Choosing a Homeowner’s Insurance Policy

You need home insurance if you own a home, whether it’s paid off or not. In other words, even after you pay off your home and you’re no longer required to have insurance, you should still have a policy. When you’re selecting a policy, there are a few tips you should keep in mind and many reasons why you should select us. 

Insurance Policy Tips

When choosing a policy, make sure you take into consideration how much your home is worth, how much it will cost to replace or repair in the event of an accident and how much your possessions are worth. You need enough to cover these expenses and possibly more. You need to take into consideration all the possibilities, so you’re covered for the most prevalent concerns. 

Why Choose Us

1. Customer Service

Our customer service is one of the main reasons to choose us. Our representatives go out of their way to answer your questions and address your concerns. They help manage your policy and ensure if you have a claim that it’s handled promptly and properly. You always call our office and get someone who is friendly and who has a genuine passion for the work we do. 

2. Policies for Your Needs

It’s not easy to find a policy tailored to your needs unless you’re working with our company. We offer a variety of policies, so you can find one that’s not too much or too little for what you need. You’ll find a policy that’s just right. We offer policies that offer a comprehensive level of coverage. We have renter’s insurance policies available for those who rent an apartment or house. Those who own a condo can find a policy with us tailored to the specific needs of this type of property. 

3. Recognition from Major Insurance Brands

Our clients will vouch for the coverage and support we provide, but we also have major brands who back us such as GMAC Insurance, MetLife, The Hartford Group, Foremost Insurance Group, Travelers and Security Mutual Insurance Company. 

To get a quote or open up a policy, contact us today at XL Brokerage Inc. by calling 631-736-6100. We serve Selden, NY and the surrounding area. 

How A Teenaged DUI Can Affect Your Car Insurance

If you are a Selden, NY teen or the parent of a teen who has suffered from a DUI charge, it is important to know how this will affect your car insurance. Unfortunately, there is a chance it could seriously impact your rates for years to come. At XL Brokerage Inc. we can offer you the guidance you need to avoid excessively expensive insurance.

Teenage DUI Charges Can Stick Around

When a teenager gets a DUI charge, it isn’t like other types of juvenile charges that may be taken off their record: it will stick around into adulthood. The seriousness of the crime (especially if it is pursued as a felony) makes it one that courts tend to keep on records. While it is possible in some states to have this charge expunged or removed from a record, most teens will possess them long into adulthood.

The Immediate Insurance Impact

When a teen suffers from a DUI charge, their insurance will likely go up very quickly. Teenage car insurance is very high in general, but a DUI charge may double the cost. This is the kind of cost increase that a teenager simply cannot afford. Unfortunately, this increase, while not as high as it is during the teen years,  may last into their adulthood.

Affect On Adult Insurance

Teens with a DUI on their record are likely to have higher insurance as an adult. Why? Insurance companies consider someone with that charge a risk to insure. As a result, rates are likely to be higher. The longer the driver shows safe behavior, though, the less severe that increase will be over time. That said, the best way to avoid this problem is to simply not drink and drive.

At XL Brokerage Inc. we can provide you with the help you need to get fair insurance and keep it. So if you live in Selden, NY or the surrounding areas, make sure to contact us today to learn more about what we can do.