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Bryan Insurance Agency, LLC

287 Windsor Hwy, Suite 350
New Windsor, NY 12553

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Should i get home insurance for my New York property?

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Owning a home can be a good idea for those in the New Windsor, NY area. When you are looking to buy a property in this part of New York, getting insurance for it is a top priority. There are various reasons that the typical property owner in this part of the state will want to have a home insurance plan. 

Meet Obligations

A reason to always have a home insurance plan here is so you can meet obligations. Most people buying a property in this part of New York will take out a mortgage. Others may even live within a home association that has additional rules to abide by. In either situation, you will likely have specific home insurance requirements that must always be met. 

Financial Protection and Support

Home insurance is also a good idea because it offers excellent financial protection and support. If you are going to buy a home, you will be making a significant long-term purchase that you will want to provide financial advantages. If you can purchase a new home insurance plan, you will receive various forms of financial protection. 

Getting home insurance when buying a property in the New Windsor, NY area is always beneficial. When you are looking for coverage here, calling our professionals with Bryan Insurance Agency LLC can be helpful. We know that there are a lot of questions to be answered and decisions to be made when looking for home insurance. Because of this, our team with Bryan Insurance Agency LLC is an excellent resource as they can offer customized advice and answer any questions you have. 

How to Handle an Accident with Your Auto Insurance Provider

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Being involved in an auto accident can be a stressful and overwhelming experience. However, knowing how to handle the situation with your auto insurance company in New Windsor, NY can make the process smoother and less stressful. Here are some steps to take when managing an accident with Bryan Insurance Agency LLC:

Stay Calm

It is vital to remain calm and composed after an accident. Check yourself and any passengers for injuries and call for emergency services if needed.

Document the Accident

Please take photos of the accident scene, including the vehicle damage, and gather information from the other driver, such as their name, contact information, and insurance details.

Contact The Insurance Company

Contact your auto insurance company immediately to report the accident and no longer than 30 days. Provide the necessary details, such as the location, date, and time of the accident and the other driver’s information.

Follow Your Insurance Company’s Procedures

Your insurance company may have specific procedures that you need to follow after an accident. Be sure to follow these instructions to ensure that your claim is processed quickly and efficiently.

Provide Accurate Information

Provide accurate information about the accident to your insurance company. Be honest about any injuries or damages that occurred, as providing false information can lead to a denial of your claim.

Work with Your Insurance Company

Your insurance company will work with you to assess the damage to your vehicle and determine the appropriate course of action. This may include repairing or replacing your vehicle or settling any claims made against you.

Keep Records

Record all correspondence with your insurance company, including emails, phone calls, and letters. This will help you keep track of the progress of your claim and ensure that all necessary steps are taken.

In conclusion, handling an accident in New Windsor, NY with your auto insurance company requires you to stay calm, document the accident, contact your insurance company, follow their procedures, provide accurate information, and keep records. By following these steps, you can ensure that your claim is processed quickly and efficiently by Bryan Insurance Agency LLC, and that you can get back on the road as soon as possible.

Can Someone Dispute Life Insurance Beneficiaries and How to Avoid That From Happening to You?

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Priscilla Presley recently made headlines when it was announced that she was contesting her daughter, Lisa Marie Presley’s, life insurance beneficiary and the trust set up for her grandchild’s inheritance. This has left many people wondering if someone can dispute life insurance beneficiaries and how you can work to prevent that from happening to your loved ones once you pass. Read on as Bryan Insurance Agency LLC, helping New Windsor, NY residents with their life insurance needs, helps to answer this question. 

Can Someone Dispute Life Insurance Beneficiaries?

While it is rare, family members can dispute life insurance beneficiaries. This most commonly happens when someone listed as a beneficiary has passed away, if a new child was not added to the life insurance policy, or if an ex-spouse is still listed as a beneficiary. 

How Can You Minimize the Chances of Disputing Your Life Insurance Beneficiaries? 

The best way to minimize the chances of anyone disputing your life insurance beneficiaries is to ensure you keep your beneficiaries up to date. As a general rule of thumb, you should review your beneficiary information every year. If your life has changed and you wish to add or remove beneficiaries, always obtain a notarized document stating your wishes. Additionally, prepare a will that aligns with the life insurance policy so there are no doubts about your final wishes. 

A life insurance policy can help provide your loved ones with money to pay for your final expenses once you pass away. Here at Bryan Insurance Agency LLC, serving the greater New Windsor, NY region, our team would love to help you determine how much life insurance you need and help ensure that no one can dispute or contest your beneficiaries. Contact us today to schedule an appointment with one of our insurance agents. 

Why you need Auto Insurance In New Windsor, NY

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Is it about that time of the year when your insurance coverage needs to be reviewed? Did you recently relocate to New Windsor, NY, and are you looking for an insurance agency to cover your vehicle? Consider placing your trust in Bryan Insurance Agency LLC, serving New Windsor, NY, for protection from costs that may come with unexpected accidents or the loss of your car.

Auto insurance is a necessity for everyone in possession of a vehicle. Depending on the policy, it is a requirement that you renew it every 6 to 12 months.

However, we cannot be oblivious to unplanned circumstances that may need you to visit your insurer more than when you are renewing your policy. Some of these are what we will help you prepare for:

  • In case of an accident, auto insurance provides security for possible damage to your vehicle. It should cover any damage caused to your or the other party’s car after a collision.
  • Paying off an automotive loan. In the event of the loss of your car that was acquired on credit, auto insurance will assist in paying off the outstanding balance to the dealership or the lender.
  • Injuries caused by an accident. Alongside your health coverage, the auto coverage will contribute to the recovery of you, the owner, or another party that got injured.
  • Loss of property in case of theft or complete damage to the vehicle. The insurance will cover any investment that may be in the car at the time of loss or damage.

Are you a New Windsor, NY resident? If you have just bought or are considering purchasing an automobile and are looking for a partner to walk you through your investment insurance, call or visit us today at Bryan Insurance Agency LLC. At Bryan Insurance Agency LLC, we will offer consultation and information. We are glad to protect you from the financial issues that may come in the event of the loss or destruction of your car.

Does My Home Insurance Provide New Home Replacement?

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When you purchase a home in New Windsor, NY, it’s essential to understand how your homeowner’s insurance coverage works. One of the most critical questions is whether your policy covers new home replacements.

What is "New Home Replacement?"

New home replacement is a type of coverage that ensures that if your current home were destroyed because of a covered event—such as a fire or tornado—your insurance company would pay for the rebuilding costs up to the policy’s limits. If your house was destroyed and you had to start from scratch, new home replacement coverage would help you rebuild your home from the ground up without having to pay out-of-pocket.

What Does My Policy Cover?

Your specific policy will vary depending on the provider. Still, new home replacement policies cover the cost of building materials, labor costs associated with construction, architectural fees and permits, debris removal costs, and any additional expenses related to rebuilding your home. It may also include other living expenses, such as hotel bills, if you are forced out of your home while repairs are being made. However, it is essential to note that this type of coverage rarely includes any upgrades or improvements you may have planned for your new home. To learn more about your policy, speak with a Bryan Insurance Agency LLC representative.

Does Everyone Have This Coverage?

No, this coverage is typically only available if you purchase a separate policy rider specifically designed for new home replacement coverage. However, many homeowners in New Windsor are eligible for this type of coverage through their existing policies. It is always a good idea to speak with an experienced insurance agent.

Are you ready to add more protection to your home? Contact Bryan Insurance Agency LLC today for more information about what options are available in New Windsor, NY.

How Life Insurance Can Provide Security for Your Small Business

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While it may not be the first thing on your mind when you start a small business in New Windsor, NY, protecting your professional investment in the event of your untimely death should be a top priority. Life insurance can ensure your business can continue operating if something happens to you. Here’s what you need to know about how life insurance from Bryan Insurance Agency LLC can provide security for your small business.

You are providing a financial buffer while your business adjusts to your absence.

Suppose you list your business as a beneficiary on your life insurance policy. In that case, the death benefit will be paid to your company if you die. As the business owner, your life insurance policy can also reduce the tax your company will pay on the death of a founder or key individual. This financial compensation can help keep your business afloat after you die.

You are preparing your business for succession.

A life insurance policy for a business owner can help keep the business running in the event of the owner’s death. The beneficiary can use the death benefit to pay off debts, support the family, or keep the business running—whatever the policyholder wishes. This can be a crucial financial lifeline for a company during the transition.

On choosing a business life insurance policy.

A key person life insurance policy is a life insurance policy that a business takes out on its most valuable employee or employees. On the other hand, a cross-purchase agreement is an agreement between business owners to collectively purchase the interest of any owner upon death. Both contracts have advantages and disadvantages, and carefully consider which is right for your business.

Bryan Insurance Agency LLC is a life insurance company based in New Windsor, NY. We offer a variety of life insurance products to meet your needs. Contact us today to learn more about our products and services.

Why commercial insurance is so important for small business owners

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Bryan Insurance Agency LLC is here to assist the greater New Windsor, NY business community with its insurance needs. If you own a small local business, you can rely on us for help with all of your insurance needs. Contact our office today to learn more.  

The importance of adequate commercial insurance for small business owners

Commercial insurance is very important, especially for small business owners. Many small business owners start their companies with their own funds. This means that their financial health, along with that of their families, is often tied very closely to the success of their companies.

Without appropriate commercial insurance, any type of damage or loss can be catastrophic for small business owners. Comprehensive commercial insurance can help a business recover from damage related to covered events like fire, theft, and machinery malfunction. While every policy is different and can provide a varying level of protection for damages, having the right coverage in place is essential.

Small businesses can also often run on slimmer profit margins, making any disruption to cash flow more impactful for them. If you are a small business owner, now is a perfect time to thoroughly review your commercial policy to ensure that it provides the necessary coverage for your company. Owning and operating a successful business takes time, energy, and effort, all needing adequate protection. 

Find out more today!

Small business owners in the greater New Windsor, NY area can turn to the team at Bryan Insurance Agency LLC for help with their commercial insurance needs. If you have questions about insurance for your business, we are here to help. Give us a call or stop by today.

We look forward to working with you!

What every new homeowners should know about home insurance

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It would be wonderful if new homeowners got a crash course in home insurance, but that doesn’t happen. You are responsible for educating yourself about the things you need to know about home insurance. You do have choices, and there are exclusions. We at Bryan Insurance Agency LLC in New Windsor, NY have the answers you may need about your home coverage. We will discuss your coverage with you to make sure you understand it well. 

Liability coverage is not one size fits all.

Liability coverage is critical to your financial security, and ensuring you have enough is vital. If you don’t have a lot of assets, then you don’t need as much as someone with a lot of assets. 

You can choose what type of content coverage you have

Content coverage comes in two types. You can select the current value of your possessions, which takes depreciation into account, or you can opt for replacement costs. It depends on what your attitude is toward your possessions. 

Your policy has exclusions.

Not every hazard is included under your home insurance coverage. Exclusions include:

  • Floods
  • Earth Movement
  • Sewer backup
  • Owner Neglect
  • Pest infestation
  • Mold
  • Some dogs

Some coverage has limits

Jewelry, in particular, has a limit. You should consider getting additional coverage if you have any valuable jewelry pieces. 

You can add riders to your policy.

A rider is an additional or extension of coverage you already have. You should consider adding riders if you have jewelry, art, antiques, and expensive electronics.

You may be eligible for discounts.

Talk to your insurance agent about any discounts you may be eligible for, including a multiple policy discount, how close you live to the fire department, and the smoke detectors and home security you may have installed. 

Contact Bryan Insurance Agency LLC in New Windsor, NY to discuss your home insurance needs. 

What Is Full Coverage Auto Insurance? And Who Should Buy It?

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Did you just purchase your first car? Congratulations! That new car smell is one of the best smells in the world. And now that you have a car, it’s time to purchase auto insurance.

Unfortunately, navigating the insurance world as a new car owner can be tricky. You may come across the term "full coverage." But what does that mean? And is it something you should buy?

Below is a comprehensive guide to full coverage auto insurance. By the end of this article, you’ll know exactly what it is and whether or not it’s right for you.

What Is Full Auto Insurance?

Full auto insurance is a type of insurance coverage that helps pay for damages to your car resulting from an accident, theft, or other covered events. It typically includes four types of coverage: collision, comprehensive, liability, and medical payments.

Collision coverage pays for repairing or replacing your car if it’s impaired in a collision with an object or another vehicle. Comprehensive coverage helps pay to repair or replace your car if it’s damaged by something other than a collision, such as fire, flooding, or hail.

If you’re responsible for an accident that injures someone or damages their property, liability coverage will help pay for the damage you caused. On the other hand, medical payment coverage helps pay for the medical expenses of you and your passengers if you’re involved in an accident.

Who Should Purchase Full Coverage Auto Insurance?

Full auto insurance is not required in all states. But there are instances where it’s a good idea to purchase full coverage, even if it’s not required by law.

If you’re leasing or financing your car, your lender will likely need you to have full coverage. Full coverage is also a good idea if your vehicle is worth more than a few thousand dollars, as the cost to repair or replace it could exceed the amount of your deductible.

Contact your auto insurance agent if you have any questions about whether full coverage is right for you. They can help you determine the types and amounts of coverage that make sense for you based on your needs and budget.

Contact Us Today and Buy Full Coverage Auto Insurance

Do you think full coverage auto insurance is right for you? If you are in the New Windsor, NY, area, Bryan Insurance Agency LLC can help you find the perfect policy. We understand that every driver’s needs are different. That’s why we offer a range of auto insurance options, from liability-only to full coverage.

No matter your needs, we can help you find an excellent policy that gives you the peace of mind you deserve. Contact us today to get started.

Life insurance FAQs

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Life insurance can make life much easier for those you love if something happens to you and you are not there to provide for them. We are independent insurance agents at Bryan Insurance Agency LLC in New Windsor, NY, giving us access to more choices to help find the perfect policy for you at a price you can live with. 

Why may a life insurance policy refuse to pay the death benefit?

Most policies will pay for accidental death or natural causes with proof of death. If your policy is less than two years old, more questions may be asked, and the application may be looked at more closely. If any misrepresentation was made in the application, that could result in a refusal to pay. Also, if the death resulted from suicide, most policies will not pay if it occurs in the first two years. 

Can I extend my term policy?

In many cases, you can, but you will not be eligible for the same rate currently. You may receive that information when you take out your policy, but it is worth discussing with your agent if you think it is possible. 

Do I have to choose my spouse as the beneficiary?

Your choice of beneficiary can be anyone you choose. Keep in mind that children will not be able to collect the benefit until they are of legal age in the state where they live. 

Is it ever too late to buy life insurance?

As long as someone depends on you, probably not. Some people use their life insurance to pay for final expenses, which removes the burden on their loved ones. 

Contact Bryan Insurance Agency LLC in New Windsor, NY when you are ready to discuss the benefits of life insurance.