Get More Liability Coverage With Umbrella Insurance

Posted on January 22, 2024January 25, 2024 by admin

If you have a home and a vehicle, you probably already have home and auto insurance to protect them. When you have these policies, it can be helpful to get more insurance coverage for them by getting an umbrella policy. Umbrella insurance is a great way to add more protection for a low price. When you want more protection from your insurance, contact us at Stewart Agency Inc. in Elmira, NY about an umbrella policy.

Liability Coverage

One of the most important types of insurance coverage that you have is your liability coverage. This is the coverage that pays for someone else’s medical bills and other expenses when there has been an accident. Generally, this is needed when the accident is considered your fault or your responsibility. You’re responsible for what your car does as well as for any accidents that happen on your property. With umbrella insurance, you get more liability coverage for both your home and auto policies. This is like an extra blanket or umbrella to protect you in case of serious accidents.

Paying Overages

Your home and auto insurance each have a specific amount of coverage for liability. This, however, may not be enough. When someone has an expensive accident, your home or auto insurance may not have enough liability coverage to pay for it all. That’s why you need umbrella insurance. If there is an overage after your home or auto policy pays out all it can, you’ll have your umbrella policy come in and pay the remainder. These policies have very high maximum payouts so that you’re well-protected.

Get Your Umbrella Insurance Policy

If you need more liability coverage, an umbrella policy is the cost-effective way to get it. To get started, call us at Stewart Agency Inc. in Elmira, NY, and learn more.

Should I Add Additional Coverage to My Auto Insurance?

Posted on November 17, 2023November 28, 2023 by admin

If you live in Elmira, NY or surrounding areas, you must have auto insurance coverage on your vehicle. New York residents are required to have liability insurance for property damage and bodily injury. A Stewart Agency Inc. agent can help you find the coverage that fits your needs.

Additional Coverage

Additional coverage can be added to your policy, along with the minimal requirements from New York. Additional coverage is not required but should be considered to ease your mind if you get into an accident or if something happens to your vehicle due to theft or fire. Additional coverage policies contain:

Personal Injury Protection pays for your injuries in the event of an accident. You can add no-fault protection, as well as Optional Basic Economic Loss, to your coverage.
Additional Liability or Property Damage Insurance
Uninsured or Underinsured Motorist protects against injury you, your family, or your passenger might suffer if a driver hits you and is uninsured.
Supplementary Insurance increases your liability insurance to allow for more coverage.
Collision pays for damage to your vehicle due to colliding with another automobile or an object, whether the accident is your fault or not.
Comprehensive Insurance covers harm to your vehicle from causes other than collisions like theft, fire, weather-related, glass break, or vandalism.
Accidental Death and/or Dismemberment Insurance
Other services include towing and labor, rental reimbursement, and mechanical breakdown coverage.

Call our Elmira, NY Office Today

If you want to get insurance for your vehicle and want to know more about additional coverage, call a Stewart Agency, Inc. agent today. New York only requires drivers to have property damage and liability for bodily injury. They will be able to assist you in finding the right coverage that fits all your needs, whether you add additional coverage or not.

How Much Commercial Coverage Do I Need?

Posted on October 20, 2023November 2, 2023 by admin

If you live in Elmira, NY and you’re going to be starting a business, then you will need to think about the type of commercial coverage you need. Trying to determine the type and how much commercial coverage to purchase can be one of the most difficult things that a new business owner must decide. Here is an overview that could help.

Do You Need Commercial Auto Insurance?

One aspect of choosing commercial insurance is determining whether you need commercial auto insurance. You will need commercial auto insurance if you have company vehicles that are used strictly for business purposes. If you opt to maintain regular auto insurance on business vehicles, then you could put yourself at risk of liability.

Do You Need to Consult an Expert?

If you are still struggling to determine how much commercial coverage to obtain, then you may need to consult with an expert. The expert will assess your business, ask you several questions about the type of business you run, and then come up with a pretty accurate amount of commercial coverage to opt for. This can save you the headache of purchasing too little or too much coverage, which is easy to do when you’re a new business owner.

Stewart Agency Inc. Is Here To Help

As you can see, commercial insurance coverage is important, but it can be very difficult to determine how much coverage to purchase. Once you have made that determination, if you need a new insurance company, then we at Stewart Agency Inc. serve the Elmira, NY area, and we’re accepting new customers. We offer several insurance coverage types, top-notch customer service, and great coverage. We pride ourselves on catering to our customers to ensure we exceed their expectations, so give us a call today so we can give you an estimate.

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