Why Do You Need Condo Insurance?

When looking at condos, you can’t forget about your other expenses. This may include condo insurance. Experienced agents at Windgate Insurance Agency Inc. serving the New Windsor, NY community will highly recommend getting this coverage. Though you may think that you don’t need this extra expense, you need to have insurance for your condo.

Here are some reasons why:

Your mortgage company may require you to have insurance. Most mortgage companies want their clients to have insurance for their homes. This protects their investment, in case anything happens. 

Your condo association may also require insurance. All condo associations have rules that they expect you to follow. They may require insurance in order to protect your community. 

Most people can’t afford to not have insurance. Insurance will help you when you need it most. If your roof is damaged in a storm and needs to be replaced, your insurance should pay. If you have a major leak in your home due to it, your insurance will help to cover the costs. Even a small leak could cost you a few thousand dollars to fix. 

It will also cover your possessions. You also need to think about the items you have in your home. Your condo insurance will cover your furniture, clothing, and other things. 

If you are wondering if you need insurance, you probably should get it. Though it costs you every month (or once or twice a year), home repairs can cost you thousands of dollars, even more, if you find a serious plumbing or electrical problem. That being said, you may not have a choice. Your mortgage and condo association may require you to have insurance. 

If you want to ensure that you are fully protected in your condo, don’t hesitate to contact us today at Windgate Insurance Agency Inc. in New Windsor, NY.

Is Term or Whole Life Insurance Better For Me?

When it comes to providing financially for loved ones after your untimely death, there are two main types of life insurance to consider: term and whole life. The main differences between these two types of life insurance are the length of coverage and the cash value. Term life does not offer a cash value, and since it is purchased for a specific period (10, 15, 20, or 30 years), you could outlive the policy and not receive any benefit. Conversely, whole life insurance is valid for your lifetime and includes a cash value, but those benefits come at a higher price point. 

Both whole life and term life insurance policies include a payout – otherwise known as a death benefit – that cannot change and is guaranteed. If you outlive your term life policy, there is no payout, and although you have the option to extend the policy, it will likely be at a higher cost. Whereas term life insurance does not generate cash value, whole life does and can be used as a mechanism for investment. The cash value is meant to be used, and a loan can be taken against it for any purpose; however, if you die without paying back the loan, any outstanding figure is deducted from the payout. 

With these differences fresh in mind, there is no better time than now to safeguard your assets and protect your loved ones than by purchasing a life insurance policy. At Windgate Insurance Agency Inc. in New Windsor, NY, we recognize and understand that choosing between life insurance policy types can be daunting, so we strive to simplify the process. Give us a call today to learn how we can help you with all your insurance needs.

Required Auto Insurance in New York

Every state has its own requirements for motorists, and like others, New York requires its drivers to have auto insurance. In the state, proof of that insurance must be available at all times while you’re driving. If you drive in New York, don’t face fines, fees, and other penalties. Give us a call at Windgate Insurance Agency Inc. in New Windsor, NY to find out more. 

Liability Coverage

There are two types of liability coverage that are required in New York auto insurance, and three different amounts are required. There is an amount necessary for bodily injury for when one person becomes injured in an accident caused by you. Then, there is a second amount that is for bodily injury liability for an accident that you cause. Third, there is an amount required for property damage that is done to a third party. This can be damage to their vehicle or to anything else that was struck. These amounts are very low when compared to other states. It can be a smart decision to get more coverage than the law requires so that you are better protected. 

Uninsured and Underinsured Motorist

This coverage is required for bodily injury to you and your passengers if you were struck by a motorist with no insurance or not enough insurance to pay for your medical bills. This can also be used if you were hit by a hit-and-run driver. 

Personal Injury Protection

This coverage is required to pay for your own injuries after an accident. The required amount is on par with other states that require it, but adding to it can be helpful. 

Stay Protected With Auto Insurance

If you are a driver in New York, you have to have all of these coverage types. Don’t risk fees or having an accident without insurance. To get started, give us a call at Windgate Insurance Agency Inc. in New Windsor, NY.

Do I Really Need Commercial Insurance in New York?

Looking for some information on commercial insurance for your business in New York? You’re in the right place! Here at Windgate Insurance Agency Inc., we’re dedicated to serving the New Windsor, NY area, and helping business owners select the most well-suited policies for their business goals and needs. 

New York is a fantastic place to own a business, and many who start here find their companies thrive very quickly in this area. Whether your company is experiencing growth or you are just getting started, we have coverage options that will suit your current needs, while allowing you to plan and strategize for growth in the future as well. You’ve got big dreams for your company, and we want to help you scale up without worrying about anything insurance-related. 

Commercial insurance is designed to protect the business owner, your assets, investors, partners, and employees through every phase of growth. Any piece of your business that could be vulnerable, including your inventory, employees, a warehouse or property, should be adequately covered by insurance. While nothing may ever happen that could threaten the well-being of these entities, should something happen – you’ll be very glad you invested in commercial insurance to lighten the load of financial stress you may experience. 

You’ve worked so hard to grow and scale your business – commercial insurance is just a stop along the way to prosperity and success. If your company needs insurance and you need a trusted advisor to help guide you, contact the team at Windgate Insurance Agency Inc.

We’re here to help serve business owners in the New Windsor, NY area and we’d be happy to sit down with you and learn about your insurance needs. Contact us today! 

What is the value of having commercial insurance in New York?

Those that are in the New Windsor, NY area will find it can be a good place to start a business. If you choose to be a business owner here, getting proper insurance for your organization will always be important. There are several ways that having this coverage can be valuable for your organization. 

Mitigate Your Liability Risk

A good reason to always have a commercial insurance plan in this state is so you can mitigate your liability risk. No matter what type of business you run, there is always going to be a chance that you could be found liable for damages to a customer, another business, or another individual. With a commercial insurance plan, you will get the support needed to help mitigate this risk.

Protect Business Assets

As you are looking to build a business in this part of New York, you will eventually want to invest in some quality assets to help the business grow. When you are looking to purchase any core assets, having the right coverage for them will be very important. With a commercial insurance plan, you will get the support that is needed to fully protect your business and assets.. This could help to save you a lot of money if assets are stolen or damaged. 

People that want to start a business in the New Windsor, NY area always need to have the right commercial insurance in place. As there are a lot of choices to make when looking for commercial insurance, calling the Windgate Insurance Agency Inc. can be a great option. When you speak with Windgate Insurance Agency Inc. you can learn all that you need to ensure you are able to choose a plan that is right for your business. 

Is Home Insurance Required in New York?

Homeowners in New Windsor, NY should be well versed in the requirements of insurance in the state. While it’s not legally mandated to maintain a home insurance policy, your lender will most likely require you to have an insurance policy on the home. 

Windgate Insurance Agency Inc. highly recommends pursuing an insurance company that has experts in the field that can accurately assess your property to provide a quote and plan that best suits your lifestyle and needs. Anybody can sell insurance, but it’s important to select a company that knows what they’re doing and are passionate about helping you feel protected within the four walls of your home. 

What Does a Home Insurance Policy Cover?

The home insurance policy you select can vary, but the majority of these types of plans include coverage for the structure of your home, the personal belongings inside the home, and any structures on your property, like a pool or detached garage. If your property includes any of these, that’s a great point of clarification to get when you meet with an insurance provider. Make sure you determine what items on your property need insurance and the valuable items within your home as well. 

Taking an inventory of your home and its precious items is a great way to protect any financial investments you’ve made over the years. Home insurance can offer protection from burglaries, damage from weather and natural disasters, repairs needed, and much more. 

Life in New Windsor, NY truly can’t be beaten. If you’re a homeowner and interested in evaluating your current policy or pursuing a new one, contact the team at Windgate Insurance Agency Inc. We’re here to help. 

Do I Really Need Classic Car Insurance?

When you have an old car in New Windsor, NY, the vehicle is so much depreciated that you don’t really need collision and comprehensive coverages. However, for your classic car, things are different. Instead of depreciating, antique cars rise in value. And for this reason, you need special insurance coverage to protect the true value of your car. 

 So, if you find yourself asking whether you need classic car insurance, the answer is yes. Classic car insurance protects your pride and joy, and it’s a must-have if you value your piece of history. Do you need more reasons as to why classic car insurance is an asset? Windgate Insurance Agency Inc. shares more reasons why classic car insurance is a necessity.

Liability protection

You may not use your antique car daily, but liabilities can arise as long as you drive it. For instance, if you rear-end someone on the highway, you may face bodily injury and property damage claims from third parties. Luckily, if you have classic car insurance, you don’t have to incur out-of-pocket expenses.

It’s required

Remember that your antique car is considered as any other car, and therefore, the law requires you to purchase the minimum required auto insurance. If you want to stroll across New York roads with your collector’s car, you must include liability coverage in your classic car insurance. 

Otherwise, you may face penalties and fines for non-compliance. But is this really necessary?

Provides special coverages

The beauty of classic car insurance is that it provides coverages that are unique to your classic car. For instance, no-attendance coverage covers your car in events even in your absence. Spare parts coverage compensates you for replacement parts that are expensive and hard to find.

Purchase classic car insurance today!

Are you looking for a trustworthy insurance agent to partner with for your classic car insurance needs? Please consider Windgate Insurance Agency Inc. in New Windsor, NY. We will offer you classic car insurance that protects the worth of your car.

What does my New Windsor, NY renters insurance include?

Insurance isn’t just for homeowners. Renters need protection too.

Renters insurance is designed specifically for tenants who are renting an apartment, home, condo, or any other living space. While the landlord should have their own plan, this typically only includes the building and excludes your personal possessions. Not having your own policy leaves you at risk.

Windgate Insurance Agency Inc. wants to make sure you and your belongings are safe. Serving in New Windsor, NY, the agency can find a plan that’s right for you. While different options are available, most renter’s insurance plans include these three different categories.

Personal property

Your possessions are valuable. A renters insurance policy will cover replacement costs if damaged, destroyed, lost, or stolen. If a natural disaster, mechanical issue, or another damaging event does happen, you will be reimbursed up to your policy limit. Conduct a home inventory, detailing the value of your possessions. Using this information, your agent can help you set your coverage limits.

Liability protection

Unfortunately, accidents happen. If one does occur and you’re found responsible, liability protection will kick in. For example, if some slips and falls inside your apartment, your renter’s insurance policy may cover their medical bills. This also extends to any legal fees if you are named in a lawsuit. 

Loss of use coverage

Your rental is your home. But, if it becomes inhabitable, you may have to find a temporary place to stay. In the event that you are forced from your residence due to a catastrophic event, a renters insurance policy will compensate you for any living expenses you may accrue. 

Work with an agent in New Windsor, NY

Don’t leave you or your possessions exposed. Plan ahead. Contact the Windgate Insurance Agency Inc. to secure much-needed protection with an individualized renters insurance policy.

New York Motorhome Insurance: RV Security Tips to Prevent Motorhome Theft

When you have a motorhome in New York, security is always going to be on your mind. Of course, New York motorhome insurance can help protect you with comprehensive coverage, but you’re still going to worry about being a victim of motorhome crime. 

At Windgate Insurance Agency Inc., we want New Windsor, NY residents to feel less stress when they go on their road adventures. A few motorhome security tips may give you some additional peace of mind when you are enjoying your road trips and summer adventures.

Use Visible Deterrents

You don’t have to spend a lot of money on security sometimes. A visible deterrent is just that, a deterrent. These include a wheel clamp or a steering lock, which can be an effective way to deter anybody that wants to break into your RV.  

These devices will serve as a barrier and may ward off potential thieves. If your RV is a manual or stick shift device, a clutch lock can protect them from taking the car.

Motorhome Alarms

Take your security up a notch with motorhome alarms that can be fitted anywhere on your RV. You can add a state-of-the-art system or a simple alarm that will help you feel more secure when you are on the road. You may want to get a system that monitors or notifies you of any detected threats or alerts.


Trackers are among the most popular motorhome security features when you are upping the security on your RV. This enables you to locate your motorhome at all times and will be handy in the event of a theft.

These can be costly but are liked by insurance companies as they are less costly than that of a replacement vehicle.

Secure Your Motorhome Today

Whether you are considering a big RV trip or not, adding more security to your motorhome is never a bad idea. At Windgate Insurance Agency Inc., we want New Windsor, NY residents to feel more protected on the roads, and at home. Call us for a quote to make your RV adventures more secure today.

New York Motorcycle Insurance Guide: Most Common Motorcycle Accident Causes

When you are a motorcycle rider in New Windsor, NY, you want to make sure that you have all the motorcycle coverage that you need. As a motorcycle rider, you have additional risks on the road and a greater potential for accident and injury. 

At Windgate Insurance Agency Inc., we want New Windsor NY motorcycle riders to have the motorcycle insurance they need to protect themselves from every possible loss. We know what the most common causes of motorcycle accidents are, and how to protect you financially from them.

Loss of Control

Loss of control of your bike is among the most common causes of motorcycle accidents. This could be caused by anything from bad weather to drinking and driving. Loss of control of your bike may also occur when you are rear-ended, or other drivers fail to check their blind spots at intersections.

Distracted Driving

Distracted driving accounts for thousands of fatalities on the roads every year, both with vehicles and with motorcycles. This can include texting while riding your bike, or not thinking clearly when you are driving.

When you stop paying attention while you are riding your bike on the road, you run the risk of getting into a collision. You could be looking the wrong way, turning your head at the wrong moment, or being distracted by your phone. It will only take a second to get into a collision that could change your life.

Poor Visibility

Bad weather or low lighting conditions could result in a collision on your motorcycle. More motorcycle accidents happen at night than at any other time of the day. If you don’t have to go out on your bike at night, then avoid that if you can. It could reduce your risk of a collision and reduce the impact on your motorcycle insurance.

Get a Quote

When you are looking for motorcycle insurance in New Windsor, NY, call Windgate Insurance Agency Inc. for a quote. We know what kind of protection you need, and what will help you to sleep better at night.