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Flood Insurance: What Type of Flooding Does It Cover?

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Flood insurance can seem relatively straightforward. Most who are considering flood insurance are looking to defend their properties against flood damage that extreme weather events like hurricanes or flash flooding could cause. But you might be curious: Would flood insurance cover interior flooding that is not caused by external factors? Knowing this ahead of time will prevent you from relying on a policy that may not pay out when you need it most. Let’s take a closer look at what your typical flood insurance policy will cover and how you can get the coverage with the support of us here at Stewart Agency Inc. in Elmira, NY.

Does Flood Insurance Cover External Flooding, Internal Flooding, or Both?

Flood insurance policies are designed to cover external flooding caused by things like storms and hurricanes. This is because specific policies like homeowners insurance may not cover these with their policy. However, flood insurance policies won’t cover internal flooding caused by developments like plumbing leaks. The good news? Most homeowners insurance policies will cover damage caused by flooding due to internal plumbing problems. If you have both a flood insurance policy and coverage for your home or property, you will have the coverage you need to ensure you’re protected against flooding inside and out.

Secure a Flood Insurance Policy Seamlessly With Stewart Agency Inc.

If you live in an area susceptible to floods, having a flood insurance policy can provide you with the peace of mind you need, knowing that you’ll be able to afford any damages caused by flooding. We here at Stewart Agency Inc. in Elmira, NY are always ready to support you as you look for flood insurance for your home. Compare New York insurance quotes with us today!

Gap and Umbrella Policies – Do You Need Them?

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As a car owner, you are responsible for purchasing auto insurance. Without it, you might not be able to afford auto repairs or the costs of injuries you or the other driver may sustain in an accident. If you live near Elmira, NY, and have questions about auto insurance, our Stewart Agency, Inc. team can help you explore options that may be right for you.

Gap and Umbrella Policies

In New York State, you are required to have coverage for property damage and bodily injury. You might also choose to add coverage for collision (the cost of damage to your car) or liability (in the event of being sued by the other driver.) If your accident causes sufficient damage to declare your vehicle a total loss, the amount of money your insurance pays may not be enough to pay the amount you still owe your lender. Some auto lenders will encourage car buyers to purchase a gap policy, which will pay the difference between the amount paid by insurance and the amount you still owe.

Clients with additional personal resources (such as a home or boat) in addition to their car may consider buying an umbrella policy. Umbrella policies provide additional liability coverage if a judgment against you exceeds your policy limits. Umbrella policies typically have a higher limit of liability insurance – sometimes up to $1 million.

Contact Us Today

Our team has years of experience and wants to give you peace of mind regarding your insurance needs. Clients in the Elmira, NY, area can feel confident when visiting us for their insurance needs. Contact us for an appointment or a quote today, and let’s makensureu have the coverage you need.

Commercial Insurance: Are Cyber Attacks Covered?

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Businesses sometimes overlook the fact that cybersecurity is not perfect and not intrinsically included in a commercial insurance policy. Understanding if your commercial insurance includes cyberattack coverage is immensely crucial, especially for larger firms, as it forms a crucial part of protecting your employees and customers. For businesses in Elmira, NY, our specialist team at Stewart Agency Inc. can guide you on how to secure suitable cyberattack coverage.

Does Commercial Insurance Cover Cyber Attacks?

Unfortunately, cybersecurity insurance is separate from traditional commercial insurance. Cyberattacks are complicated events that can cause substantial damage to a firm. Hence, insurance companies treat cyberattacks as unique incidents requiring standalone coverage. While not covered by standard commercial insurance, businesses can bundle cyber insurance with their commercial policies.

Bundling allows companies to secure specific coverage reflecting their business needs, avoiding increased premiums for general commercial insurance. If you’re considering cyber insurance, knowing your options and understanding how to bundle effectively is essential.

What Does Cyber Insurance Cover?

Cyber insurance typically covers financial losses resulting from cyberattacks. However, the digital threat landscape is vast, so it’s crucial for businesses to verify that the policy offers comprehensive cyber protection.

Key assurance areas to look out for are:

  • Data breach coverage
  • Financial coverage
  • Extortion
  • Non-compliance coverage

Securing Your Business with Commercial Insurance in Elmira, NY

In today’s digital age, cyberattacks are frequent and potentially catastrophic. Having the right insurance can make a significant difference, protecting your business and reassuring your customers. If you are a business located in Elmira, NY, we encourage you to contact Stewart Agency Inc. Our specialists can guide you through your cyber insurance needs and provide a comprehensive understanding of what you can expect.

Simple Safety: Home Improvements

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Enhancing your home security doesn’t necessarily have to be expensive. Investing in cost-effective smart home devices can make your Elmira, NY home safer. Improved safety can reduce the number of claims filed on your policy from Stewart Agency Inc. This blog will discuss self-installed security systems and other intelligent features that cost less than $50.

Essential Security Systems: Cameras

Many high-quality doorbell video cameras are priced below $50. Multiple brands offer user-friendly cameras with smartphone app controls, costing between $35 and $45. They are accompanied by self-installation instructions, eliminating the need for professional installers.

Yard cameras are even more cost-effective. Depending on the brand, a single camera costs between $15 and $45. Some packages even offer up to four cameras for around $60. These systems, too, come with self-installation guides and mobile apps.

Security System Essentials: Sensors

Packages of four to six window and door sensors are generally priced around $15. These simple-to-install devices trigger an alarm when someone opens a window or door from outside. Since many security camera manufacturers also produce sensors, you can build a custom system, buying one economical element at a time.

Smart Home Essentials

With smart outlets, every home can become a smart home. These devices, which cost between $7 and $45, are available as single pieces or in multi-packs. Just plug the outlet adapter into any standard US electrical outlet, turn it on, install the manufacturer’s app on your mobile device, and complete the setup procedure. Afterward, you can control the device with home assistant systems like Google Assistant or Alexa.

Contact Us Today

Contact Stewart Agency Inc. for more information on enhancing the safety of your Elmira, NY home. Call us today to schedule a home insurance review.

How Classic Car Insurance Differs from Regular Car Insurance

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Car insurance, a legal requirement in many states, including New York, assures coverage for repairs and medical bills in the event of an accident. If you have a vehicle—a classic car, perhaps—that doesn’t see regular use, it still might be valuable enough to necessitate insurance, but not exactly your regular type of car insurance.

Distinguishing a Car as Classic

It’s not just the age—usually more than ten years—that renders a car classic. A classic car cannot be used daily and should be stored appropriately. Eligibility for coverage may require a reasonably clean driving record. Traditional car insurance protects against damage and theft up to its actual cash value. Classic cars may appreciate in value, but they are protected based on the agreed value. Given the difficulty of finding specific parts for classic cars, their insurance may cover the cost of original parts. Keep in mind that classic cars are rarely driven—usually only to car shows or on small weekend cruises. Insurers may require that classic cars be stored in a secure location such as a garage or barn.

Classic Car Quotes in Elmira, NY

If you own a classic car that you want insured and live in the Elmira, NY, area, please contact Stewart Agency Inc. Our friendly and knowledgeable agents will go above and beyond to help you find the insurance policy that best suits your unique needs.

Why all renters should have renters insurance

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As a renter in Elmira, NY, you might think there’s no need for you to have renter’s insurance. It’s easy to assume that your landlord or management company provides adequate coverage. However, they only have insurance that protects their property, not yours. At Stewart Agency Inc., we are independent insurance agents highlighting the necessity and benefits of renters insurance.

Content Coverage

Although you’re not responsible for insuring the physical building, a significant number of your assets are likely located within your rental unit. Imagine a disaster causing significant damage or total loss to your rental. Visualize losing all of your possessions. Could you afford to replace everything on your own? Consider this: all your furniture is gone, and all you have left are your clothes. Your computer, games, appliances, and dishes – all gone. The amount of money required to replace everything could be overwhelming. Renters’ content coverage provides financial aid to help you replace the things you need.

Liability Coverage

Contrary to common belief, your landlord does not bear all the liability at your rental. If, for instance, a child is injured by your equipment, it falls upon you. If your dog bites someone, you’re responsible. If your child breaks someone’s window, you’re responsible. Hence, having liability coverage is important for every tenant.

Loss of Use

If your rental suffers significant damage due to a covered peril and you need to vacate temporarily, this coverage steps in. It helps cover the cost of your temporary accommodation and potentially even some meals.

If you have any questions about renters’ insurance, don’t hesitate to contact Stewart Agency Inc. in Elmira, NY.

What is Full-Time Motorhome Insurance, and Do I Need It?

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There is a common misconception among motorhome owners regarding who needs full-time motorhome insurance. The standard for being considered as living in a motorhome full-time is 150 days per year, not 365. Those who spend five months per year in their motorhome may not have proper coverage if they lack full-time motorhome insurance. If you live in or near Elmira, NY, contact our team at Stewart Agency Inc. to ensure you have the motorhome coverage you need.

What is Full-Time Motorhome Insurance?

Traditional or short-term motorhome insurance works like auto insurance, while full-time motorhome insurance functions like a homeowner’s policy. Standard motorhome insurance covers liabilities resulting from an accident while driving, like auto insurance. It covers:

  • Bodily injury and property
  • Collision and comprehensive
  • Medical coverage for you and your passengers
  • Underinsured motorist coverage

Standard motorhome policies do not cover losses that occur when a motorhome is parked, though your homeowner’s or renter’s policy will cover many losses. However, a homeowner’s policy does not cover losses of full-time motorhome residents. Instead, they should have a full-time motorhome policy to cover:

  • Bodily injury and property in and around your parked motorhome
  • Personal effects in your motorhome
  • Motorhome HOA fees for common area losses
  • Temporary lodging during motorhome repairs
  • Carports, decks, and adjacent structures

As with any insurance, it is best to confirm your coverage before it is needed. So, if you spend more than 150 days in your motorhome, act now to ensure it is covered properly.

Working with the Stewart Agency Inc.

Our team at Stewart Agency, serving Elmira, NY, is ready to address all your insurance needs. Stop in today or call us at (607)734-6527 to ensure your motorhome and other insurance needs are appropriately covered.

RV Ownership Surge: Exploring the Booming Market and RV Insurance Implications

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The surge in RV ownership around the Elmira, NY region reflects a growing trend towards recreational travel and lifestyle flexibility, fueled by changing consumer preferences and economic factors. As more individuals and families embrace RV ownership, it’s essential to understand the implications for the RV market and considerations for securing adequate insurance coverage.

Booming Market for RVs

The RV market has grown recently, driven by increased interest in outdoor recreation, remote work opportunities, and a desire for exploring. This surge in demand has led to expanded offerings of RV models, ranging from motorhomes and travel trailers to camper vans and fifth wheels, catering to diverse preferences and budgets. The accessibility of RV financing options and availability of RV rental platforms have also contributed to the market expansion, making RV ownership more attainable for a broader range of consumers.

Insurance Implications for RV Owners 

RV insurance protects RV owners against financial risks and liabilities associated with recreational travel. Policies are meant to cover most physical damage to the RV, liability for injuries or property damage caused by the RV, and personal belongings stored in the RV. Optional coverage may include roadside assistance, emergency expenses, and coverage for attached accessories like awnings or satellite dishes. 

Risk Management and Safety Practices

Beyond insurance coverage, RV owners should prioritize risk management and safety practices to minimize accidents and potential claims. This includes regular RV maintenance, adherence to safe driving practices, and proper storage and security measures when the RV is not operating. By taking proactive steps to mitigate risks, RV owners can enhance safety on the road and reduce the likelihood of insurance claims.

Let Stewart Agency Inc. Inform You

Stewart Agency Inc. helps answer RV insurance questions and serves the Elmira, NY, region. Call us today.

Four reasons why you might want to change your motorcycle insurance policy

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At Stewart Agency Inc., we understand your motorcycle insurance needs may evolve, and keeping your policy updated is crucial. This article highlights four integral reasons to consider when adapting your motorcycle insurance policy for riders in Elmira, NY.

Inclusion of Important Features

If you realize that your policy lacks invaluable features like roadside assistance or rental reimbursement, then it’s time to reconsider your coverage. These features enhance your policy’s benefits and could be pivotal in case of an accident or breakdown.

Adding Riders to Your Policy

You might frequently let others ride your bike. However, your policy may not cover these drivers unless they are explicitly added to it. Therefore, to keep you covered against any eventualities, consider adding frequent riders to your policy.

Importance of Superior Customer Service

Your insurance provider’s customer service can influence your satisfaction with your coverage. If you face difficulties acquiring necessary information or fail to receive satisfactory service from your provider, you might want to switch to a provider known for exceptional customer support.

Need for Collision and Comprehensive Coverage

Remember that basic motorcycle insurance typically doesn’t include collision and comprehensive coverage, limiting your claim to a liability insurance payout after an accident. Ensure that your policy includes both collision and comprehensive coverage to adequately protect your motorcycle’s value.

Learn More About Your Options

Visit Stewart Agency Inc. for more insights on motorcycle insurance in Elmira, NY. Our agents are here to answer your questions and provide a custom policy quote tailored to your specific needs.

Are Other Drivers Covered by My Boat Insurance?

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Understanding Boat Insurance: Coverage for Additional Boat Operators

Like auto insurance, boat insurance is instrumental in protecting you from financial losses due to accidents, theft, and other unexpected incidents. But what about other potential operators of your vessel? Your insurance representative at Stewart Agency Inc., serving Elmira, NY, knows that most boat insurance policies provide coverage for other drivers and that there are important considerations to make when deciding on insurance.

Coverage Variations

It’s critical to note that boat insurance policies can vary greatly. Coverage for other operators usually falls under liability insurance, a standard feature in most boat insurance plans. This coverage is designed to guard you when someone else operates your boat and is involved in an accident causing injury or property damage. However, such coverage often depends on the other driver’s listing on your policy and the circumstances under which they were driving the boat.

Named Insured Drivers

Several insurance providers insist that any boat operator apart from the policyholder should be explicitly named on the policy to extend coverage. Inform your insurer about all potential drivers to ensure coverage. Some policies may offer flexibility, providing coverage for other drivers occasionally at the helm with your permission.

Possible Restrictions

Your policy may include restrictions based on the driver’s age, boating experience, and licensing. Some policies might not cover operators below a specified age or those without appropriate boating licenses or certifications.

While boat insurance typically includes coverage for other drivers, the specific details are governed by your insurer and policy terms. To understand who is covered when operating your boat, consult your insurance representative at Stewart Agency Inc., serving Elmira, NY. Being informed ensures optimum protection for your prized vessel and all potential operators.