Home Insurance Riders: What Selden Residents Need to Know

If you live in Selden, NY, and have a home insurance policy, you may have heard about riders before. If you’re not sure exactly what they are though (or what they do), it can help to be aware of how they function to protect your property. XL Brokerage Inc. wants you to have all the facts in case you decide to change your policy. 

What Is a Rider?

A rider is essentially an addition to your Selden policy for specific coverage. The most common example is often a flood rider. Because most policies don’t cover flooding incidents, homeowners who want this protection will add a rider to their policy to ensure they can file a claim if and when water damage does occur.

However, you can get riders for any number of events, so it pays to consider the major threats in both your home and the surrounding neighborhood. For example, you may decide that you want to have a specific policy for your animals, just in case, your dogs get a little too rambunctious either inside or out. Or you may want to cover a specific possession, such as a piece of jewelry. 

Calling for Help 

If you’re interested in how riders personally impact the residents of Selden, NY, XL Brokerage Inc. is here to shed a little light on the matter. We can both ask questions and offer examples of how to upgrade your insurance. A quick conversation is sometimes all it takes to learn that you’re not nearly as protected as you thought you were. It’s our pleasure to assist you before something happens to your home (as opposed to when you’re scrambling to check your coverage to see if you can file a claim for certain damages). 

What Can a Speeding Ticket Do To Your Auto Insurance

Speeding tickets are one of the most common traffic violations you experience as a driver. Getting a speeding ticket is something that can occur when you simply lose sight of the speed limits, let the pedal get away from you a bit. When you do get a speeding ticket, you are going to be presented with a monetary fine you need to take care of as soon as possible. What many do not realize, though, is that a speeding ticket can also have an impact on your auto insurance.

The auto insurance rates that you end up falling within will be driven largely by the record you have behind the wheel of a vehicle. When you get into a car accident which is your fault or get a speeding ticket, it is a sign that you are not that responsible when driving a vehicle.

Auto insurance providers pull what are known as motor vehicle records to take a look at your driving history when they are pricing you out for your policy. When you get a speeding ticket, it is going to be on your motor vehicle record for a number of years. As the years go by and you do not get any subsequent speeding tickets, the impact of it is going to reduce. In the meantime, though, you are going to be facing a real problem when it comes to getting auto insurance at a rate you feel comfortable with.

Speeding tickets do not have to be a bit detriment, though, when you do your homework and go with the right auto insurance provider. An insurance agency in Selden, NY can help you navigate the waters to end up with a policy that is advantageous to your needs and situation. Work with the team at XL Brokerage Inc. to start this process today.