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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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Does my flood policy cover my personal property in the basement?
By Heidi Petschauer | April 25, 2013

First, congratulations for making the wise decision to have a flood policy. Second, most flood policies have only limited contents coverage in the basement. Flood policies usually only cover items meant for a basement. Now-a-days we have everything f...



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Is Workers Compensation required for family member employees?
By Heidi Petschauer | April 24, 2013

What type of insurance is required by state law for employers who have any employees? Workers Compensation. Failure to maintain this policy in full force and effect at all times can result in large fines, in the thousands of dollars, imposed by the s...



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Does My Landlords Policy Cover Fire Damages to my Personal Possessions?
By Heidi Petschauer | April 11, 2013

Since I rent an apartment, would my landlord’s policy cover any fire damage to my personal possessions? No. Your landlord’s policy covers the actual building itself; the walls, roof, wiring, plumbing, etc. It does not cover your personal ...



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Does a Renter’s Policy Cover An Engagement Ring?
By Heidi Petschauer | April 11, 2013

Would My Renter’s Policy Cover My Engagement Ring? No. While some Homeowner’s policies cover jewelry; up to a specific limit, engagement rings should be scheduled on a separate Inland Marine Policy or added as a Floater to your existing H...



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Does a Homeowner’s Policy Cover Any In-Home Businesses?
By Heidi Petschauer | March 28, 2013

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 nee...



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Does a Homeowner’s Policy Cover Flood Damage?
By Heidi Petschauer | March 27, 2013

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 co...



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Will My Premium Increase If I Submit A Claim?
By Heidi Petschauer | March 27, 2013

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?
By Heidi Petschauer | March 12, 2013

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...



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