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What Is Boat Insurance?

Boat insurance financially protects your boat from any covered disasters, but what are the intricacies of this policy?

Boat insurance covers you in the event that your boat succumbs to a covered loss or damage. It covers most water vessels with motors, including boats such as fishing boats, pontoon boats, leisure crafts, yachts, and paddle boats (we are aware not all paddle boats have motors). Boat insurance usually does not cover canoes or kayaks because of the risky nature of their recreational use. If you own a boat and want to get it insured, here are a few things that you have to know regarding boat insurance.

What Does Boat Insurance Cover?

Boat insurance protects your boat from covered perils. Accidents are not just a road-only thing, they can happen in the water and that is why it is important to have boating insurance. Boat insurance includes the following coverage for your watercraft.

  • Collision Damage – This can include repair or replacement of your boat if it suffers damage from a covered peril. General policies may not cover clean-up of a wreckage, but you can always purchase additional coverage.
  • Property Damage – If you cause damage to someone else’s boat, dock, or some other property, boat insurance can help cover these wrecks.
  • Bodily Injury – This coverage offers protection if you cause injury to someone while using your boat. This coverage includes things like medical bills, and legal expenses.
  • Comprehensive – If your boat is damaged in a non-collision related accident, comprehensive coverage pays for the damages. Damages include things like burglary, hitting a rock, or other damage that did not come with hitting another vehicle.
  • Additional Coverage Options ­– You can also add additional coverages which protect fishing equipment, oil spills, personal property, and road- and seaside assistance.

Get the boat insurance to suit your needs and budget at Scavone Insurance Center. We are located in White Plains, New York and are here to serve you! Contact us today for a quote!

Find Business Insurance to Match the Size of Your Business

Your business is important to you, and that is why it is crucial that you purchase a policy that will properly protect it, no matter the size.

The kinds and amount of business insurance that you need for your small business is based on a few factors. These factors are based on the questions such as, “What kind of business are you in?” “Where is your business located?” “Do you have employees?”

One of the best ways you can evaluate the needs of your insurance is to determine the size of your business. Here are a few things you need to know if you own a home or small business and want to find the proper insurance coverage to protect it from the everyday perils it must face.

Home-Based Business

Many successful businesses from Apple to Amazon, started right in their very own garage. A home-based business typically consists of zero, maybe one employee, and make relatively little revenue. But just because the business is located in your home, does not mean you get to skip out on business insurance. Homeowners insurance will not cover any injuries to your clients during a business-related visit, or any damage to your business property like printer or computer. Talk to your agent about insurance for your home business.

Small Business

Do you happen to know all of your employees by name? Does your business make only a few million dollars every year? If you answered yes to both of those questions, you are likely operating a small business. A common definition of a small business is one that is independently owned and operated, is organized to be for-profit, and is not the dominant force in its field market.

No matter the size if your business, it needs to have the right business insurance policy. Be sure to contact Scavone Insurance Center, located in White Plains!

What Does Commercial Property Insurance Cover?

Commercial property insurance protects the property of your business, but what are the specifics of this policy?

If you own an office or a building in which you conduct and rely on for business, how are you supposed to protect it from the perils of everyday life? Commercial property insurance protects the property on which you and your clients meet to conduct business. If you lose your property to a covered peril – say, a fire or storm – the commercial property insurance will pay the repair or replacement that is associated with those losses, up to the policy’s stated limits. Here is everything (or most everything) you need to know about commercial property insurance and what it covers.

What Is Commercial Property Insurance?

Commercial property insurance helps your business recover when covered disasters strike and jeopardize their business property and real estate. Covered events typically include disasters such as fires, windstorms, theft, or vandalism. When these perils affect your business, commercial property insurance can help you repair and replace items such as electronic devices, inventory, furniture, and business equipment.

What Does Commercial Property Insurance Cover?

  • Buildings – Commercial property covers the physical location of your business. Depending on whether you own or rent the space, you will want to forge your policy based on that fact.
  • Personal Business Property – Coverage for commercial property includes things that are inside of your business which you use to conduct business. Furniture, supplies, inventory, and equipment owned. Property which is not located at your business can also be covered. For example, when an employee brings a laptop to a meeting and it gets damaged, commercial property can help reimburse your business for this loss.

The only way to protect your business‘ property is to have quality property insurance that will protect and cover your company, be sure to contact Scavone Insurance Center, located in White Plains!

Find Commercial Auto Insurance That Matches Your Business

If your business uses a car to transport employees, goods, or services, you need commercial auto insurance. 

Whether you own a single vehicle or own an entire fleet of them for your business, you need commercial auto insurance. This insurance protects your business vehicles from any damage sustained in an accident. One may think that personal auto insurance will cover them, but they would be wrong. Protect your business vehicles by covering them with the right commercial auto insurance policy.

What is commercial auto insurance?

Commercial auto insurance is a policy that covers amounts, incidents, and usage that is not covered by personal auto insurance. Business-related trips like going to meetings or delivering a product or good, you can be covered through a commercial auto policy.
If you or an employee gets into an accident while driving for business, your business will likely be held liable. Commercial auto can help cover the cost of property damage and bodily injury.

What does commercial auto insurance cover?

  • Bodily injury liability – Pays for the bodily injury bills or death resulting in an accident your business is held liable.
  • Property damage liability – Provides protection if your company vehicle damages property.
  • Personal injury coverage – Pays for medical expenses of driver and passengers of your car, regardless of fault.
  • Collision coverage – Pays for the damage done to your vehicle if it gets hit by another car.
  • Comprehensive coverage – Provides protection from non-auto accidents. Things like vandalism, fire, theft, missiles, and other covered perils.
  • Un-/underinsured motorist coverage – Provides coverage to your business when the other person involved in the accident is either uninsured or underinsured and do not have the funds to reimburse you for the accident.

To find the right business auto insurance that will protect and cover your company, be sure to contact Scavone Insurance Center, located in White Plains!

Things You May Not Have Known About Motorcycle Insurance

Things You Might Not Have Known About Motorcycle Insurance

Motorcycle insurance covers for the obvious things like crashing and injuries, but it also covers things you may not have known. 

If you ride a motorcycle, there are many good reasons to get motorcycle insurance. The first being the law, of course, and the second being financial security when you get into an accident. We all know that motorcycles are versatile vehicles, but here are a few things that motorcycle insurance covers that you may not have known previously.

  1. You can insure most types of motorcycles.
    You can insure almost any kind of motorized two-wheeled vehicle that is categorized as a “motorcycle.” Things like cruisers, antiques, sports bikes, and even bikes that were built from a kit.
  2. You can insure your bike for road trips.
    There is a range of coverages available outside of the normal stuff like liability, comprehensive, collision, and medical. Coverages that can be useful on road trips can cover things like towing or labor coverage, which helps to pay for the costs if your bike breaks down mid-road trip.
  3. You can cover your snowmobile, scooter, ATV, and even Segway.
    Many insurers cover leisure vehicles under motorcycles policies in certain states. Things like golf carts and Segways are also covered under motorcycle insurance.
  4. Motorcycle insurance can cover protective gear.
    The very things that keep you safer on motorcycles like your helmet, riding leathers, gloves, and other protective gear, does not come cheap. Should you get into an accident and your protective gear saves your life but is damaged in the process, your insurance may help you replace it.

Get the motorcycle insurance you need to cover all your needs–whether you know them or not–right here at Scavone Insurance Center. We are located in White Plains, New York and are here to serve you! Contact us today for a quote!

Things to Consider About Classic Car Insurance

Things to Consider About Classic Car Insurance

Classic cars are head-turners on the road because they are truly beautiful cars, but just like any other car, they need to be insured. 

Classic cars are amazing to drive and even better to look at. A well-maintained classic car and nice gleaming finish under a warm summer’s day with a signature body makes these classic cars the epitome of beautiful. But, these cars are no more immune to accidents than the average sedan. And for that reason, every car, including classic cars, needs car insurance. But these are not normal cars and normal car insurance will not do; classic cars need classic car insurance to properly cover them.

What to Consider About Classic Car Insurance

It is important that the value of your classic car is accurate when you seek a classic car insurance policy. Make sure that you speak to a representative who knows how to properly gauge classic car worth.

Companies that have experience with classic cars understand the unique needs that come with owning an older and collectible car, and can usually save the client (you) money. Premiums for classic cars tend to be lower because the risk associated with these cars is less than with regular cars.

Classic cars sometimes carry a value that is more than the price tag: the sentimental value. For this reason, many class car owners insure their car for more than it’s worth in order to have the peace of mind they deserve.

When it comes to your classic car and its insurance, you need the very best premiums and protection. Get the classic car insurance to suit your needs and budget at Scavone Insurance Center. We are located in White Plains, New York and are here to serve you! Contact us today for a quote!

What to Know About Insurance for Your Landscaping Company

What to Know About Insurance for Your Landscaping Company

Your landscape company comes with unique risks that need to be insured for you to have financial peace of mind.

Shopping for insurance for your landscaping company can take hours of searching, translating new insurance lingo, and almost limitless options to compare. Sounds like a mountain no one in their right mind would dare to climb. But it doesn’t have to be this confusing, especially if you start on the right foot. Here are a few things you need to know about insurance for your landscaping company.

  1. Your Insurance Needs and Risks
    To insure your business, you must know the perils and risks that come with landscaping. What are the potential accidents and injuries that your employees face? You need to consider the equipment, too. How much will you need to replace every tool required for your business? The best you can do for your business is to expect and prepare for the worst, but hope for the best.
  2. Consider Your Deductible
    Your deductible will be the amount you have to pay before your insurance kicks in. The lower your deductible, the higher your premium, but you don’t pay as much come claim time. The higher your deductible, the less your premium, but the more you pay out of pocket.
  3. Overestimate Your Coverage Needs
    Between attorney fees, settlement costs, and medical bills, you want to assure yourself that you have more than enough coverage to deal with the worst-case scenario. It is for this reason that many landscape business owners over-insure their business. (We promise it’s not a ploy to get you to buy more!)

Landscaping insurance does not have to be confusing, and if you consider everything above, it won’t be! We are located in White Plains, New York and are here to serve you! Contact us today for a quote!

How to Handle Your Scheduled Car Maintenance

How to Handle Your Scheduled Car Maintenance

Every car needs to be well-maintained for it to run properly and get you from point A to B (and even C) without any issues. 

Many car owners spend little to no time on the maintenance of their car, nor do they prepare for a scheduled check-up. They merely drive up to the station and agree to all the recommendations of the service advisor. This can be a costly error! We are here to tell you how you can prepare yourself for the scheduled maintenance of your car, and potentially avoid being overcharged.

What work is needed? 

Your mechanic may tell you one thing that may clash with things you’ve seen on the internet or heard from the automotive grapevine. Who’s right? Well, there is one place you can check to be 100 percent certain, and that is your car’s owner’s manual. It was written by the representatives who designed and built the model. When it comes to fluids and replacements, you can always check the manual and compare it to what your mechanic says.

Take your belongings with you. 

When you arrive at the dealership you will be welcomed by one of the greeters. They will take down the vehicle identification number and the vehicle’s mileage on a form which they pass down to the mechanic. Your car is about to go in the shop, so make sure that you take all of your precious belongings with you like your wallet, purse, sunglasses, chargers, and anything else you don’t want potentially stolen.

Auto insurance does not typically cover for maintenance-related issues. Get the best premiums and protection on your auto insurance to suit your needs and budget at Scavone Insurance Center. We are located in White Plains, New York and are here to serve you! contact us today for a quote!

How to Speed Up Your Spring Cleaning

Spring cleaning should be done thoroughly but that doesn’t mean it should take forever, especially with these expedited tips. 

Spring marks the time in which Americans all across the nation buckle down and thoroughly clean their homes. A process which many adults consider liberating as their home feels brand new, and one that children usually associate with losing precious weekend time. But a thoroughly cleaned home does not mean you have to spend hours and hours and hours on cleaning. Here are a few tips on how to speed up your spring cleaning.

Carpets and Upholstery

Fabrics that have absorbed a full year’s worth of dirt and grime should be shampooed. You can rent a carpet cleaner and deeply clean your carpets and upholstery to make them look and feel like new. Move furniture slightly, and place wax paper underneath the footholds in order to keep the carpet and furniture protected from one another.

Wash the Walls

You may not think that dust collect on your walls because they are vertical structures, but you’d be wrong. Walls are not perfectly smooth and dust can collect on these marginal grooves. Additionally, dust is usually electrostatically charged and will stick to the wall as if they (the spec of dust and wall) were magnets. Use a sponge and dish soap to give the wall a proper rinse.

Finish the Floors

In order to protect your floors from another year of natural wear and tear, you should apply wax or another sealant. You should use a floor cleaner that cleans and shines before you apply the sealing substance to your floor.

We at Scavone Insurance Center hope your Spring Cleaning goes swell. For all of your insurance coverage needs, contact the insurance experts at Scavone Insurance Center in White Plains, New York. We will work with you to make sure you have the coverage you need to protect you from any peril.

Signs You Need to Replace Your Roof

Your roof keeps you and your family warm and dry during the worst of storms, but it is not invincible and will need to be replaced sooner or later. 

Most homeowners think they are in need of a new roof after they find a leak in their ceiling. The leak could come from a variety of roofing issues. But a leak is not entirely indicative of a new roof. So what are the signs that you need a roof replacement? Here are a few tips and signs that you need to replace your roof.

  1. The Roof’s Age
    The average lifespan of a roof lasts anywhere from 20 to 25 years. This number depends on whether the old roof was entirely removed, only have one layer of shingles, and if it has proper ventilation. If your roof is older than 20 years old, you may want to consider replacing that roof.
  2. Missing Shingles
    Shingles work in unison to help direct water downwards and into your gutters. If one is missing, you can likely just replace that one shingle without too much damage. But if there are multiple missing, you may want to replace your roof, lest it look like a master chessboard.
  3. Curling or Buckling Shingles
    You can tell if shingles have gone past their expiration date by their structure. Shingles that have remained past their intended lifespan may be curled, cracked, buckled, and losing granules.

Quality homeowners insurance can help rebuild your roof, but only if the damage is included in your policy. An expired roof is not typically covered by the general homeowners insurance policy. For all of your insurance coverage needs, contact the insurance experts at Scavone Insurance Center in White Plains, New York. We will work with you to make sure you have the coverage you need to protect you from any perils. 

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