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Tag Archives: Westchester

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 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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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

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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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Westchester County Auto Insurance: A Guide to Car Insurance

Westchester County Auto Insurance: A Guide to Car Insurance Insurance is as complex as it is confusing, especially when it comes to Auto Insurance. Knowing which coverages you need is crucial to you & your family. Everyone who has ever purchased an insurance plan knows how overwhelming it can be to take in this much information, which is why we created this insurance friendly, simplified cheat sheet on the basics of Westchester County Auto Insurance. Once you read this over, give us a call and let us help you determine the right amount of coverage for you, at the right price. All descriptions below are simplified descriptions of common auto insurance coverages. All auto insurance coverages are subject to the individual limits, terms and conditions of the auto insurance actual policy that you purchase. Bodily injury liability coverage – In general, bodily injury liability can pay for damages to the driver and passengers of the other car when you are responsible for an accident. Another benefit of this coverage is that it can provide coverage to help defend you if you are sued. Property damage liability coverage – Property damage liability coverage is designed to help pay for property damage of the other parties involved when you are responsible for the accident. This coverage can also assist you to defend yourself in court if you are sued because of an accident. Medical payments coverage – Medical payments coverage generally covers you and your passengers for medical expenses from injuries sustained in an accident. Uninsured or underinsured motorist bodily injury coverage – Uninsured or underinsured motorist bodily injury coverage is designed to assist in payment of damages for bodily injury to you and your passengers when caused by another in an accident. and the person legally responsible either has inadequate or no insurance. Collision coverage – Collision coverage generally pays for damage to your automobile in the instance that you hit another car or object. Comprehensive coverage – Comprehensive Coverage pays for damage to your car if it is stolen or damaged by certain causes other than collision. Some examples of this is claims such as hail, vandalism, or theft. The right protection is the protection that matches your needs. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. We invite…
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Classic Car Auction Hits Records

Classic Car Auction Hits Records It’s a classic car lover’s paradise. Over two thousand classic vehicles were auctioned for a total of 223.8 million over the weekend in Scottsdale Arizona. The numbers break last year’s previous record of $183.9 million. Numerous records were broken at the auctions. Two Ferraris nailed the top spots of the week, auctioned for more than 8 million each. The highest sale of the week was a 1958 Ferrari 250 GT California LWB Spider. It sold for $8.25 million, a record amount at a January auction in Arizona. Another Ferarri, a 1960 GT SWB Competizione Berlinetta was sold by RM Auctions for $8.14 million. Following in third was the Batmobile. The original wheels from the 1960’s “Batman” television series, was based on a 1955 Lincoln Futura concept car, and was sold for $4.62 million at Barrett-Jackson’s auction. Other highlights were sold by Gooding. A 1959 Porsche 718 RSK Roadster went for $3.14 million and a 1957 Maserati 150 GT Spider sold for $3.08 million. All of the totals included 10 percent sales commissions. The commissions were added onto the “hammer price,” which is the high bid when the auction closes. In total, the average price per car sold was $100,176. It was the first time the average price had ever achieved a six figure average. The auctions all saw significant success this weekend. Barret-Jackson achieved the highest totals overall, selling all but for of the 1,340 lots consigned to them. Gooding sold all but three of its 104 consignments, and RM’s one-day sale saw an 89 percent sell-through rate. At A.J. Benet, we understand your passion for the cars you collect, restore, and drive. To comprehensively insure antique, classic, and collector cars, we partners with carriers that offer exceptional coverage and services especially designed for these types of vehicles. In addition, at A.J. Benet, we have expertise in addressing specialized claims, which is the real test when a loss occurs. Contact us today for more information.   Source: Wall Street Journal

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Flood Insurance Facts of New York

Flood Insurance Facts of New York Flood insurance is an essential component to ensuring your home and business is protected. However, flood insurance does not come standard in most homeowners policies, a fact many are unaware of until it is too late. Flood insurance remains a somewhat murky concept. How much flood protection insurance do I need? Do I really need it if I don’t live in a flood-prone area? Does my homeowner’s insurance cover any part? Here are some facts about flood insurance that you made not have known: There is no such thing as a flood-free zone. Some low-lying areas, near water, or downstream near a damn are at a higher risk- FEMA updates flood maps periodically identifying low, moderate, and high risk flood areas. In a high risk area, your home is more than twice as likely to be damaged by flood than by fire. Even low-risk areas account for 20 percent of NFIP claims, and receive one-third of disaster assistance. Even a small amount of water can be a serious disaster. According to the Flood Cost Calculator Most homeowners insurance policies do not cover flood damage. It takes 30 days after purchase for a policy to take effect, so it is important to buy it sooner rather than later. The average annual U.S. flood losses in the past 10 years were over 2.9 billion. Two feet of water is enough to float a vehicle. New land development can increase flood risk, especially if the construction alters natural runoff paths. Over 5.5 million people currently hold flood insurance policies across the United States. In the event of a flood, there are numerous resources in New York that can aid you, in providing information and updates. The New York City Office of Emergency Management has a list of government organizations, including federal, state, and local, that help residents with flood related issues, ranging from temporary homes for displaced residents to general information. The Tri-State region has seen a significant increase in flooding. Flood and Excess Flood insurance is a crucial component of your insurance package to make sure you and your family are protected. At A.J. Benet, we have the expertise to help you secure a comprehensive Westchester County flood insurance plan. Depending on your needs and your home’s value, we will determine how much coverage you need…
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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

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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…
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