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Kimberly J Brennan Agency

83 Haviland Dr, Suite 3
Patterson, NY 12563

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Featured Insurance Blog

Auto Insurance Gaps You Don’t Notice Until It’s Too Late

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Let’s be honest—most drivers in Patterson, NY, rarely take the time to review their auto insurance policy. You sign, you pay, and you forget about it. That is, until the day something unexpected happens. Suddenly, all those overlooked details and unchecked boxes you skimmed past come back to haunt you.

Coverage You Might Be Missing

The basics of auto insurance only go so far. Liability? Sure. Collision? Maybe. But what about rental reimbursement if your car is stuck in the shop for weeks? Or uninsured motorist protection in case the driver who hits you doesn’t have insurance? These “optional” coverages may seem unimportant—until you need them. In New York traffic, with winter ice, summer congestion, and impatient drivers, those gaps in coverage can leave you vulnerable.

Why Patterson Drivers Should Review Their Policies

Driving in Patterson means dealing with daily risks like commutes, construction zones, and unpredictable weather. Your insurance coverage should reflect these realities. At Kimberly J Brennan Agency, we’ve seen it time and time again—drivers assume they’re “covered,” only to discover gaps in their policy when it’s too late. That’s why we take the time to walk you through every detail of your policy, ensuring you understand how it protects you before life throws you a curveball.

Secure Your Coverage Today

Insurance isn’t about dwelling on worst-case scenarios—it’s about being prepared to move forward when the unexpected happens. The best way to avoid frustration and financial losses later is to review your auto policy now. If you live in Patterson, NY, and want to ensure your coverage matches your needs, contact Kimberly J Brennan Agency. We’ll explain your policy line by line, so you can drive with confidence knowing there are no hidden gaps.

Why Should I Get Home Insurance? Benefits You May Not Be Considering

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While mortgage lenders often require homeowners to purchase home insurance, those who pay for their homes in cash are not obligated to have it. For these individuals, the decision to get home insurance is a personal choice based on their needs and preferences.

The professionals at Kimberly J Brennan Agency, servicing Patterson, NY, can help you determine whether home insurance is the right option for you. Below, we’ve outlined some of the key benefits of home insurance to assist you in making an informed decision.

Benefits of Home Insurance

Here are some of the advantages of having home insurance:

  • Peace of mind: Home insurance provides reassurance, knowing you’re protected in the event of a covered incident. It offers support during the recovery process, helping you navigate challenging situations.
  • Financial protection: If your home is damaged or destroyed in a covered event, your home insurance policy helps cover the costs of repairs or rebuilding, reducing your financial burden.
  • Expedited rebuild: Insurance ensures a quicker response to repair or rebuild your home after damage. Without insurance, you may need to save money for repairs, which can significantly delay the process.

Need Home Insurance? Contact Us!

There are many compelling reasons to invest in home insurance. To learn more about how this type of coverage can benefit you, contact the professionals at Kimberly J Brennan Agency, servicing Patterson, NY.

We work with multiple carriers to offer our customers a range of options when selecting a home insurance policy. Let us help you find the right coverage for your needs. Call today to get started with your home insurance policy.

Different Types Of Commercial Insurance You Need To Know About

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Business owners often juggle numerous tasks, including selecting the right types of insurance. Most states require businesses to carry specific types of insurance, such as legal liability and workers’ compensation, to protect against injuries or other risks. However, understanding the various types of insurance available is crucial to determine what’s best for your Patterson, NY, business.

Property Insurance

Property insurance protects New York businesses against damage to the building’s structure caused by covered events, such as vandalism or accidents. It often includes the option to add natural disaster protection for events like floods or hurricanes.

Auto Insurance

Anyone using a vehicle, including a personal vehicle, for work purposes is typically required to upgrade their insurance policy. Business owners may face claim denials if they’re involved in an accident and don’t have proper coverage.

Business Interruption Insurance

Business interruption insurance is typically offered by companies that provide commercial insurance. This policy helps cover lost income and expenses resulting from covered events, such as fires or vandalism. It’s essential to consult with a professional at Kimberly J Brennan Agency to understand what events are covered in New York.

Natural Disaster Insurance

Many insurance policies, including property coverage, exclude certain natural disasters or only provide limited coverage for specific events. For example, a policy may cover named storms, meaning if a storm isn’t named, it doesn’t qualify for hurricane coverage. To address these gaps, many business owners purchase additional natural disaster insurance to cover specific risks, such as floods.

A professional agent at Kimberly J Brennan Agency can help you determine the type of coverage you need to protect your assets. We’ll review your area, common natural disasters, and any concerns you have. Contact us today to explore your options. We proudly serve the Patterson, NY, area.

Protecting Your Rights: Filing a Claim for Insurance Fraud Explained

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Insurance fraud is on the rise in New York, and law enforcement is diligently working to curb it. At the Kimberly J Brennan Agency, we are contributing to this effort. While law enforcement tackles large-scale fraud, we focus on smaller cases. With our extensive experience in dealing with home insurance fraud, we aim to transform this stressful situation into a manageable one.

Procedure to Report Home Insurance Fraud in New York

To report a home insurance fraud, visit our office and file a claim. We will require photographs, videos, and documents related to the alleged incident. Following this, our fraud team or a third-party agency will conduct an investigation. The outcome of their investigation will decide whether to proceed with the case. It is crucial to respond to any follow-up inquiries to strengthen your case. We aim to resolve the issue within a few weeks, but the timeline may vary depending on the complexity of the case.

If your mortgage or government program is linked to the alleged issue, we will notify your lender and HUD. We refer significant cases to the New York State Department and the National Insurance Crime Bureau, who may request additional information.

Importance of Reporting Home Insurance Fraud

Regrettably, many New Yorkers do not report insurance fraud. By not reporting, you indirectly aid criminals in evading justice, allowing them to continue their illegal activities until they are caught. Reporting halts their activities and prevents them from committing more serious crimes in the future. It also helps other potential victims avoid falling into the same trap and keeps repeat offenders under surveillance, thereby keeping them away from the public.

Victims of insurance fraud often require support to return to everyday life. We are with you every step of the way as you report home insurance fraud. We will explain the process in detail and keep you updated until the issue is resolved. Contact Kimberly J Brennan Agency or visit our office in Patterson, NY, for more information on home insurance fraud.

The Difference Between Classic, Antique, and Collector Car Coverage

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If you’ve ever owned a vintage vehicle—or even fantasized about it—you’re likely aware that it’s more than just a means of transportation. Whether it’s a car you’ve painstakingly restored from scratch or one that’s been handed down through generations, ensuring its proper protection is crucial. At Kimberly J. Brennan Agency, serving the Patterson community and the state of New York, we help car enthusiasts choose the right insurance for their unique vehicles.

Defining "Classic," "Antique," and "Collector" Cars

While these terms are often used interchangeably, they actually carry distinct meanings in the insurance world. A classic car is typically between 20 and 40 years old. It’s often maintained in good condition and driven occasionally, like to car shows or weekend outings.

An antique car is usually at least 45 years old. These vehicles are often restored or preserved to reflect their original condition, and they’re typically not used for everyday driving. Insurers may require limited mileage and secure storage.

Then there are collector cars, which don’t always fall into a specific age range. These vehicles are valued for their rarity, uniqueness, or historical significance. Think limited-production models, exotic cars, or even newer vehicles that have already become iconic.

Ensuring Coverage Matches Your Car’s Value

Standard auto policies aren’t designed for cars with special value. Classic, antique, and collector car insurance typically includes agreed value coverage, limited-use terms, and protection for restorations and original parts.

At Kimberly J. Brennan Agency, proudly located in Patterson and serving New York, we understand how much your vehicle means to you. Reach out today to find coverage that fits your car—and your passion.

Getting Your First Apartment: What to Know About Renters Insurance

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Moving into your first apartment is an exhilarating milestone that offers new opportunities to personalize your space. It also comes with new responsibilities, including safeguarding your belongings. Renters insurance is an affordable way to protect your belongings and yourself.

What Does Renters Insurance Cover?

Renters insurance typically protects your personal belongings from theft, fire, vandalism, natural disasters, and other perils. If your belongings are lost or damaged in a covered incident, a renters policy should help replace what’s lost.

Most policies underwritten in New York also include liability coverage. This protection may help if you’re named in a non-auto personal injury, defamation, or similar lawsuit.

Some New York policies have additional coverages. Additional living expenses coverage can help you find another place if your current apartment is destroyed in a covered incident, for instance. There are still other protections, which our Kimberly J Brennan Agency team is happy to help you explore.

Why Do You Need Renters Insurance?

If you’re moving into an apartment in Patterson, NY, renters insurance is highly recommended. Some landlords require their tenants to carry it; a policy is recommended regardless of whether your landlord requires it.

Without renters insurance, you could lose everything and have no financial assistance when replacing your belongings. You also might be sued and not have funds for legal help, or lose your apartment in a fire and be left without housing.

These are all unlikely scenarios, but they do happen to people. Renters insurance can provide important assistance in situations like these.

How Do You Find Renters Insurance?

The easiest way to find renters insurance is to work with an agent. They can assist with comparing coverages and selecting a policy. If you’re looking for an agent who serves Patterson, NY, we at Kimberly J Brennan Agency can help.

The Connection Between Safe Riding Courses and Insurance Benefits

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Riding a motorcycle is an exhilarating and liberating experience, but it also comes with inherent risks. Whether you’re a seasoned rider or a beginner, taking a safe riding course can significantly improve your skills and potentially reduce your insurance costs. At Kimberly J Brennan Agency, serving the greater Patterson, NY area, we encourage riders to invest in their safety while also taking advantage of potential insurance benefits.

How Safe Riding Courses Improve Your Skills

A safe riding course in New York goes beyond the basics of operating a motorcycle. These classes teach essential defensive riding techniques, helping you anticipate potential hazards on the road. You’ll learn how to handle emergencies, improve your reaction times, and develop better overall control of your bike. Even experienced riders can benefit from a refresher course, as road conditions and traffic patterns constantly change.

How It Can Lower Your Insurance Premiums

Many insurance providers reward responsible riders with discounts for completing an approved safety course. Insurance companies recognize that educated riders are less likely to be involved in accidents, which means fewer claims. Depending on your provider and policy, you could see a noticeable reduction in your motorcycle insurance premium simply by completing a certified course.

Investing in Safety Pays Off

Not only does a safe riding course make you a more confident rider, but it can also save you money in the long run. If you want to learn more about how safety courses can impact your insurance rates, contact Kimberly J Brennan Agency, serving the greater Patterson, NY region today. We’ll help you find the best coverage and take advantage of any available discounts. Ride smart, stay safe, and enjoy the open road.

Why Some Marinas Require Boat Insurance

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If you’re a boat owner, you’ve likely considered using a marina for its numerous benefits. However, many boat owners soon discover that most marinas require boat insurance to use their facilities. This is one of the many reasons why boat owners from the Patterson, NY area trust the Kimberly J Brennan Agency for their boat insurance needs. If you live in New York and own a boat, joining a marina can be a great way to protect your boat and enhance your water activities, but be prepared to provide proof of your boat insurance policy.

Why Marinas Often Require Boat Insurance

While New York is one of the few states that doesn’t require boat insurance, many marinas do. Imagine driving during rush hour in New York, knowing that other drivers aren’t required to have insurance. It’s a scary thought. Now, picture a bustling marina or body of water in New York on a midsummer day, filled with boats. The potential risks are evident. As a boat owner, you’re well aware of the expenses required to maintain your vessel and keep it in top shape. The cost of repairs can be daunting, which is why many marinas require boat insurance and why many owners choose to protect their boats with boat insurance.

Boat Insurance Solutions for Boat Owners in Patterson, NY

If you live in the Patterson, NY area, have questions, or need boat insurance, we’re here to help. Contact us today to learn more and ensure your safety on the water this boating season with boat insurance solutions from the friendly and experienced team at the Kimberly J Brennan Agency.

How Umbrella Insurance Adds to Your Liability Coverage

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Umbrella insurance is a great way to get some of the extra coverage you need to go with policies that you already have. It works on two other policies to give you more of the liability coverage that’s so needed in today’s world. With a litigious society and accidents common, it’s always best to be well-protected with liability coverage. To get started with an umbrella policy of your own in New York, call us now at Kimberly J Brennan Agency in Patterson, NY.

Home and Auto Policies and Liability

Your home and auto policies each have several kinds of coverage. One of these is a layer of liability coverage. This protects you in case of an accident. It pays for the damage done to someone else and/or their property. Having this in both policies is essential, but home and auto insurance often don’t have enough of this coverage. This leads many people to get umbrella insurance. It gives you more liability coverage for both of those other policies at once. This leaves you much better protected against the high cost of serious accidents.

Using Umbrella Insurance in New York

When an accident happens, you have your home or auto insurance to help pay for the damages. Once the policy reaches its maximum payout, it can’t pay anymore, and you’re stuck with all the bills that are left. When you have umbrella insurance, it comes in and pays those extra bills. Having this type of policy is vital to keep you owing what could be an enormous amount in medical or other bills after an accident.

Get Umbrella Insurance in Patterson

To protect yourself against your liability, get umbrella insurance. It’s a cost-effective way to increase your insurance coverage. You can call us in New York at Kimberly J Brennan Agency in Patterson, NY.

Condo Insurance for First-Time Owners

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Kimberly J Brennan Agency serves Patterson, NY, and the surrounding area and can help you pick out the condo insurance that meets your needs. Whether you live in New York or are a first-time condo buyer, we’re here to help you understand this protection type.

What It Covers

Your policy will cover everything in the condo that you own but not the actual building itself. Instead, it will cover personal belongings like furniture, clothes, bicycles, electronics, tools, and even things stored in your shed. Jewelry, art, computers, and memorabilia are also covered.

Even better, you get protection for some personal liability issues, loss of use if there’s any reason you can’t temporarily live there (such as damage) and medical payments for people injured in your home. This coverage is essential if you ever plan on hosting individuals for extended periods, especially anyone outside your family.

What It Doesn’t

First, it’s essential to know that your association has its own insurance that covers the physical structure of the condo, the common areas, and some original items inside (if they’re original). Nothing in your condo is covered, which is why you need your own policy.

You can also add optional coverage types to expand policies, such as water backup protection, personal injury protection, and extra flood protection. Most natural disasters are not immediately covered and require you to buy extra policy types to ensure you are fully safe from danger.

Finding Protection

Kimberly J Brennan Agency can help Patterson, NY, residents get coverage that meets New York state law. We’ll protect your condo and ensure you’re comfortable leaving it when you’re off from your vacation or living there full-time. Call us right away to learn more about your choices.

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