Pepe Insurance Agency BLOG |
Everyone loves pizza! Pizza is big business. There are at least 10 pizza restaurants within 10 miles of our office, maybe even more than that. Yet, every one of them are successful and has their own loyal patrons. Pizzerias are multi-faceted establishments. They are part food-delivery services, some are also restaurants, some are strictly fast food with a few tables, some offer catering, and some also offer food delivery.
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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.
Owners of garages and auto repair shops need business insurance to protect their assets from the risks associated with making repairs to other people’s vehicles. Any kind of injury, error or property damage can result in a costly claim or lawsuit. Two of the most important insurance policies for an auto repair shop are garage liability insurance and garage keepers insurance.
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. Yes, absolutely! Anybody with a mortgage, has a spouse and children, and significant debt should consider purchasing term life insurance. If you are the sole wage earner in your family, life insurance is vital to making sure your family is financially secure in the years after your unexpected passing. Have a 20-year mortgage on your home? Consider taking out a 20-year term policy to at least cover the mortgage.
Tree damage is considered a "falling object" when it comes to homeowners insurance perils. If a tree falls on your house or other structures due to a covered peril (such as a windstorm, lightning bolt, falling object), your homeowners policy will take care of it. The tree doesn't even have to be from your own yard to collect compensation. The tree can be from a neighbor's yard or from public property. As long as you have the right coverage, you should be protected.
Personal umbrella insurance is extra insurance coverage that protects you from major claims and lawsuits. Your auto insurance and homeowners insurance have coverage limits. A major claim could be greater than either one of those coverage limits. Personal umbrella extends those coverage limits and also provides additional protection so that won't be left in financial ruin.
You are taking a vacation and decide to rent a car for the week. You are now standing at the rental car counter and the agent asks you if you want to purchase car rental insurance. You didn't spend any time researching your options and are unsure if you need to purchase the insurance. Do you need it?
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