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Car Insurance | Home and Life Insurance

 Hudson Valley  Car Insurance | Home and Life Insurance

Car Insurance | Home and Life Insurance | Albany Albany County
      [3 listings over 1 location]
Car Insurance | Home and Life Insurance | Columbia Columbia County
      [2 listings over 1 location]
Car Insurance | Home and Life Insurance | Dutchess Dutchess County
      [5 listings over 4 locations]
Car Insurance | Home and Life Insurance | Greene Greene County
      [2 listings over 1 location]
Car Insurance | Home and Life Insurance | Orange Orange County
      [4 listings over 2 locations]
Car Insurance | Home and Life Insurance | Putnam Putnam County
      [11 listings over 6 locations]
Car Insurance | Home and Life Insurance | Rockland Rockland County
      [8 listings over 6 locations]
Car Insurance | Home and Life Insurance | Ulster Ulster County
      [4 listings over 3 locations]
Car Insurance | Home and Life Insurance | Westchester Westchester County
      [59 listings over 32 locations]

Related Categories:
 Professionals | Consultants

Car Insurance - Home Insurance - Life Insurance
Hudson Valley
New York

Are you thinking about buying a new car? You will need auto insurance to drive a car in New York. Are you about to buy a home in the Hudson Valley? In order to protect your new home, you should buy home and property insurance. Or, are you interested in a life insurance policy to protect your family?

Find insurance agents offering car insurance, home insurance, and life insurance policies at Hudson Valley Insurance Companies.

Call an insurance agent for information about the different types of insurance typically needed to protect a family. Find insurance agents throughout the Hudson Valley. For your local insurance company visit an

If you are confused about the different types of insurance (auto insurance, property and home insurance, life insurance) and the insurance requirements in your state, call an insurance agent and let them help you to understand the best insurance plan for you and your family.

Popular types of insurance include:

  • Car Insurance

  • Health Insurance

  • Life Insurance

  • Property and Home Insurance

According to Encyclopedia Britannica, "Insurance is a system under which the insurer, for a consideration usually agreed upon in advance, promises to reimburse the insured or to render services to the insured in the event that certain accidental occurrences result in losses during a given period."

Insurance usually involves the collection of funds from many to pay for the losses of a few. Through the purchase of insurance, the insured entities become protected from partial or complete loss of the insured object.

    Determining the cost of insurance is generally considered the most difficult function in the process of insuring an entity. This process uses actuarial science in the determination of rates and risk. What is the possibility of the insured event occurring, and how much is the risk worth?

In other words, insurance is a method by which someone can more easily deal with the uncertainties of risk associated with damaging or losing something or someone. The main purpose of insurance is to remove the uncertainty, usually of economic loss, through the protection of insurance. In addition to car insurance, one of the most common forms of insurance is a life insurance policy.

Automobile - Car - Motor Vehicle

Car Insurance aka Motor Vehicle Insurance and Auto Insurance
is among the most frequently purchased forms of insurance. Although there are many types of insurance available (in fact, you can probably insure most objects - for a price); people of driving age are concerned with purchasing auto insurance (car insurance, motor vehicle insurance) and liability insurance related to driving a car.

Encyclopedia Britannica defines auto insurance as:

    Motor Vehicle Insurance
    "Motor vehicle insurance, also called automotive insurance, a contract by which the insurer assumes the risk of any loss the owner or operator of a car may incur through damage to property or persons as the result of an accident. There are many specific forms of motor vehicle insurance, varying not only in the kinds of risk that they cover but also in the legal principles underlying them.

    "Liability insurance pays for damage to someone else’s property or for injury to other persons resulting from an accident for which the insured is judged legally liable; collision insurance pays for damage to the insured car if it collides with another vehicle or object; comprehensive insurance pays for damage to the insured car resulting from fire or theft or many other causes; medical-payment insurance covers medical treatment for the policyholder and his passengers.

    "According to the Insurance Information Institute, in the United States in the early 21st century, about two-thirds of the money spent on premiums for private passenger auto insurance went to claims. More than half of this amount covered car damage. The rest covered personal injuries. The remaining third of the money spent on premiums covered insurance companies’ expenses such as commissions, dividends to policyholders, and company operations and contributed to their profits."

There is no one definitive set of insurance requirements in the United States. All 50 states have different requirements when it comes to auto insurance and the minimum insurance requirements. Almost every state requires you to own Bodily Injury Liability insurance, and every state has financial responsibility laws that require the driver to have sufficient assets to pay for any liability you cause in a car accident.

As of 2010, with the exception of New Hampshire, all states have compulsory auto insurance liability laws. Unless you live in New Hampshire; if you drive an automobile in the United States, including D.C., you are required by law to purchase car insurance.

All states require that a car owner is financially responsible to operate a vehicle on the roadway. Most states have minimal auto insurance requirements in order to drive a car. To speak with a local insurance company and learn more about automobile insurance, visit

Before you buy auto insurance, speak with an insurance agent to learn more about automobile insurance requirements and policies in the Hudson Valley of New York.

Homeowners Insurance
Hudson Valley, NY

Homeowners Insurance
Homeowner's insurance is available to insure against loss from accidental destruction of property. Homeowner's insurance is usually defined into at least three sections;

  • Agreement to insure a property

  • Identification of the insured property

  • Conditions, stipulations, and exclusions pertaining to the property

"Homeowners Insurance can help you achieve peace of mind, knowing that in the event of a covered loss, your damaged home will be rebuilt and your destroyed belongings will be replaced. Types of coverage include:

  • Dwellings and other structures

  • For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.

  • Dwelling Improvements, Alterations, and Additions

  • Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.

  • Loss assessment

  • Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.

  • Personal Property

  • Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.

  • Personal Liability

  • Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium, or renter policy provides liability coverage and personal property insurance.

    *Only up to the limits of the insurance coverage purchased."
Find a list of insurance companies that offer Home and Property Insurance in the Hudson Valley of New York State. Contact a reputable insurance agent for more about

Homeowner's insurance policies may be defined as follows:

  • Perils Insured Insurance Policy

  • A homeowner’s policy can have coverage defined as “all risk” or “named peril.” All-risk policies offer insurance on any peril except those later excluded in the policy. The advantage of these contracts is that if property is destroyed by a peril not specifically excluded the insurance is good. In named-peril policies, no coverage is provided unless the property is damaged by a peril specifically listed in the contract.

    In addition to protection against the loss from destruction of an owner’s property by perils such as fire, lightning, theft, explosion, and windstorm, homeowner’s policies typically insure against other types of risks faced by a homeowner such as legal liability to others for injuries, medical payments to others, and additional expenses incurred when the insured owner is required to vacate the premises after an insured peril occurs. This type of homeowner’s policy is multi-peril in nature, covering a wide variety of risks formerly written under separate contracts.

  • Property Covered Insurance Policy

  • Homeowner’s forms are written to cover damage to or loss of not only an owner’s dwelling but also structures (such as garages and fences), trees and shrubs, personal property (excluding certain listed items), property away from the premises (such as boats), money and securities (subject to dollar limits), and losses due to forgery. They also cover removal of debris following a loss, expenditures to protect property from further loss, and loss of property removed from the premises for safety once an insured peril has occurred.
For car insurance, homeowners insurance, life insurance and other types of insurance policies, find an insurance company in New York.

Sources of Insurance Information
Encyclopedia Britannica
Farmers Insurance

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