Homeowner, Condo Owner, Renters Insurance
One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home’s contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
We will help you select a program that provides the basic protections you need:
- Your home
- Other buildings or structures on your property
- Your personal belongings
- Additional living expenses
- Your personal legal liability
- Medical payments to others
- Loss of use
Many of our carriers offer special program features which will provide additional security. These include:
- Home Replacement Guarantee
- Replacement cost on contents
- Additional coverage form
- Off-premises theft of personal property
Personal Auto Insurance
You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability – Auto ownership presents the danger of large liability judgements from property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Maintaining proper levels of coverage is critical to your financial well being.
If you have any doubts about the level of automobile coverage for your situation, we have excellent plans available from strong, reliable auto insurers, and we will be happy to help pinpoint the coverage best suited to your needs.
Compulsory Auto Policy Coverage
- Bodily Injury to Others
- Personal Injury Protection
- Bodily Injury Caused by Uninsured Auto
- Damage to Someone Else’s Property
Optional Coverage
- Optional Bodily Injury to Others
- Medical Payments
- Collision
- Comprehensive
- Substitute Transportation
- Towing and Labor
- Bodily Injury Caused by an Underinsured Auto
- Accident forgiveness and Deductible rewards
Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
The auto insurance specialists at The William Allen Agency can also help save you money on insurance premiums by looking for all of the discounts you might be eligible for and make sure that your exposure to accident-related losses is minimized. We even offer safe driver courses to help reduce points on your license.
Remember that your insurance agent or broker is always your best source of guidance and information for insurance related questions and needs. Contact a specialist at The William Allen Agency at (516) 881-4422 for more details on any area of coverage.
Antique, Classic and Customized Automobile Insurance
Special autos come in all shapes, sizes and model years. When it comes to insurance, collectible cars have different needs than other vehicles. We share your dedication to caring for and protecting your special vehicle. We have coverage to meet our clients’ needs whether they own one car or one hundred, are restoring a vehicle, travel with their car, collect automobilia, or own valuable spare parts or tools. Let us help you care for your classic car by providing the policy that is right for it and for you.
Boat Insurance
One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
Dwelling Fire Insurance
Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.
Farm and Ranch Insurance
Farm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, please call (516) 881-4422 to learn more.
Flood Insurance
Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.
Home Business
More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that’s right for your business no matter how small, new or established.
The truth is the vast majority of homeowner’s policies do not cover you when you file a claim related to your home-based business. Think about these common scenarios:
- A business client is injured slipping on your front porch
- Your computer is destroyed by a power surge during a lightning storm
- Customers’ checks are stolen from your home
- A customer breaks inventory or is injured while you’re exhibiting at a small trade show
Under a homeowner’s policy, a claim resulting from any of these common scenarious would be denied. Most homeowners and renters policies do not cover liability or damage to property from business activites. Home Business Insurance does … and provides home-based business security in so many other ways!
Landlord Package Insurance
Landlord’s face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units; Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairmen. Even though Landlord Package Insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities. Even though renting residences to others is a business activity, many insurance companies will treat the renal of 4 or fewer units as a personal insurance matter.
Identity Theft
Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.
Landlord Package Insurance
Landlord’s face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units; Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairmen. Even though Landlord Package Insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities. Even though renting residences to others is a business activity, many insurance companies will treat the renal of 4 or fewer units as a personal insurance matter.
Motorcycle Insurance
Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.
Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.
Personal Umbrella
Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
Recreational Vehicle Insurance
Your RV may be a motor home, travel trailer, fifth wheel or a camper. It’s not a house and it’s not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.
Scheduled Personal Property
Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Trip Cancellation Insurance
Business and personal trips can be canceled (or delayed, which can be just as bad) for a variety of reasons: airline cancellations or delays, medical emergencies, evacuation, or an illness or death in the family. The costs of trip cancellation can be significant including forfeited deposits and penalties for canceled hotel and travel reservations. Trip cancellation should be a consideration before undertaking any excursion.
Wedding Insurance
Wedding costs today quickly climb into the tens of thousands of dollars. Unforeseen circumstances resulting in the postponement or cancellation of a wedding, and last minute replacement of service providers can leave you with $10,000 or $20,000 in expenses and no wedding memories to show for it. Wedding Insurance gives you the peace of mind of knowing that, if plans go awry, your investment can stay protected.
