Do I Have Enough Motorcycle Insurance?

Motorcycle insurance is a legal requirement in New York, and you may be questioning the extent of coverage you need. At Windgate Insurance Agency Inc. in New Windsor, NY, we provide motorcycle insurance coverage.

Legal Requirements

Initially, you must ensure that your motorcycle insurance adheres to the minimum coverage limits. These include $25,000 per person and $50,000 per accident for bodily injury coverage and guest passenger protection. You’ll also need $10,000 for property damage coverage, $25,000 for uninsured motorist coverage, and $50,000 for personal injury protection, also known as PIP.

Lender Requirements

Full coverage motorcycle insurance is necessary if your motorcycle is under a loan or lien. This coverage covers damage to your bike, repair costs, and replacement if necessary.

Do You Need Full Coverage?

If your motorcycle isn’t under a loan, you may be pondering on the necessity of full coverage insurance. However, full coverage insurance is advisable to protect your investment if you lack the financial ability to repair or replace your bike following an accident.

Ensure that the coverage limit is sufficient to replace your bike in case of total damage.

Other Coverage Types

For customized bikes or bikes with costly accessories, consider carrying accessory coverage. Standard policies typically don’t cover aspects like custom paint jobs and saddlebags. An accessory policy covers these items, enabling you to repair or replace them if they get damaged.

Roadside Assistance and Trip Interruption

In the event that your bike malfunctions while on a trip, roadside assistance and trip interruption coverage can provide assistance. This cover can take care of bike towing or repairs and provide transportation or housing if you are far from home.

Motorcycle Insurance at Windgate Insurance Agency Inc.

If you need motorcycle insurance in New Windsor, NY, contact Windgate Insurance Agency Inc. Our amicable agents will discuss your needs and assist you in selecting the most suitable policy.

Is Motorhome Insurance Necessary if It’s a Rental?

If you’d like to learn more about motorhome or recreational insurance products and protection, the experts at Windgate Insurance Agency Inc. can help. We are committed to offering the residents of and around the Highland Falls and New Windsor, NY, area the best insurance products and customer service possible. Let us help you gain peace of mind through top insurance options. 

Motorhome Insurance Protection

Does motorhome rental need to be insured or not? You should be concerned about this insurance because of its sense of security and benefits. Renting vehicles is not without its own set of issues that may require insurance policies. Insurance providers offer certain general insurance but will also offer it with disclaimers or restrictions. Therefore, that could leave you feeling insecure and like you have no insurance when involved in an accident or damage. When you opt for motorhome insurance, the liability coverage includes the potential for collisions and likely covers all the equipment inside the vehicle.
An additional safeguard for your rental vehicle will be an individual insurance policy; this way, you can pick the coverage that suits you and your preferences. Most of all, you can be sure that you have no obstacles no matter what you will face on the road. Being proactive with motorhome insurance is a wise move because it helps you identify many serious what-ifs and their possible consequences. You’ll get substantial financial protection against different issues you could face during your trip, which offers you peace of mind so you can relax and enjoy your experience. 

Motorhome Insurance Near New Windsor, NY

If you’re ready to learn more about our range of insurance products, we are ready to help. Windgate Insurance Agency Inc. strives to offer the residents of the Highland Falls and New Windsor, NY, area the best quality insurance products and superior customer service. Please call or stop by our office today to speak with one of our agents. 

Do You Need Watercraft Insurance For a Jet Ski?

At Windgate Insurance Agency Inc., serving New Windsor NY, we know how vital it is to select the right insurance coverage individualized for a particular occasion. Our team of highly qualified professionals is ready to help you make this important decision and advise you every step of the way until we find the coverage you need. 


We offer the best services as well as have a wide assortment of insurance plans to provide for our clients. But what sets us apart from the rest is that our main priority is to educate our clients about life decision-making that will enable them to protect themselves and to maintain a sound financial state decision, which is peace of mind. Rely on our competent and well-trained team at Windgate Insurance Agency Inc. for navigating the complexities of insurance and making the right choices for you.

Recreational Insurance Protection

If you’re thinking of watercraft insurance coverage for a jet ski, make sure that it’s comprehensive for your recreational vehicle. Windgate Insurance Agency Inc., serving New Windsor NY, offers specialized policies designed to satisfy the particular requirements of jet ski owners. Insurance for a jet ski as a watercraft can offer coverage against unexpected occurrences like accidents, theft, and property damage. 

Moreover, liability insurance is important to protect you from liability with respect to possible legal and medical expenses that may arise from accidents with your jet ski. The investment in watercraft insurance from a reputable distributor such as Windgate Insurance Agency Inc., will allow jet ski owners to have the peace of mind that they are protected in a number of instances on the water. Careful policy review and advice from insurance experts is essential to have the right coverage for the jet ski.

Quality Insurance Near New Windsor NY

When you seek a customized insurance policy to cater to your needs, there’s nowhere you can better go to than Windgate Insurance Agency Inc. serving New Windsor NY. We provide our clients with a dedicated team of experts to guarantee the right insurance coverage in today’s complex world. Feel free to reach out to us right now to start your insurance journey with peace of mine that you have a reliable guide. Our clients’ well-being is what drives us, and we will provide every client with individualized and professional service at every level.


How Umbrella Insurance Enhances Community Well-Being

Communities in and around New Windsor, NY thrive when individuals feel secure and protected. While many may be familiar with various forms of insurance, such as auto or home insurance, umbrella insurance plays a crucial but often overlooked role in enhancing community well-being.

Comprehensive Protection for Individuals and Families

Umbrella insurance is an added liability coverage for auto or homeowners insurance policies. It protects against lawsuits and claims resulting from accidents, injuries, or property damage for which an individual may be held responsible. This comprehensive coverage not only safeguards individuals and families but also contributes to the overall sense of security within a community.

Mitigating Financial Risks

In the event of a significant liability claim, such as a severe car accident or a lawsuit stemming from an incident on one’s property, the costs can escalate beyond the coverage limits of standard insurance policies. Without adequate coverage, individuals may face financial ruin, leading to ripple effects within the community. Umbrella insurance helps mitigate these risks by providing additional coverage, ensuring that individuals do not bear the entire financial burden.

Promoting Responsibility and Accountability

Knowing they have umbrella insurance coverage encourages individuals to act responsibly and take precautions to prevent incidents that could lead to liability claims. This heightened awareness promotes safer behavior, benefiting individuals and delivering a safer environment.

Strengthening Community Bonds

By investing in umbrella insurance, individuals contribute to their community’s collective well-being. When everyone has adequate protection against potential liabilities, it fosters a sense of solidarity and mutual support. Knowing that one’s neighbors are protected can strengthen community bonds in times of crisis or unforeseen circumstances.

How Windgate Insurance Agency Inc. Can Help You

At Windgate Insurance Agency Inc., we can help answer questions concerning umbrella insurance. We serve the New Windsor, NY, area. Call us today.  

Determine If You Have Adequate Coverage for Your Condo

A simple assessment can help determine whether you have enough condo insurance coverage. Use the following tips to help you pinpoint if your insurance policy needs updating.


Review the location of your condo. Do a lot of burglaries occur in the area? Have you witnessed some natural weather events that have damaged neighboring properties? If you answer yes to either of these questions, you may want to increase your condo policy’s insurance coverage.


Prepare a list of your assets. The list should include furnishings, clothing, artwork, jewelry, tools, recreational equipment, and any other valuable possessions. Review your insurance policy. The review will provide insight concerning the coverage amount you currently qualify for.

You may notice that one or more of your assets aren’t covered or not provided with sufficient coverage. If so, you will need to have your condo insurance policy updated.

Structural Design

Inspect the structural design of your condo. The design may influence the likelihood of your residence becoming damaged in the future.

For instance, if your home is not adequately insulated, it may risk encountering water damage. Seek repairs to the structure if needed. Once repairs have been made, have your condo insurance policy reviewed and modified.

Contact Windgate Insurance Agency Inc.

Your condo is likely one of the largest investments that you have made in your life. It is important to equip your condo with adequate insurance coverage for the entire duration you reside in your home.

Contact one of our agents who serve New Windsor, NY. An agent at Windgate Insurance Agency Inc. will schedule an appointment to update your existing insurance policy.

I’m young and don’t have my own family. Is it too early to invest in life insurance?

Life insurance has many benefits that can help people of all ages. Plus, there are different kinds of life insurance to meet specific needs. Our Windgate Insurance Agency Inc. team knows that understanding life insurance can be difficult for anyone. As a result, we take pride in educating New Windsor, NY residents on how life insurance works, what’s available to them, and the different types of life insurance. 

What is life insurance?

Life insurance is a form of insurance that pays a named beneficiary or beneficiaries when you die. Some policies have living benefits as well. Typically, people purchase whole life insurance that is good for the entirety of a person’s life or term life insurance. Term life insurance is good for a specific period. When you invest in life insurance, you pay a monthly sum for the life of the terms of your policy. When you pass away, your beneficiaries receive a lump sum of money that can be used however they see fit. Life insurance can have many moving parts, including different benefits unique to your situation. However, it would be best to make your payments monthly, without lapse, for your policy to remain active. A lapse in your policy or an extended payment period would cancel your insurance, and your beneficiaries wouldn’t receive any money in the event of your death. 

Is it too early to invest in life insurance?

As a young person, life insurance is likely not the first thing on your mind. However, investing in young people can have benefits. For example, investing at a young age could help you to lock in a good rate over the life of your policy. Also, investing early would put you in a good position once you have a family. However, even without a family, life insurance still has benefits that would be helpful when you pass away. If you have questions regarding the benefits of life insurance, call us.

When Should I Drop From Comprehensive to Liability Coverage?

If you have a vehicle in New Windsor, NY, you already know you need car insurance. That said, not all insurance policies are the same, and if you’ve had your vehicle long enough, you might wonder if it still needs full coverage. This little guide from us at Windgate Insurance Agency Inc. can help you think about that.

Differences in Coverage

First, let’s be clear. The idea of dropping from comprehensive to liability-only coverage doesn’t have to happen simultaneously. You can step down coverage for the vehicle as it ages and certain coverage components start to feel superfluous.

Also, make sure to understand that liability-only coverage means that you get absolutely no compensation if your vehicle is damaged or stolen. Liability-only is what it sounds like. It only covers liabilities when you’re at fault in an accident. 

Lastly, liability coverage is required by state law. You can’t get rid of this coverage aspect, but generally speaking, it costs a lot less than comprehensive coverage.

When to Make the Change

Mostly, the decision comes down to money, and two situations justify a drop to liability only.

The first is when the value of the vehicle depreciates enough. If the car is only worth a few thousand dollars (or less), it might not be worth comprehensive coverage anymore. Your best test is to see how many months of insurance premiums it takes to equal the car’s total value. If you’re paying more than the car is worth in insurance every year, it’s time to lower your coverage.

The other situation is when another policy covers the vehicle. It doesn’t happen often, but you might get vehicle coverage through a job or a family member. There’s no reason to have two comprehensive plans on one vehicle.

If you think you might be in a situation that merits a change to your vehicle’s coverage, talk with your representative at Windgate Insurance Agency Inc. We can review your assets, existing policies, and specifics that might affect a New Windsor, NY, resident to help you make the best decision.

Essential Coverage: Commercial Insurance in New Windsor

For New Windsor, NY business owners, a commercial insurance policy is one of the more crucial decisions they must make. However, several myths need to be debunked before an informed choice can be made. Windgate Insurance Agency Inc. is here to help with that. Let’s take a moment to dismantle said myths, shall we?

Small Businesses Don’t Need Insurance

“My small business does not need any insurance. We’ll be fine,” you say. We have heard this before, and nothing could be further from the actual truth. The size of the business will play zero role in whether they need a commercial policy. While a smaller business may require less coverage than a larger one, the idea that they do not need coverage at all is a total misnomer.

My Homeowners’ Policy Is All I Need

A homeowners’ insurance policy is also great, but it will not be able to provide the necessary protections. In these instances, a commercial insurance policy and a homeowners’ policy should be considered as totally separate entities. Homeowners’ insurance does not provide a business with any level of protection.

Cyber Attacks Aren’t That Common

In this day and age, this mentality will lead to all sorts of short and long-term difficulties. While cyberattacks may not occur daily, that does not mean they never happen. No forward-thinking business owner can afford to find themselves behind the proverbial eight-ball if a cyberattack occurs.

If you have any additional questions, please feel free to schedule a hassle-free consultation as soon as possible. Windgate Insurance Agency Inc. is here to help New Windsor, NY business owners learn everything they need to know before making a final decision.

Homeowners Insurance 101: Choosing Adequate Coverage

Buying a new home can be one of the most exciting experiences in a person’s life. If you have recently purchased a new home, obviously, you want to protect your major investment, which is why buying homeowners insurance is so important. If you’re unsure exactly what homeowners insurance covers, here is an overview that can help. 

What Homeowners Insurance Covers

Homeowners insurance covers a lot, and in cases where you’re sued, your home is burglarized, or several other events, you won’t be required to pay for repairs out of pocket. Homeowners insurance also covers personal property, the property itself, damage from a fire, and much more. 

What Homeowners Insurance Doesn’t Cover

Like other types of insurance, homeowners insurance does have its limitations, and it doesn’t cover everything. Some things that it doesn’t cover are:

  • Damage from floods or earthquakes
  • Expensive jewelry
  • And more, depending on the specific insurer

The Benefits of Homeowners Insurance

There are definite benefits to ensuring you have adequate homeowners insurance. Firstly, most mortgage companies make having it mandatory so that you would be adhering to their rules. Another advantage of this type of insurance is that if you’re ever sued, your insurance company would pay for any damages, and you wouldn’t be required to pay out of pocket. Furthermore, homeowners insurance covers numerous situations, which could cost you a lot of money out of pocket without insurance.

As you can see, homeowners insurance is not only important, but in most cases, it’s mandatory. If your home is located in the New Windsor, NY area, and you’re searching for a new insurance agency, contact us at Windgate Insurance Agency Inc. We have served the New Windsor, NY area for some time, and our professional and friendly agents would be more than happy to provide you with a quote as well as any other information as well. 

Classic Car Insurance for Exotic and Rare Models: Coverage for Unique Investments

The privilege of owning an exotic or rare classic car is a cherished dream for countless automotive fanatics in and around New Windsor, NY. These exceptional vehicles, often one-of-a-kind, demand specialized care and protection and require a different class of insurance. 

Challenges in Ensuring Exotic and Rare Classics

Insuring these masterpieces can be a complex endeavor. Several challenges are unique to these vehicles:

  1. Appraisal Complexity: Determining the value of an exotic or rare classic car can be undertaken due to limited market data and the individuality of each vehicle. 
  2. Parts and Restoration: Locating replacement parts and conducting restoration work for these vehicles can be expensive. 
  3. Limited Mileage: Owners of exotic and rare classics frequently restrict their driving to preserve the vehicle’s pristine condition. 

Specialized Classic Car Insurance

Specialized classic car insurance is precisely designed to tackle the distinctive needs of exotic and rare classic cars:

  • Agreed Value Coverage: Like standard classic car insurance, policies for exotic and rare models offer "agreed value" coverage. This means the vehicle’s value is determined upfront and is paid out in full in case of a covered loss, irrespective of depreciation.
  • Appraisal Expertise: Insurance providers specializing in rare classics often have a network of seasoned appraisers who can accurately evaluate the vehicle’s value, considering its uniqueness and historical importance.
  • Parts and Restoration Coverage: Specialized insurance can cover the unique parts and restoration work that exotic and rare classics may necessitate. 
  • Limited Mileage Flexibility: Recognizing the restricted use of these cars, many policies offer flexibility in mileage restrictions while still providing comprehensive coverage.

Windgate Insurance Agency Inc. Can Help You

At Windgate Insurance Agency Inc., we can help answer questions concerning classic car insurance. We serve the New Windsor, NY area. Contact us today.