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<\/a><\/div>\nJune 28th<\/sup>\u00a0marks National Insurance Awareness Day, <\/p>\n Including <\/p>\n \u00a0<\/p>\n <\/span><\/p>\n <\/b><\/h2>\n While <\/span>pet<\/span><\/a> <\/b><\/h2>\n When <\/p>\n \u00a0<\/p>\n <\/span><\/p>\n Riding a Whether <\/span><\/b><\/h2>\n All-terrain At NYCM
\na day meant to pause and evaluate your home and auto insurance policies!
\nInspired by the day, we\u2019ve asked professionals from our <\/span>Underwriting<\/span><\/a> Team
\nwhat items they wish more people would consider insuring. The results may
\nsurprise you – and get you thinking about valuables you didn\u2019t know you could
\ninsure! Continue reading to learn more about how you can maximize <\/span>insurance<\/span><\/a>
\ncoverage for the things that matter most.<\/span><\/p>\nJewelry
<\/span><\/b><\/h2>\n\n
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\nitems like your wedding band or a family heirloom in your insurance policy can
\nprovide peace of mind. According to experts, there are a few different ways
\nthat you can ensure that items like <\/span>jewelry<\/span><\/a> are
\nprotected. One of these ways is to carry an All-Risk Policy as part of your <\/span>coverage<\/span><\/a>. With
\nthis, any items that are not specifically excluded from the policy are covered
\nbut are subject to policy limits and deductibles. Another option is to make
\nsure the item is specifically scheduled in your homeowner\u2019s policy. For many,
\nthis is the preferred method because full replacement value may be provided,
\nand you can even choose a non-deductible option when building your
\npolicy.\u00a0<\/span><\/p>\nAnimals<\/span><\/b><\/h2>\n
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\ninsurance is built to protect your animals, there are other ways to protect
\nyour wallet should there be a claim involving animals, unrelated to their
\nhealth. Experts from our Underwriting Team recommends notifying your agent when
\nyou add animals, big or small, to your family. Maybe you\u2019ve gotten your
\ndaughter the pony she\u2019s been begging for, you\u2019ve purchased a herd of <\/span>cattle<\/span><\/a>, or you
\ndecided to add a pair of pet goats to your family. As much as animals can bring
\njoy to our lives, they also can be unpredictable. An <\/span>animal<\/span><\/a> could
\nget loose on your property and run into the road causing an accident, or could
\ninjure someone visiting you, causing financial loss. Having your animals
\nincluded in your insurance policy is something experts highly recommend to
\nprotect your assets.\u00a0<\/span><\/p>\nNewly
\nLicensed Drivers – With or Without a Car of their Own<\/span><\/b><\/h2>\n<\/p>\n
<\/a><\/div>\n
\nyour teenager gets their driver license, adding them to your car insurance
\nmight not be the first concern on your mind, but it is an important one. Our
\nprofessionals suggest adding them as a primary or occasional driver to your
\npolicy as soon as possible, whether they have a vehicle of their own or not.
\nThe reasoning behind this is that by adding your children to your policy, you
\nare allowing them to gain credibility as a <\/span>rated
\ndriver<\/span><\/a>, which will help them obtain a better <\/span>insurance
\nrate<\/span><\/a> once they have their own auto insurance. Experts also
\nsuggest letting your insurance agent know when your child is away at college,
\neither with or without a vehicle, if they qualify for a good student discount,
\nor have completed any accident prevention\/defensive driving courses <\/span><\/a><\/span>because
\nthese instances might affect your premium.\u00a0<\/span><\/p>\nSnowmobiles<\/span><\/b><\/h2>\n
\n
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\n<\/span>snowmobile<\/span><\/a> is a
\nvery popular winter pastime in some areas of New York State. Most people know
\nthat NYS Law requires all snowmobiles to be registered and insured to hit the
\ntrail. What many don\u2019t know is that through <\/span>NYCM
\nInsurance<\/span><\/a>, snowmobiles can be covered under the insured party\u2019s
\nhomeowner policy. NYCM offers coverage both for liability and physical damage
\nto the machine.\u00a0
<\/span><\/span><\/p>\nAutomobile
\nCustomizations\u00a0<\/span><\/b><\/h2>\n<\/a><\/b><\/div>\n
\nyou\u2019ve added a plow to your pickup truck, modified your van to be <\/span>wheelchair<\/span><\/a>
\naccessible, or wrapped your vehicle to enhance its appearance, automobile
\ncustomizations can be costly and are worth insuring. Professionals advise that
\nwithout adding additional coverage to your NYCM <\/span>Auto
\nInsurance<\/span><\/a> Policy, customizations are subject to a $1,500 limit. To
\nensure you are fully covered, they suggest talking to your agent about the
\nchanges you\u2019ve made to your vehicle to see if you are eligible for additional
\nendorsements in your policy.\u00a0<\/span>\u00a0<\/span><\/p>\nNew York
\nState Businesses<\/span><\/b><\/h2>\n\n
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Insuring
\nyour <\/span>business<\/span><\/a> should
\nbe a top priority no matter the size. At NYCM Insurance, we insure various
\nbusiness types including restaurants, nail and hair salons, ice cream shops,
\nretail and grocery stores, apartment buildings, and so much more. Our
\nprofessionals encourage you to consider working with our team to protect what
\nmatters most. From your home and automobile to your <\/span>business<\/span><\/a>, we\u2019ve
\ngot you covered.\u00a0<\/span>\u00a0<\/span><\/p>\nAll-Terrain
\nVehicles (ATVs)<\/span><\/b><\/h2>\n<\/p>\n
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\nvehicles are common amongst New York State residents who enjoy using them
\nrecreationally or otherwise. When we asked our underwriting department why they
\nchose to feature <\/span>ATVs<\/span><\/a> they
\nexplained that individuals believe that insurance coverage is not needed as
\ntheir ATV is used solely on their property. However, experts cautioned that you
\ndo need to insure your ATVs for two reasons. The first is that ATVs are
\nexcluded on homeowner policies, meaning that in the event of a loss or someone
\ngetting injured, there is no coverage for any expenses or damages. The second
\nis that while we don\u2019t insure ATVs through NYCM, they are required to be
\ninsured when you have an <\/span>umbrella
\npolicy<\/span><\/a>, which is an excess liability policy that extends your
\nauto and home policies. When you are working with your <\/span>agent<\/span><\/a> to
\nbuild your umbrella policy, they will require you to prove any ATVs on your
\nproperty are insured.\u00a0<\/span><\/p>\n
\nInsurance, we are dedicated to providing genuine care to our customers while we
\nhelp them protect what matters most. Click the button below\u00a0<\/span>to find an agent
\nand receive a free quote today.\u00a0<\/span><\/p>\n