Category Archives: Business Insurance

G-N AGENCY FOR YOUR AUTO AND HOME INSURANCE NEEDS

G-N Agency located at 1008 Union Road (Southgate Plaza – Rear), West Seneca, NY 14224 near Buffalo, N.Y. is your Good-News Agency! We insure the entire Western New York region, including Erie county, Niagara county, Orleans County, Wyoming County, Cattaragus … Continue reading

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How Much Will I Get Back if I Cancel My Policy Early?

Insurance policies and premiums are calculated for 6 months or one year. (Some companies only write a 6 month policy) If you cancel your insurance midterm ,  you will be refunded the unearned premium.  It is calculated on a prorated basis, so you will get a refund for any and all unearned premium.  Get a … Continue reading

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Things You Should Know About Homeowner’s Insurance

You should not assume that you will be fully reimbursed if a covered item is stolen or damaged in a disaster.  Policies limit the amounts paid for covered items.  Jewelry and computers, for example, have a low limit.  Most insurance … Continue reading

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Is My Television Covered in My Homeowners Policy?

Covered personal property includes the contents of your home and personal belongings used, owned, worn or carried by you or members of your household – basically everything!  This coverage is also based on the house coverage, and there are limits … Continue reading

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Personal Umbrella Policy

The world has become a riskier place.  Lawsuits are growing in frequency and size.  These days, you don’t have to be a millionaire to be sued like one.  Even if you have the highest limits available to you under your … Continue reading

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What Does My Homeowner’s Policy Pay if Neighbor Slips On My Property and Sues?

Within the limits of your homeowners policy, your insurerwill pay for any injury or property damage suffered by non-residents occurring at your home.  The policy will also pay the medical bill incurred.  In addition, your insurer is required to defend … Continue reading

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Terrorism Insurance Coverage

You should know that, effective November 26, 2002, any losses resulting from certified acts of terrorism would be partially reimbursed by the United States under a formula established by federal law.  However, your policy may contain other exclusions which may … Continue reading

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Difference Between Car Insurance Cancellations and Non- Renewals

Each state has laws concerning cancelling auto insurance.  A cancellation is when a company terminates a policy before the expiration date, while a non-renewal is a notification that the carrier will not renew the policy once the term is up. Generally, … Continue reading

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Is Removal of a Tree That Fell On My Roof During A Thunderstorm Covered by Homeowner’s Insurance?

Generally any damage to your roof is covered by your homeowners policy.  The removal of the tree should be covered in this instance, but check with your agent regarding your policy,  Some insurance companies require tree removal coverage to be … Continue reading

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Does Gender Affect Car Insurance Rates?

Studies found that in recent years, men accounted for more traffic accidents than women and have a higher likelihood of being involved in a collision.  This is why a motorists gender is commonly used as a rating factor when determining … Continue reading

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