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Brooklyn, NY 11223

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Featured New York Insurance Blog

My landlord already has insurance. Why should I get renters insurance?

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Renters insurance from Access Legacy Insurance Group is an invaluable resource for tenants here in the Brooklyn, NY area.

Benefits of Renters Insurance

It provides financial protection if your belongings are damaged or stolen, and it may even cover you in the event of certain types of liability claims. Although your landlord may already have their own insurance policy, it likely will not cover any damage to your personal property, injuries that occur inside your rental unit, or other costs if you are found liable for damages in a lawsuit. 

Renters insurance is relatively affordable and can give you peace of mind knowing that you’re covered should something unexpected happen. Most policies cover the cost of replacing your belongings should they be stolen, damaged by a fire or natural disaster, or accidentally destroyed. Additionally, some policies provide coverage for medical bills or damages if someone is injured while inside your rental unit. 

Overall, having renters insurance is an important step in protecting yourself and your belongings from unexpected events. Even if you trust that your landlord has their own insurance policy in place, it’s best to safeguard yourself by investing in renters insurance as well. Without it, you might be responsible for any property damage or injuries that occur on the premises. In these cases, you may be personally liable and financially responsible for the entire amount, which could mean a substantial financial burden if a lawsuit is filed against you. 

Reach Out To Us

For more information, give us at Access Legacy Insurance Group a call today. We are proud to serve the Brooklyn, NY area and would be happy to help you find a policy that meets all of your needs as well as your budget. So call today!

A Comprehensive Guide to Boat Insurance

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Owning a boat is a significant investment, and protecting that investment is crucial. Access Legacy Insurance Group in Brooklyn, NY provides valuable insight into boat insurance to help you make informed decisions. This comprehensive guide explores details and facts about boat insurance to protect your valuable asset.

Types of Boat Coverage

Boat insurance offers a variety of coverage to cater to your specific needs. Some common coverage options include:

  • Liability coverage: Protects you from financial responsibility in case of property damage or bodily injury to others caused by your boat.
  • Collision coverage: Covers the cost of repairing or replacing your vessel if it is damaged in an accident.
  • Comprehensive coverage: Offers protection from non-collision-related damages, such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured boater coverage: Ensures protection if you are involved in an accident with an uninsured or underinsured boater.

Factors Affecting Coverage

Our insurance providers consider various factors when determining the appropriate coverage for your boat. These factors include:

  1. Boat type and size: Larger or more powerful boats typically require higher coverage levels.
  2. Usage: How and where you use your watercraft affects coverage needs, such as whether it is for recreational purposes, fishing, or watersports.
  3. Storage and transportation: The location and method of storing your boat impact coverage requirements.

Customizing Your Policy

Tailoring your boat insurance policy to your specific needs makes a difference. Access Legacy Insurance Group in Brooklyn NY, make sure that you understand the available options, and we will customize your policy accordingly. Consider additional endorsements, such as towing and assistance coverage, personal property coverage, or fishing equipment coverage, to enhance your protection.

Navigating the Process

Selecting the right boat insurance policy involves understanding your needs and working with an experienced insurance provider. By evaluating your boat’s value, usage, and storage, you can determine the appropriate coverage levels for your unique situation.

Take Action by Calling Our Team Today

Begin the process of securing comprehensive boat insurance coverage by reaching out to our knowledgeable insurance providers in Brooklyn, NY. Protect your investment while enjoying your time on the water. Call Access Legacy Insurance Group now!

If my car is damaged in a flood, will flood insurance pay for the damage?

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Flooding is a common natural disaster. Many people lose their homes and personal belongings to flooding every year. Our team at Access Legacy Insurance Group is dedicated to helping Brooklyn, NY residents understand the benefits of flood insurance as well as what’s covered. 

What is Flood Insurance?

Flood insurance is simply property insurance designed to cover property and structural loss that results from flooding. Flood insurance is a separate standalone insurance unrelated to homeowners insurance or other forms of insurance. It’s designed to provide coverage specifically for damage that occurs as a result of water damage.

Flood insurance covers structural damage (house), as well as personal items and belongings. This insurance can cover the repair or rebuild of your home. It also covers appliances and other items in your home as well as your foundation, plumbing, and electrical systems. The coverage is comprehensive. Most flood insurance coverage is provided through FEMA under the National Flood Insurance Program (NFIP). However, you can also obtain flood insurance through private insurance companies. 

If my car is damaged in a flood, will flood insurance pay for the damage?

No. Although flood insurance covers your personal belongings, it will not cover damage your car incurs from flooding or water damage. Typically, your car isn’t covered by flood insurance. Even if you purchase a rider for flood damage with your home insurance, your car isn’t usually covered.

However, your flood-damaged personal items found inside your car are covered. Comprehensive auto insurance is typically the only form of insurance that will cover the repair of your flood-damaged car.

Looking for Flood Insurance in Brooklyn, NY?

If you have more questions regarding what’s covered by flood insurance, call us at Access Legacy Insurance Group. We’d be happy to answer your questions and help you explore your options. 

Protect Yourself on the Road

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Brooklyn, NY is a bustling metropolis with an array of driving hazards such as heavy traffic, pedestrians, and unpredictable weather. Auto accidents can happen when you least expect it, so having adequate auto insurance coverage is essential to protect yourself, your passengers, and your vehicle.

Access Legacy Insurance Group is a reliable and trusted insurance company that offers a variety of auto insurance coverage options to meet the unique needs of Brooklyn, NY residents. We understand the challenges of driving in Brooklyn and the surrounding areas and offer coverage options that protect drivers in the event of an accident.

One of the primary types of auto insurance coverage we offer is liability coverage. This coverage protects drivers from financial liability in the event that they are found at fault in an accident that causes damage to another person’s property or injuries to another person. Liability coverage can also cover legal expenses in the event of a lawsuit.

In addition to liability coverage, Access Legacy Insurance Group offers collision coverage, which helps cover the cost of repairs or replacement of a vehicle damaged in an accident, regardless of who is at fault. We also offer comprehensive coverage, which protects against non-collision events such as theft, vandalism, and weather damage.

For Brooklyn, NY residents who rely on their vehicles for work, Access Legacy Insurance Group offers commercial auto insurance coverage options. This type of coverage provides protection for vehicles used for business purposes, such as delivery or transportation.

Reach Out To Us.

Overall, having adequate auto insurance coverage is crucial for Brooklyn, NY residents who want to protect themselves and their vehicles while on the road. Access Legacy Insurance Group offers a range of coverage options to fit the unique needs of each driver, ensuring that they have the right level of protection in the event of an accident or unforeseen event.

What does workers compensation insurance cover?

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Workers’ compensation insurance from Access Legacy Insurance Group is designed to protect employees from potential injury or illness that may occur while on the job. It provides coverage for medical expenses, lost wages, and other damages related to a workplace incident. Depending on the policy, workers’ compensation may also cover costs associated with rehabilitative services and death benefits.

Benefits of Workers’ Compensation

The most important thing to remember is that workers’ compensation insurance is meant to protect an employee in case of an accident or unexpected injury while in the Brooklyn, NY area or on any job site.

By having this coverage in place, employers can be assured that their employees will be taken care of should anything go wrong. Workers’ compensation insurance is essential for any business and can help provide peace of mind knowing that everyone in the workplace is safe and protected. With the right protection in place, employers can rest easy knowing that their employees will be taken care of if something were to happen.

From medical bills and lost wages to rehabilitative services and death benefits, workers’ compensation insurance provides much-needed peace of mind for everyone involved. It’s important to understand exactly what is covered by a workers’ compensation policy, as each policy varies. The policy also covers legal fees associated with workers’ comp cases. Additionally, if a worker is unable to return to work due to an injury or illness, the policy may provide long-term disability benefits. 

Reach Out To Us

Workers’ compensation insurance can be beneficial in protecting employers from employee lawsuits and other liabilities that may arise due to workplace accidents or injuries. For more information, give us at Access Legacy Insurance Group a call today. We proudly serve the Brooklyn, NY area. 

Does Renter’s Insurance Cover Your Personal Belongings?

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Individuals who rent or lease their living space can benefit from having renter’s insurance. This type of coverage protects the policyholder from liability and losses. The coverage also provides protection for some personal items but doesn’t cover some other belongings. If you need renter’s insurance, let the experts at Access Legacy Insurance Group help you get the protection you need. We proudly serve the residents in and around the Brooklyn, NY area. 

Renter’s Insurance Protection 

Renter’s insurance is important to help protect an individual from losses and liability. For example, if there is a fire or theft, the insurance will offer a claim settlement to help you replace items and even provide you with a place to stay while repairs are underway if your residence is uninhabitable. 

Renter’s insurance also offers protection for major appliances and other high-value items you own. If you want to know more about renter’s insurance and what it covers, our agents can help. We work one-on-one with customers to ensure they understand the terms and conditions of each policy and match them with coverage that suits their needs. 

We also offer service before, during, and after the policy purchase. We can assist with any changes, renewals, and claims. We offer complete support you can count on when you work with us as an insurance company. 

Reach Out Today

If you would like to learn more about renter’s insurance or any of the other insurance products we offer, don’t hesitate to call or stop by Access Legacy Insurance Group and speak to an agent. We take pride in assisting the residents in and around the Brooklyn, NY area with securing coverage they trust. 

Winter Boat Maintenance You Can’t Ignore

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Keeping your boat or watercraft in great shape requires careful seasonal maintenance. At Access Legacy Insurance Group, serving Brooklyn, NY and the surrounding areas, we want to help you protect your investments. You can protect the investment you have made into your watercraft through insurance coverage and good maintenance practices. 

Should I Do Boat Winterization?

Yes, you definitely need to winterize your boat before you put it up for the season. Taking care of these important tasks will help ensure that your boat stays in great shape and will help you avoid many issues that can arise during the colder seasons. Let’s look at a few things you should do to winterize your watercraft. 

Remove Valuables

If you will be docking your boat in a marina for the winter, be sure to go through the entire boat and remove all important valuables. This is also a good time to check over the interior of the boat to see if there are any cosmetic issues you might want to address. 

Engine Work

There are many aspects to putting up your boat for the winter. To ensure that your engine stays in good shape during the colder months, you should hire a boat mechanic to do a once-over of your engine and take care of all of the engine winterization jobs. 

Choose Winter Docking

It is also important to carefully choose where your boat will dock during the winter. You should only dock with a marina that is reputable. Do some research and ask other boat owners that you may know who they recommend. Be sure to ask lots of questions concerning the security of the marina as well. 

Get Boat Insurance Today

If you would like to learn more about protecting your investments, don’t hesitate to get in touch with us at Access Legacy Insurance Group, serving Brooklyn NY, and the surrounding areas.  

The Need For Flood Insurance in New York

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New York is a coastal state that experiences the same natural disasters as any other during the appropriate season. Gale-force winds accompany the hurricanes that take place along the East Coast. New Yorkers need to be as protected from the elements as possible, especially at home. That is one of the multiple reasons why you need to obtain flood insurance. 

There are two main types of coverage:

  • building property, which covers repairs made to your home after flooding
  • personal property, which covers many of your personal possessions that have been destroyed by floods

Devastating floods caused by hurricanes off the shores hitting landfall can accrue some massive expenses. Flood insurance helps cover the cost of flood damage to your home and belongings. That means if your house is flooded by torrential rains, hurricanes, tsunamis, and more, your items are likely covered. Flooding does not discriminate and does not spare your personal items; therefore, it is your responsibility to ensure that your home and everything in it will be secured in such an event.

Maintaining flood insurance is not only recommended in the state of New York, but it is also legally required. This means that, due to the law, the demand for flood insurance is incredibly high. That is why it may seem overwhelming at first when you are trying to shop around for flood insurance that follows state guidelines. 

Contact Us Today

Access Legacy Insurance Group in Brooklyn, NY is here to help you protect your assets and assist you with getting the coverage that you need. Call Access Legacy Insurance Group – or if you are in the Brooklyn, NY area, stop by the office and see what we can do to get you covered.

Understanding the different New York workers comp benefits

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Accidents on the job can have lasting consequences for workers. Often, workers don’t have full control over the conditions they work in or the actions of other employees. The potential for injury and the employer’s responsibility can frequently lead to a worker’s compensation claim. Did you know, however, that not all New York worker’s compensation benefits are the same?

Access Legacy Insurance Group serves Brooklyn, NY in providing guidance and support for workers’ compensation as directed by New York state law.

Worker’s Compensation Benefits

Health Care

Health care compensation refers to the medical care and costs required to get you back to your previous working condition. In some cases, this may be as simple as covering a physician visit and a few stitches, in others this may involve ambulance rides and long-term rehabilitation. No matter the injury, if you were hurt on the job you may have a compensation claim. 

Lost Wages

Lost wages often occur with workers’ compensation claims, since injuries can prevent you from doing your normal job duties. Whether these injuries are temporary or long-term, you deserve to be compensated for accidents that aren’t your fault. Lost wage restoration can help you regain your financial footing, and may even help protect your job.

Survivor Benefits

A workers’ compensation claim relating to death is the most severe and tragic of workplace accidents. The worker has lost their long-term earnings and savings potential amidst this family grief. Yet while tragic, these accident survivors still have bills to pay and lives to live. Survivor benefits help ensure that the remaining family and partners of workers’ accidents can recover from the financial burden of this event.

Get The Right Coverage Today

Access Legacy Insurance Group serves Brooklyn, NY. Get the compensation you need — contact us today!

Can Digital Nomads Take Out Renter’s Insurance Policies?

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More and more people are becoming digital nomads. This means that they work in a variety of places, rather than focusing on working out of one home base. They may work across the country, or they may work across the globe. If you are a digital nomad, or are considering being one, one of the questions that you may have is whether digital nomads can take out renter’s insurance policies at the places they are temporarily staying.

Consult with Access Legacy Insurance Group, serving the greater Brooklyn, NY region, to help you navigate this important insurance coverage.

Can Digital Nomads Take Out Renter’s Insurance Policies?

In many cases, digital nomads can take out renter’s insurance policies. However, there are a few things that a digital nomad needs to keep in mind. First, not every insurance company offers short-term renters insurance policies, but many do.

Most of the companies that offer these policies offer them for digital nomads that are living in one area one month at a time. If you are moving from place to place week after week, renters insurance may not be the best insurance for your needs.

Also, keep in mind that insurance can vary from country to country. If you are living and traveling in different countries, you may need to find different insurance companies that offer renters insurance policies in the part of the world where you plan on living. 

Contact Us Today

Whether you are looking to rent a place for a month, or you are looking to rent a place and stay put for a year or longer, there are renter’s insurance policies out there that can meet your needs. Here at Access Legacy Insurance Group, serving the greater Brooklyn, NY area, we want to help you find the policies that best meet your unique needs. Reach out to us today to learn more. 

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