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4 W Cross St, PO Box 998
Croton Falls, NY 10519

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New York Insurance Blog

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Will condo insurance cover the repair of the pipes that burst under my kitchen sink?

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Condo insurance is similar to homeowners insurance in that it covers many things in your condo, just like homeowners’ insurance does. However, condo insurance has one distinct difference. It only covers the interior of your condo, not its exterior. Your condo fees are designed to cover the maintenance of your condo’s exterior and common areas. Our Carminucci Agency team is committed to helping Croton Falls, NY, condo owners get the necessary coverage.

What is condo insurance?

Condo insurance covers your personal belongings, the walls, floors, appliances, and more. It also protects from theft and vandalism. However, condo insurance will not cover the exterior of your condo unit, only the exterior. Damage caused by specific natural perils is covered as well. Of course, as with any insurance policy, understanding the terms of your coverage is extremely important. Although many things are covered by condo insurance, some things aren’t. Also, some forms of damage may not be covered as well. 

Will condo insurance cover the repair of the pipes that burst under my kitchen sink?

Yes, possibly. Water damage is a commonly covered item for a condo insurance policy. It’s likely that the repair of your broken pipes and any other area that was damaged by the broken pipes will be covered by your condo insurance policy. However, as mentioned above, the repair is usually covered by condo insurance unless the teams and conditions of your condo insurance policy do not cover the reason for the broken pipes. If you accidentally break the pipes yourself, your condo insurance may not cover the repair because it may be considered negligent. An insurance agent can explain the terms of your policy when it comes to any coverage area. However, if you have more questions about condo insurance, call us. We’d be happy to answer your questions. 

What You Should Know before You Get Your Next New Car

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If you are considering buying a new or used car, there are a few things you should be aware of beforehand. One of those considerations is auto insurance, which is where we can help. For those living in or around the Croton Falls, NY area and in the market for a new car, the Carminucci Agency can help with all your auto insurance needs. That includes a few things you should know before stepping onto the lot or talking to that private seller.

Insurance Considerations Before You Buy Your Next Car

Did you know that some vehicles have considerably higher coverage rates because of theft-related concerns? Were you aware that some insurance agencies refuse to insure certain vehicles deemed to have these types of concerns?

From the variations in insurance rates for the size of the motor and class of vehicle to even such concerns as high theft rates, these are a few considerations everyone should be aware of before their next new car purchase.

At the Carminucci Agency, we invite you to stop in to discuss what you may need to know regarding insuring your next new vehicle. And if you need a policy, one of our professional and friendly agents will gladly help.

The Carminucci Agency for All Your Auto Insurance Needs

Serving those in and around Croton Falls, NY, with the plans, policies, and coverage solutions they need, the Carminucci Agency is here to help with all of your auto insurance needs. Contact us to learn more or to schedule an appointment to get the auto coverage solutions you need and deserve today. 

What Types of Commercial Insurance Does My Retail Store Need?

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As you work to establish your retail store, you’ll need to put in place the proper types of commercial insurance to minimize potential financial risks and losses. At Carminucci Agency in Croton Falls, NY, we work closely with our clients to create an individualized policy that addresses your specific needs.

Common Types of Commercial Insurance for Retail Stores

The following are some of the most important types of commercial insurance for retailers in Croton Falls, NY.

  • Liability insurance: General liability insurance may offer protection if an individual falls or is otherwise hurt on your property or due to your product. 
  • Commercial property: This type of insurance protects the building from accidental and unpredictable losses, such as fire, theft, and vandalism. You should have property insurance if you own or lease your space. 
  • Business interruption insurance: If your retail location cannot operate due to a covered event, you may want to have this type of insurance to help cover the costs associated with moving your business until repairs can occur.
  • Commercial umbrella insurance: This type of insurance extends the amount of liability insurance you have, helping to cover your costs further.
  • Workers’ compensation insurance: If you are a business owner with employees, you may benefit from workers’ compensation insurance to help cover any qualified employee injury or illnesses that occur.

These are some of the types of insurance your retail business may need, but it may not be enough. The types of coverage applicable to your business depend on what you sell, too. 

Get a Comprehensive Estimate for the Coverage You Need

Turn to Carminucci Agency in Croton Falls, NY, today to learn more about what we can do for you. Let us create a customized policy to address each of your needs.

What Types of Commercial Insurance Does My Retail Store Need?

Posted on by admin

As you work to establish your retail store, you’ll need to put in place the proper types of commercial insurance to minimize potential financial risks and losses. At Carminucci Agency in Croton Falls, NY, we work closely with our clients to create an individualized policy that addresses your specific needs.

Common Types of Commercial Insurance for Retail Stores

The following are some of the most important types of commercial insurance for retailers in Croton Falls, NY.

  • Liability insurance: General liability insurance may offer protection if an individual falls or is otherwise hurt on your property or due to your product. 
  • Commercial property: This type of insurance protects the building from accidental and unpredictable losses, such as fire, theft, and vandalism. You should have property insurance if you own or lease your space. 
  • Business interruption insurance: If your retail location cannot operate due to a covered event, you may want to have this type of insurance to help cover the costs associated with moving your business until repairs can occur.
  • Commercial umbrella insurance: This type of insurance extends the amount of liability insurance you have, helping to cover your costs further.
  • Workers’ compensation insurance: If you are a business owner with employees, you may benefit from workers’ compensation insurance to help cover any qualified employee injury or illnesses that occur.

These are some of the types of insurance your retail business may need, but it may not be enough. The types of coverage applicable to your business depend on what you sell, too. 

Get a Comprehensive Estimate for the Coverage You Need

Turn to Carminucci Agency in Croton Falls, NY, today to learn more about what we can do for you. Let us create a customized policy to address each of your needs.

When do people in New York need home insurance?

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Owning residential property has generally been a good option for those in the Croton Falls, NY area. When you invest in a home here, you will want to know that you have the right insurance in place. For many here, this means getting a full home insurance plan with appropriate coverage. There are various situations when this coverage is considered necessary for property owners. 

When Financing the Home

A situation when home insurance is a necessity for those in New York is when you are financing the purchase. Real estate prices throughout this area have continued to rise in recent years, and financing the purchase with a mortgage is often the best way to buy property. In many cases, your mortgage lender will require that you carry home insurance until you have paid off the loan in full. This is required as it helps to protect their loan collateral. 

HOA Rules

You may also be required to carry home insurance based on the rules set by your HOA. If your home is part of a larger association, you likely carry a certain level of home insurance. This provides assurances that you have proper liability insurance and that you can make repairs if the home is damaged. 

Those who are in the Croton Falls, NY area will want to know that they are appropriately covered with insurance at all times. As you will need a quality plan, it would be a great idea to call our professionals with the Carminucci Agency when you are ready to start looking for coverage. Our experienced team with the Carminucci Agency will help you create a plan that meets your needs and covers your property. 

Is it Worth Having My Classic Car Appraised Before Purchasing Insurance?

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As a classic car owner, you want to ensure you have adequate insurance coverage on your car if it were to incur damage. The key to purchasing insurance for a classic car is to provide you with the precise worth of the vehicle. Determining how much your car is worth can be tricky, and guessing isn’t an option. 

Professional Appraisal

A professional appraisal is a way to obtain the most accurate value of your classic car. The professional will thoroughly evaluate your vehicle, considering any restoration you may have performed, your condition, and much more. You can expect to pay anywhere from $100 – $500. 

The Hagerty Valuation Tool 

The Hagerty Valuation Tool is considered to be the industry standard when it comes to determining the value of a classic vehicle. A lot of work has gone into ensuring the Hagerty Valuation Tool’s accuracy; in many cases, it’s spot on. However, sometimes, the tool isn’t very accurate and can provide someone with a very unexpected reading.

Again, when purchasing insurance coverage for your car, it’s essential to know its exact worth. If you are experienced in the value of classic cars, you’ll be better able to detect if the valuation tool gives an accurate reading. But, if you’re new to the business, obtaining a professional appraisal might be in your best interest. 

As you can see, it’s not necessary to have your classic car appraised before purchasing insurance. Still, it can provide you with the most accurate valuation, making it worth the investment. If you live in the Croton Falls, NY area and you’re looking for a new insurance provider for your classic car, we’re accepting new customers at Carminucci Agency. We’re committed to providing our customers with top-notch service and are prepared to provide the same for you. 

What is Recreational Insurance?

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Recreational insurance is a type of insurance designed to cover your recreational vehicles. Because these vehicles are used differently, they require a different type of insurance. At Carminucci Agency in Croton Falls, NY, we offer recreational insurance. 

What Types of Vehicles are Covered by Recreational Insurance?

Generally speaking, recreational vehicles are covered by recreational policies. If you have a vehicle or "toy" that you enjoy, it’s likely considered a recreational vehicle. 

Watercraft are one type of recreational vehicle. These include boats, jet skis, and yachts. Campers, travel trailers, and motor homes also fit into this category. ATVs and snowmobiles are also recreational vehicles. 

What Does Recreational Insurance Cover? 

Recreational insurance coverage varies based on the policy and type of recreational vehicle. Generally, you can choose liability or full coverage. Liability protects you from damages caused by your car, while full coverage will repair or replace your vehicle if you have an accident. 

Do I Need Recreational Insurance? 

You may wonder if your recreational vehicle needs its own insurance policy. Generally, the answer is yes. 

  • If you have a homeowner’s policy, you may have some protection for your boat or ATV. Your personal belongings in your RV may be covered as well. However, this coverage will be limited and unlikely to protect your investment fully.
  • If you have a motorcycle, you are legally required to have a motorcycle insurance policy, just as you are required to have a policy for your car.  
  • Motorhomes must also have their own policy because they are driven on the highway. 
  • Marinas often require you to have boat insurance. 
  • If you have a loan on a recreational vehicle, your lender will probably require you to have insurance covering it. 

Recreational Insurance at Carminucci Agency

If you need to ensure a recreational vehicle in Croton Falls, NY, contact us at Carminucci Agency. We provide ATVs, watercraft, and more. Speak with one of our friendly agents to learn what we can do for you.

Benefits of Life Insurance for Different Life Stages

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Life insurance is a vital financial tool that provides security and peace of mind. As individuals in the Croton Falls, NY area move through various life stages, their life insurance needs to evolve. Understanding these benefits helps individuals make informed decisions about their life insurance coverage at each stage of life.

Protecting Loved Ones’ Financial Future

When starting a family, life insurance becomes crucial for protecting dependents in case of the policyholder’s untimely death. Life insurance benefits can support living expenses, education costs, mortgage payments, and other outstanding debts. By having life insurance, parents can ensure their loved ones are protected and have the means to maintain their quality of life.

Safeguarding Homeownership

Purchasing a home is a significant financial commitment. Life insurance can play a vital role in safeguarding homeownership for the family. In the event of the policyholder’s death, life insurance benefits can be used to pay off the mortgage or cover ongoing housing expenses. 

Preserving Financial Stability

As individuals progress in their careers and experience income growth, life insurance can help preserve financial stability. Life insurance benefits can provide a financial safety net to replace lost income and maintain the standard of living for the surviving family members. This is particularly important when individuals have financial obligations such as loan repayments, college tuition, or aging parents to support.

Creating a Legacy

During retirement planning, life insurance can serve multiple purposes. It can help individuals leave a financial legacy for their loved ones. Life insurance benefits can supplement retirement income, ensuring a comfortable lifestyle for surviving spouses or leaving behind charitable contributions.

How Carminucci Agency Can Help You

At Carminucci Agency, we can answer all your questions concerning life insurance coverage. We assist the Croton Falls, NY region. Contact us today. 

How Anti-Theft Features Affect Your Motorcycle Insurance

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Although any Croton Falls, NY area vehicle could be stolen, a motorcycle’s size and general design make it especially susceptible. Purchasing and installing an anti-theft device can definitely lower the chances of that happening.

But how might that affect your motorcycle insurance policy, and what might you need to know before moving ahead with a particular option?

At Carminucci Agency, we’ve covered all your burning questions about motorcycle insurance. In the meantime, let’s dig into how purchasing anti-theft tools or systems for your motorcycle might affect your policy.

How Would an Anti-Theft Device Affect Your Motorcycle Insurance Policy?

You may have heard that theft-proofing your motorcycle will help you save money on your policy. However, while that’s correct, it’s not a sure thing across the board. Potential savings and benefits depend on which devices you go with, the details of your policy, and the provider you purchase your policy from.

Generally speaking, you want to go for the options most likely to keep a criminal from taking permanent possession of your bike. Examples to consider include:

  • Disabling features (automatic or otherwise) that allow drivers to physically prevent their bikes from being driven away
  • Tracking interfaces that let owners of stolen bikes locate them later on (and repossess them with the help of the authorities)
  • Anti-theft equipment you can prove was installed by a professional

In other words, the more robust and effective the protection method, the lower the chances that a thief will ever be able to steal your bike successfully. That, in turn, means you’re less likely to need to file a claim, which may add up to savings on your Croton Falls, NY motorcycle insurance policy.

However, you should never assume that an anti-theft system you’re considering will have a specific effect on your policy. Always contact a professional insurance agent to discuss the matter before moving forward. We at Carminucci Agency will gladly help you sort out the details. Get in touch with us today to get started!

Tips to prepare your boat for a storm

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Preparing your boat for a storm is essential for any avid boater, especially here in the Croton Falls, NY area. If you don’t take the time to prepare your vessel, you could end up with severe damage and repairs that could cost thousands. Here are some tips from us at Carminucci Agency to help you get your boat ready for a storm: 

  • Check all of your lines and mooring cleats. Ensure they are secure and tied off correctly in case of strong winds or large waves. 
  • Ensure all windows, hatches, and vents are closed, secured, and appropriately caulked to keep water out of the vessel. 
  • Inspect the hull and deck for any weaknesses or cracks that need to be sealed or repaired before a storm arrives. 
  • Ensure all necessary supplies, such as extra batteries, fuel, food, water, flashlights, etc., are on board in case of emergency. 
  • Remove any unnecessary items from the deck to reduce wind resistance during the storm. 
  • Raise any antennae or mastheads before the storm hits to avoid damaging them if high winds occur. 
  • Consider relocating your boat away from shallow waters where there is more chance of being damaged by wave action during the storm surge.
  • Finally, make sure you have an exit plan ready should you have to leave quickly due to extreme weather conditions.  

By taking these steps now, you can rest assured that your boat is adequately prepared for whatever Mother Nature brings! For more tips, call us at Carminucci Agency today. We are proud to serve the Croton Falls, NY area.

About Carminucci Agency | Croton Falls, NY

Carminucci Agency encompasses all of the desired coverages that the community demands! Michael
Carminucci has been providing insurance, investment products and advice to clients all over the US for more than thirty years, achieving the trust and admiration of the community.

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Carminucci Agency

4 W Cross St, PO Box 998
Croton Falls, NY 10519
 Phone: 914-617-8989
Fax: 914-617-8785
Email: info@carminucciagency.com