Protect Your Castle

Your Home Is Your Castle

No house becomes a home without effort from its owner. Repairs, decor, and building home memories are what makes a home feel like a castle. Smart homeowners will review their home insurance policy routinely. This allows them to update it to reflect changes in their lives. Have you:

  • Added new members to your household?
  • Moved to a new address?
  • Added a room?
  • Made replacements or repairs that are significant, like a new roof or garage?

You might not realize that in the middle of changes like these you need to keep your insurance coverage updated. Not only that, but New York state regulations change from time to time as well. You might even have a package policy available for you to take advantage of, and not know about it. Visit our agents at XL Brokerage Inc. serving the communities around Selden, NY to learn what policies are out there that might prove an advantage for you. 

Protect Your Castle and Your Family

New York homeowners sometimes assume that certain coverages apply when they usually do not. For example, flood insurance is different from home insurance and must be acquired separately. Special collections that you have in sports memorabilia or artistic displays might need special coverage as well. Condo insurance is different from home insurance. Home insurance is designed to provide various kinds of coverage for specific kinds of incidents and damages. Depending on your Selden, NY neighborhood, your home’s age and design, and other factors, you can apply to many different insurance companies yourself and after wading through their many forms find a policy that seems to work best for you. Or you can come in and see us at XL Brokerage Inc. Our agents have the experience and knowledge to quickly access crucial information from national companies to find policies that fit your unique needs. Call today for the protection your castle can depend upon.

 

 

Why some cars are cheaper to insure than others

There are a lot of factors involved when insurance companies set the rate for coverage on your car. Your age and driving history has a lot to do with it, but the car itself can go a long way in determining the cost of insurance. The XL Brokerage Inc. insurance agency in Selden, NY offers a variety of plans and can help you get the best coverage for your situation.

One factor is whether replacement parts are expensive. An export with expensive parts is going to cost more than a basic sedan made in the United States for that reason. Also, the popularity of the car, especially among thieves, has an impact.  Older cars are often less expensive to get insurance for, but an exotic sports car that is older will still cost more.

Sports cars, in general, cost more to insure than regular sedans. A special sports package on a sedan can also hike up the rates.  Sports cars go faster, and are often driven by younger people, and tend to have the most accidents. 

Expensive cars often have higher insurance rates as well because of the cost of replacing or repairing them. Parts cost more for a luxury car, so that makes the rates go up. Electric cars also have higher insurance rates because of the cost of the vehicle and the cost of repairs.

Trucks are often more expensive than cars in general, and the insurance rates are higher as well.  

The cheapest new car to insure would be a basic sedan or coupe. A lower cost car would also be cheaper to ensure. The website Nerdwallet.com says the Subaru Outback, Ford Escape, and Chevy Equinox are the cheapest cars to insure.

The XL Brokerage Inc. firm in Selden, NY has all the information you need to help you decide which car to get, and they have the policies to give you coverage once you have the car you want.