Renters Insurance: What You need to Know

You might think you don’t need insurance because you don’t own a property. Well, that would be wrong! The truth is renters insurance is not only available but may prove to be very necessary in the future. You might want to know a few things before you get renter’s insurance. 

What Is Renters Insurance? 

It’s also known as tenant insurance. Renters insurance covers personal items, which your landlord’s insurance won’t cover. If you must evacuate due to damages, renters insurance will reimburse you for lodging fees and food. It will also cover your legal costs if someone is injured in your home. 

Is It Required?

While renters insurance is not required by law, some landlords may insist on a renter’s policy. Know your policy well. Read it through to see if you have something that will pay to replace stolen or damaged property. Remember that loss due to flooding may not be covered by renters insurance. 

How Do I Go About Getting Renters Insurance?

First, assess your needs. Photograph or digitally record your possessions. If you own something with a serial number, write it down. Keep these records somewhere safe. After estimating the cost of replacing these items, you can choose an insurance company if the worst happens. Research their ratings and see if you can get a good deal. After that, you can start the application and fine-tune your policy. 

Contact Windgate Insurance Agency Inc. 

If you are interested in a renters insurance policy, then contact Windgate Insurance Agency. Our agents serving New Windsor, NY are guaranteed to put you first and see that you have complete satisfaction with knowledgeable and friendly service. 

Emerging Technology Trends in Motorcycle Insurance

Like other sectors, motorcycle insurance is experiencing the impact of emerging technologies and evolving trends. The emerging trends in motorcycle insurance, including usage-based insurance, telematics, and coverage for electric motorcycles, are helping motorcycle owners in and around New Windsor, NY obtain affordable premiums. These trends are shaping the future of motorcycle insurance by offering more personalized coverage options and accommodating the changing landscape of motorcycle ownership.

Paying for What You Use

Usage-based insurance (UBI), including motorcycle insurance, is gaining popularity across the insurance industry. UBI utilizes technology to monitor and track an individual’s riding habits, allowing insurers to offer customized premiums based on current usage. This trend benefits responsible riders who may ride less frequently or take safety precautions, as they can receive lower premiums compared to traditional fixed-rate policies.

Connecting Motorcycles and Insurance

Telematics is another emerging trend that combines technology and motorcycle insurance. Insurers can collect data on riding behavior, speed, distance traveled, and braking patterns by installing telemetric devices on motorcycles. 

This data helps insurers assess risk more accurately and offer personalized premiums based on individual riding habits. Telematics promotes safer riding by providing riders with feedback to improve skills and reduce risks.

Adapting to Electric Mobility

With the rising popularity of electric motorcycles, insurance providers are adapting their coverage options to accommodate this emerging trend. Electric motorcycles have unique features and maintenance requirements compared to traditional combustion engine bikes. 

Insurance policies for electric motorcycles sometimes include coverage for specialized components, charging equipment, and battery-related issues. These tailored policies ensure electric motorcycle owners have coverage specific to their needs. 

How Windgate Insurance Agency Inc. Can Help You

At Windgate Insurance Agency Inc., we can answer all your questions concerning motorcycle insurance coverage. We assist the New Windsor, NY region. Contact us today

Tips for taking your motorhome to a national park

Motorhomes have become an increasingly popular way to explore and stay in national parks in New Windsor, NY and across the country. From the majestic peaks of the Rocky Mountains to the sandy beaches of Florida, there are beautiful landscapes for everyone to enjoy. But taking your motorhome to a national park can be intimidating if you’re unprepared. Here are some tips from us at Windgate Insurance Agency Inc. for making sure your trip is enjoyable and successful:

  1. Plan ahead: Before heading out, research the park you’re going to and check with the local visitor center about regulations, fees, and safety issues. It’s also important to familiarize yourself with any campsite rules to know what amenities will be available during your stay.
  2. Pack provisions: Ensure you bring all necessary items like food, water, supplies for cooking, toiletries, and camping gear like sleeping bags and chairs. If possible, stock up on non-perishable items so you don’t have to worry about restocking during your stay. 
  3. Check your vehicle: Ensure your motorhome is in good shape before venturing on the open road. Ensure that everything is working correctly – from brakes and lights to tires and fluids – so that you don’t run into any problems while driving through or staying at a national park campground. 
  4. Be mindful of wildlife: National parks are home to many creatures, big and small! When traveling through or camping in a national park, never leave food out or unattended, as it may attract animals trying to get into your RV or campsite looking for food. 

For more tips, call us at Windgate Insurance Agency Inc. today. We are proud to serve the New Windsor, NY area.

Ten Boating Safety Tips

As the temperature soars and the days grow longer, boat lovers begin to anticipate their favorite time of year. To ensure your time on boating is safe and fun, the licensed insurance professionals at Windgate Insurance Agency Inc., serving the greater New Windsor, NY area, want you to remember these boating safety tips –

1. Make Sensible Decisions. 

Don’t operate a boat while drowsy or under the influence.

2. Follow the Weather Forecast. 

Before leaving the dock, check local weather conditions. Watch for sudden weather changes.

3. Give Someone Your Itinerary.

Include dates and where you are going. It is important for someone to know where to find you if you don’t return.

4. Carry a Life Jacket for Everyone.

Each boat passenger should have access to a U.S. Coast Guard-approved life-jacket. The boat should have a throwable flotation device for emergencies.

5. Do Not Overload the Boat.

Carry only the number of passengers and cargo allowed. You do not want to sink the boat.

6. Test the Horn.

Make sure you can communicate with other boats and send emergency signals.

7. Navigation Lights Should Be Kept On.

This is essential as it ensures other boats will clearly see you on the water.

8. Be Prepared for an Emergency On-Board.

Carry critical safety equipment – a first-aid kit, flares,  an emergency blanket, and fire extinguishers, an emergency blanket, on-board at all times.

9. Shut Off the Engine When Approaching Swimmers.

To minimize the risk of injury, turn off the engine and keep swimmers on the operator’s side of the boat.

10. Dress appropriately.

Wear slip-proof shoes, sunscreen, sunglasses, and waterproof clothing.

Are you looking for additional protection while boating? Talk to one of the licensed professionals at Windgate Insurance Agency Inc., a full-service insurance company serving the greater New Windsor, NY vicinity. We can be reached conveniently online or by telephone at 845-562-8800.

Why umbrella insurance is not just for the wealthy

Umbrella insurance is one of the least understood types of insurance. It has nothing to do with an umbrella but everything to do with providing protection and coverage against all the bad things life can throw at you. We will be happy to discuss the benefits of adding an umbrella insurance policy to your portfolio at Windgate Insurance Agency Inc. in New Windsor, NY. 

There is a feeling that umbrella insurance is only for the wealthy. Nothing could be farther from the truth. Do you have any assets? You are in danger of losing them if you are sued. If someone sues you and wins, you must also pay the judgment and legal fees. If you don’t have umbrella insurance, this will be from your own pocket. In the event you don’t have enough cash, you may be forced to sell some of your assets or have your wages attached. This could affect your financial health for many years to come. 

Umbrella insurance could take care of paying that judgment and your legal fees. You don’t need to be rich to benefit from this type of coverage; you need assets and a liability coverage policy. Umbrella insurance is not a stand-alone policy; you add it to a policy or policies you already have. This includes a home policy, auto insurance, condo insurance, renter’s insurance, and boat or motorcycle coverage. 

When your primary policy pays out and runs out of coverage, the umbrella policy will kick in and pay up to its maximum. Most umbrella policies start at one million dollars. 

Call us at Windgate Insurance Agency Inc. in New Windsor, NY, or drop into the office to discuss why umbrella insurance may be the right choice for you. 

Condo Living: Protecting Your Investment

At Windgate Insurance Agency Inc., we know that owning a condo in New Windsor, NY can be an exciting investment. Condo living provides many benefits, such as low maintenance, amenities, and a sense of community. However, as with any investment, it’s important to protect it. That’s why we offer condo insurance policies that are tailored to meet the unique needs of condo owners.

Why Condo Insurance?

One of the main advantages of condo insurance is that it provides protection for your personal property. While your condo association’s insurance policy may cover the building structure, it likely won’t cover your personal belongings. That’s where we come in. Our condo insurance policies can help you replace your belongings if they are stolen or damaged in a covered event.

In addition to personal property coverage, our condo insurance policies also provide liability protection. If someone is injured while visiting your condo, you could be held liable for their medical expenses and other damages. Our policies can help protect you financially by covering these costs.

Another benefit of working with Windgate Insurance Agency Inc. is that we understand the specific insurance needs of condo owners. For example, many condo associations have insurance deductibles that can be passed on to unit owners in the event of a claim. Our policies can help cover these deductibles, so you don’t have to pay out of pocket.

Don’t Be Without This Important Coverage

At Windgate Insurance Agency Inc., we’re committed to providing our clients with the best possible insurance coverage. We work with a variety of insurance carriers to ensure that we can provide you with the coverage you need at a price you can afford. If you’re a condo owner in New Windsor, NY, contact us today to learn more about our condo insurance policies and how we can help protect your investment.

Helping your Elderly Parent Find Adequate Life Insurance

Life insurance is an investment that is vital for all of us.  But it is especially important if you have elderly parents.  If something were to happen to them, you need to make sure they have adequate insurance to help support their surviving loved ones. 

Our insurance advisors at Windgate Insurance Agency Inc., serving the greater New Windsor, NY region, can work with you in finding the right life insurance coverage for your parents’ needs.  So assuming you have their consent first, let’s look at the key aspects of life insurance you must look for when finding one for them.

Life Insurance Considerations For Your Elderly Parents

Which Type of Policy is in their Budget?

All of the different types of life insurance plans have different coverage amounts.  Term life insurance only covers a specific time length and is more affordable.  Whole life insurance, on the other hand, covers the rest of the person’s life and provides more peace of mind for parents with dependents.  When deciding on a plan for your elderly parent, you have to first examine their budget.  Could they afford the usually higher expense of whole life insurance?  If high monthly premiums aren’t in their budget, perhaps a guaranteed acceptance life insurance policy might be good especially if your parent has some health issues.

What is their Current Health Status?

Another aspect to look at is how healthy your parent or parents are.  If they’re dealing with health issues now or anticipate dealing with something in the future, finding the right life insurance for their needs is vital.  Health issues start to develop the older they get, and they need to be prepared to cover expenses in case something happens to them.  Final expense life insurance is an inexpensive plan that’s great for covering end-of-life expenses such as funeral costs.

Contact Us Today

Finding the right life insurance plan for your aging parent isn’t an easy job.  For assistance in finding a good fit for their situation, contact our insurance professionals at Windgate Insurance Agency Inc. to schedule an appointment. We proudly serve New Windsor, NY and surrounding areas. 

My car is fifteen years old: Do I need more than auto liability coverage?

Most states require drivers to carry auto liability insurance as a minimum. However, this doesn’t mean that you won’t be required to carry more than the minimum. If you finance your car, your lender will likely require you to carry full coverage auto insurance. Also, if you have a late-model car, it may be wise to invest in full coverage insurance even if you’ve paid it off. The repair of a late-model car can be really expensive, making auto insurance a wise investment.

Our Windgate Insurance Agency Inc. team is committed to helping New Windsor, NY drivers understand the benefits of auto insurance. 

What is Auto Insurance?

Auto insurance is designed to provide both financial and liability protection for drivers. It’s a contract between you and the auto insurance company that has preset limits and guidelines in terms of what’s covered. If you have an accident, auto insurance can pay for the repair or replacement of your vehicle, depending on the type of coverage you have.

Auto insurance can also cover damage to someone else’s car as well as bodily injury coverage if someone is physically harmed as a result of an accident that you’re liable/responsible for. You pay a monthly premium to maintain your coverage. Also, auto insurance can provide coverage for non-moving accidents, vandalism, and theft, depending on the type of coverage you invest in. 

My car is fifteen years old. Do I need more than auto liability coverage?

Generally, full coverage auto insurance may cost you more than the value of your car if your car is ten years old or more. The amount you pay annually in insurance premiums may likely exceed the value of your car. This means that if you were in an accident, the cost of repairs would probably exceed your car’s value, making it a total loss.

Your insurance company probably wouldn’t pay for the repair or replacement of your car as a result. If your annual premiums don’t exceed the value of your car, your premiums may be almost fifty percent of your car’s value.  

We Are Here To Help!

If you have questions regarding the best coverage for your car, call us at Windgate Insurance Agency Inc. We’d be happy to help you explore your options in New Windsor, NY and surrounding areas.

Required Commercial Insurance in New York

When you have a business in New York, there are many types of commercial insurance available to you. There may also be insurance policies that are required for your business to carry. When you want to take sure that you’re operating legally, it’s important to know which policies are required for you.

When you need commercial insurance for your business, call us at Windgate Insurance Agency Inc. in New Windsor, NY to talk to an insurance agent.

Required Commercial Insurance

Workers’ Compensation

In New York, the state mandates that every business that employs workers must have workers’ compensation insurance. Every employee that you have counts, even if they are only part-time workers. When you have workers’ compensation insurance, this policy will pay for the medical bills that are due after an employee gets injured on the job or contracts a job-related sickness. When a worker has been injured and needs healing time or is disabled, this insurance will also pay them disability payments. When your New York business has this coverage, you have some protection against lawsuits and other problems that can be caused by owing an enormous amount of medical bills for an employee. 

Commercial Auto Insurance

Any vehicles that are owned by a New York business must have a commercial auto policy on each vehicle. It’s important to have this insurance because your company could be held liable after an accident that includes a company vehicle. This insurance has to have a number of types of coverage in each policy. These include coverage for bodily injury liability, liability coverage for death from an accident, property damage liability, personal injury protection for your own medical bills, and coverage for uninsured motorists that the vehicle gets into an accident. 

Get Your Required Insurance

You always need to have the required insurance policies for your business. To get started, call us at Windgate Insurance Agency Inc. in New Windsor, NY. 

Tips for getting your home ready for winter

New Windsor, NY can get mighty cold in the winter, and making sure that your home is prepared can save you energy, money, and worry. At Windgate Insurance Agency Inc. we are independent insurance agents who place the needs of our customers first. We know that we work for you, and we will make sure we offer you the best options to protect your home. 

Tips for getting your home ready for winter

Plug the leaks

Given the cost of keeping your home snug and warm during the winter, it makes good sense to make sure you are not losing any heat. Begin your search for leaks by checking the insulation in your attic. It is simple and inexpensive to add another layer. Doors and windows need to fit tightly and by using caulk or weather stripping you can plug any leaks. 

Have winter supplies ready

Sand and salt can help to keep your walkways and driveway from becoming a slip-and-fall hazard. Put your bags in any easy-to-access location. 

Get the snowblower tuned up

Making sure your snowblower is up and running before you actually need it is important. 

Have the chimney and furnace cleaned

Getting your chimney and furnace clean is vital for your safety. It should be done every year to get rid of any creosote that may have accumulated in the chimney. A clean furnace is also more efficient. 

Carbon monoxide detector checkup

People die every year needlessly from carbon monoxide poisoning. Check the batteries and make sure your detector is in the right location. 

Clean the gutters

Clogged gutters can result in roof damage, which can be expensive. If you can’t do it yourself, hire someone or get covers for your gutters to make sure they run freely. 

Get Insurance Coverage for Your Home

Contact Windgate Insurance Agency Inc. in New Windsor, NY when you want to discuss your home insurance coverage.