Curran Cooney Penny Agency

An Umbrella policy provides $1,000,000 or more extra liability over existing policies such as home, auto, boat, and business policies. An Umbrella provides coverage for injuries and property damage to others. Certain underlying coverage limits are needed to get an Umbrella.

Homeowner Insurance policies only come with a very low coverage limit for theft of jewelry, watches, and furs. This limit can be increased, or you can schedule specific jewelry, art and collectibles for better protection.

Many insurance companies will not insure certain year and model of Kia and Hyundai because of the increase of theft losses for these vehicles. These vehicles are not equipped with an engine immobilizer anti-theft device which make them easy to steal.

Replacement Cost on Contents provides replacement cost at today’s value without depreciation for wear and tear.

The easiest way to reduce your auto premium is by taking a defensive driving course every 3 years. Paying in full or going on auto pay can also help. Good credit, having a clean driving record, low mileage, multi-policy, and continuous coverage can also help. The vehicle you drive and where you live play a large role in the cost of your insurance.

Life insurance provides loved ones financial security in the event of a death. It helps cover things like funeral, medical bills, debts, daily living expenses, mortgage and college payments. The best time to buy Life Insurance is while you are young and healthy. It’s important to buy it when you have a child and/or you purchase a home. There are different types of policies such as Term and Whole Life.

Stop and move to a safe location, as necessary. Call 911 if someone needs medical help. Take a picture of the other vehicle’s license plate and damage as well as the accident scene. Exchange insurance cards, driver’s licenses and phone #’s. Write down the name and phone # of any witnesses. Contact your insurance agent.

Yes, in New York, an auto policy follows the car, not the driver so as long as the driver has permission to drive the vehicle, you and the car are covered.