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5 Tips to Winterize Your Car

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When the weather drops to freezing temperatures, it is crucial to winterize your vehicle to ensure that you minimize the risk of anything wrong happening. When you need assistance with any of your insurance needs, contact Bryan Insurance Agency, LLC with your questions.

1. Consider Snow Tires

Although snow tires are an additional expense, they can create more stable and safe driving conditions. Since snow tires can lead to decreased MPG, you should only put on snow tires during the harshest winter months.

2. Check Your Fluids

Whether it be your oil, antifreeze, or windshield washer fluid, all levels must be completely topped off. While this should already be a component of the routine maintenance done on your vehicle, it is even more important in the winter when car problems can mean getting stranded.

3. Flush the Heater

To prepare for the colder weather, take your car to a trusted mechanic in New Windsor, NY to have the heater flushed, which refers to the cleaning of the heater core tubes. Flushing the heater allows it to operate more efficiently and provide hotter air sooner on cold days. 

4. Pack an Emergency Kit

If there is even the smallest chance that you will be stranded, you’ll want to be prepared. Leave a survival bag in your vehicle that includes items like first aid supplies, a charger for your phone, flashlights, blankets, and snacks for an overnight on the highway.

5. Check Your Tire Tread

If you are not planning to put winter tires on your car, then make sure that the tires have plenty of tread on them because this helps ensure stability and traction on icy roads.

When it comes to your auto needs, don’t trust your insurance with just anyone. Visit Bryan Insurance Agency, LLC serving New Windsor, NY, and let us help you.

3 Reasons Why Commercial Insurance Is So Important

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When you have a business, you have to make sure that you protect it. The best way to accomplish this is with commercial insurance. At Bryan Insurance Agency, LLC in New Windsor, NY, we’re here to help you understand why you need a good policy.

Secure Your Property

You may have a number of components regarding your business. This includes a business location, inventory, and more. With the right commercial insurance policy, you can secure your property effectively. It ensures that if you have any issue within your business, whether it’s a break-in, a fire, or something else, your property is protected.

Avoid Expensive Lawsuits

A commercial policy will provide you with liability coverage. This makes it easy to avoid expensive lawsuits in the event that your employees damage property or someone gets injured on your property. You can file a claim and let the insurance company take care of the details as opposed to potentially bankrupting you because of one accident.

Keep your Business Going

Ultimately, you need to make sure that you keep your business going. Since there’s no way to know what can happen, a commercial policy allows you to plan for the unexpected. A variety of different types of insurance can be added to your policy so that it is comprehensive. This includes business interruption insurance that provides you with the necessary revenue if you need to close your doors due to unforeseen circumstances.

Every business is different and, therefore, every policy needs to be different. What you add to your business policy is of the utmost importance.

Secure your business more effectively by contacting us at Bryan Insurance Agency, LLC in New Windsor, NY. One of our insurance agents can customize a policy and get you the quotes that you need. It will ensure that you are protected all year long.

 

Is there a difference between homeowners insurance and condominium insurance?

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Anyone living in New York, and the surrounding areas, knows that having a stand-alone single-family home is very desirable. However, the average cost of a home in more popular parts of New York can be very expensive. The median price of a home is $726,000. That means you probably have to be a millionaire to own a home in most parts of New York City.

The average rent is $2,995 per month for an apartment that is around 716 square feet in the city. If those prices seem high, you can always go across the water to Manhattan where the prices double, triple, and maybe quadruple for the same thing.

For those who are not able to afford a single-family home, many homeowners have a condominium or own an apartment in a cooperative building. The agents at Bryan Insurance Agency, LLC in New Windsor, NY focus on helping clients throughout the state.

Home Insurance versus Condo Insurance

The goal of having insurance for your home or condo is the same. You want to protect it against the risk of financial loss due to damage to the structure and also have sufficient insurance to protect the contents, which are called “personal property.”

The main difference between home insurance and condominium/apartment insurance is that condos have what are called "common areas," such as hallways, elevators and the lobby. Also, a condo may share walls, ceilings, and floors with other condominiums or parts of the building. If someone has an accidental kitchen fire in the condo below yours and it burns upward to damage your place too; who is responsible? This is the kind of problem that should concern you.

Analysis of Your Home or Condo Insurance for ‘Gaps’

The key to understanding your insurance coverage for a condo is to carefully analyze the insurance that the building or condominium association maintains for the common areas. You need to understand what your insurance covers and what is covered by the building’s insurance. Then, look for “gaps” in insurance coverage. Gaps are where something bad can happen that is not sufficiently covered by any insurance.

Get Your Insurance Agent to Help

Luckily, you do not have to do this alone. If you are considering buying a new home or condominium in New York, work with your agent at Bryan Insurance Agency, LLC to get a quote. For condos, get a copy of the insurance that covers the building and common areas to give to your agent.

If you already have home or condo insurance, get a complimentary insurance review so that your agent can explain any gaps in insurance coverage, which you may not even be aware that exist. For a home or a condo, you need to make sure all your personal property is covered as well.

Give us a call or visit our office in New Windsor, NY, so we can help you to be sure there is adequate insurance coverage to protect you.