tag:blogger.com,1999:blog-55996363114487521032024-02-21T22:52:47.564-08:00Bryan Insurance Agency, LLCAuto, Home & Business Insurance - Long Island, NY.Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.comBlogger62125tag:blogger.com,1999:blog-5599636311448752103.post-67552186498185466732015-11-18T17:43:00.001-08:002015-11-18T17:43:47.930-08:00What Is Insurance Really For?<div class="FreeForm">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgen4bVAeMFCys4nKKJLFxBHROKkVgDixawg1C-KLmmaWVSEwHMQ84DNpIHOTUbJlhRjUq8uH00amtMt8pgcVQnscvczseUhKcND34QJ23k_xTcrAze5FD4tgCVwbZdHcy_a0WnffJp35c2/s1600/Nov_Blog_4.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgen4bVAeMFCys4nKKJLFxBHROKkVgDixawg1C-KLmmaWVSEwHMQ84DNpIHOTUbJlhRjUq8uH00amtMt8pgcVQnscvczseUhKcND34QJ23k_xTcrAze5FD4tgCVwbZdHcy_a0WnffJp35c2/s320/Nov_Blog_4.jpg" width="320" /></a>Thanksgiving has almost arrived. This is the time of year
when we sit back and reflect on all the things that we are thankful for. What
immediately comes to mind?<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
For most of us its
things like our family, our home, and our good health. And guess what they have
in common? All of these things are what insurance protects!<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
That’s
why it is so important to me that my clients have excellent insurance coverage.<o:p></o:p></div>
<div class="FreeForm">
It’s not
just about having an ID card in your car so you don’t get a ticket or fulfilling your mortgage company’s minimum loan requirements.<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
Insurance is there to make sure that if the worst happens,
you can recover from it. It might not be easy, but we’re here to ease the financial burden after your house burns own
or a loved one passes away.<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
All of those TV commercials that just tell you to find the
cheapest rate are completely wrong! Of course no one wants to pay more than
they have to, but it’s not
the most important part of the equation.<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
Rather than looking for a cheap bare bones policy, take the
time to interview and meet with local agents. See who is looking for the best
coverage and truly meeting your needs while keeping the rate affordable. Ask
about how they handle claims and if they do annual policy reviews.<o:p></o:p></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
This Thanksgiving, our agency is extremely thankful for all
of our wonderful clients. If you need a local agent to look out for your most
prized possessions, give us a call at<o:p></o:p></div>
<br />
<div class="FreeForm">
888-565-2212 today for a free no-obligation quote. Bryan
Insurance is Long Island<span style="font-family: "Arial Unicode MS",sans-serif; mso-ascii-font-family: Helvetica;">’</span>s leading homeowners insurance agent.<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com2tag:blogger.com,1999:blog-5599636311448752103.post-54387824033180249882015-11-13T10:33:00.000-08:002015-11-13T10:38:02.008-08:00Top Causes of Fine Art Damage<div id="pageTitle" style="background: none rgb(255, 255, 255); clear: both; color: #54565b; float: none; font-family: aig_futura_medregular, Arial, Helvetica, sans-serif; font-size: 14.992px; font-weight: bold; line-height: 19.4896px; margin: 0px 0px 10px;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZCSbmXfANfOkwAa3sMe-XByekO2g13gj-rJg4KO66YQjav5rvaYLEO1-Bn0SCNPfBEdk9_ZauBtLChrPv8O_b4S_W9I1dhtXlNXHV-SvOiyyZahh1g0Ya_NYXanc4HSt6GTaqqCLUxn_h/s1600/Alyson+Drawing+%25282%2529.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="247" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZCSbmXfANfOkwAa3sMe-XByekO2g13gj-rJg4KO66YQjav5rvaYLEO1-Bn0SCNPfBEdk9_ZauBtLChrPv8O_b4S_W9I1dhtXlNXHV-SvOiyyZahh1g0Ya_NYXanc4HSt6GTaqqCLUxn_h/s320/Alyson+Drawing+%25282%2529.JPG" width="320" /></a></div>
<h1 class="pageName" style="color: #79242f; font-family: aig_futuraregular; font-size: 22.488px; font-weight: normal; line-height: 1.2; margin: 0px; padding: 0px; text-transform: uppercase;">
</h1>
</div>
<div class="centerModule" style="background-color: white; color: #54565b; font-family: aig_futura_medregular, Arial, Helvetica, sans-serif; font-size: 14.992px; line-height: 19.4896px; margin: 0px 0px 10px;">
<div id="prodDtlsIntro">
<div style="padding-bottom: 10px;">
Whether you’ve spent a lifetime acquiring a world-class collection, inherited family heirlooms or simply purchased objects to decorate a home, the condition of each piece will impact its financial worth.<br />
<br />
Surprisingly, most art-related losses are caused by circumstances that are under your control to manage (or avoid). Along with distinct insurance coverage, a better understanding of the prevalent risks can help you manage your collection more effectively over time. Consider the following: </div>
<div style="padding-bottom: 10px;">
<br /></div>
<ol style="font-size: 14.992px;">
<li><strong>Installation</strong><br />Inadequate installation is one of the most frequent causes of damage to private collections, so whenever possible, valuable works should be installed under the guidance of a professional art handler. It is always good practice to use two hooks and two wires for hanging pictures and mirrors, as the redundancy adds stability and decreases likelihood of loss should one hook fail.</li>
<li><strong>Placement</strong><br />When deciding on where to install your art, avoid accidental damages by looking beyond the aesthetics of your home by considering the location of doors and pathways. Do not place objects in areas that are highly trafficked, above fireplaces, or beneath air vents. To limit long term damage caused by the harmful effects of sunlight, place objects out of direct sunlight and consider installing UV-filters on your windows.</li>
<li><strong>Environment</strong><br />Drastic fluctuations in temperature and humidity can have a negative long term effect on art and antiques as materials dry out or expand and contract over time. As much as possible, maintain a consistent temperature and relative humidity (RH) in rooms containing works of art. In homes with climate control systems, the environmental levels best suited for a general collection are 68-72 °F and a relative humidity of 45–55%. Consult a conservator for specific environmental recommendations for your collection.</li>
<li><strong>Theft </strong>It is no secret that works of art are attractive targets for thieves, although surprisingly, most art thefts are crimes of opportunity that easily could have been prevented. Secure the “envelope” of your home with a central station burglar alarm with motion sensors and contacts on all doors and windows. For jewelry and other portable valuables, install a safe that is bolted in to the fabric of your home.</li>
<li><strong>Fire</strong><br />Every minute a fire burns it doubles in size, which means that early detection is critical to saving lives and property. To best protect your home, family and collection, install a centrally-monitored smoke detector in every area of your home and keep annually inspected fire extinguishers handy. Monitored heat detectors can be used in kitchens and unfinished basement areas.</li>
<li><strong>Storage </strong>Ideally, all items that are not installed in your home should be stored off-site in a professional climate-controlled facility. If that is not feasible, dedicate one room in your home for art storage only. To protect items from leaks and spills, never store anything on the floor, even temporarily. If pictures need to be stacked, stack them front-to-front and back-to-back, alternating vertically and horizontally to minimize the chance of one pushing into another.</li>
<li><strong>Emergencies </strong>Writing a collection-specific emergency plan will ensure that you and your service providers act efficiently and effectively to protect your collection before and after a catastrophe. A standard plan includes: a priority list of items to be removed; a communication list with contact information; a list of tools and equipment needed; wrapping and handling instructions; the locations of gas, water, and electricity shut-offs, with instructions; training an emergency response team; and a conservation plan for the post-event period.</li>
<li><strong>Documentation </strong>Maintaining up to date inventory records reduces the likelihood of mysterious disappearance and an inventory with images helps expedite the claims process in the unfortunate event of a loss. The format you use can be as simple as a comprehensive list, but we recommend entering descriptions and images into a secure computerized collection management database, with a copy stored off site.</li>
<li><strong>Appraisals </strong>The value of your collection will increase over time, regardless of seasonal or annual trends. Since appraisals are used as the basis for insurance coverage, if a piece is damaged, lost or stolen, an outdated value could limit your ability to be fully compensated under your insurance policy. Typically, we recommend that appraisals be updated no less than every three to four years. Consult your appraiser to find out what time-frame is recommended for your collection.</li>
</ol>
<div>
<div style="font-size: 14.992px;">
At the Bryan Insurance Agency, we have risk management experts in high value homes and fine art collections. We are the leading insurance agents for home insurance in Long Island and New York. Contact us today to find out how to protect your priceless art collection. 888-565-2212 or <a href="http://www.bryanagency.com/contact" target="_blank">www.bryanagency.com/contact </a></div>
<div style="font-size: 14.992px;">
<br /></div>
<i><span style="font-size: xx-small;">Reprinted with permission from AIG Premier Client Group. Bryan Insurance Agency is a licensed agent of AIG Premier Client. For more information, visit AIG.com </span></i></div>
</div>
</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com1tag:blogger.com,1999:blog-5599636311448752103.post-68901330532138115872015-11-02T06:07:00.000-08:002015-11-02T06:07:26.044-08:00November Home Maintenance Tasks<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXl-qOBB1cya5gOVMcykCwqgENZiFwYNx5SWKkSaPxAZvx7SuZC8VKWDpzQZZGpwm7zYtJem95o2hJyMUfU-Mjy34LZSnQXzO3_Q8-3tqPBN5MFc46d2HMCY1MgeQSw26g0G_5jMmduXh_/s1600/Nov_Blog_1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXl-qOBB1cya5gOVMcykCwqgENZiFwYNx5SWKkSaPxAZvx7SuZC8VKWDpzQZZGpwm7zYtJem95o2hJyMUfU-Mjy34LZSnQXzO3_Q8-3tqPBN5MFc46d2HMCY1MgeQSw26g0G_5jMmduXh_/s320/Nov_Blog_1.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
Every month, we share easy tasks you can do to keep you home in tip-top shape all year long. So here are a few tasks you can take on in November!</div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<strong style="font-size: 9pt;">CO & Smoke Detectors </strong><span style="font-size: 9pt;"> - I</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">m sure you already have heard us tell you that when its </span><span style="font-size: 9pt;">time to </span><span style="font-size: 9pt;">“</span><span style="font-size: 9pt;">Fall Behind</span><span style="font-size: 9pt;">”</span><span style="font-size: 9pt;"> with our clocks, its also a great time to replace the batteries in your CO & smoke detectors. But just in case you forgot or maybe all of your clocks reset themselves automatically, I</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">ll remind you again about those batteries. Take a few quick minutes to test your CO & smoke detectors. Even with new batteries sometimes smoke detectors can still wear out. If you have an old one it might be a good idea to replace it completely.</span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<strong>Maintain Large Appliances</strong> - Appliances are a big long-term investment! That’s why it’s important to take good care of them all year long. Doing a few quick things now can save you lots of money in the long run. <span style="font-size: 9pt;">Your refrigerator is a great place to start. Accumulating dust can make your fridge cooling system less efficient. </span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;">To prevent trouble, regularly pull the fridge away from the wall and clean the condenser coils with a vacuum cleaner. It’s also a good idea to dust and clean the front lower grille. This five minute task can add years of service to your refrigerator!</span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<strong><a href="http://www.wikihow.com/Clean-the-Oven" style="color: #2682ea; font-size: 1em; font-weight: normal; text-decoration: none;" target="_blank">Clean The Oven </a>& Stove Drip Pans</strong> - Next move on to your stove. It’s another appliance that needs a good regular cleaning to keep it working well. Many ovens have a self-cleaning feature that will do the hard work for you. <span style="font-size: 9pt;">The only problem? It can take a while to run the cleaning feature and it usually smells pretty bad while it’s running. Save this task for a nice day and open up the windows to keep it well ventilated. Check your stove manual for instructions and take a few minutes to clean the burners too. </span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<strong>Have Problem Trees Trimmed </strong>- Cold weather has arrived. Have you noticed any large branches hanging over onto your roof? Get them trimmed as soon as possible. A good ice storm can cause branches to break onto your roof leading to more damage and insurance claims. </div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<strong>Save on Home Insurance</strong> - Homeowners Insurance is an important part of protecting your home and belongings. To make sure you have the best coverage, call the Bryan Insurance Agency today at 888-565-2212 or <a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" style="color: #2682ea; font-size: 1em; text-decoration: none;" target="_blank">visit us online for a free, no obligation quote.</a> </div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="background-color: white; font-family: Arial; font-size: 12px;">
At the Bryan Insurance Agency, we are the leaders in homeowners insurance in New Windsor, Long Island, and the surrounding New York areas. We specialize in homeowners insurance and mobile home insurance.</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Hwy #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-73744862938320356452015-10-13T08:13:00.000-07:002015-10-13T08:13:00.844-07:00October is Fire Prevention Awareness<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2CNdC96DKFA5GsYBngw-5J_TxFcdu2xEM9aYKDG-PDxLWH9SItm3cp-SOcvYnuofbVyHiT1fWCle3yLTs3lIoF71BljNIgOEMoPPiOrzdQM0XYUbZKQ9MUcWCSdSaoDhBvTP7UdGhyQWV/s1600/Oct+Blog+2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2CNdC96DKFA5GsYBngw-5J_TxFcdu2xEM9aYKDG-PDxLWH9SItm3cp-SOcvYnuofbVyHiT1fWCle3yLTs3lIoF71BljNIgOEMoPPiOrzdQM0XYUbZKQ9MUcWCSdSaoDhBvTP7UdGhyQWV/s320/Oct+Blog+2.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
October is officially Fire Prevention Awareness. Although Fire Prevention is technically October 4-10, 2015, we believe it should be something you and your family practice year round. As your insurance agent and coming from a family of volunteer fire fighters, this is an issue that is very important to us! Unfortunately, we've seen clients, friends, and family all suffer from home fires, and we want to share some things you can do to prevent a disaster.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Beyond basic fire prevention, like checking electrical cords and not leaving a pot unattended on the stove, there are several important things to do with your children or grandchildren to make sure they're safe<span style="font-size: 9pt;"> </span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
First, create a <a href="http://www.nfpa.org/safety-information/for-consumers/escape-planning/basic-fire-escape-planning" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">PLAN</a>. When children know what to expect, they can remain calm, even during an emergency. Help your child know exactly what to do if a fire occurs.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Stress the importance of getting out of the house and to your family meeting spot. Choose an area a safe distance from the house where children should go if making a fire escape. It could be a street light, mailbox, or neighbor's tree.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
If you have pets, tell your kids that your pets will find their own way out safely and that they should never go back to rescue the pet on their own.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
As a family, go through each room of the house and discuss TWO different ways to get out if a fire occurs. Let children practice opening a latch and unlocking doors too. Remember smoke rises, so teach them how to stay low and exit safely. And show them how to always test the door handle before opening. </div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Now host a fire drill! Make the practice drills fun and informative. Create sample scenarios and build up your kid's confidence. They'll be better prepared for a fire and you will too! Here is a<a href="http://www.sparky.org/" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank"> great tool with games for kids with Sparky the Dog on Fire Prevention.</a> </div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
When it comes to any sort of emergency situation, people are what matter most. Take precautions to protect your loved ones and let your professional insurance agents take care of protecting your home and belongings! Call us for a free quote on your Homeowner's Insurance today! 888-565-2212 or visit us online for a <a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">homeowners quote</a>. At the Bryan Insurance Agency we are the top agency in New Windsor and Long Island for home insurance. </div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com2tag:blogger.com,1999:blog-5599636311448752103.post-29064530996395660542015-09-24T11:00:00.000-07:002015-09-24T11:00:02.758-07:00How To Choose An Auto Insurance Deductible<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBxpUjPrc98OQOu98Ro5KS5mLO8De4gEIOOSs0fmngqjVLQK9uyzJnrTneaLeWn11MW9RsfboA1QRuqVxzktsmkReIzxtpc1RpKXpruqFK1tb9FywzzSZ4vOHymzz3ZJOAcPNJ0oJqa8wY/s1600/Sept+Blog+3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBxpUjPrc98OQOu98Ro5KS5mLO8De4gEIOOSs0fmngqjVLQK9uyzJnrTneaLeWn11MW9RsfboA1QRuqVxzktsmkReIzxtpc1RpKXpruqFK1tb9FywzzSZ4vOHymzz3ZJOAcPNJ0oJqa8wY/s320/Sept+Blog+3.jpg" width="320" /></a></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
When quoting auto insurance for clients, we frequently discuss how to choose the right deductible. I thought I’d take a few minutes to share this information here on our website too!</div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;">A deductible is the amount you pay out of pocket when you have a claim. If you have a $500 collision deductible and have an accident, then you would pay $500 towards repairing your vehicle and insurance would cover the rest. </span><span style="font-size: 9pt;">The deductible you choose directly relates to the amount of money you spend on premiums each month. The higher the deductible ($250, $500, $1000, $2000), the lower your monthly cost. </span><span style="font-size: 9pt;">So how do you choose? Cheaper price or lower out of pocket expense? Basically it comes down to pay now or pay later and what you can afford at the time of a loss.</span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;">First, look at your emergency savings. Do you have enough cash available to cover a higher deductible if you had to pay it? If the answer is no, then you</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">re better off paying a little extra each month. </span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span><span style="font-size: 9pt;">Compare the cost savings. When we run a quote, we can show you several different options. Ask your agent to run the premium based on several different deductibles so you can see the actual dollar cost savings. </span><span style="font-size: 9pt;">You can always change your mind. If you</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">re short on cash now, but know you could afford more out of pocket next year, you</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">re always able to change. Keep your deductible in a comfortable range and you</span><span style="font-size: 9pt;">’</span><span style="font-size: 9pt;">ll always be well protected! </span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;"><br /></span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt;">If you have insurance with us now and would like to see how much your premium can change by changing your deductible give us a call. Or if you are interested in more information and a <a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">personalized quote</a> call or <a href="http://www.bryanagency.com/contact" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">visit us online</a>! (888) 565-2212</span></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
At Bryan Insurance we are the leading agent for car insurance for the Hudson Valley, Long Island, and the surrounding New York areas.</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0tag:blogger.com,1999:blog-5599636311448752103.post-5715491707713002892015-09-21T12:07:00.000-07:002015-09-21T12:07:25.397-07:00September Home Maintenance Tasks<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5WfpmZeQmXb6o73rNXf6PnJuaYRAYrFKz7BUkDCX6J_ajBuEORu5aDPWy7yb-wpaX_BbJ0wHGH0yHeLmGl_E61dFgOX6Nh3GIVk1R8qz5CD9JzNEMEHEPWIFYRRkhWSXRYpbx-fQMH4BN/s1600/Sept+Blog+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5WfpmZeQmXb6o73rNXf6PnJuaYRAYrFKz7BUkDCX6J_ajBuEORu5aDPWy7yb-wpaX_BbJ0wHGH0yHeLmGl_E61dFgOX6Nh3GIVk1R8qz5CD9JzNEMEHEPWIFYRRkhWSXRYpbx-fQMH4BN/s320/Sept+Blog+2.jpg" width="320" /></a></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px;">
Every month, we share easy tasks you can do to keep your home in tip-top shape all year long. So here are a few simple tasks you can do in September to prepare your home for cool fall weather!</div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>1.) </strong><strong>Check Gutters</strong> - Take a few minutes to make sure your gutters are clear. With rain and falling leaves, gutters will be working overtime. By making sure they’re clear now, you’ll avoid water damage later on. You can either hire someone to do it or do it yourself.</div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>2.) </strong><strong><a href="http://www.wikihow.com/Clean-a-Clothes-Dryer-Vent" style="color: #2682ea; font-size: 1em; font-weight: normal; text-decoration: none;" target="_blank">Clean The Dryer Vent</a></strong> - Lint accumulating in the dryer vent can cause a house fire. A couple of times per year, unplug the dryer and thoroughly vacuum the area around the dryer vent and hose. Remember to check the outside vent too!</div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>3.) </strong><strong>Get Your Fireplace Inspected & Cleaned </strong>– Do you have a fireplace or woodstove? When was the last time it was cleaned & inspected? Now is a great time to make sure that your chimney and fireplace are all in good working order. A little maintenance now can help prevent a bigger problem later on. Schedule it now before it gets cold. </div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>4.) </strong><strong>Gather Firewood </strong>- Will you be burning a wood stove or fireplace this winter? Start gathering up firewood now and save yourself from the task when it’s cold outside. </div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>5.) </strong><strong>Get Ready For Autumn</strong> - Now is a great time to start planting some fall flowers. Mums make a great addition to your front porch! </div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<strong>6.) </strong><strong><a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" style="color: #2682ea; font-size: 1em; font-weight: normal; text-decoration: none;" target="_blank">Save On Home Insurance</a></strong> - Homeowners Insurance is an important part of protecting your belongings. To make sure you have the best coverage, call us today for a free, no obligation quote. </div>
<div class="Body" style="background-color: white; font-family: Arial; font-size: 12px; margin-left: 0.5in;">
<br /></div>
<span style="background-color: white; font-family: Arial; font-size: 12px;">Want more tips? Call or </span><a href="http://www.bryanagency.com/contact" style="background-color: white; color: #2682ea; font-family: Arial; font-size: 12px; text-decoration: none;" target="_blank">visit us online</a><span style="background-color: white; font-family: Arial; font-size: 12px;">. Bryan Insurance is the leading homeowners insurance agent in the Hudson Valley, Long Island, and New York areas. </span>Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Hwy #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-61605190747351638172015-09-09T11:25:00.001-07:002015-09-09T11:25:42.162-07:00Did You Know? Life Insurance Is Affordable.<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBv5HSgc2J-hbDY4z4cuWJPGlDXPs1GclcMM_yDWTTzmNWjHf70ro8Njt-qA65_cgrwfAkhJMqZc7Rsr93OlnUJnLBhXrmO9pdxpxtNX5qEW9_201CzvF8OVb-m9J0pmh6PJS4e5qVp9-l/s1600/Sept+Blog+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBv5HSgc2J-hbDY4z4cuWJPGlDXPs1GclcMM_yDWTTzmNWjHf70ro8Njt-qA65_cgrwfAkhJMqZc7Rsr93OlnUJnLBhXrmO9pdxpxtNX5qEW9_201CzvF8OVb-m9J0pmh6PJS4e5qVp9-l/s320/Sept+Blog+1.jpg" width="320" /></a><br /><span style="font-family: Arial; font-size: 12px;"><br /></span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="font-family: Arial; font-size: 12px;">Did you know that September is Life Insurance Awareness Month? If you haven’t already seen them, you will probably see TV commercials and magazine articles talking about why this coverage is so important all month long. And you probably already know it’s important. But I know that even with the best intentions, it doesn’t always mean that you’ve got your policy set up yet!</span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<a href="http://lifehappens.org/" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">The Life Foundation</a> says that only 62% of people who believe they need life insurance, actually have it. And even then, those that do have it only carry enough to replace their income for 3.6 years. If you have young children to support, that is simply not enough time! And if you're skipping life coverage all together, then you are putting your family at risk.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
So why do people wait too long to purchase life insurance? Well, the Life Foundation also says that 86% of Americans say they haven't purchased it because it's "too expensive.” Many overestimate the cost by more than 2X!</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Life Insurance rates are based on a number of factors, including age, health conditions, and smoking status. By not smoking and purchasing when you're younger, you can save a substantial amount of money. In fact, many term life policies are less than $30 per month! That’s $1 per day!</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Even if you are a smoker, older, or have health issues, doesn’t mean you won’t be able to afford it. Getting some life insurance is still better than none.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Here’s what we recommend...call the office and set up an appointment with one of our life insurance specialists. Bring information on your annual income, as well as any debts (like your mortgage). We can give an accurate picture of how much coverage you need as well as different ways to make it affordable. We can find a plan to fit your budget.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Don’t wait another minute! Call us today to set up an appointment. (888) 565-2212 or visit <a href="http://www.bryanagency.com/contact" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;">us online</a>.</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0tag:blogger.com,1999:blog-5599636311448752103.post-35479631239539916102015-08-13T18:54:00.000-07:002015-08-13T18:54:13.873-07:00Teenage Driver? Don't Sweat It!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgrLns0NdzwT3rBU6nuYernLcttUNHZ1tBTNzVUqSPM_RqYIYDebNVnXWGoKrJk-v3VZKOEbLJfbRkKj6zqVTIQd58TbX133y2vBM5mDi_OGobY3zL8N6uUgzajaO2tXsD_uVQgJRfDpQX/s1600/August+Blog+2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgrLns0NdzwT3rBU6nuYernLcttUNHZ1tBTNzVUqSPM_RqYIYDebNVnXWGoKrJk-v3VZKOEbLJfbRkKj6zqVTIQd58TbX133y2vBM5mDi_OGobY3zL8N6uUgzajaO2tXsD_uVQgJRfDpQX/s320/August+Blog+2.png" width="320" /></a></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">Do you have a
teenage driver? Or are you sweating about the thought of your tween driving in
a year or so? Back to school time is a great opportunity to think about car
insurance savings! <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">Having a teenage
driver can be stressful enough without even adding in the cost. You worry, first and foremost, about their safety. And then
of course there are a lot of costs! Things like purchasing an additional
vehicle, getting licensed, and paying more for insurance. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">Fortunately, when
it comes to the insurance, it doesn’t
have to be as detrimental as you think. You have options.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">First you want to
think about the vehicle your teen will be driving. Premiums are higher on vehicles with comprehensive and
collision coverage, which pays to fix your vehicle after an accident. When you have a car that has only liability insurance
(which pays only for damage your driver does to someone else’s
car), you pay a lot less.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">If you are
purchasing a car for your teen and need to watch your budget, consider buying
an older reliable model for cash that will not require comprehensive and
collision coverage. Not a hoopdie, but a car that you can feel
safe with your child behind the wheel while not breaking the bank. If you are thinking about one car or
the other, call us. We can help you weigh the cost and the risk to see if it is
a good option for you. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">You also want to
take advantage of all available discounts. These vary by policy but typically
include a discount for driver's ed and one for having good grades. With school about to start, it's a great time
to setup an incentive plan with your teenager to make sure they keep those
grades up and your premiums low! Most policies will give you an additional 10% off for a B or above
average and driver’s ed can be up to 20%. On top of these if
your child also takes an accident prevention course, this can be an additional
discount as well. They can take the course online now as well at <a href="http://www.hvddonline.com/">www.HVDDonline.com</a> <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">Still have
questions? Call us to review your current policy
and look for ways to help you manage the cost of having a teenage driver. 888-565-2212 or visit us online at <a href="http://www.bryanagency.com/">www.bryanagency.com</a><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<br />
<div class="FreeForm">
<span style="font-family: Arial, Helvetica, sans-serif;">At the Bryan
Insurance Agency we are the leading local agent in New Windsor, Long Island,
and New York for teenage drivers and car insurance.</span><span style="font-family: "Arial",sans-serif; mso-fareast-font-family: Arial;"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Highway #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-77908798861971341362015-07-28T08:00:00.000-07:002015-07-28T08:00:05.139-07:009 Ways To Save On Your Car Insurance<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhirmWM2VAuAvchHEVgAWPlFq6cn3DXWoUxMH4-_TC0MFh8P2IYhJzp2VJDEwMrOTrBVQKhm21sMlVBF8a7wbHrVgnE6c7fafGdoCTQmKwew3A_UgQ9dNfYVdLPQYKEDhvcIGdGTvYwfoVi/s1600/July+Blog+4.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhirmWM2VAuAvchHEVgAWPlFq6cn3DXWoUxMH4-_TC0MFh8P2IYhJzp2VJDEwMrOTrBVQKhm21sMlVBF8a7wbHrVgnE6c7fafGdoCTQmKwew3A_UgQ9dNfYVdLPQYKEDhvcIGdGTvYwfoVi/s320/July+Blog+4.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Looking for ways to keep your auto insurance premiums manageable? Here are 9 ways you can save on your insurance (without sacrificing coverage.)</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>1. Driving Record</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Your driving record plays a big role in how much you pay for insurance. By keeping a clean record for 3-5 years, you can save hundreds of dollars! Be a cautious driver, don’t speed, and you'll lower your premiums. <br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<span style="font-size: 9pt; text-decoration: underline;"><b>2. Driving Course</b></span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Defensive driving courses are an easy way to achieve an extra discount. They can also help keep a ticket from showing up and messing up your clean driving record. Make sure to call us before taking the class if you're using it for a discount so we can verify that your policy qualifies.<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>3. Anti-Theft Devices</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Installing an alarm or other anti-theft device can lower premiums on your vehicle. Make sure to discuss all features with us, sometimes even power locks and a remote can count!<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>4. Your Credit Score</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
While insurance uses a different formula then the credit bureaus, your credit still affects the rate you pay. Good credit can save you hundreds (even thousands) on your premiums! Make sure to review your report on a regular basis and have any mistakes corrected.<span style="font-size: 9pt;"><br /></span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>5. Where You Live</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
Rural areas pay less for insurance than the big cities do. It's all about risk and with a large population, there is more chance for an accident. Therefore, where you choose to live can impact your rates. Consider visiting with us before purchasing a home if you’re concerned about the costs (it is based on the zip code).<span style="font-size: 9pt;"><br /></span></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>6. Your Vehicle</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
The vehicle you choose to purchase also makes a difference! Some vehicles cost a lot more to repair than others, which drives up their rates. Easy way to avoid buying a money-sucker? Call us first and let us quote the vehicle before you sign on the dotted line.<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>7. How Often You Drive</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
If you take public transportation and only drive on the weekend, you'll pay less than someone with a long commute. Make sure to review your annual mileage and daily commutes with us (especially if they change) so that you can receive the extra savings.<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>8. Raise Your Deductible</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
A higher deductible (your out of pocket cost in a claim) means a lower monthly rate. If you have $1000 in savings and could afford to use it if you had an accident, then you’ll save on your insurance cost by having a $1000 deductible instead of a $250. We can help you review the costs and benefits in your specific situation.<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<b><u>9. Your Agent</u></b></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
And the best way to save? Work with a local agent! You'll get the coverage you need plus you'll have an advocate working on your behalf to find the best rate, all the discounts, and an easy explanation of any gaps in your coverage. It's the #1 way to control your risk, maximize your savings, and protect your family.<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
We want to be your agent! Call us to discuss your policy today and let us see how we can save you money on your car insurance! At Bryan Insurance we have over 10 different car insurance carriers that specialize in giving you the best coverage at the best price in New Windsor, Long Island and the surrounding New York area. Call us at 888.565.2212 or<a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank"> visit us online</a>.</div>
<div>
<br /></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com3Long Island, New York, USA40.8521095 -72.9490753999999739.3147945 -75.530862399999975 42.3894245 -70.367288399999964tag:blogger.com,1999:blog-5599636311448752103.post-13212389129873945762015-07-21T08:00:00.000-07:002015-07-21T08:00:03.009-07:00You had a claim. Now what?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiX9FkOEJ0mSVR8PEvihLt5bp3WMJw8PCEKIEg5P2fNHxRzvJ13i3efPZFXCHR6GQ_xxjDtVLw_rwqnyxQ2G2Mk_1LAqqxUazd_ZUREPdJFGC8QvImONF7ws_jh6XkcyQuPtWI9Ay01RJ1y/s1600/July+Blog+3.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiX9FkOEJ0mSVR8PEvihLt5bp3WMJw8PCEKIEg5P2fNHxRzvJ13i3efPZFXCHR6GQ_xxjDtVLw_rwqnyxQ2G2Mk_1LAqqxUazd_ZUREPdJFGC8QvImONF7ws_jh6XkcyQuPtWI9Ay01RJ1y/s320/July+Blog+3.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">It happened. You
had a claim. This one was not fixable on your own and you had to call your
agent or company to put the claim in. Now what?<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Claims can be a
stressful process. I've worked with my clients after car
accidents, home fires, storm damage, and even a death in the family. Insurance claims are often tied to the
most stressful events in our lives.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">That's why it's
extremely important that you work with an agent and a company that you trust
and who you know will be able to walk you through the process. <span style="font-size: 14pt;"><o:p></o:p></span></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">After an insurance
claim, you will be assigned to an adjuster who will evaluate your loss. Most times, they will come out to take a
look at what happened and speak to you. The adjuster will determine the settlement amount based on what is fair to put you
back to where you were before the claim and also answer any questions you may
have. <span style="font-size: 14pt;"><o:p></o:p></span></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;"><b>So what happens if
things don't go smoothly at first?</b> Maybe you don't agree on the amount or
can't get the right documentation?<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">That's where I come
in.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">My job, as your
agent, is to also be your advocate. My office goes to work to help you
communicate with your adjuster if there is a problem. That means that when you need help,
we're there.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Yes, sometimes you
can get cheaper rates with unknown companies. And you might love being able to buy
online without talking to an agent. Sometimes you also get what you pay for.
Cheaper doesn’t
always mean better especially when you are up to your eyeballs in paperwork
from a claim and you feel like no one is listening to you.<span style="font-size: 14pt;"><o:p></o:p></span></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">But when it comes
down to those stressful moments, it's great to have someone you know on your
side. Someone who can explain the process or just to listen if you need to
talk. Call my office today and let us
protect your family from the next claim. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<br />
<div class="FreeForm">
<span style="font-family: inherit;">At the Bryan
Agency, we are your claim advocates. We have over 20 years of industry
experience and 15+ in working in and helping people with claims. We are experts
at claims in New Windsor, Long Island and the surrounding New York areas. Have
a claims question? Call us at 888.565.2212 or <a href="http://www.bryanagency.com/contact" target="_blank">visit us online </a>today!</span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Highway #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-9544744530202302282015-07-14T08:00:00.000-07:002015-07-14T08:00:01.104-07:003 Easy Home Maintenance Tasks for July<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEineJAVzsr8r7Rh4zzy3qR8tKEbXCbI6aebIJikLBbddwh0Qgh5Y_Bepo13P9WY_Jqhb2fiCfIpLes-huVj4kByhPuQh0aXCR4FKD0fOY2geESkhjrtKzUQdRl-KgilhwIOUgDSOKXbE3lw/s1600/July+Blog+2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEineJAVzsr8r7Rh4zzy3qR8tKEbXCbI6aebIJikLBbddwh0Qgh5Y_Bepo13P9WY_Jqhb2fiCfIpLes-huVj4kByhPuQh0aXCR4FKD0fOY2geESkhjrtKzUQdRl-KgilhwIOUgDSOKXbE3lw/s320/July+Blog+2.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Regular home
maintenance is important and frequently overlooked, especially in the summer.
Let</span><span style="font-family: "Arial Unicode MS",sans-serif; mso-ascii-font-family: Arial;">’</span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">s face it, the
summer goes by so fast, who has time to worry about all the inner workings of
the house? We tend to forget about our air conditioning system. That is, until
it quits working on the hottest day of the summer!</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-hansi-font-family: "Arial Unicode MS";">
</span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">That's why, we're providing a few
simple tasks and reminders you can do each month to keep your home in tip top
shape all year long.</span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-hansi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Here</span><span style="font-family: "Arial Unicode MS",sans-serif; mso-ascii-font-family: Arial;">’</span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">s some quick Home Maintenance To-Do</span><span style="font-family: "Arial Unicode MS",sans-serif; mso-ascii-font-family: Arial;">’</span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">s that take less than 30 minutes each!
<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Arial; mso-hansi-font-family: "Arial Unicode MS";">1.)<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Do
an <a href="http://energy.gov/public-services/homes/home-weatherization/home-energy-audits" target="_blank">energy audit</a>.</span></b><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Hot weather is a great time to find
all the spots in your home where air may be sneaking in.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Plugging those leaks can save as much
as 20% on your heating and cooling bills!</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm" style="margin-left: .5in;">
<span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Look
at every door and window area for places where you can see daylight through a
crack or feel a draft.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Don't forget the mail slot and
fireplace too! </span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">If you'd rather use a professional,
contact your utility company for a recommendation on a home energy auditor.</span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Arial; mso-hansi-font-family: "Arial Unicode MS";">2.)<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Protect
your patio furniture.</span></b><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">You probably have all of your nice
outdoor furniture in use right now.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Make sure to take a few minutes to
clean it each week (and protect it during storms) and it will last for many
years.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm" style="margin-left: .5in;">
<span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Check
the tags on pillows and cushions for specific cleaning instructions and
regularly hose down the furniture itself. Remember, patio cushions are a
favorite place for busy squirrels so try to keep them protected!</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm" style="margin-left: .5in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-size: 14.0pt; mso-fareast-font-family: Arial; mso-hansi-font-family: "Arial Unicode MS";">3.)<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Save
on <a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" target="_blank">Home Insurance</a>.</span></b> <span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">If we don't currently insure your home, call us for a quote
today.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">We'll look for every possible discount
without sacrificing important coverage.</span><span style="font-family: "Arial",sans-serif; mso-ascii-font-family: Helvetica; mso-bidi-font-family: "Arial Unicode MS";"> </span><span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-hansi-font-family: "Arial Unicode MS";">Great insurance coverage is the best
protection you can have!</span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="FreeForm">
<span style="font-family: "Arial",sans-serif; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-font-weight: bold; mso-hansi-font-family: "Arial Unicode MS";">At the Bryan Insurance Agency, we are the experts at keeping you safe
this summer and saving you money. We can help you with your insurance wherever
you whether it be New Windsor, Long Island, the Hudson Valley or any area in
New York. Call us or <a href="http://www.bryanagency.com/" target="_blank">visit us online</a> today for a quote on your home insurance.
888.565.2212.</span><span style="font-family: "Helvetica Neue",serif; font-size: 14.0pt; mso-bidi-font-family: "Helvetica Neue"; mso-fareast-font-family: "Helvetica Neue";"><o:p></o:p></span></div>
<br />Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Highway #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-7753688559713284752015-07-07T08:00:00.000-07:002015-07-07T08:00:01.180-07:00What To Do When Your Home Is Vacant<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSdmCGgd2PBVGxQUdEfAVFEUMHCvHnZi2TsbBAeNLnnS4ZASWEVycI_QAT6sKCbqJyuqN4O-y6O8_kk6RIFkjtJ3xZZxlKc_ne-_K7SdLzfYZfAuiF3mORs8w8zrwBzEr934pQTwRdLb6X/s1600/July+Blog+1.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSdmCGgd2PBVGxQUdEfAVFEUMHCvHnZi2TsbBAeNLnnS4ZASWEVycI_QAT6sKCbqJyuqN4O-y6O8_kk6RIFkjtJ3xZZxlKc_ne-_K7SdLzfYZfAuiF3mORs8w8zrwBzEr934pQTwRdLb6X/s320/July+Blog+1.png" width="320" /></a><br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Selling your home
can be a stressful process, especially when it doesn't move quickly. With a new job looming or the purchase
of a new house, you may have no choice but to leave the home vacant for a short
time until it sells. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">The problem? Vacant homes fall under different
insurance rules and can leave you at risk. Homes are typically considered vacant
when the utilities are shut off and/or furniture has been removed. If you forget to tell your agent that your home is vacant, you might not
be covered in the event of a loss<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Insurance companies
view a vacant home as a higher risk. There are more opportunities for
vandalism and no one living there to protect the home from fire or storm
damage. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;"><i><b><u>So what should you
do when moving?</u></b></i><i><o:p></o:p></i></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">First you need to
talk to your insurance agent and get the details on your policy. Since policies vary by state and
insurance company, there is no single right answer. Sometimes an insurance company can make an
exception to your current homeowners policy if you give them a heads up ahead
of time. <o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">If you do have to
purchase a separate policy to cover your home as a vacant home, many carriers
allow you to do this for a shorter period of time such as 3, 6 or 9 month
increments.</span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Explain the
situation to your agent. Ask what coverage is included and what
is excluded (specifically for vandalism). Also, you want to find out what
changes can be made to protect your home. For example, investing in an
inexpensive alarm or camera system might help not only in the insurance cost
but also in your peace of mind. You can also look into having your real estate
agent or a property manager periodically check in on the property every few days to be sure that the house is okay.<o:p></o:p></span></div>
<div class="FreeForm">
<br /></div>
<div class="FreeForm">
<span style="font-family: inherit;">Selling a home
doesn't always follow a quick timeline. If you're facing the possibility of leaving
your home vacant, contact us first and find out how to
best protect yourself and your property. <o:p></o:p></span></div>
<div class="FreeForm">
<o:p><span style="font-family: inherit;"> </span></o:p><span style="font-family: inherit;"> </span></div>
<br />
<div class="FreeForm">
<span style="font-family: inherit;">At the Bryan
Insurance Agency, we are the leading agent for vacant homes and homes under construction
in the Hudson Valley and Long Island. Contact us for a quick tips sheet on how
to keep your home safe. You can reach us at 888-565-2212 or online at <a href="http://www.bryanagency.com/">http://www.bryanagency.com</a> </span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0287 Windsor Highway #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-3540343003489118632015-06-30T11:00:00.000-07:002015-06-30T11:00:01.306-07:00Renters Insurance - Why You Need It<div class="BodyA" style="font-family: Arial; font-size: 12px;">
If you are currently renting your home or apartment, it’s time to learn more about renters insurance! </div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
Homeowners insurance covers the house itself and the items inside. But if you don’t own the home, you don’t need insurance to cover it. All you need is coverage for your actual personal belongings.</div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
It might not seem like a lot, but all those little items add up! When you think about the cost to replace your furniture, dishes, sheets, clothes, books, and everything else filling up your home, it’s probably a lot more than you thought. </div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
Renters insurance is an affordable way to protect what you’ve worked hard to acquire. And it’s probably a lot cheaper than you’d expect! In fact, many times the discount you receive on your auto insurance for having multiple policies can almost pay for the entire renters policy!</div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
Renters Insurance will cover personal belongings within your home as well as a limited amount of property off premises (such as items in a storage building) or your laptop when it’s in the car. </div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
It also includes important liability coverage. If you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it (protecting you from a damaging lawsuit). In fact, many landlords now require that tenants carry a certain amount of liability insurance before they approve the lease. </div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
So if you’re renting, it’s time to look at protecting your valuables. Give us a call today or <a href="http://www.bryanagency.com/contact" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">visit us online</a> and ask for a no obligation quote on renters insurance. And don’t forget to find out how much you’ll save on your auto insurance too! </div>
<div class="BodyA" style="font-family: Arial; font-size: 12px;">
<br /></div>
<span style="background-color: white; font-family: Arial; font-size: 12px;">At Bryan Insurance we are the leading experts in New Windsor, Long Island, the Hudson Valley and New York for renters insurance. </span>Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com1287 Windsor Highway #350, New Windsor, NY 12553, USA41.4666757 -74.048615115.944641200000003 -115.3572091 66.9887102 -32.740021100000007tag:blogger.com,1999:blog-5599636311448752103.post-13663614384588940102015-06-24T06:50:00.001-07:002015-06-24T06:50:40.863-07:00Insuring Your Wedding Rings<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWhihqwgtBhS5Z785x7edaMUvSQnwUjdMFLWnn1QU9d2-FUJKgGrlZAfGNNNKJbou6sm1durtWypjS7v2hbX4slv0sQXwWXU3t5FVeCO-Mi73a0XAY-p2vKV2s_frcRkWptf21j7LUlsmr/s1600/Insuring+Your+Wedding+Rings.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="177" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWhihqwgtBhS5Z785x7edaMUvSQnwUjdMFLWnn1QU9d2-FUJKgGrlZAfGNNNKJbou6sm1durtWypjS7v2hbX4slv0sQXwWXU3t5FVeCO-Mi73a0XAY-p2vKV2s_frcRkWptf21j7LUlsmr/s320/Insuring+Your+Wedding+Rings.png" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
Did you know that June is the most popular month for weddings? </div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
I’ve seen many of my clients planning and preparing for their wedding over the next few weeks. So I thought I’d share an insurance tip this week just for engaged couples and newlyweds.</div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
You’re spending a lot of money on your wedding and those <a href="https://www.travelers.com/personal-insurance/valuable-items-coverage/index.aspx" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">new rings</a>. Make sure they’re covered! </div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
Jewelry is covered under your Homeowners or Renters insurance. BUT…the coverage amount can be limited and on top of that, you will have to pay your normal deductible if something happens to that piece. If you don’t cover the individual piece of jewelry specifically, you might not have enough coverage to replace it if it were to be lost or stolen.</div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
Here’s what I recommend: Get an appraisal of your rings from the jeweler. Then bring in a copy and we can quickly let you know what it would be to add the rings to your policy. (We can also discuss deductibles or special coverage.) Depending on the value of the ring, you might spend only a few dollars a year to know that your valuable jewelry is insured. This is peace of mind knowing that even if the stone fell out you are covered worldwide.</div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
If you are renting or getting ready to purchase a home and don’t have a policy, now is a great time to schedule a free consultation to discuss what coverage you’ll need and give you a ballpark figure for what it will cost. Renters Insurance is very inexpensive and can give you a lot of peace of mind as you combine your two households.</div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<b>But the best tip I can give? Talk to a local insurance agent you can trust! We’ll look out for you and help you get the right coverage at an affordable rate. Call today or<a href="http://www.bryanagency.com/" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank"> visit us online</a> for a free quote. 888-565-2212</b></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
<b><br /></b></div>
<div class="Body" style="font-family: Arial; font-size: 12px;">
At the <a href="http://www.bryanagency.com/" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">Bryan Agency</a>, we are your leading local insurance agent in New Windsor, Long Island, and New York for <a href="https://www.travelers.com/personal-insurance/wedding-insurance/index.aspx" style="color: rgb(38, 130, 234) !important; font-size: 9pt !important; text-decoration: none !important;" target="_blank">Wedding insurance</a>, home insurance, and jewelry insurance.</div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div class="FreeForm" style="font-family: Arial; font-size: 12px;">
<br /></div>
<div>
<br /></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0tag:blogger.com,1999:blog-5599636311448752103.post-12601528650823643852015-05-15T06:17:00.000-07:002015-05-15T06:25:27.345-07:00Insuring Your RV, Boats: Keeping Summer Fun & Safe<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHOL0FhwQAXHiJ5bf-foWlg0jiJ2S7uxErSsJm1lxFQqR1slHM2NHCREHsAey3yxRrUmuddr8gLPECIp8dcPZ10guMCgAu4-8uFKJLF4Iz2r6FIzWmYF26aOZLKAWUO4yvafN2Gsm_88VN/s1600/May+Blog+1.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHOL0FhwQAXHiJ5bf-foWlg0jiJ2S7uxErSsJm1lxFQqR1slHM2NHCREHsAey3yxRrUmuddr8gLPECIp8dcPZ10guMCgAu4-8uFKJLF4Iz2r6FIzWmYF26aOZLKAWUO4yvafN2Gsm_88VN/s320/May+Blog+1.png" width="320" /></a></div>
<div class="FreeForm" style="margin: 0in 0in 0pt; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in;">
<span style="font-family: Helvetica;">Summer
is on its way.<span style="mso-spacerun: yes;"> </span>Before we know it there
will be Memorial Day barbecues and long weekends at the lake.<span style="mso-spacerun: yes;"> </span>(Next weekend to be exact, if you can believe
it!)<o:p></o:p></span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in;">
<span style="font-family: Helvetica;">That's
why now is a great time to review insurance coverage on all of your summer
toys.<span style="mso-spacerun: yes;"> </span>Check out the things to consider
(and review with us) before the big toys come out of winter storage.</span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in; text-indent: -0.25in;">
<!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">1.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></b><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><a href="http://www.bryanagency.com/rv/recreational_vehicle_insurance_quote.aspx" target="_blank">RV</a></b> - Your motorhome or travel trailer
needs insurance coverage, especially if you'll be driving or pulling it this
year.<span style="mso-spacerun: yes;"> </span>Even if you don't have a loan on
your RV, you will want it covered for theft or damage.<span style="mso-spacerun: yes;"> </span>Whether they are parked on a lake lot for the
season or driving cross country, we offer several RV policies to fit your
needs.<span style="mso-spacerun: yes;"> </span>Just call us for a quote.</span></div>
<div class="FreeForm" style="margin: 0in 0in 0pt; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in;">
<o:p><span style="font-family: Helvetica;"> </span></o:p></div>
<div class="FreeForm" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in; text-indent: -0.25in;">
<!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">2.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></b><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><a href="http://www.bryanagency.com/boat/watercraft_insurance_quote.aspx" target="_blank">Boat & Jet Ski</a> </b>- The same thing goes for your
boats and jet skis.<span style="mso-spacerun: yes;"> </span>You've made a big
investment and it's important to protect them.<span style="mso-spacerun: yes;">
</span>Not only should you worry about damage to your boat, but also make sure
you have the proper amount of liability coverage.<span style="mso-spacerun: yes;"> </span>Don’t forget your life jackets!<span style="mso-spacerun: yes;"> </span></span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in; text-indent: -0.25in;">
<!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">3.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></b><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><a href="http://www.bryanagency.com/motorcycle/insurance_quote.aspx" target="_blank">Motorcycle</a></b> - Ready to hit the road for
a long drive?<span style="mso-spacerun: yes;"> </span>Remember to brush up on
your safety skills and always wear a helmet.<span style="mso-spacerun: yes;">
</span>Don’t forget to make sure your motorcycle has liability coverage just
like your vehicle!<span style="mso-spacerun: yes;"> </span>We can help you
determine what coverage you need. <span style="mso-spacerun: yes;"> </span></span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in; text-indent: -0.25in;">
<!--[if !supportLists]--><b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">4.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span></b><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><a href="https://www.agentinsure.com/compare/auto-insurance-home-insurance/bryanagency/quote.aspx" target="_blank">Swimming Pool</a> </b>- If you own a pool, then
you need extra liability coverage including a <a href="http://www.bryanagency.com/umbrella/umbrella_quote.aspx" target="_blank">Personal Umbrella Policy</a>.<span style="mso-spacerun: yes;"> </span>Why?<span style="mso-spacerun: yes;">
</span>Because there is a lot more risk of someone being injured when you have
a pool.<span style="mso-spacerun: yes;"> </span>Don’t skimp on your coverage and
make sure you have the pool area secured and safe.<span style="mso-spacerun: yes;"> For less than $12 a month you could buy an extra $1 million in coverage!</span></span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in;">
<span style="font-family: Helvetica;">Summer
is a lot more fun when you know that your high price summer fun toys are
properly insured and protected.<span style="mso-spacerun: yes;"> </span>Take 10
minutes to <a href="http://www.bryanagency.com/motorcycle/insurance_quote.aspx" target="_blank">call us for a quote</a> or to review your current coverage.<span style="mso-spacerun: yes;"> </span>We are experts at summer fun & all the
toys! <span style="mso-spacerun: yes;"> </span>888-565-2212 or </span><a href="http://bryanagency.com/contact" target="_blank"><span style="color: #0563c1; font-family: Helvetica;">visit us online.</span></a><span style="font-family: Helvetica;"> <o:p></o:p></span></div>
<br />
<div class="FreeForm" style="margin: 0in 0in 0pt; tab-stops: .5in 1.0in 1.5in 2.0in 2.5in 3.0in 3.5in 4.0in 4.5in 5.0in 5.5in 6.0in;">
<span style="font-family: Helvetica;">At
the Bryan Agency we are the leading agents in the Hudson Valley and Long Island
in home insurance, umbrella insurance, motorcycle insurance, boat insurance, and RV insurance coverage. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com3tag:blogger.com,1999:blog-5599636311448752103.post-25724604667199407812015-03-25T17:41:00.004-07:002015-03-25T17:41:47.145-07:00Discounts, Discounts, Everywhere... But Are You Getting All of Them?
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX0DWnWk-vNN8daqvnetNI9ZTOrlxMGpNe-ahsxh-3ZGGikFvYe1iTHriGJ2qv3jUFhnVQ4KzyraWpDbmYlrG4Hk5Ad7bMJkHPc1_QgNhpPtwZr-EArZXPgKPcNsqsPMsX0mbuyE7iklAU/s1600/March+blog3_2015.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgX0DWnWk-vNN8daqvnetNI9ZTOrlxMGpNe-ahsxh-3ZGGikFvYe1iTHriGJ2qv3jUFhnVQ4KzyraWpDbmYlrG4Hk5Ad7bMJkHPc1_QgNhpPtwZr-EArZXPgKPcNsqsPMsX0mbuyE7iklAU/s1600/March+blog3_2015.png" height="180" width="320" /></a></div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;"></span> </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;"></span> </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">Discounts are the best way to save on your insurance premium each
and every month.<span style="mso-spacerun: yes;"> </span>But a lot of people are
missing out on them!<span style="mso-spacerun: yes;"> </span>With a little bit
of paperwork from you to your agent, you could see great savings.</span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">1.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Security Discounts</u></b> - Does your
home have a security system or fire protection system?<span style="mso-spacerun: yes;"> </span>Some of these devices will help you save big
on your home or renters insurance.<span style="mso-spacerun: yes;"> </span>If
you have a certificate of installation (and even if you don’t), let us know and
we’ll see if you qualify.</span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">2.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Driver Training & Defensive Driving</u></b>
- Did your child take Driver’s Ed?<span style="mso-spacerun: yes;"> </span>Did
you take a Defensive Driving course?<span style="mso-spacerun: yes;">
</span>These classes will typically qualify for discounts!<span style="mso-spacerun: yes;"> </span>Just bring in a copy of your completion
certificate and we’ll get it added to your policy. Did you know you can now
take the course online from the comfort of your couch? </span><a href="http://www.hvddonline.com/"><span style="color: #0563c1; font-family: Helvetica;">www.HVDDonline.com</span></a><span style="font-family: Helvetica;"> </span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">3.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Good Grades</u></b> - Good grades will
help you save!<span style="mso-spacerun: yes;"> </span>Some of our policies
offer a discount for full time students 25 years of age and under who maintain
a high GPA.<span style="mso-spacerun: yes;"> </span>Give us a call to see the
requirements for your policy.</span><o:p><span style="font-family: Helvetica;"> </span></o:p></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">4.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Payment Discounts</u></b> - There are
many different options when it comes to paying your premiums.<span style="mso-spacerun: yes;"> </span>Some policies offer discounts for paying in
full or a reduced installment fee if you put the payment on auto-draft.<span style="mso-spacerun: yes;"> </span>We can advise you of all the payment options
so you pay as little as possible.<o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">5.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Multi-Policy Discounts</u></b> - When
you have all of your insurance in one place, you save more!<span style="mso-spacerun: yes;"> </span>If your auto and home insurance is spread out
between multiple companies or agencies, let us help you consolidate.<span style="mso-spacerun: yes;"> </span>You’ll be better protected (with less gaps in
coverage) and save money!<o:p></o:p></span></div>
<span style="font-family: Helvetica;"></span><br />
<span style="font-family: Helvetica;">The key?<span style="mso-spacerun: yes;"> </span>Talk to your
agent!<span style="mso-spacerun: yes;"> </span>When we schedule regular annual
reviews, we can review your policy discounts and make sure you are receiving
the best coverage at the best price.<span style="mso-spacerun: yes;">
</span>Call today (888) 565-2212 or <a href="http://www.bryanagency.com/contact" target="_blank">visit us online</a> to schedule an appointment.</span><br />
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">At the Bryan Insurance Agency we are your local car insurance
agents for the Hudson Valley, New Windsor, and Long Island and other
surrounding New York areas. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com2tag:blogger.com,1999:blog-5599636311448752103.post-77058406705996172242015-03-17T08:00:00.000-07:002015-03-17T08:00:06.356-07:00Protect You & Your Family During Severe Weather<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7b6Vv5gf2cDFdH5194y85TmbcTRpvfPUaFjykFG9DBbKmEYlyZh0l-MCCP_3EJkrpzNdbq5cao6zxD7YjhQ7MvRUbZQrR2XJvoVGFzTAAsYKCX42vhLCx_gk5K7SZDrQHuEjCgJvjZDWT/s1600/Severe+Weather+Prep+Kit.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7b6Vv5gf2cDFdH5194y85TmbcTRpvfPUaFjykFG9DBbKmEYlyZh0l-MCCP_3EJkrpzNdbq5cao6zxD7YjhQ7MvRUbZQrR2XJvoVGFzTAAsYKCX42vhLCx_gk5K7SZDrQHuEjCgJvjZDWT/s1600/Severe+Weather+Prep+Kit.png" /></a></div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">Did you know that March is Severe Weather Preparation Month?<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<span style="font-family: Helvetica;"><br />While here in New York it may still feel like winter outside and you
can barely see the ground through all of the snow, trust me it won’t be long
until spring arrives.<span style="mso-spacerun: yes;"> </span>And with it comes
spring storms!<span style="mso-spacerun: yes;"> </span>Is your family prepared?<o:p></o:p></span><br />
<span style="font-family: Helvetica;"><br />First things first, make sure you have designated a safe place to
go to if the weather gets bad.<span style="mso-spacerun: yes;"> </span>It could
be your basement, a closet in the center of the house, or a room with no
windows or outside walls, like a bathroom.<span style="mso-spacerun: yes;">
</span>Make sure this space is cleared out enough that you could easily get
your family inside if needed.<span style="mso-spacerun: yes;"> </span>(You don’t
want to be clearing out the closet at the time of a tornado or bad storm!)<o:p></o:p></span><br />
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">Next, put together a <a href="http://www.ready.gov/build-a-kit" target="_blank">small emergency kit</a>. Set it up in a backpack
so it’s all in one place. What would you need if the power was out?<span style="mso-spacerun: yes;"> </span>Consider putting in flashlights, extra
batteries, canned food, and plenty of water.<span style="mso-spacerun: yes;">
</span>(Don’t forget supplies for your pets too!)<o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">Keep emergency phone numbers in your cell phone contacts,
including the phone number for your insurance company!<span style="mso-spacerun: yes;"> </span>You could even save a note in your phone with
your policy numbers too.<o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">While we can’t prevent bad weather, it’s always great to be as
prepared as possible.<span style="mso-spacerun: yes;"> </span>Take care of your
family first and know that we’ll be there to protect your belongings.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">For more ways to protect you and your family, contact us at
888-565-2212 or </span><a href="http://www.bryanagency.com/"><span style="color: #0563c1; font-family: Helvetica;">www.bryanagency.com</span></a><span style="font-family: Helvetica;">. A</span><span style="font-family: Helvetica;">t the Bryan Insurance Agency we want to be sure you and your
family are protected. Call us for a free second look. We are the top insurance
agency for car insurance, home insurance and business insurance for New
Windsor, Long Island and the rest of New York.<o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com1tag:blogger.com,1999:blog-5599636311448752103.post-80813675138627909792015-03-13T10:57:00.001-07:002015-03-15T09:14:34.171-07:004 Simple March To Do's to Protect Your Family and Save You Money<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-cJCmmwV9dbjz-spIJ_JxH3BAocyISa_cIo4EZKfcbYRwqymPZotVcoIsZxzEvtmE2qWkQUnIMqkqdAMRspik5s0VRdI6qpOHp7t8GmnZVnTzOMjqDXLD27bq-N0I-huDhGjrjE4WiyRq/s1600/MARCH+(2).png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-cJCmmwV9dbjz-spIJ_JxH3BAocyISa_cIo4EZKfcbYRwqymPZotVcoIsZxzEvtmE2qWkQUnIMqkqdAMRspik5s0VRdI6qpOHp7t8GmnZVnTzOMjqDXLD27bq-N0I-huDhGjrjE4WiyRq/s1600/MARCH+(2).png" height="185" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;"></span> </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">What do you need to do this month to keep your home running
smoothly and your family protected?<span style="mso-spacerun: yes;"> </span>There
are a few simple things that you can do and take less than 30 minutes of your
time. Schedule one each week in March! Read below to find out!<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">1.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Change Batteries In Smoke & CO
Detectors</u></b> - When the time changes, it’s a great idea to change the
batteries in all smoke and carbon monoxide detectors.<span style="mso-spacerun: yes;"> </span>This way you always know that they are
working and in good order!<span style="mso-spacerun: yes;"> </span>The spring
time change this year is on Sunday March 8th.<span style="mso-spacerun: yes;">
</span><o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">2.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Make A Severe Weather Plan</u></b> – March
comes in like a lion and out like a lamb. That being said, it is the start of
spring and the stormy season. Designate a safe place in your home in case of
bad weather.<span style="mso-spacerun: yes;"> </span>Stock it with basic
emergency supplies and throw in an extra flashlight and batteries too! Here are some tips on downloading</span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">3.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Check Your Credit Report</u></b> – Did you
know that March is Credit Education Month?<span style="mso-spacerun: yes;">
</span>When was the last time you checked to see that your credit reports were
accurate?<span style="mso-spacerun: yes;"> </span>If it’s been over a year, stop
by </span><a href="http://www.annualcreditreport.com/"><span style="color: #000099;"><span style="font-family: Helvetica;">www.annualcreditreport.com</span></span></a><span style="font-family: Helvetica;">
and order a free copy today.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Helvetica; mso-fareast-font-family: Helvetica;"><span style="mso-list: Ignore;"><span style="font-family: Helvetica;">4.)</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: Helvetica;"><b style="mso-bidi-font-weight: normal;"><u>Review Your Insurance Discounts</u></b> –
I’m all about the discounts. Did you know that on any given car insurance
policy, there are up to a dozen discounts available to you? <u>ONE DOZEN</u>,
12, aka a whole lotta savings opportunities! Are you getting all the discounts
you qualify for?<span style="mso-spacerun: yes;"> </span>Call us at 888-565-2212 or <a href="http://www.bryanagency.com/contact" target="_blank">visit us online</a> to review your policy and see if there are any changes that need to be
made. </span></div>
<br />
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">And as always, give us a call if you have any questions or need
assistance with car, home, business, or life insurance. At the Bryan Insurance
Agency we are the top insurance agency in the Hudson Valley area serving New
York, New Windsor and Long Island. Contact us today at </span><a href="http://www.bryanagency.com/contact"><span style="color: #0563c1; font-family: Helvetica;">www.bryanagency.com/contact</span></a><span style="font-family: Helvetica;"> or 888.565.2212. </span></div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;"></span> </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<span style="font-family: Helvetica;">Feeling social? Don't forget to visit us on <a href="http://www.facebook.com/bryanagency" target="_blank">Facebook</a> or follow us on <a href="http://www.twitter.com/bryanagency" target="_blank">Twitter</a>!</span></div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com0tag:blogger.com,1999:blog-5599636311448752103.post-50383122426817679872015-02-04T12:57:00.001-08:002015-02-04T12:57:50.804-08:00Increasing Your Longevity with Exercise<div style="background-color: white; font-family: Arial; font-size: 12px;">
<img alt="" src="http://www.bryanagency.com/img/~www.bryanagency.com/459928895.jpg" style="border: 0px solid rgb(255, 255, 255); display: inline-block; float: left; height: 167px; margin-bottom: 10px; margin-right: 10px; width: 250px;" />Most people want to live longer lives. Although this desire is naturally one of self-interest, others benefit as well. Your family depends on your support, both emotional and financial. Therefore their security depends on how well you take care of yourself. While you can and should provide financial security with the right life insurance plan, it's in their best interest that you are always there to see them through the challenges they will face.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
<strong>The Minimal Exercise Requirement</strong></div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
There are many scientific studies that support the claim that exercise prolongs life. So the question is not whether you should exercise, it's how much and what kind you should do. The good news is that the minimum amount for increasing longevity isn't much at all. As long as it's done on a regular basis and elevates your heart rate, you will benefit. A brisk 11 minute daily walk is all you need to benefit. By increasing the length of these walks, you will get increased longevity gains. However, additional gains level off at about 43 minutes of daily brisk walking.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
<strong>Why Exercise Prolongs Life</strong></div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
Like unused plumbing that corrodes and fills with deposits, the cardiovascular system needs to be put to use for optimal performance. Otherwise the heart muscle weakens, plaque builds up on the walls of blood vessels and blood vessel inflammation occurs, which restricts blood flow. Heart disease is a major killer of sedentary people. With the cardiovascular system, you must literally use it or lose it and of course, you need it to stay alive.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
Exercise reduces the risk of chronic illness. It also causes secondary effects that prolong life. These effects include an improved sense of well-being, stress reduction, improved sleep, reduced muscle loss and stronger bones. Unhappiness, chronic stress and insufficient sleep have been shown to shorten life. Retaining as much muscle mass as possible is important because muscle tissue elevates the metabolism, which means fewer calories are stored as fat. Muscle mass prevents falling, which can cause serious injuries in the elderly population. A life habit of brisk walking keeps the leg muscles active and reduces their atrophy. Including strength exercises in your routine will also increase these benefits.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
Those who make exercise a part of their lives also tend to be more health conscious in general. These additional health habits, such as a good diet, can add extra years to your life beyond what you achieve with exercise alone.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
Another benefit of exercise is that it makes you a good candidate for life insurance. The younger and healthier you are, the lower your premiums. Life insurance providers generally use a health classification system. The highest ratings correspond to the healthiest candidates, while the lowest ratings correspond to health levels that are close to being uninsurable. There may be as many as 15 classifications. Each successive level down from the top might be charged as much as 25 percent more than the level just above it. As you can see, the premiums you pay quickly add up as you go down the health classification levels.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px;">
Being in good health literally pays. If you aren't insured, consider its advantages and talk to your independent insurance agent.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px; margin-bottom: 8pt;">
Get a quote today. Call<strong> Bryan Insurance Agency </strong>at <strong>845-565-2200</strong> for more information on <a href="http://www.bryanagency.com/life/insurance_quote.aspx" style="color: #2682ea; font-size: 1em; text-decoration: none;"><strong>Long Island life insurance</strong></a>.</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com3tag:blogger.com,1999:blog-5599636311448752103.post-49679961825994066382015-01-05T09:09:00.004-08:002015-01-05T09:09:46.585-08:00Tips to Save on Renters InsuranceAll renters should consider purchasing renters insurance. Yes, the building itself is covered by your landlord. But, your personal belongs are up to you to protect. However, we understand that people are on budgets, so we've put together some information to help you save on renters insurance.<br />
<br />
First, if you can afford it, try to pay a year's worth of insurance in a lump sum. Insurance providers often give discounts to those who pay in a lump sum. If you can't do that, then pay biannually or quarterly to knock off a few processing fees per year.<br />
<br />
Second, know what you have. Take an inventory and see how much it would cost you to replace furniture, clothes and the rest of your belongings. Determining an accurate value of your possessions will help you if you have to file a claim. On the other hand, if you can't afford to insure everything at replacement cost, you can at least get renters insurance for part of the value and save money that way. Just know that if you chose this route, you probably won't have enough insurance money to replace everything if there is a problem.<br />
<br />
Third, discuss your insurance options with your independent insurance agent to see what you can do without. If you don't need coverage for displacement (in other words, if you know you could live with family or friends for a while), then ask your agent if there is a discount for not having that coverage.<br />
<br />
Fourth, bundle your coverage together. If your car and renters insurance are from the same company, you can save on both policies. <br />
<br />
These four ways require some tough decisions on your part. So, while we advocate that you are fully insured, we also understand that you might have a tight budget. For that reason, we work hard to help you save money.<br />
<br />
Learn how much you could save today. Call<strong> Bryan Insurance Agency </strong>at <strong>(845) 565-2200</strong> for more information on <a href="http://www.bryanagency.com/renters/insurance_quote.aspx"><strong>Long Island renters insurance</strong></a>.Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com2tag:blogger.com,1999:blog-5599636311448752103.post-38494767744581398442014-12-04T10:19:00.000-08:002014-12-04T10:19:29.884-08:00Give the Perfect Gift of Life Insurance<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
<img alt="" src="http://www.bryanagency.com/img/%7Ewww.bryanagency.com/Nov%202014%20Blog%20Images/Nov%20Blog%202.png" height="200" width="400" /><br />
<br />
Have you started your holiday shopping this year? Before long, people will be lining up in stores and placing their orders online. It’s an annual shopping frenzy.</div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
But have you stopped to think about what your family really needs this season? </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
For many of my clients, it’s Life Insurance. </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
Life Insurance is what protects your family if something were to happen to you or your spouse. Think about what you would want for your family in that situation. Would you want your wife to be a stay at home mom? Would you want your kid’s college education to be paid for? Would you want your family to pay off the mortgage and be debt free? </div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
Life Insurance is about preparing for the <i>unexpected</i> and making sure your family is taken care of. It’s not a fun thing to think about for a lot of people, but it’s very important.</div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
Many people avoid buying life insurance because they think it’s expensive. But that couldn’t be farther from the truth! In fact, life insurance is extremely affordable, especially for a young healthy family.</div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
So before you stand in line buying coffee pots and crock pots this Christmas, stop and think about what is truly important? Purchase life insurance and insure that your children will be taken care of for years to come.</div>
<div class="Body" style="margin: 0in 0in 0pt;">
<br /></div>
<div class="Body" style="margin: 0in 0in 0pt;">
Call me at 888-565-2212 or visit me online today for a no-obligation <a href="http://www.bryanagency.com/life/insurance_quote.aspx" target="_blank">Long Island life insurance quote </a>from the Bryan Agency.
Visit us online for a life insurance calculator & other tools.<br />
<br />
Let us help you do your holiday shopping. At the Bryan Insurance Agency
we are the leading agents in life insurance for the Hudson Valley, Long
Island, and New York.</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com5tag:blogger.com,1999:blog-5599636311448752103.post-61581434896992779212014-02-06T20:12:00.001-08:002014-02-19T09:32:46.308-08:00How to Fix a Frozen PipeAs I watch the weather on the news I am constantly seeing words like "Arctic Blast" and "Polar Vortex" scrolling across the screen all with subzero temperatures in the flashing up in the negatives and the they flash the wind chill which is even colder. The weather guy looks about as excited as a kid on Christmas. While I think that playing the name game with every new storm, closing major roadways in Long Island and the 24/7 coverage of the upcoming inch of snow and negative temps is a little overkill, there is still a concern for the safety of people and pets. And yet, out of all of the news reports, what was disheartening was that I only saw one report talking about preventing frozen pipes.<br />
<br />
<b>What Can I Do To Prevent My Pipes From Freezing?</b><br />
<br />
It is important to take the necessary precautions to prevent your property from becoming the next coolest ice sculpture, especially if you have a home or business space which is not occupied during these frigid temps.<br />
<br />
Why do pipes burst? When frozen water expands and pipes will cracks and can eventually burst. Whether you have copper or even the new plastic piping it doesn't matter, this can still happen. In these temperatures, you run the risk of your pipes cracking and having water leaking all over your property if you are not taking precautions and leave your heat at 65 degrees. If you have sprinklers throughout the buildings of a business or an apartment complex it is even more imperative that you take precautions to keep the heat running during this time. If you rent and know the apartment above you is empty, give your landlord a call to make sure the heat is on upstairs. Trust me, I have seen firsthand a huge mess when an upstairs apartment has a pipe bust. Your entire home or business will be ruined from water damage. Another tip to prevent freezing is to keep the water running, even at just a trickle.<br />
<br />
<br />
<b>"I didn't listen to you & now my pipes are frozen - now what?"</b><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilIVKeeVvGNLMHh31uI8Lmf1vswxGVlvQbRvBqnprvXN6145gW6xIZ-sZoSvj8VcXvDcWpldYfIi5yIG_LPp42k5luV9UX44m9rlYWYCwqMlrOa_xoqk0szDw7vJQQaYKBHg0GoZcTA_WD/s1600/frozen_pipe.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEilIVKeeVvGNLMHh31uI8Lmf1vswxGVlvQbRvBqnprvXN6145gW6xIZ-sZoSvj8VcXvDcWpldYfIi5yIG_LPp42k5luV9UX44m9rlYWYCwqMlrOa_xoqk0szDw7vJQQaYKBHg0GoZcTA_WD/s1600/frozen_pipe.jpg" height="212" width="320" /></a></div>
<br />
When you have frozen pipes follow the first rule - DO NOT USE A BLOW TORCH OR OTHER OPEN FLAME! If you don't listen and thaw your pipes with a blow torch, you run the risk of the exterior or interior walls catching fire. Then you have a much bigger problem on your hands!<br />
<br />
While monitoring it, you can use a small space heater or a hair dryer - not unsupervised. You can also use warm water and run this around the pipes, or down the pipes. You can also use a device made for thawing pipes specifically.<br />
<br />
If you want more information on how to protect you and your family this winter season, call us at 888-565-2212. We specialize in <a href="http://www.bryanagency.com/" target="_blank">Long Island home insurance</a> and New York Business insurance. Stay warm out there and try to stop watching all of the crazy weather updates. Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com6Glen Cove, NY, USA40.8623217 -73.63373890000002640.766268700000005 -73.795100400000024 40.9583747 -73.472377400000028tag:blogger.com,1999:blog-5599636311448752103.post-74900989667436086782014-01-17T09:45:00.000-08:002014-01-17T09:45:06.598-08:00The Basics of Long Island Homeowners Insurance<div class="plainText" style="padding: 10px 10px 20px 0px;">
<span itemprop="articleBody">Accidents and natural disasters can
take you by surprise at any time, and having a comprehensive homeowners
insurance policy will keep you and your family protected. These policies
are designed to cover the cost of repairs or replacements of your house
and your possessions that result from an assortment of covered events,
including fire, severe weather, theft and vandalism. Flood and
earthquake insurance will likely need to be purchased separately, if
desired.<br />
<br />
Homeowners insurance covers these incidents up to policy limits,
which can vary depending on the coverage you select and the premium you
opt to pay. This means that your property or liability claims won’t be
covered past the limit you select on your policy. This is plenty of
coverage for many people, but other people who own expensive items may
need more coverage. This could apply to you if you have expensive
jewelry, electronic equipment, fine artwork, rare collections or any
other items of high value. In such cases, you can purchase coverage with
higher property limits or you can add riders to your policy to cover
specific high-value items such as a collection of custom-built
furniture.<br />
<br />
The premiums you pay for this valuable coverage can vary widely
between insurance companies, which makes it important to compare quotes.
Your independent insurance agent can shop around for policies that meet
your unique needs and discuss coverage options with you so you can make
an informed decision on which policy is best for you and your family.
Don’t forget to ask if you qualify for discounts such as a safe home
discount.<br />
<br />
Protect your house and everything inside that makes it a home. Call
Bryan Insurance Agency at (888) 565-2212 for more information on <a href="http://www.bryanagency.com/homeowners/default.aspx"><strong><span>Long Island home insurance</span></strong></a>.</span>
</div>
Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com27Long Island, New York, USA40.7891424 -73.13496049999997739.251576400000005 -75.716747499999983 42.3267084 -70.553173499999971tag:blogger.com,1999:blog-5599636311448752103.post-4538624291153725432013-12-20T08:32:00.000-08:002013-12-20T08:32:03.725-08:00Commercial Property Insurance CoveragesCommercial property coverage is one of the
most basic forms of business insurance and comes standard in most
business policies. If you’re a business owner, you probably have this
coverage. But what exactly does it cover? Each policy from various
insurance carriers will differ in terms and conditions, exclusions and
limitations. Below is a list of general items that are likely to be
covered, however, you should check with your agent or insurer for the
specifics of your unique policy.<br />
<ol>
<br />
<li><b>Computers and media:</b> Similar to personal
property coverage, this policy covers computers, hardware, software etc.
It can also cover replacement or repair of lost or damaged data
resulting from covered damage to computer equipment.</li>
<li><b>Equipment breakdown:</b> Covers the expenses
associated with repairing or replacing equipment following mechanical
breakdown, including air conditioners, boilers, phone systems, break
room appliances etc.</li>
<li><b>Personal property:</b> This includes contents owned by the business, which may include furniture, merchandise, fixtures/artwork, raw materials etc.</li>
<li><b>Laptops:</b> This coverage is unique from general
computer coverage because it protects laptops and other portable/mobile
devices at any location worldwide, and even while in transit.</li>
<li><b>Lock and key replacement:</b> Covers the cost of rekeying your business’ locks following the theft of the keys to the premises.</li>
<li><b>Property of others:</b> Protects you against
damages or loss to the property of customers that is in your business’
possession, such as computer equipment undergoing repairs by your
business.</li>
<li><b>Business income:</b> Offers reimbursement for a
loss of earnings resulting from a covered loss or damage to your
property. It can also cover higher costs of continued operations after a
covered claim.</li>
<li><b>Money and securities:</b> Covers money and securities used in your business if they are lost, stolen or damaged.</li>
</ol>
<br />
Your agent can help you select a policy that has the coverages your
business needs for optimal protection of its assets. Don’t miss the
chance to work with a professional agent in finding the right policy at
the right price.<br />
<br />
Ask us about how to properly insure your business. Call us at 888-565-2212 for more information on <a href="http://www.bryanagency.com/business/default.aspx">Long Island business insurance</a>.Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com5tag:blogger.com,1999:blog-5599636311448752103.post-53660617298730079842013-11-11T10:32:00.000-08:002013-11-11T10:32:08.031-08:00Commercial Auto Insurance Pollution Coverages and ExclusionsIt makes sense for insurance companies to
control their liability as much as possible. This is why certain
pollution exclusions exist in commercial car insurance policies.
Insurance carriers can also offer coverage that protects you from
specific risks of your business. As such special pollution coverages can
be added to a commercial car policy. Here are the differences between
the exclusions and coverages.<br />
<br />
<b>
Pollution Exclusions</b>
<img alt="Factory box" src="http://www.bryanagency.com/img/%7Ewww.bryanagency.com/211213_3300_small.jpg" style="float: left; margin-left: 0px; margin-right: 7px;" /><br />
Your
commercial auto insurance will cover any bodily injuries that staff
members suffer in an accident. Those will injuries will not be covered
if they are a result of the release, seepage, dispersal or escape of
pollutants from that vehicle. Most of the time, employees should not be
dealing with pollutants. The only case they would be is if they have the
appropriate coverage for it. Obtaining coverage is relatively easy when
your workers are handling pollutants in the correct manner. Most
businesses don’t have anything to do with waste or pollutants, only some
businesses will need to deal with that. Before you decide whether the
exclusion with affect your business, you should ascertain what exactly a
pollutant is. Even simple items like paint and industrial solvents may
be considered pollutants which will make events like an office
renovation a risk when transporting pollutants.<br />
<br />
<b>
Pollution Optional Coverage</b>
<br />
There are certain times when your business needs to be involved in
transporting and dispersal of contaminants. If you have coverage and are
compliant with waste handling regulations, and an accident occurs, then
your insurance carrier will not exclude the claim. If you are handling
waste and pollutants on a regular basis, then you should definitely
include that coverage. This will help when it comes time to handle
claims for injured workers, and it will also help with paying fines to
the government for accidents or spills.<br />
<br />
Assess your daily activities and decide whether or not to add pollution
coverage or to exclude it. Is it practical for your business? Is it
worth the risk to forgo it?<br />
<br />
If you'd like to sign up for <a href="http://www.bryanagency.com/business/default.aspx">Long Island commercial auto insurance</a>, please don't hesitate to give us a call at 888-565-2212.Anonymoushttp://www.blogger.com/profile/05420182279757628618noreply@blogger.com4Long Island, New York, USA40.7891424 -73.13496049999997739.251576400000005 -75.716747499999983 42.3267084 -70.553173499999971