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What Parents Need to Know About Renters Insurance For Students Attending College

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Insight for Parents: Renters Insurance for College Students

When your student is heading to college, renters insurance could come under your consideration. If you’re a resident of Brooklyn, NY, Access Legacy Insurance Group is here to assist.

Understanding Renters Insurance for College Students

Here’s what parents should know when their student goes off to college.

Renters Insurance Might Be Required

Many property owners and management firms nowadays require renters to possess renters’ insurance. They might even suggest insurers. But it’s important to remember that despite the requirement to have coverage, choosing a provider is always your decision.

Landlord’s Insurance Doesn’t Cover Students’ Personal Belongings

While the landlord might have coverage to protect their property, it usually doesn’t cover a student’s personal possessions. This includes furniture, bedding, clothing, kitchenware, and electronics, which can add up to a sizeable amount over time.

Each Tenant Needs Their Own Renters’ Insurance Policy

It’s essential for each roommate to have their own renters’ insurance policy. A policy covers the insured’s personal property, not the contents of the rented space.

Coverage Limitations for Some Electronics

If your student owns costly digital devices, they might not be fully covered under a renter’s insurance policy in case of loss or theft. So, it is crucial to discuss the particular coverage for such digital devices with your agent before purchasing the policy.

Renter’s Insurance Is Affordable

Parents should not dismiss renters insurance due to other college expenses. Renters insurance can be surprisingly affordable.

Let us at Access Legacy Insurance Group of Brooklyn, NY navigate you through the process. We can discuss your needs, provide a price quote, and answer all your queries. Contact us today for a quote and let us help you and your student secure the coverage you deserve.

Customize Your Boat Insurance with Tailored Coverage for Brooklyn Boaters

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Given the spate of recent natural disasters impacting vast sections of the US, it’s unsurprising to observe a rise in local boaters seeking robust insurance coverage for their boats and watercraft.

Customizing Your Boat Insurance: Expert Tips from Access Legacy Insurance Group, Brooklyn, NY

Chat with a licensed insurance agent to evaluate your coverage requirements and select the proper protection for your vessel. A knowledgeable local agent can outline comprehensive coverage options for collision, liability, and uninsured or underinsured boaters.

Your agent can guide you toward the best policy, considering the value of your boat or watercraft, potential repair costs, and your preferred policy limits for personal financial protection from collision and non-collision-related boating accidents. Local boaters can expand their coverage by upgrading to comprehensive insurance.

Liability Insurance Coverage for New York Boaters

Boat liability insurance safeguards your finances from potential monetary setbacks resulting from bodily injuries, property damage, and associated legal expenses arising from an at-fault boating incident.

Comprehensive Coverage Options for Boat Owners in The Big Apple

If you’re considering extending the limits of your boat or watercraft insurance policy to cover physical boat damage and non-collision-related damages resulting from theft, fire, explosions, and grounding, think about investing in comprehensive boat insurance.

Comprehensive boat and watercraft insurance can help compensate for repair costs or vessel replacement, personal belongings, and legal fees. It can even provide policy add-ons, including emergency towing and waterborne assistance.

Get in touch with our local experts at Access Legacy Insurance Group in Brooklyn, NY to explore your coverage options and secure a boat insurance quote today!

Steps You Should Take When Your Home Floods

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Access Legacy Insurance Group Offers Steps To Take If Your Home Floods

While floodwaters coming from outside of your home are not covered under standard home insurance policies, you can acquire flood insurance. This helps to defray the costs of damage from flooding. We offer our clients these policies at Access Legacy Insurance Group in Brooklyn, NY. Here are the steps you should take if your home experiences unexpected flooding.

Protect Yourself, Family, and Pets

If flooding is imminent, you should immediately evacuate the premises. Take yourself, your family, and your pets to a safe area on higher ground.

Start the Insurance Claim Process

Once floodwaters have receded and it’s safe to return home, you can file a claim with your flood insurance company.

Photograph or Videotape Your Property’s Interior and Exterior

Record the damage to your home on a digital image file or videotape. Also, record any items you are going to throw away.

Provide Information About Large Appliances That Have Been Damaged

Get the make, model, and serial number of large appliances that have been ruined by floodwater. You will need this information to file a claim with the insurance company.

Collect Samples of Building Items That Have Been Damaged

Take samples of carpeting, flooring, wallpaper, draperies, and other items needing replacement.

Consult With Your Insurance Adjuster

Your adjuster can advise on additional information that might be needed for your insurance claim.

Access Legacy Insurance Group is Your Agency For Flood Insurance in Brooklyn, NY

Our agents in Brooklyn, NY, can answer your questions about flood insurance and how it can help you after a flooding event. We offer a broad range of insurance products for homes, auto, boats, and businesses. Contact Access Legacy Insurance Group today for a no-obligation quote on flood insurance that can help you get back to normal after floodwaters enter your home.

Choosing Your Deductible: What You Need to Consider

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Deciding on an auto insurance policy involves thinking carefully about the level of deductible that suits your needs. At Access Legacy Insurance Group, we’re dedicated to aiding drivers in Brooklyn, NY, and surrounding regions to make choices that are right for them when taking out auto insurance. Let’s explore what factors should influence your decision on your deductible amount.

Assess Your Financial Situation

Often, a plan with a higher deductible can lead to savings on your insurance premium. However, you would need to be in a position to contend with a significant payout in the event of a claim. If you have sufficient savings for emergencies, such as a damaged vehicle due to an accident, you may be able to opt for a plan with a higher deductible.

Consider Your Driving Record

Your driving record can indicate the deductible level that would be most suitable for you. If you’ve maintained a clean record and have never been involved in an accident, a plan with a higher deductible could be a sensible choice. That’s because you’re statistically less likely ever to file a claim.

Access Legacy Insurance Group is Proud to Serve Brooklyn, NY

We understand that comprehending the complexities of auto insurance coverage can be challenging. Our Access Legacy Insurance Group team is on hand to help. We take pride in serving Brooklyn, NY, and the neighboring areas and would be delighted to discuss how we can ensure effective protection for your family and your vehicle. Contact us today to speak with an experienced insurance agent.

What kinds of employers need workers compensation insurance in New York

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Workers compensation insurance is an important way for businesses to minimize financial losses in case one of their employees is injured. Not only does it help pay for the worker’s medical expenses and lost wages, but it is also required by state law in many situations. 

Here is a brief overview of workers’ compensation rules that apply to companies in Brooklyn, NY. If you have additional questions, please contact Access Legacy Insurance Group. 

Who needs coverage?

Almost all employers operating within the state of New York will need some workers’ compensation insurance in case an employee is injured. This includes coverage for regular full time employees, as well as other professionals that consistently work for a business under a normal schedule. If an employee is working for a business doing any kind of work that is considered a standard or integral part of the operations of the company, they will likely be considered an employee and need coverage. 

Exceptions to workers’ compensation requirements

A few types of workers do not need to be covered by a business. This includes legitimate independent contractors who set their own schedules and hours and only sporadically do work for the business. These workers are not considered business employees under New York’s state law definition. Companies that rent space or vehicles to independent workers will not need coverage for the people using the rented items or property or for their business clients.   

Learning more about workers comp insurance in Brooklyn, NY

Our agents at Access Legacy Insurance Group are available to help companies meet their insurance requirements. Don’t hesitate to get in touch with them today. 

Do I Need Renter’s Insurance for Short Stays?

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It’s common knowledge that renters need insurance to protect their belongings. In the case of theft or other problems, you want insurance to help you replace or repair things that are important to you. Good coverage can make or break you when bad times come.

But some people move around often for any number of reasons. Do you still need renter’s insurance if you never stay in the same Brooklyn, NY, home for very long?

Access Legacy Insurance Group is here to help you understand this circumstance and how to best care for yourself.

Renters Insurance for Short Stays?

The short answer is yes. If you keep anything in your rented residence that is hard to replace, you want to insure it. Remember that this can even include your car parked outside (depending on the policy).

So, why wouldn’t you cover your valuables? Even if you’re on a short lease or have to move somewhat frequently, you want the best coverage you can get.

What Is Short-Term?

At what point is renting short-term? Typically, any stay that you expect to be six months or less is short-term. Snowbirds who typically spend half the year in one part of the country and the other half in another state often fit this category. You can find rental insurance that suits this lifestyle and keeps you adequately protected.

When you explore rental policies for shorter stays, you’ll need to have a conversation with your Access Legacy Insurance Group representative. Many variables can impact your coverage, rates, deductibles, and more. You’ll want to know exactly what you’re getting into, whether you spend all of your time in Brooklyn, NY, or not.

How A Boat Insurance Assessment Is Conducted

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Insurance assessments play a crucial role in securing your watercraft. Let us guide you through what you can anticipate during a boat insurance assessment.

Safety Concerns Identification

An insurance assessment for boats reveals any potential safety issues. As a boat owner, you’re responsible for ensuring compliance with the safety regulations established by the governing authority in your operating area. If the insurance assessment flags any safety concerns, you can swiftly address them.

Detecting the Need for Repairs

The boat insurance assessment process enables the identification of necessary repairs. All structural materials, both internal and external, will be thoroughly inspected. If any material is damaged, the assessment will highlight it. Moreover, materials that may appear to be weak and compromise the boat’s performance are also discovered during this process. Replacing these potentially problematic parts with more robust materials can be a smart preventative move.

Steps of the Assessment Process

Generally, the assessment process starts with the inspector’s introduction, during which they brief the boat owner about the procedure. The inspector scrutinizes the watercraft’s structural materials, electrical system, lighting system, and other vital components, ensuring the correct functioning of critical systems on the boat. Once the assessment is completed, the owner is informed of the outcomes.

Taking Action Post-Assessment

After gaining a clear understanding of your boat’s condition post-assessment, the next step is deciding on the appropriate course of action. To schedule an insurance inspection for your watercraft, reach out to an Access Legacy Insurance Group agent who serves the Brooklyn, NY area.

Learn About Water Damage Restoration Services

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Understanding Flood Insurance Claims & Restoration Procedures

When a flood insurance claim is approved, the provided funds may cover water damage restoration services. This article summarizes the services you could be eligible for.

Assessment

A restoration team will evaluate your belongings to determine the extent of flood-induced damage. The assessment informs the restoration steps needed. After recording damaged items, a team representative will consult with you, explaining the cleanup and drying processes, and providing a restoration completion date.

Cleaning Strategies

The team employs commercial cleansers and equipment to decontaminate materials exposed to floodwaters. These strategies ensure fabric sanitization, nonporous floor covering, and other impacted materials cleanups. Precise measures are especially taken with delicate fabric materials.

Drying Processes

High-end equipment is utilized to dry all cleaned items. The team might conduct the drying at an alternate location, with pickup and delivery services from your residence provided at both ends of the restoration.

Need More Information?

To learn more about flood insurance claims and restoration procedures, contact an agent representing Access Legacy Insurance Group. The Brooklyn, NY agent will provide a free consultation.

What Is an Auto Insurance Lapse?

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We all have times when some things slip our minds, but letting your auto insurance lapse can ultimately be costly. We’ll discuss what defines a lapse, the potential consequences of letting auto insurance lapse, and ways to avoid it. Access Legacy Insurance Group in Brooklyn, NY is here to assist. 

What Is an Auto Insurance Lapse?

An auto insurance lapse refers to any amount of time that you have a registered vehicle but don’t have current insurance coverage. Some reasons you might have let this happen are missing a payment; you get deployed, your policy running out, you sold your car, no longer driving, or other reasons. As a result, your policy will be canceled by the insurance provider.

Potential Consequences of Letting Auto Insurance Lapse

There are several potential consequences of a lapsed policy, including no financial protection if an incident occurs. In most states, a minimum of liability level car insurance is required, and penalties and fees and even suspension of your driver’s license can occur should your coverage lapse. Many insurers see customers with lapses as being riskier customers. This means almost certainly facing higher insurance premiums when obtaining a new policy.

How Can Auto Insurance Lapses Can Be Avoided

Ideally, it’s best to not let your coverage lapse at any point. However, if it has, there are a few ways to stay mindful of when your payments are due and keep them on track at all times. Maintaining auto insurance can avoid certain costs and perhaps, even save you money. These include:

  • Take Advantage of Grace Periods
  • Sign Up For Email Reminders
  • Consider Autopay
  • Keep Your Budget in Mind

Has Your Auto Insurance Lapsed? Call Us!

If your car insurance policy has lapsed for any reason, we can help you with a new policy. Contact Access Legacy Insurance Group in Brooklyn, NY to talk to an agent today.

Which businesses are exempt from needing to carry workers’ compensation insurance?

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Employees who are injured in the workplace rely on workers’ compensation to recover medical bills and lost wages. Workers’ compensation is a no-fault system that doesn’t punish the employer or the employee and is there simply to ensure that individuals in the workforce get the care they need. 

If you have a small business in Brooklyn, NY, you are probably required to carry workers’ compensation insurance. Access Legacy Insurance Group can help you figure out if you are required to carry a policy and what your options are.

Which Brooklyn, NY Small Businesses Are Required To Carry Workers’ Compensation Insurance?

All New York profit and nonprofit companies must carry workers’ compensation insurance. This coverage is for everyone, including full-time employees, part-time employees, seasonal employees, and even unpaid interns. 

Even family members who are working for the company must have protection in case they are injured. 

Who Is Exempt?

There are some exceptions where your business may be excluded from needing to carry workers’ compensation insurance:

  • A sole proprietor is not required by law to carry workers’ compensation insurance.
  • A partnership may be excluded.
  • A business owned by one or two people, with these individuals owning all stock and controlling interests, may be excluded.

There are also some specific exemptions for nonprofits, such as for clergy performing religious duties or supervising an athletic organization. 

What Does Workers’ Compensation Provide?

Workers’ compensation covers everything from medical bills to funeral costs to lost wages. Injuries caused by repetitive work are included.

Make sure that your business is in compliance with state law while also protecting the people you depend on to make your company work. If you have any questions about workers’ compensation or any other kind of New York commercial insurance, please feel free to call Access Legacy Insurance Group today.

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