a specific In-Home Business endorsement added to your existing Homeowner’s…
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Does a Homeowner’s Policy Cover Flood Damage?

Q: Does a Homeowner's Policy Cover Flood Damage? A: No. Flood is specifically excluded from most policies. Flood coverage must be purchased under a separate Flood policy. However, water damage from a burst pipe in your wall or ceiling is NOT considered flood and therefore, would be covered under your existing Homeowner's policy.
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Will My Premium Increase If I Submit A Claim?

Q: If I submit a claim, my premium is going to increase. True or False? A: False. One claim is not going to automatically increase your premium. Insurance companies are more concerned with a FREQUENT number of claim, rather than one claim.
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What Does an Insurance Deductible Mean?

Q: What is the name of the part of the claim paid by me when I have a loss? A: Deductible. Deductibles are usually $500, $1,000, $2,500, $5,000, $10,000 or higher. The higher your deductible, the lower your insurance premium. Remember, the deductible is that portion of the claim that you are willing to pay…
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Pets Alive Westchester’s Shoe Recycling Program

With Ground Hog’s Day having just passed, and St. Patrick’s Day ahead, can Spring be far off? Even if Spring is not on the immediate horizon, we do have long winter days when there is nothing more satisfying then cleaning out a closet and getting rid of things we no longer use. One of my…
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Excellence in customer service and it’s a one stop shop for all my insurance needs.
Tom Haines
Spence-Chapin has had the pleasure of working with the wonderful John Petschauer, Inc. for 15+ years. They have always provided excellent service to us–with great knowledge, expertise, and patience — even in the most challenging situations. There has not been one time when they have not been immediately accessible to us, even at a moment’s notice. We thank them for their work and celebrate their 60th anniversary, while looking forward to working with them for another 60 years and beyond!
Spence-Chapin
My company has called on Petschauer Insurance for many years for its insurance needs: liability, liquor, auto, etc. Working with Erwin and his team has been a pleasure from beginning to present. They are quick to answer any question and provide sound advice. I have always felt that my and our needs are important to them, in theory and practice. They go the extra mile, and we continue to be well served.
Stephen Kennard from Canard Inc.
I have had the pleasure of working with various members of the Petschauer Team, both personally and professionally for 20+ years. And I couldn’t have done it without them. They go above and beyond. Heidi, Narima, Sherri and LuAnn don’t just bring to us the products they offer, they help me to understand the specifics and evaluate what makes the most sense for me, my family and my employees. I always feel I have a better understanding of an industry I have no understanding of so that I can evaluate the offerings in a smart way, cost effective way. They are proactive with renewals, allowing us the time to do our due diligence, evaluate our plans to be sure we’re properly covered and are always there to listen and help with special circumstances. Their kindness, caring and willingness to lend an ear when needed, really makes them stand apart from the rest. Heidi and her family have built a beautiful culture at Petschauer and I highly recommend them to anyone I meet.
Jamie Stedman-Novo
I have worked with various individuals at Petschauer and have found each to be responsive, courteous, and thoughtful. Each year, the contact for my auto policy proactively seeks new bids and has consistently saved me money on my policy.
Ryan Huber
I have been with Petschauer Insurance for a long time. My account executive Lori Halloran is like family to me: she is always there when I need her and is very knowledgeable and understanding. I wouldn’t go anywhere else for my insurance needs.
Vincent Falcone
From the first time I spoke with Lori Halloran at Petschauer Insurance, I knew she was a special person. She is a woman that conducts herself professionally, with compassion and full knowledge of all types of insurance Petschauer has to offer. While speaking with her, as she explained and answered all of my questions, I felt like I was speaking with family…which is another way to describe this company. She has a way of making very confusing decisions so simple and easy to understand. I even added another insurance policy to my two renewal policies because of her. My last renewals could have been processed via mail but I really wanted to take the time to drive and meet this wonderful woman face to face. She greeted me with this huge beautiful smile, which matched her personality perfectly. So, I just had to go back another time just to say “Hi” and bring her flowers in appreciation for all her help and also celebrate a new friendship. The Petschauer “Family” has been there for me since my first policy when I was 19 years old, and now I’m a “senior”. I’ve been with them forever and don’t plan on going anywhere else. Thank you Lori for your dedication and to the rest of the Petschauer staff.
Jane Deitlein
My family and I are long time personal and business clients of Petschauer Insurance. We sincerely appreciate your responsiveness and the quality of service that Petschauer provides. We have recommended your company to others because of our satisfaction with your service. We look forward to doing business with you for years to come.
Greg Weiss
Petschauer is great. I never had a problem.  They always call me back. Fabulous employees who are always willing to help.
Marty Bruno
I have been with Petschauer Insurance for over twenty five years. The staff is knowledgeable and professional. Petschauer writes both my personal and commercial insurance and they provide excellent counseling. I truly trust the firm and their staff. Thank you.
Mike Matonti