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Twin Bridges Insurance Agency

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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Why You Need Home Insurance

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When you own a home, you have many ways to protect it and keep it in good condition. One way is always to have home insurance to cover it. These policies have many different kinds of coverage within them. Each of these protects you in its own way. It’s generally required to have home insurance if you have a lender. Some neighborhoods require you to have it. Most HOAs require it. Even if it isn’t a requirement for you, having this insurance is necessary. Call us at NY Twin Bridges Insurance Agency in Albany, NY to get started. 

You Need Home Protection

Owning a home means paying for that home’s repairs when it’s damaged unless you have home insurance to cover it. Home insurance covers many different kinds of damage that happen for various reasons. This could be a disaster, a calamity, an accident, etc. When a covered event happens to your house and causes damage or destruction, the policy can pay to get it back in good condition. Home damage can be costly, so it’s always good to have this coverage. 

Item Protection Is Important

The items inside your home are also in need of coverage, and home insurance does this. It covers everything in the house so that they can be replaced if a damaging, covered event destroys them. 

Your Liability Can Be Expensive

Home insurance also covers your liability against accidents. Someone injured in your home can have expensive medical bills, and you’d have to pay them. With home insurance, those bills get paid. 

Get Home Insurance 

Getting home insurance is a must. If you don’t have it, call us at NY Twin Bridges Insurance Agency in Albany, NY to learn more. 

What You Need To Know About Insuring A New Car

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With many people in Albany, NY purchasing a new car every year, it’s essential to understand how auto insurance comes into play. At NY Twin Bridges Insurance Agency, we are honored to help customers understand how to navigate insurance for their new vehicles. Have you recently bought a new car? Here are a few things to consider regarding your insurance.

Insuring Your New Car

When purchasing or leasing a new car, it is necessary to obtain insurance. If you do not have car insurance, you must buy it before driving your new vehicle. The typical information you’ll need to get a policy with us is a driver’s license and information about the vehicle (make, model, and VIN). Our expert team will discuss your options and help you choose the best coverage for your needs and budget. Insurance can sometimes be confusing, but our agents will simplify the process.

Understanding What Your Lender Requires

If you are financing a car through a lender, there are requirements that you must meet in terms of insurance coverage. Lenders typically require borrowers to have comprehensive and collision coverage on their vehicles. Once the car is paid in full, you can alter or update your policy as needed. We’ll help ensure you have the coverage you need. As a considerable investment, working with a trusted insurance agency like NY Twin Bridges Insurance Agency is critical when searching for insurance for a new vehicle.

Get An Auto Insurance Policy In Albany NY

Let us help you enjoy your new vehicle without worry! Call NY Twin Bridges Insurance Agency to get a free estimate or if you have any questions.

When Having Life Insurance Is Most Important

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It’s not uncommon for those living in Albany, NY to overlook the value of having a life insurance policy in place. In a world where unforeseen tragedy is all too common, having a policy–even if you don’t think you need one–can make a world of difference to those we leave behind. With an average of 50% of Americans going without life insurance, the NY Twin Bridges Insurance Agency team has made it our mission to ensure that everyone has the information they need to make the right choice for themselves and their loved ones.

Who Benefits the Most From Life Insurance

In short, a life insurance policy isn’t for us. It’s for our loved ones. Life insurance can be the difference between our families making complicated financial decisions during a difficult time and having a sense of security while adjusting to our passing. A policy can help loved ones pay for funeral costs and any bills or debts left behind. This is why you should choose a policy that offers a payout capable of handling end-of-life expenses, especially if you’re a major earner in your home. Even if you don’t contribute to your household financially, there are likely countless tasks you perform that your family may need financial support to continue.

Find the Right Life Insurance Policy at NY Twin Bridges Insurance Agency

As you can see, having a life insurance policy in Albany, NY is a no-brainer. No matter your situation, there’s a plan type that meets your needs available. If you need help sorting through the weeds for the perfect policy, our team can help. We’ll ensure you have all the information you need to make the best possible choice for your family. Contact us today to learn more.

Protect Your Bottom Line from Financial Losses with Commercial Insurance in New York

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Many business owners in New York understand that running a business comes with unique rewards and challenges. One of the significant challenges businesses face is dealing with commercial liability claims. 

Commercial insurance is undoubtedly one of the best ways to safeguard your business against unexpected and damaging financial losses. 

Licensed insurance agents at NY Twin Bridges Insurance Agency in Albany, NY can explain the benefits of having commercial insurance in New York.

Why Your Business Needs Commercial Insurance in New York

We all know that accidents happen in our everyday lives. They can also occur in business. 

When your business is faced with a liability claim from a dissatisfied customer, financial losses from extended shutdowns, or paying workers’ compensation claims for employees who were injured at your workplace, commercial insurance can help. 

Business owners can shield themselves from financial liability claims that can cause devastating consequences that could potentially wipe out their bottom line. 

  • Financial Losses: when New York business owners are sued for liability claims without insurance, they could be on the hook for legal fees, including settlements and judgments. 
  • Exorbitant Legal Expenses: uninsured business owners may have to dig deep into their pockets to cover legal expenses for liability claims filed against them. 
  • Potential Risk to Your Assets: your assets may be at risk if your business becomes insolvent because of legal claims and paying legal fees as out-of-pocket expenses. 
  • Reputation Damage: nothing is worse than losing business due to irreparable reputation damage that can happen when someone files an inflammatory legal claim against your company. 

Get Commercial Insurance in New York 

Talk to commercial insurance agents at NY Twin Bridges Insurance Agency in Albany, NY, to learn about the best options for your business! 

Tips to Help You Stay Safe When Driving on Unfamiliar Roadways

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School is almost out for the summer, and once that happens, many families will be hitting the roads for summer vacation. If you are planning on driving this summer on unfamiliar roadways, NY Twin Bridges Insurance Agency, serving the greater Albany, NY area, would love to provide you with tips to help you stay safe when driving on unfamiliar roadways. 

Familiarize Yourself With Your Route Ahead of Time

One thing you should do before heading out on a road trip is to familiarize yourself with the route you will be taking. Try to get a feel for the freeways, highways, and roads you will be taking, and prepare yourself for any adverse conditions you may come across, including windy roads or road construction. 

Obey Posted Speed Limit Signs

Another tip you should follow when driving on unfamiliar roadways is to obey the posted speed limit signs. Speeding, in general, is unsafe, but it is even more unsafe if you are unfamiliar with the roadways. As such, you should always obey the posted speed limit signs. 

Always Ensure You Are Well Rested

Lastly, get as much sleep as possible before heading out on a road trip. Additionally, take breaks along the way to stretch your legs and rest. And always pull over and sleep if you start to doze off or feel tired. 

The above tips can help increase your safety when driving on unfamiliar roadways for a trip or vacation. Unfortunately, accidents can still happen, and if one does happen, you want to ensure you are prepared. Our team at NY Twin Bridges Insurance Agency, serving the greater Albany, NY area, can help you find the best auto insurance policy for your needs. Call us today to obtain a quote. 

The Most Common Homeowners Insurance Claims

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Home insurance is a simple and efficient way to ensure you can restore your family’s life and home after an unexpected event disrupts your family’s daily routine. The team of insurance professionals at NY Twin Bridges Insurance Agency is ready to help you select the insurance policy that meets your needs as a homeowner in Albany, NY.

The Most Common Homeowners Insurance Claims

According to an Insurance Information Institute (III) study, in 2020, 6% of insured homes submitted a claim for insurance reimbursement. Nearly 98% of those claims against a homeowner’s policy dealt with were for property damage. This is how the most common homeowners insurance claims break down.

Wind &Hail – 45.5% of Claims Submitted

The largest category includes damage caused by –

  • Hurricanes
  • Tornadoes, and
  • Wind associated with thunderstorms.

Fire & Lightning – 23.8% of Claims Submitted

These homeowners insurance claims tend to be the costliest type of claim compared to other insurance claims.

Water Damage & Freezing – 19.9% of Claims Submitted

This type of damage happens when pipes freeze and burst or one of the home’s appliances begins to leak. This does not include flood insurance coverage – which is a separate policy.

All Remaining Property Damage – 7.9% of Claims Submitted

The remaining category covers all other forms of property damage, which may include –

  • A tree that falls through your roof.
  • A baseball that shatters your window, etc.

Bodily Injury/Property Damage to Other Individuals – 2% of Claims Submitted

While occurring at less frequency, liability claims typically are more expensive when they happen.  

Do you have questions regarding a homeowners insurance policy for a home or condominium in the greater Albany, NY area? Contact our licensed insurance professionals at NY Twin Bridges Insurance Agency at 518-608-5797.

Comprehensive Life Insurance Policies for Business Owners with NY Twin Bridges Insurance Agency in Albany, NY

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As a business owner, you are responsible for your company and employees. No matter what happens, it would be best if you considered your business’s financial future and its effect on your workers and legacy. With the right life insurance plan, you provide a safety net for all parties in the case of your unexpected passing.

Providing a Safety Net for Your Company and Employees

Whether your employees have worked for you for years or a day, you owe them a safety net if something happens to you, so choosing a life insurance policy that considers your personal and professional assets is crucial. Take time to think about what makes the most sense for your business needs. 

Choosing The Right Policy for Your Business

Fortunately, you have options. At NY Twin Bridges Insurance Agency in Albany, NY, we are here to assist you. We get it; you’d prefer to live forever and never have to think about these things, so we’ll ensure the process is simple and smooth.

As a business owner, you have to consider what assets should go to your loved ones and what should be put toward the company. After all, if something happens to you, then the financial burden isn’t just going to be felt professionally. Your policy should include coverage for necessary funds like funeral costs, outstanding debts, and estate taxes. Not only does this ease the burden on your loved ones, but it also ensures that money doesn’t come from the business. 

Plan Your Financial Future with NY Twin Bridges Insurance Agency

Don’t wait to plan your financial future. Contact NY Twin Bridges Insurance Agency in Albany, NY, at (518) 608-5797. 

The importance of workers compensation insurance

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Many workers don’t realize the importance of workers’ compensation insurance. It’s a type of insurance that helps protect your employees if they become injured or ill while on the job. Workers’ compensation provides financial protection to employees who suffer from lost wages due to an occupational illness, injury, or death. It also covers medical bills related to the illness or injury and can provide rehabilitation services if necessary. NY Twin Bridges Insurance Agency offers this insurance and can help you with a quote.

Knowing your Workers’ Compensation Policy

For employers, having workers’ compensation insurance helps them cover costs associated with employee injuries and illnesses. This ensures that employers are not held financially responsible for such instances, which could otherwise jeopardize their business. By protecting both employees and employers alike, workers comp offers a layer of safety that can save companies a lot of money in the long run. 

In some states, it’s illegal for businesses to operate without workers’ compensation insurance. So all businesses need to understand the importance of this type of protection and ensure they have the proper coverage. It offers peace of mind for both employees and employers and helps ensure a safe workplace environment free from financial worry in case of an unexpected injury or illness.

For more information or to find a policy that is right for you, please call us at NY Twin Bridges Insurance Agency today. We proudly serve the Albany, NY area and would be happy to help you find peace of mind with a worker’s compensation policy that matches your needs and budget.

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!