AJB Blog

Staying In Touch With You

Tag Archives: New York City

What You Need to Know About Westchester County Yacht Insurance

What You Need to Know About Westchester County Yacht Insurance While it may still be a crisp 40 degrees here in Mamaroneck, nonetheless it’s spring! With the promise of warmer weather, it’s time to start thinking about your sunny vacation plans. Boat sales have risen ten percent this year, in the first significant boost since the recession, and yachts are a large part of that picture. But owning a yacht also exposes you to some unique exposures. Here are some tips to watch out for to make sure you have the proper coverage for your vessel. Consequential damage. This applies when a yacht is disabled due to engine failure and suffers resulting hull damage. Although it is covered in most policies as a result of a storm or other event, it may not be if it is a “consequence” of mechanical failure. Parts Depreciation. As your boat ages, the parts can lose value, and most insurers will cover only the depreciated value of the part, not the full cost of replacing it. Navigation zone restrictions. Where you are, or where you plan on boating could affect your policy. Many policies are written based on navigation zones. They may be as narrow as the Florida Keys. And it may mean that a boater insured for the Bay Area in California may not be covered for damage that occurs in Mexico’s Pacific coast. So, as a boater, it is wise to check out any geographic limitations ahead of time. Experience. Of course, as a boat owner, experience always matters. Where you travel, how many years you’ve been boating for, and your type of boat can all affect your Westchester County Yacht Insurance policy. Whether you are docked in the marina at Stamford, garaged at your house in Rye, or cruising the Long Island Sound, your boat needs its own special type of insurance. A.J. Benet, Inc. knows that not all boat owners and their requirements are the same. Our staff strives to learn your particular habits and help you find insurance that addresses your personal risks. Contact us today for more information about our Westchester County Yacht Insurance coverage. Source: P&C 360

Posted in Boating Insurance, New York, Westchester County, Yacht Insurance | Also tagged , , , , , , , , , , , Comments Off on What You Need to Know About Westchester County Yacht Insurance

Home Insurance: Protect Your Home While Your Away for the Holidays

Home Insurance Protect Your Home While Your Away for the Holidays Whether you’re flying across the country or driving down the street, the holidays is one of the busiest travel times of the year. You’re focused on herding the kids, gifts, and family dog in the car, making sure no one and nothing is left behind. But what about your home?  Thieves are opportunists- they will break into homes left vulnerable and unattended. Take a moment to beef up your home’s security while you away. Just a few simple tricks can help put your mind at ease. Put interior and exterior lights on timers/motion sensors. Set the timers on staggered hours to turn lights on and off at different times. Install tapered deadbolt locks on entry doors. The taper makes it extremely difficult to use a wrench or other tool to twist the lock open. Get someone to maintain your property by removing snow or mowing the lawn. Suspend the mail service and newspaper delivery, or ask a neighbor or trusted friend to pick it up for you. Newspapers lying in the driveway is a surefire indicator that no one is home. Install a monitored security system. Inform the local police department that your house will be empty. Ask a neighbor or friend to watch your house for you and check on it every so often. If possible, getting someone to house sit would also be a great option. The experts at A.J. Benet know how hard you work to protect your family year long. A package policy allows you to take advantage of benefits by consolidating multiple policies, such as  home insurance, with one insurance company. A.J. Benet offers Westchester County Home Insurance policies from top-tier insurance companies that are designed to insure your liability risks and property under one master program, helping to mitigate the problems you can encounter when you have multiple policies with different insurers. Contact us today for more information. Source: Insurance Institute for Business & Home Safety

Posted in Home Insurance | Also tagged , , , , , , , , , , , Comments Off on Home Insurance: Protect Your Home While Your Away for the Holidays

Mamaroneck Renters Insurance: Apartment Walk-through Checklist

Mamaroneck Renters Insurance: Apartment Walk-through Checklist You’ve signed the lease, packed up the bags. But before you move into that brand new apartment, make sure to schedule an apartment walk-through with the landlord. Similar to a home safety checklist, our apartment walk-through checklist can help ensure that you avoid any fees for damages inflicted by the previous tenant when you move out. Here’s our Apartment Walk-through Checklist Apartment Walk-through Checklist Tip #1 – Come prepared. Bring a camera to document any problem areas or damages you find. During the walk-through, take notes. And, it helps to bring a tape measure to make sure your furniture will fit through them- it will ease any moving difficulties ahead of time. Apartment Walk-through Checklist Tip #2 – The basics. Keep an eye out for insect or rodent infestation, such as droppings or chew marks. Plug your cell phone charger into the outlets. And make sure home phone and cable jacks are available, functioning, and accessible. Apartment Walk-through Checklist Tip #3 – Safety checks. Proper fire safety equipment should be installed throughout the apartment. This includes smoke and carbon monoxide detectors, as well as fire extinguishers. Make sure all safety equipment is working, and located in the proper areas. If you’re living in a large apartment complex, find the fire escape plan and make sure you know where to go in the event of a fire or other emergency. Apartment Walk-through Checklist Tip #4 – Doors & windows. Check that all windows and doors open and close properly, and make sure the screens on all the windows are intact. Test all the locks; if there is more than one type of lock, make sure you the necessary keys. Apartment Walk-through Checklist Tip #5 –Bathroom & Kitchen. Run all the faucets, and check for leaks underneath the sinks. Make sure all the appliances and plumbing are working as well. Check the shower head, and make sure the water heats up, and the water pressure is good. Apartment Walk-through Checklist Tip #6 – Bedroom & Living Room. Check all light switches, and test the air conditioner. Look for cracks in the wall, and check aesthetic details such as carpet stains, chipped paint, or nail holes in the wall. When the walkthrough is complete, schedule any repairs, and make sure to sign a document detailing the agreed-upon condition of the property.  Make sure to be detailed and thorough, and take…
Read more…

Posted in Mamaroneck, New York, Renters Insurance | Also tagged , , , , , , , , , , , , , , , , Comments Off on Mamaroneck Renters Insurance: Apartment Walk-through Checklist

New York Auto Insurance: Auto Safety

New York Auto Insurance: Auto Safety For most individuals who do not have any experience driving in large metropolitan cities like New York, the first few times may seem exceedingly stressful. Maneuvering through a city where both motorists and pedestrians are aggressive is unlike the obstacles and challenges you have dealt with in a calm, rural town or suburb. It may be overwhelming and chaotic for those driving in cities where rush hour never seems to end. It is hard to believe that car accidents do not happen more frequently. However these regular urban city drivers have more experience of how to avert disasters. Driving around the city and familiarizing yourself with the roads, routes, and people’s driving skills will alleviate some redundant stress. Although every metropolitan may have different regulations and street names, challenges are similar and you will constantly need to exercise the following: expect the unexpected, be assertive but neither too aggressive nor too timid, and stay focus. If you are weary to drive in your new metropolitan city or need to brush up on some tips, here are a few tips on safe driving. Be alert. Procure a 360 degree vision and exercise this at all times. Although this is necessary in every size city, this is extremely important in big cities due to traffic congestion and unwarranted obstacles. Set your mirrors so that you are able to have 180 degree coverage to your rear. Do not get caught in an intersection. New York City has over 12,400 intersections with traffic lights, so exercise caution. Be aware of the car ahead of you and avoid running red lights. You will only be contributing to more congestion. Familiarize yourself with local laws to avoid tickets and car accidents. In New York City right turns on red lights are not allowed and you will not only be issued a ticket, but you may possibly hit a pedestrian. Taxi cabs and buses make unpredictable stops and swiftly swerve to the side to pick up people, so look ahead and be prepared to change your lane or slow down to let other drivers to merge onto your lane. Crosswalks are prevalent in metropolitan cities to let large herds of pedestrians and cyclist to walk across different streets. The pedestrian always has the right of way even if they are jaywalking….
Read more…

Posted in Auto Insurance, New York | Also tagged , , , , , , , , , , , , , , , , Comments Off on New York Auto Insurance: Auto Safety

New York News: Class Divisions & A Golf Course

New York News: Class Divisions & A Golf Course The State of New York has given New York City 97 million dollars to develop a public 18-hole golf course on the newly re-constructed Perry Point Park. The park sits in the poorest borough of New York City, the Bronx. Many residents have voiced their perspectives and concern, such as the incomprehensible spending and the potentials risks of methane gas exposure. The construction of the golf course at Ferry Point Park is the most reprehensible symbol of class division and money distribution. Although the economically thriving state of New York still holds a large percentage of the nation’s top earners, the Bronx couldn’t be any more different. While Manhattan’s average household income between 2002 and 2010 has grown by $29,000, the Bronx has hardly bounced back from the recession and has only increased by $8,000.  According to the poverty results taken in 2009 by city-data.com, 34.4% of those who reside in the Bronx have an income below the poverty level. This is 16.2% more than the nation’s poverty level. In the United States Census Bureau’s American Community Survey, 1 in 5 households (1.8 million residents) in New York rely on food stamps. Their economy is still at the climax of the recession; home ownership has declined, housing values have plummeted, and fewer individuals carry health insurance. This poses an essential question; is spending 97 million dollars and turning over acres of land to build a golf course a feasible and efficient use of the city’s resources. In addition, the Ferry Point Golf Course will sit on a landfill that closed down in 1963 and has since been holding high levels of explosive methane gas. Although New York City has installed wells to measure and track the explosive level, residents are still righteously concerned that they are breathing lethal gas. While many residents are against the construction of another Trump National and International Golf Club, there many advocate for the construction. The Mayor’s administration has emphasized the history of golf as a past time. They stated that despite the decline in the use of golf courses, the Ferry Point neighbors expressed their overwhelming desire for a golf course in 1977. The administration argues that golf has been an important pastime for Americans for the past half of a century. Other park advocates…
Read more…

Posted in Home Insurance, New York | Also tagged , , , , , , , , , , , , , , , , Comments Off on New York News: Class Divisions & A Golf Course

New York Renters Insurance: How to Rent New York City

New York Renters Insurance: How to Rent New York City   For years New York City has been considered the city where dreams come true. Despite the city’s expensive cost of living, individuals all around the United States migrated to its concrete jungles in hopes of pursuing aspirations they didn’t believe were attainable.  New York City was and is still one of the most expensive cities to live in. While the country is still in an economic depression, New York City has jumped back up a few years ago. In fact, NYC was only significantly affected in 2009 when the rent decreased 10%-12%. Due to the job market’s growth, rent is even more expensive than before the recession. The city’s developers and architects simply cannot meet the demand. Unlike the rest of the United States, the vacancy rate is at a low 1% and rent prices have increased significantly due to this demand. Although landlords may be happy to see such a high demand for housing, current and prospective renters are worried that their money is not enough to afford any housing in New York City. While many have found more cost efficient alternatives such as moving to nearby New Jersey cities where a short train ride can get them to their job in the city, many renters still desire that ideal New York City lifestyle. But how much can your money get you in a city that never stops growing? This post is provided by AJ Benet New York Renters Insurance. Call us today for a free quote – (888) 639-4560 Citi-habits.com has computed an analytic market report of how much your money can get you in 2012. If you are not able to afford anything above $2000, your options include a studio in the locations of Harlem, Lower East Side, Morningside Heights, Upper East Side, and Washington Heights. If you would like to spend $2000-2600, you are able to afford a studio in Chelsea, East Village, the Gramercy/Flatiron, Midtown East, Midtown West, Murray Hill, Soho/Tribeca, Upper West Side, Wall Street/Battery Park, and the West Village. However you are also able to afford one bedroom in the Lower East Side, Morningside Heights, and the Upper East Side, as well as a two bedroom in Harlem and Washington Heights. The majority of the one bedrooms range from $2700-$3600, the two bedrooms range from $3500-$6500, and the three…
Read more…

Posted in Mamaroneck, New York, Renters Insurance | Also tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Comments Off on New York Renters Insurance: How to Rent New York City

Mamaroneck Flood Insurance: How to Prepare for a Flood

Mamaroneck Flood Insurance: How to Prepare for a Flood When you live in areas like New York, you are frequently exposed to natural disasters such as hurricanes and floods. Although many are not as devastating as some, it is always beneficial to be prepared. Part of that includes investing in Mamaroneck Flood Insurance. Call us today for a free quote. (888) 639-4560 Earlier this year, the Huff Post addressed Westchester County’s (New York metro) vulnerability to severe flood disasters. New Jersey based non-profit news and research organization, Climate Central, states that there are several factors that contribute to Westchester County’s susceptibility to flood. As sea levels are rising and New York’s susceptibility to flood have increased dramatically, global warming has tripled the chance of New York state’s exposure to an extreme flood disaster. Fortunately, this knowledge has spread all over the globe and has motivated individuals and groups to create flood control plans. Here are several tips on how to prepare for floods in Mamaroneck Flood Insurance Tip #1 – Be knowledgeable and do some research. There are several websites that estimate your region’s susceptibility to floods. Websites like, Surging Seas, calculate your zip code’s flood risk through its sea level rise, storm surge, and tide. Flood Insurance Tip #2 – Prepare an emergency plan. Most communities have already devised fixed emergency plans, warnings signals, and evacuation routes—take advantage and learn it. Take this a step further and practice a flood evacuation route with your family. Flood Insurance Tip #3 – Create an emergency supply bag.  The essential things to store in this bag are non-perishable food, can opener, first aid kit, prescription medicines, blankets, large containers of water, extra clothes, and sturdy shoes. Flood Insurance Tip #2 – Identify potential hazards in and around your home. Learn how to secure and protect them in the event that a flood does occur. You may even want to have an electrician raise any circuit breakers, switches, and socket. 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. Since 1964, A.J. Benet has provided Mamaroneck flood insurance to residents in…
Read more…

Posted in Flood Insurance, Mamaroneck, New York | Also tagged , , , , , , , , , , , , , , , , , , , , , , , , , Comments Off on Mamaroneck Flood Insurance: How to Prepare for a Flood

New York Auto Insurance: Cameras at Stoplights Could Increase Tickets

New York Auto Insurance: Cameras at Stoplights Could Increase Tickets New York City drivers don’t typically have to haggle with police officers or try to beguile their way out of tickets. Catching up to a driver speeding through a congested intersection is nearly impossible to feasibly and safely do. A proposal gaining momentum in Albany however, could change just that. This post is brought to you by AJ Benet New York Auto Insurance programs. According to the New York Times, the proposal would install cameras that record the speed of passing cars and issue violations automatically. The speed and accuracy of the technologies would be much more suitable for the fast paced hectic traffic of NYC streets, where it is often difficult and potentially dangerous to catch violators. The proposal calls for 40 cameras mounted throughout the city. About half of those cameras can be rotated different directions, so drivers aren’t ever certain when their speed is being tracked. Only violators who exceed the speed limit (usually 30 miles per hour), by more than 10 miles per hour would be given tickets, receiving a $50 fine. For those who exceed it by more than 30 miles per hour, the fine doubles to $100. Drivers would not be docked points on their licenses for violations. Proponents of the bill point to statistics. Since cameras were installed in Washington in 2001, police said traffic fatalities had fallen 56 percent. Hundreds of New Yorkers each year are killed in speeding-related crashes. Others argue the cameras aren’t fair because they can’t capture the context of the situation the way a cop would, for example if someone was simply trying to clear the intersection. You and your vehicles deserve quality New York Auto Insurance 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. A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan, New York auto insurance since 1964.

Posted in Auto Insurance, New York | Also tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Comments Off on New York Auto Insurance: Cameras at Stoplights Could Increase Tickets