Affordable Auto Insurance in Selden or Mastic

Drivers in Selden, NY and the surrounding areas have unique automobile insurance requirements, and finding affordable auto insurance in Selden or Mastic can be a challenge unless you know who to call for guidance! Luckily, we can point you to XL Brokerage Inc. The group can give you tips on saving money on your insurance and allow you to compare rates and coverage options. 

New York mandates auto liability coverage of $25,000/$50,000/$10,000. This means that each driver will be insured for $25,000 for any bodily injuries that you cause to one person, $50,000 total bodily injury for the accident, and $10,000 for any property damage you cause. Property damage typically means damage to the other person’s car, but it can also cover things like fences, utility poles, and even bicycles. 

Additionally, the State of New York requires that each driver carries $50,000 of "no-fault" insurance coverage as well. No fault coverage means that bodily injuries are paid by your own insurance company, regardless who is to blame for the car crash. 

Because these limits are fairly low, many automobile owners choose to raise their limits to better protect themselves and their financial interests. 

One further requirement for New York State auto insurance policies is uninsured motorists coverage, and it is subject to the same minimums as the liability requirements for the state.  Supplementary Uninsured Motorists Coverage (SUM) can be added, up to the bodily injury liability amounts of your insurance policy. Insurers must offer SUM limits of $250,000 per person, and $500,000 per accident if you have liability limits that match. 

As you can see, there are many variables for Selden, NY drivers. Consulting with the specialists at XL Brokerage Inc. is as easy as calling 631-736-6100. 

 

 

The Four Season Take Their Toll On New York Homeowners And Their Homes

Winter, Spring, Summer and Fall – All You Have To Do Is Call

Unlike homeowners who reside in other parts of the country, the staff at XL Brokerage in Selden, NY along with all the rest of the residents of the northeastern part of the United States experience an equal dose of each of the four seasons. Summertime in New York reaches into the nineties on occasion and oftentimes into the eighties along with an unrelenting sun. People who live through the winters in New York experience several blistering sessions of subzero "real feel" temperature days and have to endure days commonly fraught with below freezing actual temperatures.

Heavy snow on the roof leads to damaged and leaking roofs after the passage of time. The summer’s scorching sun on your roof is detrimental as well. Maintaining and repairing your roof will ensure you avoid costly damage that will occur with a hole in your roof or a missing section of roofing.   

Fall leaves caught in the gutters will – if not removed – lead to sagging and falling gutters, clogged drains, ceiling leaks, flooding and extensive damage to your home indoors and outside.

Spring brings nesting times for wildlife that may reside just outside your front door. Trees that may have incurred damage from a heavy snow last winter are now home to a myriad of creatures. Protecting your assets include maintaining the foliage and trees on your property. Again cleaning the gutters which aid in properly draining your home is crucial to keeping them free of nests and debris that led to their demise.   

XL Brokerage Inc. in Selden, NY serves homeowners here on Long Island and surrounding areas. Contact us today to make certain your home is well-equipped to handle any season.