February 2017

Personal liability insurance may protect you from financial disaster, but what are the odds you will ever have to use it? Do you really need personal liability insurance? 

Personal liability insurance protects all of your assets by paying claims and damages made against you in case you injure other people or other property.

The good news is that if you have auto, renters, or homeowners insurance, you already have some coverage.

If you hit someone with your car your auto liability insurance kicks in to pay for the damages to the car and the other person’s bodily injuries. If someone falls down your stairs and breaks their leg, or injures themselves in some other manner, your homeowners liability insurance will cover the medical bills. These are all, of course, up to a limit.

But what about everything else that is not covered by your home or auto insurance? Or the amount for which you are liable surpasses your covered amounts? This is where umbrella insurance can step in to cover the gaps that are not covered by your home and auto insurance.

If your limit on your homeowners insurance policy is only up to $500,000 and the accident which you caused leads to being a $1 million dollar lawsuit, you are going to be in trouble. About half-a-million dollars in trouble. An umbrella policy can cover that amount, but only after your home/auto insurance policy is tapped out.

This is one reason that umbrella insurance policies are inexpensive. And their price is one of the reasons you want to take advantage of an umbrella insurance policy and be covered for any possible accident.

Make sure that you are protected with the right umbrella insurance policy. Contact Abatelli Group, Inc. for a proper quote on your insurance needs.

Snow storms are severe weather phenomena which could stop entire cities in their tracks, so how can you prepare for one before it’s too late?

A changing climate means more severe weather, which includes heavier snow storms. The power of snow storms can stop entire cities from operating as snow covers the roads and deters people and companies from getting from Point A to Point B. Before one strikes the Whitestone, NY area and leaves you stranded in your own home island covered in a sea of snow, make sure that you prepare with time. Here are a few tips on how you can prepare for a snow storm.

Listen to Your Weatherman (or Weatherwoman) 

Your weather station will surely warn you of a possible snowstorm days in advance. If your weather station has a snow storm alert, make sure to prepare for it if you haven’t already.

Prepare

• Winterize your vehicle and keep the tank full. A full tank will keep the fuel from freezing should temperatures reach dangerously low levels.
• Insulate your home by installing storm windows or covering them with plastic to keep the cold air out.
• Maintain your heating equipment, like chimney or space heater, by cleaning it once a year.

Emergency Kit

• Water – at least 3 days; 1 gallon per person per day (Don’t forget about your pets! Should you have any)
• Food – at least 3 days; non-perishable, easy-to-make food (Again, don’t forget about your furry friend)
• Battery-powered or hand-crank radio
• Flashlight
• Extra batteries
• First-aid kit
• Multi-purpose tool
• Cellphone with battery-powered chargers
• Cash
• Warm coats, gloves, hats, boots, and extra blankets
• Alternative heat sources like fireplaces, wood, or a coal-burning stove

Protect your home from the dangers of winter. Make sure that your home is protected with the right home insurance policy. Contact Abatelli Group, Inc. for a proper policy on your insurance needs.