​Youth sports are a popular recreational activity in our area of Dutchess County and the entire Hudson Valley and beyond. Whether it be baseball, softball, soccer, football, or any other sport, they are an enjoyable pastime for the entire family. On an given day, you see multitudes of teams practicing and playing their sports. Team spirit and good sportsmanship are learned and forever friendships are formed. 

​Life insurance is one of the most valuable financial products that a young family can purchase. It is solely designed to provide financial support in the event that a wage earner in the family should die unexpectedly. Think about the consequences to your family if you were to suddenly die and your family has lost all of their income. Life insurance can help replace some or all of that income.​​

Several life insurance companies today offer life insurance with no upfront medical exam, up to certain death benefit limit.  At the time of application, you are not required to undergo a medical exam until the company requests one. A life insurance medical exam generally requires you to give blood and a urine specimen, have blood pressure taken, have height and weight measured, and answer many medical questions from the exam vendor. It can be a great option if you are in excellent health and not looking for a large amount of death benefit. ​​​

Yes, it does, but only up to a certain limit. Homeowners insurance policies typically provide limited coverage for jewelry. Insurance policies differ from one company to the next, but policies typically limit coverage for jewelry and other types of valuable items. The most common of homeowners insurance policies in New York impose a limit of $1,000 to $2,000 for loss by theft of jewelry. If your $15,000 diamond engagement ring is stolen, you might only receive $1,000 for the diamond ring.  

No-fault insurance is a type of auto insurance coverage that helps pay for your or your passengers' medical bills if you are injured in an accident, regardless of who caused the accident. No-fault insurance is also called personal injury protection, or PIP. New York is one of a few states who follow this type of system. PIP is a mandatory and not an optional part of your New York auto policy.  The minimum amount of PIP coverage in New York is $50,000. You can purchase more PIP for extra premium.