(518) 452-2736
You should call us when…

You move
You get a new vehicle
You get married or divorced
You have children
You buy a new home
You get a new job
You start a new business
Your children go off to college
Your children get married
You retire

These are just a few reasons why you should call.  It is important that you call your agent to discuss any change to your contact information or status. Here are some reasons why…

Married couples typically get better homeowner and auto rates.

If you change jobs, it could affect your auto rates.  If you get a job closer to home, take a train to work or work less days per week, your rates may be lower.

If you start a business, most homeowner policies do not cover losses to home-based businesses, and if you have full-time employees, you will be required by NYS Law to offer Workers’ Compensation and Disability.

When children get married or go off to school, they are typically no longer covered under parents’ auto or homeowner policies. However, it is important to consider tenant insurance for them.  Tenant insurance is inexpensive and will cover their possessions in the event there is a loss while they are renting an apartment or dorm room.

If you retire, you should review all your coverages. Some policies may no longer be needed; others may need to be revised. Since you no longer commute to work, your auto rates will likely lower. You should also review your health, life and disability accordingly.