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Should I Transfer My Home To a Trust or To My Kids?
By Heidi Petschauer | June 6, 2013

Many individuals want to know whether they should transfer title to their homes to a trust or to their children. The short answer is “it depends” upon your objectives and comfort level, among other potential factors. For many individuals,...



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Planning For Hurricane Season
By Heidi Petschauer | June 4, 2013

Typically, hurricane season runs from May 15th to November 15th of any given year. Some of the lessons of SuperStorm Sandy are that you don’t have to be on the coast to suffer extensive damage to homes, commercial property and the loss of income as...



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How Much Insurance Do I Need?
By Heidi Petschauer | May 30, 2013

An interesting question and perhaps the most frequently asked when trying to determine the limit of insurance necessary to protect your property in case of loss. In insurance lingo, this concept is known as “insuring to value.” When trying to det...



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Under What Conditions Would You Cancel Your Personal Auto Insurance?
By Heidi Petschauer | May 28, 2013

Recently, one of our clients called to ask us if they could cancel their personal auto policy. The answer to this question is “yes” provided that they turn in their license plates to the motor vehicle department, obtain a receipt (an FS-6) and se...



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Does My Homeowner’s Policy Cover Earthquake Damage?
By Heidi Petschauer | May 20, 2013

Dear Sherri, I thought I felt my house shake the other day and the first thing I thought of was earthquake!!!!! Now, my question is, does my homeowner’s insurance policy cover my home for earthquake?– Shakin in Brookyn, Dear Shakin in Brookly...



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Do I Need Renter’s Insurance or Am I Covered By My Moms Homeowner’s Policy?
By Heidi Petschauer | May 13, 2013

Dear Sherri, My mom owns a two-family house. She lives on the first floor and I live on the second floor. If there were a fire or if there were a theft in my apartment, would my belongings be covered under my mom’s homeowner’s insurance policy? T...



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On Mother’s Day – A Time for Personal Reflection
By Heidi Petschauer | May 10, 2013

Another Mother’s Day is here and I find myself once again reflecting and feeling very lucky. First, I like to wish all moms out there a very Happy Mother’s Day. Secondly, I’d like to acknowledge that I have an amazing mom, Ingrid Petschauer. Sh...



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Does a Homeowner’s Policy Cover a Flood started by a leaking pipe?
By Heidi Petschauer | May 9, 2013

Q: Dear Sherri, A pipe im my upstairs bathroom wall is leaking and has flooded my first floor living room and kitchen. Do I have coverage on my homeowner’s policy or do I need a flood policy? A: Dear Swimming in Queens, Great question and one that ...



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7 Ways To Get The Most Out of Your Homeowners Insurance Dollars
By Heidi Petschauer | May 7, 2013

In 1968 I took out my first Homeowners & Auto policies. No way was I going to move any of those gorgeous engagement presents into a new apartment without making sure that they were protected from fire and theft. I found the service my agent provi...



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Ask Sherri – Professional Liability Insurance Policy
By Team Member | May 1, 2013

Our agent Sherri Cosentino shows you the risks of not having a Professional Liability Insurance Policy. Own a business in Queens, NY? Then you might want to take this insurance into consideration because a General Liability Policy might not be enough...



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