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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Monthly Archives: March 2023

Top Three Security Risks In Your Home

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Home insurance is designed to support you following a home-related issue such as damage or burglary. However, the first line of defense is always to do everything in your power to prevent these events from happening in the first place. At NY Twin Bridges Insurance Agency, serving Albany, NY, we want to help you keep your home safe in every way possible. Keep reading to learn about the top three security risks to your home. 

No Security System 

Having a security system is the number one way to deter burglars. A security system not only deters burglars, but if your home is invaded, a security system minimizes the time it takes for law enforcement to arrive. These critical moments could mean the difference between a tragedy and a would-be tragedy. 

No Door Camera 

Door cameras are becoming more and more easily accessible with modern technology. Even if you do not have a complete security system in your home, a door camera can significantly increase the safety and security of your family. These devices allow you to have better control over your property, and most door cameras allow you access to video right from your phone. This means that even while you are away from home, you can always know what is happening. 

Poor Outdoor Lighting

This is a simple step you can take to increase the safety and security of your property. Outdoor lighting can be used to deter burglars and make your property a safer place. Burglars look for properties that can be accessed with the least amount of attention. Things like outdoor lighting, dogs, and security systems all help to send a message to would-be burglars that this house is difficult to access without bringing attention. 

If you want to learn more about home insurance, please get in touch with us at NY Twin Bridges Insurance Agency, serving Albany, NY, and the surrounding areas. 

How Might Vehicle Upgrades Affect Your Auto Insurance?

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For many people, upgrades and modifications are part of the fun of owning just the right car and genuinely making it their own. But can upgrades affect your auto insurance policy?

If you’re in or near Albany, NY, and need help buying or updating your auto coverage, we at NY Twin Bridges Insurance Agency can help. In the meantime, here are a few things every car owner should know about the correlation between upgrades and insurance coverage.

Do upgrades affect your auto insurance?

Yes, they do – even if the upgrades or changes are minor. Auto insurance policies tend to be highly specific. Many factors, including the vehicle’s inherent value, determine rates and coverage.

Upgrades to a vehicle almost always mean it will be worth more and potentially sell for more. They can also add up to additional risks for drivers. It should make sense that auto insurance premiums usually go up to reflect these changes.

What happens if I upgrade my car but not my insurance policy?

Many Albany, NY drivers fail to inform their insurance companies of changes made to their vehicle, either because it doesn’t cross their mind in the first place or because they want to avoid paying higher premiums. Don’t do this.

If you have to file a claim, there’s a solid chance your insurance company will deny it, leaving you on the hook for many expenses and liabilities that would have been covered otherwise. If you’re not sure whether an upgrade you’re considering will affect your coverage – even if it’s something small, like a new paint job – you can always contact your insurance company for more information first.

We at NY Twin Bridges Insurance Agency will be happy to address any auto insurance concerns and help you make sense of the available options. Get in touch today!