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.
 

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.

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.

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.

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.

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.

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.

FAQ: Small Business Insurance

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

All policies are organized by specific sections and regardless of what insurance company you use there are many similarities in the contract provisions. It is important that you know what the sections are and typically what they are describing in order to help you quickly get information that you need from these contracts which at often times exceed one hundred pages. In this post, Long Island Insurance Executive, Gregg S. Marcus clearly lays out the facts, myths, and everything else you must know about insuring your small business.

The initial few pages are usually the declarations page or pages. These declare the name, address, amount of coverage and specific limits that the insurance carrier will provide the client. It’s more or less a brief summary which will highlight the main factors of the risk the insurer is providing the coverage for.

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

Filing a Homeowner’s Insurance Claim

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

The past few years we have seen a tremendous amount of storms throughout the United States. This has caused many homeowners’ to suffer some damage from either flying debris or more commonly tree limbs. Though many do not know what they are to do if a tree is to fall on their home, or whether or not it matters if it is from your neighbors’ property or yours. In this post, Long Island Insurance Executive, Gregg S. Marcus will fully explain what you should know about filing a home insurance claim and how to make the process as little of a headache as possible.

Initially, if a tree or a limb falls on your home, regardless of whose tree it is, you must call your insurance company, inform them, and begin to file a claim. After a storm, most people will be reaching out to their insurance companies which could result in a claim process being what they call bottlenecked. The quicker you go to make your claim the faster it will process and the sooner your damage will be repaired.

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

Flood Insurance for Homeowners

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

When thinking about purchasing a homeowner’s insurance policy, depending upon your location, you may need to greatly consider purchasing a flood insurance policy. As most homeowner’s insurance policies do not include a flood insurance term, there must be a separate agreement purchased. If you are anywhere near the water or live in an area in which is a vulnerable to torrential downpour you should greatly consider purchasing a separate flood insurance policy to protect your home and yourself! In this post, Long Island Insurance Executive, Gregg S. Marcus will explain why it is more than recommended to purchase an insurance policy to protect you from the harms of flooding.

With the hurricane season being quite devastating during the past few years, we should be quite concerned about weather related risks to life and property around the summer time. The Federal Emergency Management Agency, commonly known as FEMA reminds residents all around the country to protect themselves and their properties by being readily prepared for such instances, this includes the acquiring flood insurance.

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

5 Hidden Ways to Save on Auto Insurance

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

In regards to saving money on auto insurance, there are some things under your control and some things that aren’t. Most drivers are aware of the importance and relevance of maintaining an excellent driving record and owning a decent vehicle in order to get lower rates. Though there are many other special discounts around out there that are not usually advertised. In this post, Long Island Insurance Executive, Gregg S. Marcus will fully explain 5 hidden ways to save money on your auto insurance policy.

1.    Good Grades Discount

If you are a driver between the ages of sixteen and twenty-five, and are currently a student who has good grades, you may be eligible for a discount.  Whether or not your parents pay the bill is irrelevant, it is a good way to save a few bucks every month.

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

Do I Need Business Insurance If I Work From Home?

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

If you are going to create your own business and plan on running it from the comfort of your home, it is vital that you acquire the correct business insurance policy.  There are also three distinct types of insurance related to a private business that you should be familiar with: public liability insurance, employer’s liability insurance, and professional indemnity insurance. In this post, Long Island Insurance Executive, Gregg S. Marcuswill explain the difference between these insurance policies and help to clarify which is best for your personal and business needs.

You may ask yourself what kind of business policy you will need for your home business. Regardless of what kind of company you are starting, you will need a specially designed insurance policy, it also does not matter that you are running your business from home; you will still need to be insured with the appropriate policy as you would if you had a private office.

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

Steps to Prevent Your Pipes from Freezing in the Winter Months

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

Those who have experienced the misfortune of having a pipe burst know the devastating impact it can have on one’s home. The broken pipe itself is a relatively minor inconvenience, though the immense amount of water that flows from within can become quite a disaster. The running water leaking through your walls and ceiling may result in a major reconstruction project which could cost you thousands of dollars. Not to mention the damage that could occur to drywall, furniture and appliances. Gregg S. Marcus, a Long Island Insurance Executive suggests these tips to try and prevent this awful experience:

1. It is important to plan ahead and investigate which pipes may potentially freeze. Prime candidates for freezing include water pipes that run through unheated spaces in your home as well as pipes running through walls to the outside of your house.

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

Understanding Your Insurance Policy

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

An insurance policy is a legally binding contract between an insurance company (the insurer) and either a person or business (the insured). Reading your policy helps you to confirm whether or not the policy meets your needs and also to clarify what the responsibilities of you and the insurance company are, especially when a loss occurs. Many individuals who take on a new insurance policy fail to carefully read what they are signing into and inadvertently pass over any exclusions or conditions that may affect them greatly. In this blog post, Gregg S. Marcus, a Long Island Insurance Executive explains what to look for when you are reviewing your insurance policy.

The four basic sections found in almost all insurance contracts are:

1. Declaration Page
2. Insuring Agreement
3. Exclusions
4. Conditions

The declaration page is the first part of any insurance contract, this section declares who is an insured, what risks or properties are covered, the policy limits, and the amount of time the policy is in effect.

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

5 Mistakes to Avoid After a Car Accident

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

Being in an auto accident can be a scary, frustrating and unnerving experience that no one ever wants to happen. Nonetheless, when a car accident does occur, you must take action immediately and file a claim with your insurance company. If one error is made in the process after an accident, your claim could be denied. In this post, Long Island Insurance Executive, Gregg S. Marcus,  lists the five most common mistakes drivers make after an accident.

1. Waiting to Make the Claim
The longer you wait after an accident to make a claim with the auto insurance company, the less likely it is to be approved. As soon as you and all parties involved in the accident are in a safe place, contact your insurance company to let them know.

2. Not Getting or Giving Information
Never leave the scene of an accident without getting the name and contact information of the other driver involved, as well as the make, model, license plate number and insurance information of the other driver.

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

Why New York Residents Need Rental Insurance

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

Any renter in New York or other state with an extremely high cost of living would benefit from having Renter’s Insurance. Since landlords only have insurance to cover the actual building and not your belongings, it is important to protect all of your possessions. In this blog post, Gregg S. Marcus, a Long Island Insurance Executive discusses why it is so important to protect the belongings in your rental unit.

Research has shown that the average renter owns more than $30,000 in personal property. This is a substantial replacement cost should you experience a traumatic event such as a fire or water leak. Renter's insurance will assure you that your belongings can be replaced if they are damaged or stolen, giving you peace of mind that you are protected. Renter's insurance also includes liability protection, which means you will have legal representation and compensation for injury or accident lawsuits. Renter's insurance may also include reimbursed living expenses for temporary housing should you need it.

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

The Basics of Jewelry Insurance

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

Jewelry is a major investment and you will want to insure your collection to protect it against theft, damage or loss. Jewelry insurance may be the finest method to ensure the safety of your heirlooms and secure your investment in the precious metals and gems. In this post, Long Island Insurance Executive, Gregg S. Marcus,  discusses additional jewelry insurance and why it is so important to any jewelry collector.

If you have a homeowner's insurance policy or renter's insurance, you already have some jewelry insurance. That's because these policies include coverage for unscheduled personal property — which includes jewelry. Typically, however, such coverage is limited to the perils covered and lower dollar amounts on theft losses, as well as by various exclusions. If you own higher value fine jewelry (valued over $1,000), your homeowner's insurance will likely be inadequate. For jewelry that is not adequately covered by a homeowner's policy, additional kinds of coverage are available.

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

FAQ: What Happens After I Apply for Disability Insurance?

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

By deciding to purchase disability insurance, you have taken a positive step in protecting future income in the case of a debilitating accident. Whether you have an individual long-term disability policy that you purchased from an insurance agent or a group disability policy provided by your employer, what happens next is the same. In this blog post, Gregg S. Marcus, a Long Island Insurance Executive discusses what happens after you apply for disability insurance.

The first thing that happens is that you will receive a phone call from the insurance company to review some of the questions on the application and to have you re-answer the medical questions. This may seem redundant since you may have already answered the same questions, but his step ensures that the underwriter has all of the information he/she needs and that there are no discrepancies on your application. In many cases, the next step is to take a medical exam. The exam consists of taking your height and weight, blood pressure and pulse and obtaining a urine and blood sample. If you apply for a very high amount of coverage, and/or you are over a certain age, you may be required to do a resting EKG. The insurance company covers the cost of the exam.

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