Cote Agency Blog Page 2
View the latest blog posts from Cote Agency.
Tuesday, May 5, 2020There are few scenarios in which homebuyers don't expect their home to increase in value over time. The nature of real estate is to trend upward, even if there are dips along the way. But it's important for homeowners to know what will happen when things don't go according to plan. READ MORE >>
Tuesday, May 5, 2020What is the difference between Flood Insurance and Water Back up? Are you Protected? Flood Insurance is rarely included in a homeowners insurance policy and if it is, it is very expensive. Here is a typical example in the capital district of NY: rain falls quickly and heavily and the ground is simply not able to absorb the water. READ MORE >>
Friday, May 1, 2020TEEN DRIVING When my five boys were growing up, I was a pretty laid back mom. You wouldn’t find me chasing them around the playground with a tissue because their noses were runny, or hopping over the little league fence because one of them got hit by a pitch. READ MORE >>
Thursday, April 30, 2020Esurance published a report in March 2019 that notes that insurance companies are beginning to increase premiums for customers residing in high-risk natural disasters areas. Home insurance companies are also reducing the number of coverage options and increasing deductibles. READ MORE >>
Thursday, April 30, 2020 When reviewing their Home Owner’s Insurance policy, a common mistake people make is assuming that the Replacement Cost (Coverage A) of their home should match the market value of the home. Comparing these two values can be much like comparing apples to oranges. READ MORE >>
Tuesday, April 28, 2020If you can upgrade your car's safety features, great. If you can take a few advanced driving courses, even better. And of course, there are loyalty and age-related discounts that automatically kick in over time. But what are some easy ways to get your premiums down quick?
READ MORE >>
Thursday, April 23, 2020In general, flood coverage is only needed if you have a mortgage on your home and you reside in an area that is considered high-risk for floods. However, you should still consider getting flood coverage even if you don't meet either of these requirements. Most standard home insurance policies do not provide coverage for flooding. READ MORE >>
Tuesday, April 21, 2020When a car is "totaled," what that means is that your insurer has marked it up as a "total loss." That is, to repair the car would cost more than it would to replace it.
So, what happens to a totaled car after you've filed your auto insurance claim?
You Will Typically Retain Ownership of The Car
READ MORE >>
Tuesday, April 21, 2020When the need arises to obtain Insurance for yourself or your family there are 2 options available. You can either purchase thru an Agent or purchase directly from the Insurance Company itself. READ MORE >>
Thursday, April 16, 2020Have you ever driven by an old abandoned factory or warehouse only to see a security car parked in the lot? The place may have no employees, nothing on the premises worth stealing, but they still have a security guard. That's because the presence of security means that the owners of the property are saving more money on insurance than they're paying for the protection. READ MORE >>