AJB Blog

Staying In Touch With You

Tag Archives: policy

Fine Jewelry Insurance: Make Sure You’re Covered

Fine Jewelry Insurance: Make Sure You’re Covered Your jewelry collection is extremely precious to you. Whether you’ve amassed a family collection of heirlooms or some personal, highly valued gifts, you want to make sure you are protected. But misunderstandings of what exactly is covered in a homeowner’s policy could leave you high and dry if your jewelry is lost or stolen. At the essence of an issue is often a communication divide. There is a common disparity between perceived value and the actual value. An owner might have sentimental value, or overinflate the value of their jewelry, and have an estimate that conflicts with an expert opinion. Or, they might assume it is covered under their homeowner’s insurance when it really is much more valuable than that. Most homeowner’s policies do cover jewelry items. However, when the actual loss of an entire jewelry collection does occur, it is extremely rare that the owner receives a settlement that comes close to the true value of the missing items. To avoid that position, homeowners must have a firm understanding of the exact value of their possessions and base their insurance coverage accordingly. If you have a high end jewelry collection, you want to take the time to make sure every item is covered and properly insured for its current value. The key is documenting in detail, comprehensive information on each piece you own. Many jewelry appraisals conducted at local stoops- and their certificate of authority relies on simple sales techniques that may not adequately assess the value of a piece. It is essential that the value may have changed over time. The price of gold has increased significantly in the past 20 years; if you have an antique piece of gold jewelry; it is most likely worth significantly more today. High-value items need better protection than a standard homeowner’s policy. A.J. Benet offers sound, well-priced coverage for these valuable items either with a floater added onto your Westchester homeowners insurance policy or a stand-along policy . Contact us today for more information (888) 639-4560

Posted in Blog, Homeowners Insurance, Jewelry Insurance, Mamaroneck, Westchester County | Also tagged , , , , , , , , , , , , Comments Off on Fine Jewelry Insurance: Make Sure You’re Covered

Holiday Safety Tips for a New York Winter

Holiday Safety Tips for a New York Winter String the lights. Decorate the house. Invite the relatives. Bake the cookies. Find a tree. Buy gifts. The holidays can be overwhelming and the to-do list seemingly endless. In the craziness of the season take a moment to read these holiday safety tips for a New York winter. Holiday Safety Tips #1 – Lights. There should be no more than three standard-size set of lights per extensions cord. If you have to use multiple strings of lights, use several power strips. Make sure to use higher quality models that have a built in circuit breaker. Check your lights. Frayed or exposed wires can easily overload your power once the weather turns bad. Always turn Christmas lights off before you leave home or go to sleep. Holiday Safety Tips #2 – The tree. Make sure to buy a fresh tree. It should be green with no signs of any brown needles, and the needles should be hard to pull from the branches and don’t break when you bend them between your fingers. Keep the tree away from the fireplace, radiators, or any other heating sources. If you choose an artificial tree, choose one that is “fire resistant.” Holiday Safety Tips #3 – Candles. Blow out all candles before you leave the room. Make sure all candles are secured in holders and on steady surfaces that won’t tip over. Make sure all smoke alarms are installed on every level of your home. Check them monthly to make sure they work. 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 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: Institute for Business & Home Safety

Posted in Home Insurance, New York | Also tagged , , , , , , , , , , , , , , , , , , Comments Off on Holiday Safety Tips for a New York Winter

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