Renters Insurance- What Every Renter Should Know

Renters Insurance- What Every Renter Should Know | Gregg S. Marcus Blog

It is essential to obtain adequate insurance coverage, especially when it comes to renting a home or an apartment.  However, having adequate coverage does not mean emptying out your bank account.  There are plenty ways to obtain rental insurance and in this article, Long Island Insurance Executive Gregg S. Marcus http://greggmarcus.com/about/  would like to advise you on what you should know.

Did you know that the landlord’s insurance policy only covers the structure of a building – not the items their tenants own? 

 Renters should think about this when they sign a lease and investigate their own insurance coverage.  You should consider a few things such as:

• Personal Property Coverage – All individuals have different needs in order to protect their personal property.  It is recommended that you go room-by-room to determine how much you have and how much it’s all worth.  Make sure that things like jewelry, watches, laptops, TVs and electronics are listed and covered in your policy. Personal property coverage will also help protect a renter if their car is broken into and items are stolen.
• Loss of Use rider – This will provide coverage for renters if they are unable to occupy the apartment for which they are paying rent.  It will enable you to stay at another location without incurring additional costs until you can re-inhabit your apartment
• Replacement Cost Coverage vs. Actual cash Value – Replacement Cost Coverage will repair or replace items at the value it was when it was new.  Actual cash value will supply you with the value of the item at the time of loss.
• Liability Coverage – This protects both the renter and the landlord.  For example, if you accidentally caused fire damage to your unit, the complex, or others property, and the court found you responsible, liability coverage would cover your legal defense costs as well as any damages you were held responsible for. Or if a person doesn’t want to sue you, but gets injured, the medical payments will be covered.  For example, if a visitor is bit by your dog or a person falls inside your apartment and sprains an ankle.

If you live in Nassau or Suffolk County in New York and are in need of a rental insurance quote, contact Gregg S. Marcus for a quote today! http://greggmarcus.com/contact

Different Types of Auto Insurance Liabilities

Here is an excerpt from a new blog post at GreggMarcus.com:

When driving a vehicle, one might ponder the question, how much auto insurance liability is enough?  There is a wide array of auto insurance policies, providers, and liabilities.  It is up to you to be informed about your auto insurance policy and all that it provides to you.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to inform about the different auto insurance liabilities that are out in the market today. 

Although each state in the U.S. requires some degree of car insurance, the type of policy available varies by state.  New York State goes by two essential and required forms of auto liability insurance—bodily injury insurance and property damage insurance.  Now of course these two forms of liability insurance can be divided in many ways.  This is based on whether the bodily injury is non-fatal or fatal and how severe the property damage is.  Non-fatal bodily injury insurance provides coverage for the medical expense of the opposing car—that is, if you caused the accident.  This type of liability does not necessarily provide coverage for your medical expenses, so it may be broken up into two areas.  These two areas are divided up based on the bodily injury itself, thus providing coverage for one injured individual per accident.  This liability policy will provide coverage for medical expenses, lost money, pain, and long-term care.  The amount of people that are covered by the policy will be listed so that in case of an accident, you are aware of the medical coverage available to you.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.   

Small Business Insurance Requirements

 Here is an excerpt from a new blog post at GreggMarcus.com:

Basic small business insurance consists of four focal types of insurance.  These four types of insurance are professional liability insurance, product liability insurance, general liability insurance, and commercial property insurance.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to explain what these four types of small business insurance policies are all about. 

Professional liability insurance, which is also known as malpractice insurance, is used to provide coverage to small businesses for any potential financial losses due to errors done by the company itself or the company’s employers.  Some degree of professional liability insurance is legally required for those working in the medical field, including doctors, dentists, and osteopaths.  Other small businesses that are encouraged to purchase professional liability insurance are hair salons, massage therapy centers, and gyms that possess personal trainers.  This is because these small businesses provide services to people on a personal, routine basis.  This puts them at higher risk than other businesses to be held liable for potential injury occurring on their property.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.  

Different Types of Homeowner's Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:


When driving a vehicle, one might ponder the question, how much auto insurance liability is enough?  There is a wide array of auto insurance policies, providers, and liabilities.  It is up to you to be informed about your auto insurance policy and all that it provides to you.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to inform about the different auto insurance liabilities that are out in the market today. 

Although each state in the U.S. requires some degree of car insurance, the type of policy available varies by state.  New York State goes by two essential and required forms of auto liability insurance—bodily injury insurance and property damage insurance.  Now of course these two forms of liability insurance can be divided in many ways.  This is based on whether the bodily injury is non-fatal or fatal and how severe the property damage is.  Non-fatal bodily injury insurance provides coverage for the medical expense of the opposing car—that is, if you caused the accident.  This type of liability does not necessarily provide coverage for your medical expenses, so it may be broken up into two areas.  These two areas are divided up based on the bodily injury itself, thus providing coverage for one injured individual per accident.  This liability policy will provide coverage for medical expenses, lost money, pain, and long-term care.  The amount of people that are covered by the policy will be listed so that in case of an accident, you are aware of the medical coverage available to you.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website. 

Finding the Right Insurance: Why Using an Insurance Agent or Broker Can Help

Here is an excerpt from a new blog post at GreggMarcus.com:



As insurance has grown increasingly complex over the years, it has become that much more important to have an insurance professional to aid in your insurance shopping process.  Although it is now possible to purchase insurance without going through an insurance expert, it is still recommended to do so if you are someone who does not have a lot of time on your hands.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to review the variables that a person should consider when looking for insurance.
Insurance agents and insurance brokers can help you determine and put into place some of the very key aspects of your insurance-seeking process.  First, insurance professionals help you decipher what your insurance needs are, based on your location and other factors.  Then, he or she reviews with you a list of insurance companies and policies that will provide you with adequate coverage and fit your financial plan.  An insurance professional has the necessary tools to provide you with a policy that is right for you at a low price.  These are factors that would not be readily available to you without an insurance professional.  Insurance agents or brokers are also helpful because they can answer any questions you may have, both before purchasing the deal and afterwards.  With a professional working nearby, you can easily file claims and receive payments in a simple, timely manner.  Also, any necessary changes you may need to make over the years are easily adjustable with the help of an insurance professional.  Although some of this insurance research can be done on the internet, the relationship between a broker or agent and a customer is something very different altogether.  It is a partnership to ensure that you are getting adequate coverage for a reasonable price—a relationship that you would not find with a computer monitor.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.
 

What Employers Should Know About Worker's Compensation Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:


As a business owner, there are many things that you need to be aware of regarding your employers’ compensation.  The primary purpose of worker’s compensation insurance is to protect employers in case they get injured, sick, or even killed on the job.  Worker’s compensation is required, although the policies for such compensation are different in every state.   In this article, Long Island Insurance Executive Gregg S. Marcus will advise what your company is mandated to cover in worker’s compensation.

Worker’s compensation generally gives the four main types of benefits to employers.  These four benefits are medical benefits, disability benefits, survivor’s benefits, and rehabilitation benefits.  This ensures that the company cannot be sued in case someone is severely injured, but instead will be given a set amount of money to repay the employer for their injury.  Upon receiving worker’s compensation at the start of their employment, the employer signs an agreement that they will not sue as long as the monetary reward is received accordingly.  Also, it is important to be aware of whether or not your state mandates that you show proof or notice of your insurance carrier in your workplace.  The state also monitors the amount of coverage that you are required to have, in addition to the amount of money that you are required to pay if your employer misses work due to a job-related injury.  If you fail to provide adequate coverage to your employers in worker’s compensation insurance, you may be punished by the state.  Punishments include fines, and civil or criminal penalties, so you should be sure to provide the required coverage.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

 

Ways to Obtain Cheaper Car Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

It is essential to obtain adequate insurance coverage, especially when it comes to your vehicle.  However, having adequate coverage does not mean emptying out your bank account.  There are plenty ways to obtain cheaper car insurance and in this article, Long Island Insurance Executive Gregg S. Marcus would like to advise you on ways that you can do so.
At the beginning of the insurance shopping progress, you should make several comparisons of different car insurance companies, either by looking through your county’s local phone book or by searching through trusted internet websites.  The more you shop around to compare, the better deal that you are eligible to get.  Also, you should be aware of age-based discounts.  For example, once you reach age 25, your premium will lower up to 20%.  Generally, people who are between the ages of 25 and 55 will receive the most discounts—given that they are seen to be the safest drivers on the road.  In addition to your age, the area that you live in greatly impacts what you will pay on your car insurance premium.  If you live in a low-crime area as opposed to a high-crime area, your insurance company is likely to lower your insurance premium since you are less at risk for theft and damage done to your car.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

Does Your Small Business Have Enough Insurance Coverage?

 Here is an excerpt from a new blog post at GreggMarcus.com:

Oftentimes, small businesses take the brunt of natural disasters and other unexpected damages.  Whereas big businesses are fully insured, most small businesses are either with minimal coverage or are without coverage altogether.  The main issue comes from the fact that damages done by an incident such as a pipe burst can actually close a small business down.  Since many small businesses don’t have the coverage to pay off the damages, their company is left in distress and can go into serious debt or even close down.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to inform small business owners of ways that they can receive more coverage.
It is important that you are aware of your insurance coverage.  Call or get into contact with your insurance provider to confirm that your coverage is appropriate for the needs of you and your small business.  Insurance plans should provide coverage for not only property damage in case of an incident, but should also provide coverage for possible loss of revenue that could get damaged in the process.  Also, make sure that you ask many questions.  There is no such thing as asking too many questions, especially since you don’t want to miss anything when it comes to insurance.  It’s essential to understand the deductible, the coverage, and the policy limits of your insurance plan.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

Five Factors That Affect Your Premium

Here is an excerpt from a new blog post at GreggMarcus.com:

 As many of you may know, there are plenty of factors that can affect the premium you pay on your homeowner’s insurance.  Being aware of these factors can help you lower your premium in no time.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to inform you of the five major factors that affect your premium.

First and foremost, the age of your home and the type of construction it possess have an enormous impact on what you will pay for your premium.  This is mainly because if you own a relatively new home, the structure and overall quality of the house is more reliable than that of an older home.  For this reason, insurance rates are lower for new homes as compared to old homes.  Structural features of a home, including up-to-date electrical wiring, recent plumbing, and having an HVAC (Heating, Ventilation, and Air Conditioning) system, can very easily lower your premium.

 To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

Insuring Your Child at College

Here is an excerpt from a new blog post at GreggMarcus.com:


When your child is going off to college, insurance coverage can become the primary concern in a parent’s mind.  If your child is bringing a car with them to college and will be dorming as well, then your worries about coverage can be doubled.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to relieve some of your insurance coverage worries.
Many parents question how they can save money on insurance for their newly graduated child who is now heading to college.  If your son or daughter intends to take a car to college with him or her, you may have concerns about whether or not you should give them their own insurance plan in order to save money.  Although putting your child on a separate insurance plan may save you some money, it is always a better choice to keep your child on the family auto insurance plan because they will have more coverage in case of an accident.  Before heading off to college, it is essential that your child is fully covered by insurance, which the family auto plan will certainly allow for.  In order to save more money and receive more coverage from insurance providers, you could show proof of the student’s good grades and receive a “good student discount”.  Also, if your child is dorming a far distance away from your house, meaning 75 miles away or more, your insurance provider can add coverage and deduct from your insurance payments due to a “distant student discount”.  The option of keeping your child on the family auto plan is helpful in case your child decides to take the family car out for a ride when they are home from college.   In case of an emergency, your son or daughter may be asked to be the designated driver, in which case having all of the cars under one family plan would be beneficial to you.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

Do You Have Enough Homeowner's Insurance?

Here is an excerpt from a new blog post at GreggMarcus.com:

There are multiple variables that determine the necessary amount of coverage for a homeowner.  More often than not, homes in the United States are undervalued, and as a result, do not have adequate insurance coverage.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to inform about the necessary coverage for homeowners under certain conditions.
The first underlying issue with homeowner’s insurance is that many people are unaware of how much their home is insured for and what kind of coverage they have.  This poses a big issue because if people are uncertain of their coverage, then how can they be aware of what they should be getting covered for?  Although basic homeowner insurance policies have what is known as liability protection, there are certain situations that call for additional coverage that is not provided by standard liability protection.  Liability protection provides coverage for any damage done to the home’s structure, coverage for valuable belongings, and coverage for any potential lawsuits pertaining to property damage or physical injury of persons residing in the home.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.  

Insurance Tips for Business Travelers

Here is an excerpt from a new blog post at GreggMarcus.com:


If you’re a business traveler, then you understand that spending constant time on the road can pose a lot of dangers.  This comes into play especially when driving a work vehicle that is not yours and is rather, a vehicle provided by your company.  Company cars possess a different insurance policy altogether, possibly leading to issues if you are unaware of the coverage that your company’s insurance provides.  In this article, Long Island Insurance Executive Gregg S. Marcus would like to give you some tips to ensure that you have coverage on the road as a business traveler.
The most efficient way to verify insurance coverage under your company’s business vehicle is to speak to your manager beforehand.  In doing so, you can be aware of exactly what your company’s auto insurance covers.  Also, it is important to be in touch with your insurance provider about what you are primarily using your own vehicle for.  If it so happens that the car you use for business is your own vehicle and not owned by your company, then it is important that you inform your insurance provider.  Factors including the type of car you own, your driving record, miles driven per year, and what you primarily use your car for will determine the premium that your auto insurer sets for you.  So, if your vehicle is primarily used for business purposes, it is essential that you make your insurance provider aware.  Otherwise, you could be paying more for your insurance than you should.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website. 

How to Get a Discount on Your Homeowner's Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:


When a homeowner first purchases his or her home, one of the primary concerns that come to mind is a newly acquired mortgage plan and how to go about obtaining homeowner’s insurance to go along with it.  Although quite necessary, homeowner’s insurance can be quite overwhelming at first—especially when first purchasing a home.  In this article, Long Island Insurance Executive Gregg S. Marcus intends to give some tips on how to get a discount on your homeowner’s insurance.
One of the simplest ways to obtain a discount on your homeowner’s insurance is to increase the safety of your home.  If an insurance carrier sees that you are taking safety precautions, they will lower your homeowner’s insurance knowing that you are less at risk for damages of the home and estate.  Installing safety devices makes it clear to your insurance provider that you and your home are less vulnerable to theft, fire, flood, and other disasters.  As a result, your insurance payments will be lowered because you are less at risk for incidents that would require coverage.  Also, in addition to receiving a discount for installing safety devices, you will also increase the overall worth of your home when you one day decide to sell it.  So either way, it is a win-win situation.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

Why You Should Insure Your Home Based Business

 Here is an excerpt from a new blog post at GreggMarcus.com:

Many entrepreneurs working in home based businesses fail to think about insuring their business the way that they would insure their own home.  This can prose a huge issue, for they are leaving themselves susceptible to dangerous situations and are unknowingly risking the successes of their new business.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to advise entrepreneurs to insure their businesses.
The common misconception among the owners of home based businesses is that their homeowner’s insurance will cover any damages caused by their business. This is oftentimes false.  Just because the business takes place in one’s own home does not mean that the entrepreneur will be protected from business-related incidents.  For example, an entrepreneur selling graphic art that he produces would generally have thousands of dollars worth of computer equipment lying around in his or her home.  Due to the fact that the artist does business from his home, he is putting himself at risk of theft from potential customers.  This case scenario may not be covered by standard homeowner’s insurance.  Also, if one’s customer is injured in the process of using the entrepreneur’s product, they risk being held legally responsible.  For this reason, insuring your business, especially when home based, is extremely important to cover the unexpected.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

How to Find Affordable Home Insurance

 Here is an excerpt from a new blog post at GreggMarcus.com

The most effective way to seek affordable home insurance is to apply for many quotes from insurance providers. By looking around for different insurance providers, you are more likely to find the deal that best suits you and your home. In this article, Long Island Insurance Executive Gregg S. Marcus recommends that you consider all of the variables carefully before settling for one insurance provider.
Many homeowners are familiar with the fact that they can save on their bills by increasing the deductible on their insurance. However, other homeowners choose to purchase both their homeowner’s insurance and their car insurance under the same insurance provider. This case scenario can create savings because most insurance providers have what is known as a loyalty program, giving advantages to people who stay with their company to insure more than just one aspect of their life. Another way to lower your insurance is to purchase a newer home because they are more up-to-date, and therefore lower to insure. The location of your home is also a key factor in the price of your homeowner’s insurance. For example, if your home is nearby to a fire department or if your neighbor’s possess a fire hydrant, your insurance will be cheaper. Taking safety precautions, like installing a security system in your home, could significantly lower your insurance bill as well.

To view this post in its entirety, click here to visit the Gregg S. Marcus official website.

How to Save Money on Your Car Insurance

 Here is an excerpt from a new blog post at GreggMarcus.com:

Anyone who owns a vehicle understands that there are both perks and downfalls to having car insurance. However, many people are unaware of the fact that a few simple steps can significantly lower what they will have to pay. In this article, Long Island Insurance Executive Gregg S. Marcus encourages drivers to keep some factors in mind before signing for an insurance company. First and foremost, it is important to contemplate key insurance factors before purchasing one’s vehicle of choice. For example, if one is to choose a car with turbo features, insurance companies are likely to charge more because they will think you are more inclined to speed since your car has features that allow you to do so. Also, cars of higher value will have greater car insurance due to the fact that they are more vulnerable to being stolen—thus, raising the theft insurance. Other insurance factors include where you park your car. If you park your car in a parking garage as opposed to on the street, you can save on insurance premiums. It is also vital to be aware of one’s credit score, for insurers base the amount of money you are entitled to on this key factor.
When searching for an insurance company that is right for you, it is essential that you base the insurance around your personal needs. Oftentimes, phone calls must be made to verify that the insurance provider is licensed by the state to do business in your given location. Also, research should always be done on the insurance company itself. After signing for a specific insurance provider, be sure that everything is in order by keeping copies of all insurance paperwork.

To read this post in its entirety, click here to visit the Gregg S. Marcus official website.

Why You Need Renter’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

A homeowner’s insurance policy protects those who own their own house in the event of a tragedy, theft, or any other unforeseen incident.  Those individuals who rent instead of owning a home, renter’s insurance exists to offer the very same protections.  People whom of which live in apartment buildings are not usually required to have insurance, though in many cases it is a very good idea to have it. The owner of the building may have an insurance policy which offers some protection in the event of fire or theft, but that policy will not cover one’s personal belongings. Renters who possess valuable belongings should consider purchasing a renter’s policy in order to protect themselves. In this post, Long Island Insurance Executive, Gregg S. Marcus http://greggmarcus.com/about/ explains the importance of renter’s insurance and the options available for purchase.

Most renters will indeed require an insurance policy. Financial compensation is given in the event personal belongings are destroyed, stolen, or damaged in any way shape or form.  Renters may have inexpensive items that can be easily replaced. And other renters may just simply not care about having to spend extra money to replace their belongings in the event of an accident, although this group of renters tends to be a small one.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Easy Ways to Save Money on Auto Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

Many individuals wonder if prepaying all or part of the auto insurance bill can save you some money, the simple answer is yes. Especially if your company gives a discount for this activity as most insurers do. You may be wondering what it exactly means to prepay your bill and how to be sure that your company offers this service. Prepaying your car insurance is essentially self explanatory. You are to pay in advance all or part of your premiums for a given period of time. Most commonly car insurance is billed in six month premium installments. In this post, Long Island Insurance Executive, Gregg S. Marcus explains thoroughly how you can save money by simply prepaying all or part of your auto insurance premium.

The auto insurance industry has come to the conclusion that a six month time period is the prime amount of time that allows for two things to occur. Initially they have far less work to do accounting wise which makes the company eligible to cut overhead, being that premiums are paid twice a year. And secondly, six months is a short enough time to sweep the DMV’s records on a regular basis and adjust premiums whenever appropriate.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Car Insurance Coverage: Do You Have Enough?

Here is an excerpt from a new blog post at GreggMarcus.com:

After you have an accident it is not the time to find out if you have enough car insurance coverage. Most of us don’t spend a lot of time pondering whether or not we carry enough car insurance coverage. When you originally purchased your policy, whether online or in person through an agent, you probably just made the assumption that your previous coverage was enough and rolled them all into your current policy. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain how to analyze your current car insurance plan and determine whether or not you have a suitable amount of coverage.

With the popularity of buying insurance online you risk the danger of carrying to little insurance which becomes a reality for many consumers. Buying car insurance without a complete question and answer session with an insurance professional or at least a company representative over the phone is not a wise choice. As you get older so does your car insurance policy. With age generally comes more assets and financial responsibility. If you still have the low liability limits that you had at a younger age, then it may be time for a thorough review of your situation to determine if you need more adequate insurance coverage.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

How Do I Insure My New Business?

Here is an excerpt from a new blog post at GreggMarcus.com:

Insuring a new business can be a quite stressful process, though with some help it is not too grueling. Business insurance itself is far different than your homeowner’s insurance in the way that it is purchased and the protection offered. It is important to look at the coverage options available to your business. Most new business should consider the basic coverage available to best protect themselves. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain how one should go about insuring their new business and what types of coverage vary from one company to another.

The basic types of coverage available are property insurance, general liability insurance, casualty insurance, and commercial vehicle insurance. Property and casualty insurance together will protect most of the hard assets of the business such as your furnishings, equipment, and computers. Liability insurance on the other hand will protect your company against a claim made by any other business. If you have employees when you begin your business you are going to need to acquire a form of workers compensation insurance as well.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Adjusting Your Homeowner’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

It is true that your insurance portfolio is quite similar to maintain an automobile. You need to regularly get a tune up and change your oil such that with an insurance policy, as life changes you are required to make certain tweaks and adjustments to your policy. In this fluctuating real estate market you many need to adjust your coverage prior to a claim, otherwise instead of saving money you may find yourself with a claim not covered by your current policy. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is proper and necessary to adjust your homeowner’s insurance policy.

The personal property coverage or contents coverage for a homeowner’s policy is a default percentage of the dwelling. Discuss this limit with your agent as it compares to the appraised value or market value of your home. Many people hold policies that have not been reviewed in a number of years which results in an insufficient dwelling value. The worst possible time to learn of your homeowner’s insurance being insufficient is of course in the time of a claim. It is not your agent’s responsibility to make sure you read your policy.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Buying Auto Insurance for a New Driver

Here is an excerpt from a new blog post at GreggMarcus.com:

Purchasing auto insurance for a new driver can be an arduous and stressful situation to be in. it is true that most insurance companies will offer policy options for new drivers, the rates they charge are some of the highest the law will allow. New drivers face a number of obstacles when searching for car insurance. It goes without saying that in order to find reasonable coverage at an affordable rate, a new driver with the help of their families should take the time needed to investigate and attain the best policy out there. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain what insurance is best for a new driver and how to go about achieving the lowest rates possible.

It is obviously best to shop comparatively, a broker can assist you in eliminating many companies that do not offer new driver friendly policies and will help to compare and contrast the best plans out there for you at your own personal budget, while also exploring other ways to facilitate saving money on your insurance premium. The golden rule in the insurance industry is of course the higher risk the more you will pay for your insurance premiums. This is true in all insurance areas but even more relevant in regards to auto insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Tips for Finding and Insuring a New Apartment

Here is an excerpt from a new blog post at GreggMarcus.com:

If you are searching around for a new apartment, there are many options for finding a nice place, though you must be willing to do a bit of legwork. As with most things in life the more hard work you put in to researching, shopping and previewing the better your chances of finding a great place to live. In this post, Long Island Insurance Executive, Gregg S. Marcus  will explain the best ways to go about searching and properly insuring a new apartment and lay out some helpful tips regarding the apartment hunting business.

You need to first give yourself plenty of time to do an adequate search for your new residence. You should be well aware of your moving time frame. There should be absolutely no reason that you do not spend a few months shopping for places to live. A recommended time to start looking is two or three months prior to your current lease ending, before you know it, you’ll have to relocate for one reason or another.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

What You Should Understand About Home Owner's Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

You can easily reduce the rates of your home owner’s insurance with a few quick methods. Everyone knows that homeowner’s insurance can be a great expense but it is simpler than most realize to minimize. With little to no effort you can go from overpaying every month to saving up to hundreds a year. In this post, Long Island Insurance Executive, Gregg S. Marcus will lay out some helpful tips about how to save on your homeowner’s insurance and still hold all the coverage needed to stay safe.

One of the easiest and first things you should go about doing when looking to save on your home insurance is to insulate your water pipes. One of the most commonly claimed damage regarding homeowners insurance is a burst water pipe. Any claim with your home insurance provider will dramatically increase you annual insurance premium, therefore it goes without saying that you should insulate your pipes and save money!

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Car Insurance Rates After an Accident

Here is an excerpt from a new blog post at GreggMarcus.com:

A car accident can truly and seriously affect your existence. A vehicle accident can be distressing and pricey, though apart from coping with the auto repairs and insurance claims you should also be aware of the expense of possible hospitalization and medication if anyone receives injuries. This being said the act of an accident can greatly affect and hurt your life both physically and financially. In this post, Long Island Insurance Executive, Gregg S. Marcus explains what you are to go about doing after getting into an automobile accident and how to handle the situation with as little stress as possible.

If one is to own a vehicle for a long time it goes without saying that you would like to obtain the best from your investment. Therefore it is important that you start searching for car insurance rates and evaluating what is best for you. Many people neglect the significance of insurance coverage for his or her vehicle. It is important to take advantage of getting a guaranteed intends to support your demands of insurance. With insurance coverage you don’t have to worry about the expense of fixing and looking after your vehicle.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Different Ways to Obtain an Auto Insurance Discount

Here is an excerpt from a new blog post at GreggMarcus.com:

Many people nowadays are searching for a number of ways to reduce their monthly expenses, especially during these rough economic times. Some have accepted the art of couponing while others hold back on certain services such as cable and telephone luxuries. Another simple and effective way to reduce your regular bills is to shop around for car insurance quotes and utilize discount rates that are commonly offered. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain the most effective ways to save money and reduce your monthly car insurance payments.

By shopping around for multiple quotes and using the many discount rates offered by different companies you can easily achieve cheap quotes and a significant amount of savings as a customer. Some believe that online quotes are cheaper than that an insurance agent will find for you, this is not true as a qualified agent will be more knowledgeable about the field and better prepared to find a plan that is right for you.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Home Inspection Tips for Buyers

Here is an excerpt from a new blog post at GreggMarcus.com:

Getting a home inspection is one of the most vital steps prior to buying a home. For buyers, it may be the grounds for negotiating price offers, planning potential renovations or establishing what needs to be fixed in the near future. An inspection is designed to be a fairly comprehensive diagnostic test on the condition of your possibly new home. In this post, Long Island Insurance Executive, Gregg S. Marcus will give some helpful tips regarding a home inspection in hopes of enlightening buyers about the importance and usefulness of a home inspection.

A home inspection is designed to educate both buyers and sellers about certain problems that should be taken in order to prevent any long term damage. Some issues may require immediate attention while others may be the grounds for negotiation and barter prior to moving into the home. Here are some fundamental tips on what to pay attention to when having a home inspected.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Insurance for Business Vehicles

Here is an excerpt from a new blog post at GreggMarcus.com:

Insuring vehicles for a business is quite a tricky situation to delve into, though it is a very necessary and recommended process. Business Cars serve a number of functions which include making sure that workers get to and from t heir business meetings, look professional, or even be used as advertising material. Insuring any vehicle in general is a very important business that you can’t ignore. If you want to choose the right company that will give you the fairest deal you must first understand what will best suit the needs of your business and employees. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain how to go about acquiring the proper type of automobile insurance for your business vehicles.

When determining which company to go with you should not be persuaded by creative and enticing commercials and advertisements. You should be concerned with companies that have the highest-rated customer service support, often ranked by state and even worldwide. It is important to analyze the client base of a company as well as view average premiums of current customers to see which are the lowest. It is also nice to encounter companies whose agents are cooperative and helpful over the telephone.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Confusing Insurance Terms Explained

Here is an excerpt from a new blog post at GreggMarcus.com:

Many people upon receiving an insurance policy renewal of any sort often find that many insurance terms are confusing and indefinable.  Of course those in the business itself have little to any trouble conceiving the long and tedious contracts. If you don’t ask for explanations of specific terms and concepts there is an assumption that you understand them, many of these terms are quite befuddling to the layperson.  In this post, Long Island Insurance Executive, Gregg S. Marcuswill define and elaborately clarify many confusing insurance terms and conditions.

Two very common phrases often uttered throughout an insurance policy are replacement cost and market value; this is of course when referring to a homeowner’s insurance policy. Replacement cost and market value are affected by the fluctuations in the economy, including the costs of labor and other materials or housing demands. Often the market value of a home will be a bit higher than the replacement costs or vice versa.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Things to Consider When Renting a Car

Here is an excerpt from a new blog post at GreggMarcus.com:

As summer is approaching many people are beginning to plan vacations. Though most people do realize they may be renting cars throughout their vacation they do not usually contemplate very much about car rental insurance until they are in the position of deciding whether or not to take out a temporary policy. This of course can lead to some hasty and costly decisions. Many people will stand at the rental counter trying to decide if the coverage is actually worth it. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain what you need to consider when renting a car and taking out a temporary insurance policy.

There are usually four types of auto insurance offered when renting a car and this can possess some confusion. Most individuals do not know whether or not they should take out the insurance in the first place let alone which of the four options are necessary. If you begin to do your homework on car rental insurance you will realize there are a few points to consider. You should initially contact both your current insurance agent as well as the credit card company you plan on purchasing your rental with

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Why Non-Car Owners Need Insurance Coverage

Here is an excerpt from a new blog post at GreggMarcus.com:

Many people would not understand the purpose of an auto insurance policy for non car owners. This usually comes as a big surprise to many individuals but a car insurance policy is a wise move even for those who do not own a car. Without proper coverage you are eligible to fall into a number of situations that will be discussed at full length later on. In this post, Long Island Insurance Executive, Gregg S. Marcuswill discuss the importance of auto insurance regardless of whether or not you own your own vehicle.

Cities which have a dependable mass transit system may lead you to believe you may not need a personal car for your daily movements. In an instance such as this you may think a car rental service will be there to take care of the times in which you must have a vehicle. When you rent a car, you also get an insurance coverage policy for a small period of time. Though a non-owner insurance policy turns out to be even cheaper than purchasing the short term insurance a rental company offers.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Auto Insurance—How and Why to Switch

Here is an excerpt from a new blog post at GreggMarcus.com:

Many people seem to hear that you can save some premium dollars if you switch from one auto insurance company to another. Usually companies will cut you a break if you are switching over from one of their competitors, this is the truth, however there is a bit more to it than simply saving money. You may be asking why I should switch my insurer. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain how to go about switching insurance companies and how in the end it could save you hundreds on your premium.

If you are searching for better rates you should be sure to get comparable service. If you are only sure of lower rates but may be losing the provided service you were once receiving or the quality and extensibility of the coverage you should think twice before making the switch official. If you are just altogether dissatisfied with your current insurer for whatever reason, it is suggested that you shop around for a better company.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Home Insurance Quotes Based on your Needs

Here is an excerpt from a new blog post at GreggMarcus.com:

It is critical to your financial security to request viewing home insurance quotes. Regardless of the type of home you are in you should generate quotes from multiple insurance companies as it will put you one step closer to protecting both your home and your personal belongings. In this post, Long Island Insurance Executive, Gregg S. Marcusis eager to help you understand the main coverage options which will assist you in your selection process. You will be able to read about the main types of homeowner’s insurance so you can better understand your quotes.

Structural Coverage

It goes without saying that no one should own a home without having coverage for the home’s structure itself. This type of homeowner’s insurance coverage will protect your dwelling and the other structures located on the premise of your property such as garages, tool sheds, etc.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Business Insurance at its Simplest

Here is an excerpt from a new blog post at GreggMarcus.com:

Proper business insurance does not have to be complicated. Many feel that putting business insurance in place can be an overall haunting and grueling task. Though, many business owners start out by putting off attaining business insurance and throw it on the back burner. This should not be the case as it is not as terrible a task as it seems. Most owners do this because they feel the purchasing of insurance is either overwhelming or unnecessary. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain how simple and also how important business insurance is to your company, your employees, and yourself as an owner.

When considering insuring your business you should never feel the policy will be either too expensive or too unnecessary. It is important to first understand the basics of business insurance. Each and every business should have general liability insurance, a form of property insurance, and depending upon the amount of employees—workers compensation. There is also a multitude of additional coverage options out there as well as specific types of business insurance.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.

Reasons to Get Renter’s Insurance

Here is an excerpt from a new blog post at GreggMarcus.com:

Many people these days are anti-insurance and view policies as being a hustle intended to divest ones hard earned money due to the slight probability that something might happen to harm you or your possessions. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is vital to take out a renter’s insurance policy even in the unlikely event of a disaster occurring.

Thievery is obviously an awful occurrence, unfortunately it exists and it is at often times difficult to prevent. It is common that even individuals you trust and welcome into your home may take advantage of your kindness and possibly walk out with an item or two of yours. It is circumstances such as this that you should possess a form of insurance to protect your valuables. An average renter’s insurance policy will layout what specific items are covered as well as their costs.

To read this post in it’s entirety, click here to visit the Gregg Marcus official website.