Filing A Home Insurance Claim? Follow These Tips

Posted on July 31, 2025July 25, 2025 by admin

If your home is damaged in a covered event, the next step is to file a claim with your insurance company. While this process can be stressful, working with your insurance agent from Stewart Agency Inc., servicing Elmira, NY, ensures you have support every step of the way.

The experienced insurance professionals at Stewart Agency are here to help make your insurance claim process as smooth as possible. We also assist homeowners in finding the best insurance policies for their needs. If you already have a policy through Stewart Agency, you’re off to a great start.

Contact Your Insurance Agent

Begin the claims process by contacting your insurance agent. This should be one of the first actions you take after a covered incident occurs. For events like fires or burglaries, you may need to obtain a report from the fire department or police department to support your claim.

Document the Damage

Take pictures or videos of the damage to your property. Providing visual evidence to your insurance agent and claims adjuster can help expedite the claims process. Be sure to document the damage before starting any cleanup so that the adjuster can assess the full extent of the issue.

Save Important Documentation

Your insurance adjuster may require you to save documentation such as receipts for purchases, contracts with contractors, and other relevant paperwork. Confirm with your adjuster what specific documents need to be retained to support your claim.

Need Assistance? Contact Us Today

If you need guidance during the insurance claim process, the agents at Stewart Agency Inc., servicing Elmira, NY, are here to help. We can answer your questions and provide the information you need to keep your claim moving forward. To learn more about starting an insurance claim, contact us today.

Do I Need Special Insurance For My Vintage Convertible?

Posted on June 30, 2025June 24, 2025 by admin

Owning a vintage convertible is more than just having a stylish ride or a source of pride—it’s often an investment, a passion project, or a piece of automotive history. If you’ve recently acquired a classic car that’s a vintage convertible—especially one with a soft top—you might be wondering if standard auto insurance through Stewart Agency Inc, serving Elmira, NY, is enough to protect it. In most cases, the answer is no.

Why Standard Insurance Isn’t Always Sufficient

Traditional auto policies are designed for everyday vehicles that depreciate over time. They don’t typically account for the unique value or limited use of a vintage convertible. If your car appreciates in value or is rarely driven, a standard policy might not offer adequate protection in the event of theft, damage, or a total loss.

What Makes Classic Car Insurance Different

Classic car insurance is specifically designed for vehicles like yours. It often includes agreed value coverage, which means you and the insurer decide upfront what the car is worth, and that’s what you’re paid if the vehicle is totaled. This avoids disputes over depreciation and provides greater peace of mind.

Policies also tend to include flexible mileage limits, coverage for restoration work, and protection at car shows or in storage. Since vintage convertibles often feature delicate tops, specialized parts, or custom paint, this type of insurance is specifically designed to address these details.

Coverage Tailored to Your Collectible

In New York, if your vintage convertible is more than 15 to 20 years old and not used as a daily driver, classic car insurance may be a better fit. Please speak with an agent at Stewart Agency Inc., serving Elmira, NY, who understands collector vehicles to determine what coverage makes the most sense for your car and how it’s used. Protecting your investment properly starts with choosing the right type of policy.

Should You Add Roommates To Your Renters Insurance Policy?

Posted on May 30, 2025May 28, 2025 by admin

Roommates present a unique situation regarding renters’ insurance in Elmira, NY. Many policies won’t cover your roommate’s belongings unless they’re listed on the policy. However, several things must be considered before adding them to your personal policy.

Premium Payments

Your monthly premiums may increase depending on your roommate and how expensive their belongings are to replace. It’s unlikely they will decrease when you add another person. If there are problems with your roommate paying their half, you can also lose coverage for yourself.

Insurance Claims

Insurance claims will impact anyone listed on the policy. For example, if your roommate files a claim, it will impact the policy’s total cost and monthly premiums. This means you may pay more for your insurance even if you didn’t file a claim. This is one of the reasons companies like Stewart Agency Inc. often recommend that roommates get separate policies.

Coverage Limits

Renters’ insurance policies have coverage limits and may not be enough to cover everything for you and your roommate. These limits can vary from annual limits, depending on the company. For example, if your coverage limit is $10,000, and your roommate files a claim for $6,000 worth of damage, you may only have $4,000 left to cover damages to your belongings. Always consider the coverage you need to replace belongings when considering adding someone else to your policy.

Roommates and insurance policies can be a complex situation. Here at Stewart Agency Inc., we’ll discuss your available options to help you make the best choice for your situation. Contact us today to learn more. We’re currently serving the Elmira, NY area.

Why Storage Location Matters for Your Motorhome Insurance

Posted on April 30, 2025April 28, 2025 by admin

Being a motorhome owner opens up a realm of exploration, but the location where you store it during downtime can significantly impact various aspects, including your insurance. At Stewart Agency Inc., serving the greater Elmira, NY community, we aim to educate motorhome owners about how storage choices can affect coverage, costs, and overall peace of mind.

Storage Options Vary in Quality

The location and manner in which you store your RV contribute to your insurance risk profile. For instance, storing it in a secure, sheltered facility is generally safer than leaving it on the street or in an open field. Insurance providers take into account factors such as theft risk, exposure to weather, and local crime rates when calculating your premium. A motorhome stored in a locked garage or climate-controlled unit is less likely to suffer damage or vandalism, which could translate into lower rates for you.

Considerations for Seasonal Storage

Many motorhome owners embark on their journeys only during specific seasons. If you’re storing your RV during the off-season, it’s a good idea to inform your insurance provider so you can adjust your coverage accordingly. Some policies offer storage-only coverage, which protects against incidents such as fire, theft, or weather damage when the vehicle is not in use.

Ensuring Adequate Protection

At Stewart Agency Inc., serving the community in and around Elmira, NY, we’re committed to helping you make informed decisions about your motorhome insurance, including storage-related aspects. If you’re uncertain whether your current coverage reflects your storage situation, don’t hesitate to contact us. We’ll help you find the right plan that suits both your lifestyle and budget.

Lightning, Hail, and High Winds: How Extreme Weather Poses Unique Risks for RV Owners

Posted on March 28, 2025March 27, 2025 by admin

RVs offer the perfect way to explore the great outdoors, but they also face unique challenges, especially when extreme weather strikes. At Stewart Agency Inc. in Elmira, NY, we know that storms can pose serious risks to RV owners, from sudden hail damage to the dangers of high winds. Understanding these risks can help you protect your mobile home.

Lightning Strikes and Electrical Damage

One of the biggest concerns during a thunderstorm is lightning. Because RVs are often parked in open spaces, they can become targets for lightning strikes. While most RVs are designed to disperse electricity safely, a direct hit can still cause power surges, fry electrical systems, and even start fires. If you’re caught in a storm, unplugging electrical hookups and using surge protectors can help prevent costly damage.

Hail Can Cause Significant Damage to Your RV’s Exterior

Hailstorms can be brutal on an RV, leaving behind dents, cracked windows, and even punctures in the roof. Unlike a standard vehicle, an RV’s larger surface area means there’s more opportunity for damage. Parking under shelter when possible or using an RV cover can help minimize the risk, but having the right insurance coverage is essential for repairs.

High Winds and the Risk of Tipping

Strong winds can be dangerous for RVs, especially when driving. Crosswinds can push your vehicle off course, while extreme gusts can even tip a parked RV over. If high winds are in the forecast, securing your RV with stabilizers and avoiding travel can help keep you safe.

Stay Protected with Appropriate Insurance

At Stewart Agency Inc. in Elmira, NY, we understand the risks RV owners face when dealing with extreme weather. Contact us today to review your RV insurance policy.

What Should You Pay Attention To When Buying Motorcycle Insurance For the First Time

Posted on February 28, 2025February 26, 2025 by admin

Purchasing your first motorcycle is an exhilarating experience, but before you hit the open road, it’s crucial to ensure you’re adequately insured. Motorcycle insurance provides protection and peace of mind every time you ride. At Stewart Agency Inc. in Elmira, NY, we assist riders in finding the proper coverage. If you’re buying motorcycle insurance for the first time, here are a few key things to consider.

Understanding Coverage Options

Not all motorcycle insurance policies are the same, so it’s important to understand what’s included. Liability coverage is required in most states and helps cover damages or injuries you may cause to others. However, it doesn’t cover repairs to your own bike. Comprehensive and collision coverage can protect your motorcycle from accidents, theft, vandalism, or weather-related damage. Consider your budget and the level of protection you need before choosing a plan.

Factoring in Your Riding Habits

Your riding habits can impact the type of coverage that’s best for you. If you only ride occasionally, you may not need the same level of coverage as someone who commutes daily. Additionally, if you have a custom or high-value motorcycle, you’ll want to ensure your policy covers specialized parts and accessories.

Comparing Deductibles and Premiums

Like any insurance policy, motorcycle coverage comes with deductibles and premiums. A lower deductible means you’ll pay less out of pocket if you file a claim, but it may result in higher monthly premiums. Finding the right balance between affordability and protection is key.

Choosing the right motorcycle insurance doesn’t have to be complicated. Stewart Agency Inc. in Elmira, NY is here to help you navigate your options and find a policy that keeps you protected. Contact us today to get started.

Seasonal Boat Insurance Policy Assessments in New York

Posted on January 31, 2025January 29, 2025 by admin

Boat ownership in Elmira, NY, comes with unique weather-related risks and challenges. These require regular insurance assessments to ensure optimal coverage. Whether your vessel is in active use or stored during the off-season, it’s crucial to reassess your boat insurance policies periodically. At Stewart Agency Inc., we’re committed to helping you reevaluate your boat insurance policies to protect your investment throughout the year.

Key Aspects to Review

During a seasonal boat insurance policy review, consider the following:

Liability Coverage: Ensure your current policy provides sufficient liability limits for guest injuries, boating accidents, or property damage related to your vessel.
Physical Damage: Check if your policy covers physical injuries caused by vandalism, collisions, or severe storms.
Transportation/Storage: It’s also essential to have coverage for your boat during transportation or storage.
Add-on Policies: Add-on policies and rider additions can cover accessories, fishing gear, and navigation equipment. If you plan to dock your boat outside of Elmira, check your policy for any current current navigational limits.

Managing Your Seasonal Boat Insurance

Keep the following tips in mind:

Winterization: Properly winterizing your boat each year can reduce the risk of damage and potentially lower insurance premiums over time.
Communication is Key: Keep your insurance provider informed about storage plans or any recent changes or updates to your boat to ensure adequate protection.
Bundling: Bundling policies can also help reduce premiums.

Whether you’re a recreational boater in Elmira, NY, or you enjoy boating during specific seasons or competitions, having adequate boat insurance is crucial before setting sail. For more information about seasonal boat insurance policy assessments and to determine if your current policy meets your coverage needs, contact Stewart Agency Inc. for a consultation today.

Get More Liability Coverage for Your Home and Auto Policies With Umbrella Insurance

Posted on December 31, 2024January 5, 2025 by admin

If you already have a home insurance policy and an auto insurance policy, there is another type of insurance that you may be missing – umbrella insurance. This type works with those other two policies to leave you better protected. It’s a good idea to look into this kind of insurance policy to see whether you need this type of protection. Call us at Stewart Agency, Inc. in Elmira, NY to get umbrella insurance.

More Liability Coverage

It’s essential to have enough liability insurance in case of a serious accident. When you have auto and home policies, each of these comes with a specific level of liability insurance. This pays for someone else’s medical bills and other costs when they have been in an accident for which you’re liable. With auto insurance, this is for the other party when you’re involved in a car accident. With home insurance, it’s for the other party when they have an accident in your home or on your property. The issue is that these policies often have very little liability coverage, leaving you vulnerable if there is a serious and expensive accident.

How It Works

Once an accident occurs, the first step is for your home or auto insurance to come in and pay for the accident. The policy that responds can only pay up to the maximum set by the policy. If anything is owed after that, your umbrella insurance will come down and pay this overage. This can save you enormous money if the accident is severe. It’s always a good idea to have this protection just in case of an accident.

Get Umbrella Insurance in Elmira

When you need this important protection, we’re here to help. Call us at Stewart Agency, Inc. in Elmira, NY.

Flood Insurance: What Type of Flooding Does It Cover?

Posted on November 27, 2024November 26, 2024 by admin

Flood insurance can seem relatively straightforward. Most who are considering flood insurance are looking to defend their properties against flood damage that extreme weather events like hurricanes or flash flooding could cause. But you might be curious: Would flood insurance cover interior flooding that is not caused by external factors? Knowing this ahead of time will prevent you from relying on a policy that may not pay out when you need it most. Let’s take a closer look at what your typical flood insurance policy will cover and how you can get the coverage with the support of us here at Stewart Agency Inc. in Elmira, NY.

Does Flood Insurance Cover External Flooding, Internal Flooding, or Both?

Flood insurance policies are designed to cover external flooding caused by things like storms and hurricanes. This is because specific policies like homeowners insurance may not cover these with their policy. However, flood insurance policies won’t cover internal flooding caused by developments like plumbing leaks. The good news? Most homeowners insurance policies will cover damage caused by flooding due to internal plumbing problems. If you have both a flood insurance policy and coverage for your home or property, you will have the coverage you need to ensure you’re protected against flooding inside and out.

Secure a Flood Insurance Policy Seamlessly With Stewart Agency Inc.

If you live in an area susceptible to floods, having a flood insurance policy can provide you with the peace of mind you need, knowing that you’ll be able to afford any damages caused by flooding. We here at Stewart Agency Inc. in Elmira, NY are always ready to support you as you look for flood insurance for your home. Compare New York insurance quotes with us today!

Gap and Umbrella Policies – Do You Need Them?

Posted on October 31, 2024October 28, 2024 by admin

As a car owner, you are responsible for purchasing auto insurance. Without it, you might not be able to afford auto repairs or the costs of injuries you or the other driver may sustain in an accident. If you live near Elmira, NY, and have questions about auto insurance, our Stewart Agency, Inc. team can help you explore options that may be right for you.

Gap and Umbrella Policies

In New York State, you are required to have coverage for property damage and bodily injury. You might also choose to add coverage for collision (the cost of damage to your car) or liability (in the event of being sued by the other driver.) If your accident causes sufficient damage to declare your vehicle a total loss, the amount of money your insurance pays may not be enough to pay the amount you still owe your lender. Some auto lenders will encourage car buyers to purchase a gap policy, which will pay the difference between the amount paid by insurance and the amount you still owe.

Clients with additional personal resources (such as a home or boat) in addition to their car may consider buying an umbrella policy. Umbrella policies provide additional liability coverage if a judgment against you exceeds your policy limits. Umbrella policies typically have a higher limit of liability insurance – sometimes up to $1 million.

Contact Us Today

Our team has years of experience and wants to give you peace of mind regarding your insurance needs. Clients in the Elmira, NY, area can feel confident when visiting us for their insurance needs. Contact us for an appointment or a quote today, and let’s makensureu have the coverage you need.

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