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Tag Archives: Westchester County

Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car?

Mamaroneck Car Insurance: Should You Purchase A Diesel Fueled Car? Fuel efficiency is one of many pressing issues for potential car buyers. With today’s market, there are plenty of hybrid and electric car options for consumers to choose from. Both are viable options for superior mileage, but there is another fuel efficient option to consider. The diesel fueled car. Diesel fueled engines have been around since the early 1900’s but it is rare to find them in the consumer auto market. They are considered less eco-friendly, more expensive and noisier than their gasoline counterparts. Because of these difficulties, car manufacturers were less inclined to develop diesel based consumer cars. However, with improved catalytic converters and ULSD (ultra-low sulfur diesel), diesel motor technology has improved dramatically over time. The main advantage in having a diesel fueled car over a traditional gasoline vehicle is achieving better mileage. They require less fuel to provide ignition than a gasoline engine does which is why they are able to achieve superior efficiency and mileage. Another advantage is that diesel motors are engineered to be sturdier than gasoline engines. Because diesel combustion is more strenuous on the system than spark ignition, diesel engines use higher quality and tougher components. By being more solidly built, parts are less likely to be serviced which leads to a higher resale value down the road. Hybrids and electric cars have gotten the lion’s share of attention for consumers looking for fuel efficient vehicles. However, with diesel engine technology advancements, it is nice to have another option when shopping for a high mileage vehicle. Either way, no matter which vehicle you choose, we here at A.J. Benet understand how important proper Mamaroneck Car Insurance is towards protecting your vehicle. Our specialists are ready to answer any questions related to insuring your vehicle whether it be gasoline, electric, diesel or anything in between. Contact us today for more information about our Mamaroneck Car Insurance policies at (888) 639-4560.

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Westchester County Personal Insurance: Is Insurance on your College Checklist?

Westchester County Personal Insurance: Is Insurance on your College Checklist? The first day of college is similar to the first day of kindergarten, in that it’s a momentous event that may or may not involve tears. Preparing for college is as important to parents as it is to their children. For many, a “college checklist” is an adjunct for preparation; a cork board to adorn with old pictures, a hamper small enough to take home during breaks and if you’re lucky, a flat screen.  But what about reviewing your insurance policies? In the midst of purchasing bedding and choosing the best dormitory, reviewing insurance policies is often overlooked. However, it’s essential to add insurance onto your “college checklist.” So, before you start sending your kids off to college, ask yourself the following question: And does my child intend to bring any valuable items? Is my child going to live on-campus or off-campus? Is my child bringing his/her car to college? And take the following steps: Whether your child is moving on or off campus, it’s essential to create an inventory of all personal belongings. Create an excel sheet, note the items, calculate its estimated value and take a picture. Be sure to note high-value items (e.g. laptop, television, camera, jewelry). Speak with your Westchester County insurance agent to determine the extent of coverage provided by your homeowners’ policy. If coverage is available, ask if it’s only applicable to students residing on-campus (as it often does). If your child is going to live off-campus, be sure to purchase renters insurance. It’s inexpensive and worthwhile. The cost of Westchester County auto insurance varies depending on whether your child is taking their car to school or not.  Insurance agencies often re-evaluate the cost and factor in numerous variables, such as college’s location. At A.J. Benet, Inc., we take pride in the relationships we have established with our individual clients – addressing their changing insurance needs as milestones in their lives occur. From an individual’s first car purchase to the family’s minivan and a teenager’s new set of wheels, to a rented townhouse in Westchester County, a dream house overlooking the harbor in Larchmont, or a new condo in Manhattan as an empty nester, A.J. Benet is there to protect you, your family, and assets wherever life takes you. We invite you to review…
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Westchester County Private Client Services: High Net Worth Insurance

Westchester County Private Client Services: High Net Worth Insurance Most individuals who own a business, home or car carries an accompanying insurance policy. Hours of rifling through Google’s endless page results, contacting prospective insurers; it’s a long, arduous process that typically ends in purchasing an “x” amount of coverage for a “y” amount in premiums that are feasible for you, your assets and your finances. So, this takes us to a couple questions; why are high net worth (HNW) individuals purchasing insurance policies conducive for average salary individuals with an average amount of assets? And why aren’t these policies being written by insurance companies that specialize in high net worth insurance? According to Accenture, North America’s HNW population has risen 8.6 percent in 2010, after rising 16.6 percent in 2009. With a continual increase of wealthy individuals, it’s presumed that HNW niche insurance companies are being flooded with elite clientele vying for their services. But according to Property Casualty 360, this is not the case. Moreover, over 80 percent of HNW individuals do not carry coverage written by these niche companies. This means that over 80 percent carry an inadequate amount of coverage. Investing in protecting your valuable assets is just as important as deciphering which fine art collection or antique car is worthwhile. Right now is a fitting time to educate the HNW population that niche companies have (1) unique solutions for their particular needs and (2) private client services in mitigating their specialized risks. AJ Benet Insurance Private Client Services serves HNW individuals in Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey Along with your beautiful home and appointed furnishings, you most likely have high-valued items including fine art collections that require special insurance coverage. You may have paintings and sculptures – artwork you’ve collected over time – whose value goes well beyond what a homeowners policycan provide. At A.J. Benet, we offer our clients within our Private Client Services division, insurance to cover fine art collections as part of our suite of products. This coverage can be either an addition to your homeowners insurance or issued as a separate policy to cover items such as paintings, sculptures, antique furniture, collectibles and much more. Trust AJ Benet with your Fine Art Collections Insurance

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The Importance of Westchester County Private Client Services

The Importance of Westchester County Private Client Services Lets suppose your net worth is $50 million. You have a luxurious lifestyle that includes spending summers in your Hamptons vacation home and the rest of the year traveling between your Manhattan and Westchester home. A major hurricane destroys much of the state, including your Manhattan and Hampton home. The replacement cost of both of homes is an estimated $4 million, but you only have $1.5 million coverage– what would you do? It may be obvious to many that it’s necessary for affluent individuals and families to purchase additional insurance coverage. However, this is not the reality. High net worth individuals are underestimating their risks and the cost of a liability claim. As an affluent individual, it’s essential to purchase additional insurance coverage that standard policies can’t provide. This often comes in the form of the following policies (includes but not limited to) excess liability, high-value umbrella, employee practices liability insurance (EPLI), errors & omissions, workers comp, high value homeowners, yacht/watercraft, classic/antique/collector auto, trustee liability, and more. Why? Higher income individuals and families are different from standard income individuals. Aside from the fact that they earn a significant amount of money greater than the average person, they are exposed to risks that are uncommon to most. But to affluent individuals, these risks can cause irreparable damage to his/her finances and reputation. Common risks include: Heavy reliance on staff and advisors Communication (libel and slander Directors  & Officers More assets to protect (jewelry, collector cars, yachts, art collections, etc) Moreover, wealthy individuals and families attract lawsuits from individuals with unwarranted intentions of claiming a surplus of money from a wealthy defendant. Co-chairman of a New York’s Cozen O’Connor law firm, John J. McDonough, was inclined to say wealthy individuals are “perceived as having ‘deep pockets,’ and become a target.” In addition to his observation, the economic recession indirectly brought in an increasing number of bodily injury and workers compensation claims. Custom insurance and concierge service that focuses on high net worth individuals and their families. We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page, and we’ll call you to set up an appointment to review your insurance program in detail and discuss how Private Client Services can address…
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Westchester County Auto Insurance: The Future of Driving

Westchester County Auto Insurance: The Future of Driving One of Google’s latest technology ventures has been developing a self-driving car. Still a few years away from consumer production, the concept has nonetheless generated exciting discussion about the possibilities and possible impact of a driverless vehicle. Casey B. Mulligan, an economics professor at the University of Chicago, tackled this idea recently in a column for the New York Times. He argued an interesting, less thought about side to the “smart” car revolution: driverless cars would actually increase fuel consumption and the number of drivers on the road. One of the touted features of driverless cars is that driven by its data and computing power, driverless cars are also purported to reduce traffic congestion and nationwide fuel consumption by driving smarter. However, Mulligan disputes this. Smarter driving reduces the cost per mile of vehicle usage, which will lead to more driving. But research has shown that cutting travel costs through reduced gas prices actually causes people to drive more (they will choose their vehicle over carpooling and public transit, for example). Thus there could be more traffic and more aggregate fuel consumption. There are a number of hurdles driverless vehicles have to jump before they ever hit the open road. It will alter auto insurance policies significantly. But they will also open up transportation options to people previously unable to drive, such as the blind or elderly. What do you think about Mulligan’s predictions? Will it increase traffic congestion? How could driverless cars affect the insurance marketplace? We’d love to hear from you. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance.

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Westchester County Auto Insurance: Cutting Car-Buying Process in Half

Westchester County Auto Insurance: Cutting Car-Buying Process in Half Buying a car can be a long, lengthy process. It takes time, research, test driving, and a significant amount of haggling to get that shiny new pair of keys. Now however, car showrooms are looking to cut the time you spend negotiating a deal. Shoppers are going online and conducting extensive research before they even enter the showroom. According to J.D. Power and Associates, 80 percent of buyers spend an average of 18 hours online researching models and prices. However, despite that, new car buyers spend 12.5 percent more time negotiating at showrooms last year than in 2010 negotiating the deal, hammering out financing, and training on the vehicle’s technology. Even though car buyers enter the show rooms more educated on what they are looking for, it still takes a significant amount of time. To combat that, vehicle showrooms are utilizing a new range of tools from mobile devices that can calculate a car’s trade-in value to expanded call centers to handle the increased traffic from smartphone shoppers. AutoNation Inc. is rolling out a new pricing strategy that bases selling prices on current market data, rather than the manufacturer’s suggested retail price. In addition, new software allows them to present a menu of financing or leasing options. The goal of these transactions is to cut transaction times in half. It’s a learning curve- dealers are still testing policies that benefit a new generation of digitally savvy customers. For example, more dealers are moving away from writing price offers on paper and using digital software systems instead. The new systems allow salespeople to use an iPad to adjust variables such as the trade-in value of a used care or down payment. The information can also be sent directly to a sales manager, so the salesperson doesn’t have to run back and forth. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance. Source: Wall Street Journal

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Harrison Auto Insurance: April is Distracted Driving Awareness Month

Harrison Auto Insurance: April is Distracted Driving Awareness Month Westchester County  has declared April as Distracted Driving Awareness Month. Across the United States, ff concerned parents, states, organizations, and driving safety advocates are calling for increased awareness on the dangers of distracted driving and its potentially lethal consequences. Distracted driving is defined by AAA as “the act of operating a vehicle without your full attention focused on the driving task.” Multitasking is a skill many admire. But on the road, it can be deadly. Nationwide, distracted driving is estimated to be responsible for nearly 400,000 injuries and over 3,000 deaths per year. And it’s happening to a huge number of teenagers. Forty percent of all American teens say they have been in a car when the driver used a cell phone in a way that put people in danger. Drivers face hundreds of distractions on the road each day. Passing billboards, other cars, pedestrians, animals, the view outside their window. There are also distractions inside the car, such as other passengers, music, smartphones, entertainment systems, and food and drinks. Driving distractions fall into three categories- visual distractions, manual distractions, and cognitive or mental distractions. Cell phone use is by far one of the most dangerous because it involves all three categories; it visually requires you take your eyes away from the road, you have to hold it to type or talk, taking your hands off the wheel, and you must mentally focus on what you’re typing or saying, taking your cognitive attention away from the road. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy quote by calling (888) 639-4560, or if you prefer email us or return the form on this page for more information about our Westchester County Insurance including Harrison car insurance.

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New Rochelle Flood Insurance: Key Facts About Flood Insurance

New Rochelle Flood Insurance: Key Facts About Flood Insurance Since Hurricane Sandy, the Westchester County area has struggled to restore the damage done. In the aftermath of destruction, one tragic trend has emerged- too many property owners are either unprepared or underinsured against financial damages they could suffer in the event of a catastrophic flood. It’s a common mistake that most people assume their New Rochelle County homeowners insurance policy would cover them in case of a natural disaster, but that is not always the case. Certain areas along the eastern coast may be located in hurricane-prone areas, in which wind damage could be the main threat. Other New Rochelle homeowners may be situated in a flood-prone area, which in the case of a flood, would cause unimaginable damages. This was the case with Hurricane Sandy- this super storm ended up being a threat for flood damage as opposed for wind damage that is typically associated with hurricanes. Property Casualty 360 discovered that a minimum of 25% of properties damaged had no flood insurance coverage. Yet, there are plenty of reasons why New Rochelle Flood Insurance is a crucial guard against damages caused by floods, hurricanes, and other natural disasters. Obtaining the right New Rochelle flood insurance policy is designed to help protect your Westchester home and property against losses due to heavy rains, flood surges, storm drain backups, etc.. In assessing the risks, the Federal Emergency Management Agency (FEMA), placed more than 20,000 communities in the U.S. into a flood zone category. The Westchester County community participates in the National Flood Insurance Program. This government backed program is designed to assist property owners to purchase insurance protection against losses from flooding. We not only can provide insurance through the National Flood Insurance Program (NFIP), but also have critical access to alternative markets, which in many cases are better suited for the areas we serve where flooding is prevalent. As your insurance agent, we will consult federal flood maps to find your flood zone, which will affect the cost of your insurance, the type of coverage you need, and the limits of coverage for areas of your home that lie below the lowest elevated floor, such as basements and crawlspaces. Contact us today for more information about our New Rochelle Flood Insurance programs.  1 (888) 639-4560

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Westchester County Homeowners Insurance: High-End Home Insurance

Westchester County Homeowners Insurance: High-End Home Insurance You own a home; you need any standard home insurance policy right? Not quite that simple. For one thing, it is essential to know the value of your coverage. Homeowners’ policies may cover fire damage and theft, but their loss limits typically fall way short of the necessary range. Insuring luxury and high end homes requires a more carefully constructed home insurance plan than a standard house. High end homes often boast fine luxury features, extraordinary craftsmanship, technology, and expensive furnishings that could be extremely costly to repair or replace if damaged. When insuring your high end home, you want to take the time to thoroughly evaluate the property with your insurance agent. The cost of materials, fine art, jewelry, furniture, technology; everything should be analyzed and assessed. Often times, the program in place can have either duplicate or too much coverage, or not enough coverage. You want a comprehensive policy that represents the true value of your home and its content. A strong high end home insurance policy requires a thorough fact-finding and replacement cost analysis of your home. The policy should also reflect any exposures that could increase your liability, such as swimming pools, and tennis or basketball courts, so that if someone is injured on your property you are covered. Other factors that might be considered are excess flood insurance, incidental business coverage, identity theft, and if a structure needs to be rebuilt to “green standards,” to make sure you have the exact coverage your home requires. If you employ a staff, there may be a need for employment practices liability insurance or workers comp insurance. At A.J. Benet, we understand the intricacies of insuring high-end luxury homes. We will work with you to make sure you have a comprehensive homeowners insurance policy that ensures you and your family have the best protection. And in the event of a loss, you can be assured that a team of adjusters is available to you 24/7. Contact us today for more information about our Westchester County Homeowners Insurance.

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Westchester County Home Insurance: Keeping Critters Out

Westchester County Home Insurance: Keeping Critters Out Housing developments in former woodlands often have to contend with the areas previous residents. Squirrels, insects, raccoons, deer, and rodents all coexist with homeowners, often to the owner’s discontent. Westchester County Homeowners are looking for new ways to evict their unwelcome guests. According to the Wall Street Journal, about 30 percent of Americans used pest-control services last year, up from 20 percent in 2004. For animals, the suburbs is a win-win. The landscaping in suburbs, buffet line of garbage cans, and supply of food in the pantry are all enticing prospects for animals looking for a bunk. But the damage from critters can be significant. Deer forage your foliage and landscaping, raccoons ravage the garbage, and rodents including squirrels, rats, and mice chew their way into the house, damage soffits and electrical wires in the process. The threat of rabies and excrement from wild animals also raises health concerns. A rodent or animal infestation issue isn’t typically a reflection of the house’s years or cleanliness. In fact, sometimes newer houses are often the problem, being built with gaps allowing rodents to get in even when there isn’t a crumb in sight. Dangerous chemicals pose risks to homeowners, especially if they have pets or children. But there are other steps homeowners can take to rid themselves of unwanted house guests (at least the furry kind). Reinforcing houses, examining every nook and cranny to ensure there aren’t any construction gaps is one of the best ways to insure your house is fortified. Homeowners should check their dark garages and basements on a sunny day, looking for any hidden animals. Worn weather stripping around doors and spots where the cables runs through the wall are common entries for animals. And of course, if the problem persists and interferes with your daily life, it is best to hire an exterminator.

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