What new homeowners need to know about home insurance

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At VAC Insurance Agency in Brooklyn, NY, we realize that home insurance is not one size fits all. Some of our new homeowners may not realize they have home insurance options. We make it our business to ensure they get the right policy for them and their home. 

Your liability coverage should be customized to your needs

You can choose the amount of liability coverage that you have on your home policy. It would be best to protect your assets, so that is where the amount should begin, keeping in mind all the things you might need when determining the necessary amount. 

You can choose what type of content coverage you want

Two types of content coverage are available. You can opt for replacement cost or current value. The item’s age is considered when determining value with the current value. 

Home insurance doesn’t cover everything.

Home insurance has exclusions, and some of them may surprise you. Flooding is not covered by home insurance. Termites and mold are also not covered. Earthquakes, sinkholes, mudslides, and landslides are not covered. 

You can add endorsements to your policy for additional coverage

You should have a jewelry endorsement if you have a lot of jewelry. If you have a coin collection, you should have an endorsement. 

Not all dogs are covered by your home insurance.

If you have a dog or dogs, you need to know that not all dogs are covered by home insurance. Some are considered too dangerous to cover. Talk to your insurance agent to make sure yours are covered. 

Contact VAC Insurance Agency in Brooklyn, NY when you can choose your first home insurance or renew your present policy. 

Flood Damage: Not a Laughing Matter

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Despite the increase in flood disasters in recent years, many homeowners still believe “it could never happen to me.” Unfortunately, it could – even if you live in a non-flood zone area. New York is no stranger to severe weather events like tropical storms, nor-easter, and hurricanes that can lead to flooding. You can protect your Brooklyn, NY home and belongings from a flood disaster by purchasing flood insurance from VAC Insurance Agency. 

Flood Damage

Tragically, many homeowners are caught unaware when it comes to flooding and suffer the consequences. Floods can occur quickly without much warning, devastating an entire community. It doesn’t take a major flood to cause severe water damage to a home’s structure. Even a few inches of flood water can devastate your property, leaving you with tens of thousands of dollars worth of damage. If you don’t have the resources to recuperate your losses, flooding could easily cause financial ruin.

Benefits of Flood Insurance

As a homeowner, you can’t prevent floods from occurring, but you can prepare in advance to recover from a flood event with flood insurance. Your home insurance policy protects you against many types of disasters – fire, wind, hail, etc. – but doesn’t cover flooding.

Flood insurance can provide you with financial aid to restore your home and replace your goods after a flood disaster. Through a flood insurance policy, you can obtain coverage for your home (dwelling) for up to $250,000 and your belongings for up to $100,000. These funds can be instrumental in helping you recover from a flood catastrophe. Through flood insurance, you can avoid losing everything to a flood disaster.

Contact VAC Insurance Agency Today for Flood Insurance!

To learn more about flood insurance options and costs, contact VAC Insurance Agency in Brooklyn, NY today! 

How workers compensation insurance can protect both you and your employees

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Workers’ compensation insurance is something that can benefit both you and your employees here in the Brooklyn, NY area. It’s a form of insurance that provides financial protection for employees in the case of work-related injuries or illness. For employers, workers’ compensation helps cover the costs associated with medical treatment, lost wages, disability benefits, and legal fees. At VAC Insurance Agency, we want you to know how it can help both parties.

The most important thing to remember about workers’ compensation insurance is that it protects both employees and employers from financial hardship due to an injury or illness at work. In most cases, it covers any medical bills related to the injury or illness and any lost wages due to time taken off work. It also provides legal fees coverage if an employee decides to sue the employer for negligence or wrongful dismissal. If an employee dies on the job, workers’ compensation can help cover funeral expenses too. 

Workers’ compensation insurance also serves as a safety net for employers and employees—it ensures that those injured are financially protected during difficult times. This type of coverage encourages workplace safety by reducing employer liability in certain situations while providing financial relief to injured employees who need it most. 

Overall, having workers’ compensation insurance is essential for businesses of all sizes—not only does it provide peace of mind knowing everyone’s covered, but it’s also an intelligent way to ensure workplace safety and protect yourself from costly lawsuits or other liability issues down the line.

For more information or to find a policy that suits your business, call us at VAC Insurance Agency today. We are proud to serve the Brooklyn, NY area.

Tips for making your home safer

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For most people, homes are their safe place. To make sure that your home actually is a place that is safe both inside and out, there are some things you should do. At VAC Insurance Agency in Brooklyn, NY, we contribute to making your home safer by helping you choose the home insurance that will provide just the right amount of protection. 

Security

Home security is something that people think about a lot these days. If you don’t already have a home security system, there has never been a better time. You have many affordable options that can allow you to feel safer while you are at home and away. Many of them can be installed by a homeowner in just a few minutes. Beyond that, your doors and windows have locks. Use them. 

Lighting

Lighting is important inside and outside of your home. Outside, having motion detection lights will make sure that you can see as you walk around, and you can also see any movement outside. Inside, it is equally important to ensure the stairs and hallways are well-lit and keep free of clutter to save you from a trip and fall injury. 

Fire

Fire is a significant safety hazard to your home. Ensure chimneys are kept clean and your furnace is cleaned every year. Change the batteries in your smoke detector every six months, and have a fire extinguisher that is easy to access. Do a safety drill with the family so everyone knows how to get out in a fire. 

In Brooklyn, NY, you can count on VAC Insurance Agency to provide the customer service needed to feel safe in your home. Give us a call to discuss your home insurance needs. 

What Flood Insurance Does and Does Not Cover

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As residents of the Brooklyn, NY area, it is critical to understand what is and what is not covered under your flood insurance policy. The experts at VAC Insurance Agency have compiled a summary of common coverages under a specific flood insurance program and coverages that are typically excluded. Contact VAC Insurance Agency today if you are unsure what is covered under your flood insurance program. 

What is covered under a flood insurance policy?

First, it is critical to understand that your homeowners’ policy will not cover you for damage caused by flood waters; you must purchase a separate policy. 

Typically, insurance policies cover you in two main categories.

Dwelling coverage

Dwelling coverage, simply put, is coverage to help rebuild your home after a flood. It will cover items such as electrical and plumbing systems. In addition, it will help cover replacing your carpets and any drywall that needs to be replaced.

Content coverage 

Content coverage is there to help replace your personal property after a flood. Personal property can include clothing, furniture, and appliances. 

What is not covered by a floss insurance policy?

There are a few main exclusions all homeowners should be aware of. 

Flood insurance typically excludes items outside your home, such as pools, landscaping, and decks. If you want to cover any items outside your home, you will want to contact your agent and see if you can add them to the policy. 

Preventable mold and mildew are also excluded from flood insurance. If your home floods, it is crucial you properly remediate the water damage to prevent mold. 

If you live in the Brooklyn, NY area and want to learn more about flood insurance, contact an agent at VAC Insurance Agency today. 

Three Benefits You’ll Enjoy From Taking Out the Right Commercial Insurance Policy

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VAC Insurance Agency is proud to work with the Brooklyn, NY area business community. When it comes to commercial insurance, we work hard to give our clients the knowledge they need to make wise decisions.

Why Commercial Insurance?

Commercial Insurance Makes Your Business Look Credible

Most customers will conduct some research before doing business with a company. Commercial insurance assured clients that you are a credible business and that it’s safe to do business with you. Most businesses advertise as "licensed, bonded, and insured" because it builds trust, and trust is critical to a company’s success.

Commercial Insurance Protects Your Employees

The most valuable asset of any business is the employees, not the products or the properties of your business. Protecting your employees is a crucial step that you must take by getting workers’ compensation insurance. Protecting the employees also means protecting the company from liability claims and lawsuits.

An added bonus: Insurance also helps attract and retain qualified employees!  Most job seekers are always on the lookout for benefit packages that include health, life, disability, and long-term care insurance.

Commercial Insurance Prevents Stress About The Future Of Your Business

What if your office burned down, destroying everything from the building to the office property? How would you conduct business? With commercial insurance, you’re letting our expert team at VAC Insurance Agency take over when it comes to preparing for worst cases. As a business owner, all you need to worry about is the operations of your company. Let us take care of the rest.

Reach Out To Us

You can learn more about commercial insurance policies that are available to you as a resident of Brooklyn, NY by getting in touch with us at VAC Insurance Agency. We’re here to answer your questions. We can also provide you with a quote on a commercial insurance policy. Get in touch with us today so that you can learn more.

Tips to prepare your house for a storm

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Preparing your house for a storm in the Brooklyn, NY area can be a daunting task, but there are some simple steps you can take to ensure you and your family stay safe. Here are a few tips from us at VAC Insurance Agency to help you get ready.

Tips to prepare your house for a storm

1. Inspect Your Home

Before the storm hits, inspect your home for any potential sources of damage. Check for loose shingles, broken windows, and any other areas that could allow water to come into your home. Make sure gutters and downspouts are clear of debris so water can flow away from your home. 

2. Secure Outdoor Items

Tie down or store any outdoor items, such as patio furniture and grills, that could be picked up by strong winds. Secure garbage cans with bungee cords or straps to keep them from becoming projectiles in high winds. 

3. Protect Windows

Install storm shutters on all exterior windows, or use pre-cut plywood to board up windows if shutters aren’t available. This is especially important if you live in an area prone to storms with high winds and hail. 

4. Stock Up On Supplies

Have plenty of bottled water and non-perishable food items on hand in case the power goes out during the storm. Make sure all flashlights and radios have fresh batteries so you can stay informed about weather updates if the electricity goes out. 

Reach Out To Us

With these tips in mind, you’ll be well prepared for when severe weather strikes! For more tips, call us at VAC Insurance Agency today. We are proud to serve the Brooklyn, NY area and would be glad to answer all of your questions.

Tips To Protect Your Family From Flooding

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Floods are tragically common in the United States. Homeowners should prepare for floods to ensure that both their properties and families are protected. A bit of preparation now could prevent serious issues in the future. Also, keep in mind that standard insurance plans often don’t cover the damage caused by floods.

Want to learn more about insurance coverage? Contact VAC Insurance Agency serving Brooklyn, NY and other communities.

Understand the Risk of Flash Floods

Floods may seem predictable, and many people think they’ll have time to react should the threat of flooding arise. Flash floods, however, can happen in moments. It’s wise to have a flood action plan in place. 

Also, identify high-risk areas, such as roads cutting through valleys, or rivers that can quickly flood their banks. If flood warnings have been posted or the area is hit with heavy rain, you’ll want to avoid high-risk areas.

A family might be driving along a clear road one minute, only to get caught up in flood waters just a few moments later. Likewise, homeowners might look out the window and find only shallow puddles. Then, a few minutes later, flood water could already be pouring into the home.

Don’t Underestimate the Power of Flowing Water

With enough time, flowing water can level mountains and carve canyons. Just a few inches of fast-flowing water can knock down an adult. A mere 12 inches (if not less) of water can move vehicles. Simply respecting the power of fast-moving water could save lives. So make sure that not only do you recognize the power of rushing water but also that children and other loved ones understand the risks as well.

Make Sure You Have Flood Insurance

Standard home insurance typically doesn’t cover damage caused by floods. Instead, property owners should take out flood insurance. This way, should flooding occur, homeowners will know that their property is covered, and thus, they can focus on keeping their families safe.

Give Us A Call

Get in touch with VAC Insurance Agency, which serves Brooklyn, NY and elsewhere, to discuss coverage options.

What does commercial insurance cover?

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Commercial insurance is a vital part of doing business. No matter how large or small your company is, you need to have some form of commercial insurance in order to protect yourself from liability and financial damages. There are many different types of policies available, and it can be difficult to know which one is right for your business. That’s why it’s important to talk to an insurance agent who can help you choose the policy that best suits your needs.

At VAC Insurance Agency in Brooklyn, NY, we want to help your business succeed.

There are many different types of policies

There are many different types of commercial insurance policies available, and each one covers a different set of risks. Some of the most common types of commercial insurance include property insurance, liability insurance, and business interruption insurance.

Property insurance protects your business from damage or loss to physical property, such as your building or inventory. Liability insurance protects you from lawsuits resulting from accidents or injuries that occur on your property. And business interruption insurance provides financial protection in the event that your business is forced to close due to a covered loss.

You don’t want to be caught if a storm, strike, accident, or some other event interrupts your business operations. A good insurance policy can help get you through these difficult times.

Contact us today!

It’s important to choose the right policy for your business. Talk to an insurance agent to find out which policy is best for you. At VAC Insurance Agency, we are here to answer all of your questions. We proudly serve the Brooklyn, NY area, so call us today!

Your Most Valuable Asset Needs Protection with Home Insurance

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Did you know that if you carry a mortgage on your home, it is necessary that you insure it with homeowners’ insurance? If you live in or near Brooklyn, NY, the VAC Insurance Agency can explain all the particulars.

Why Home Insurance?

The main reason for homeowners insurance is to protect the homeowner. You will be covered if your home is damaged in a weather event, fire, or any other covered event.

Another reason is that almost all lenders require that the property be insured for 100% of its replacement cost. Their main concern is making sure the home can be rebuilt in the event of a disaster. The insurance protects the lender’s financial interest in the property.

Homeowners’ insurance combines various personal insurance protections which include losses to the home, and its contents, loss of use, and liability insurance for accidents that occur on the property.

There are no state laws where homeowners’ insurance is required. But in the event your property is mortgage-free, it is still recommended that you carry an insurance policy.

If someone visits your home, falls, and is injured, the policy will pay for any medical expenses relative to the injury. If you have a dog and it decides to bite your neighbor, any legal expenses resulting from the bite will be covered. If you do not have insurance coverage, all associated costs will be paid by you out-of-pocket.

There are some things the policy will not typically cover:

  • Acts of war
  • Earthquakes
  • Floods
  • Infestations, including termites
  • Mold
  • Nuclear accidents
  • Sewer backup
  • Water damage

Contact Us Today

If you are a homeowner or are thinking about purchasing a home, make sure you have a policy in place prior to the purchase. Your mortgage company will want evidence of coverage prior to the closing. Contact the insurance professionals at VAC Insurance Agency in Brooklyn, NY today for a quote or an answer to any questions you may have.