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Elmira, NY 14903

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Corning, NY 14830

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Tag: elmira

Can You Get Additional Coverage Under Your Flood Insurance Policy?

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A flood insurance policy is a necessary investment if you have a home in a flood-prone area. That being said, basic flood insurance still might not meet all your needs, even though it does offer additional coverage to further protect your property.

Can you get additional coverage under your flood insurance policy? Absolutely! We’ll help you understand what type of customizations you can make to your flood insurance policy. Our team of insurance professionals at Stewart Agency Inc., serving Elmira, NY, can also help you find the right flood insurance policy for your home. 

What Types of Add-ons Are Available for Flood Insurance?

There are many ways you can enhance your flood insurance coverage. For example, are you worried that a major flood in your area could leave you without a place to live temporarily? If so, ask your insurance agent about additional living expenses coverage to ensure you have the additional funds needed to find temporary accommodations while your home is being cleaned and repaired.

Or, are you worried about specific contents in your home, like high-value items? You can get additional coverage for these through a scheduled property endorsement. If you’re a landlord, you can even get a flood insurance add-on to replace lost rental income.

As you can see, your flood insurance can be customized to suit your individual needs.

Browse Flood Insurance Options With Stewart Agency Inc.

We here at Stewart Agency Inc., serving Elmira, NY, are always just one call or email away. Contact us to get a quote!

How to Select a Deductible for Your Auto Insurance Policy

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Any vehicle owner in Elmira, NY, is required to purchase the minimum auto insurance mandated by New York law. However, you have the option to choose your deductible, giving you control over how much you spend on insurance each month.

Setting a Deductible: How It Works

The higher your deductible, the lower your insurance premiums will be. However, a high deductible means you will need to pay more out-of-pocket if you are involved in a vehicle accident compared to having a lower deductible. Many experts recommend setting a deductible that you can realistically afford in the event of an accident.

Ask your insurance agency for policy quotes with both high and low deductibles. This will help you determine if raising your deductible is worthwhile and allow you to choose the policy that best fits your financial situation.

It is also a good idea to learn about your insurer’s policy regarding deductible changes. Many insurers allow clients to adjust their deductible at any time, making it easier to adapt your policy to meet changing needs. However, please note that policy changes may take some time to take effect. This is especially important if you are considering lowering your deductible before a long or potentially risky trip.

Need More Information? Stewart Agency Inc. Can Help

Stewart Agency Inc. offers a variety of auto insurance policies for drivers in and around Elmira, NY. We can assist you in reviewing different policy options, setting an ideal deductible for your new policy, and more. Contact us today to learn more about our offerings or to request price quotes.