Abatelli Group, Inc.

5
Dec

Homeowners Insurance Endorsements to Consider

Consider these coverages to add on to your home insurance.

Your homeowners insurance is designed to protect you when the worst happens. For the most part, it does. However, every policy has limitations and exclusions. The best way to protect y our property is to know what your policy excludes and how to fill those gaps. Home insurance endorsements can help. Take a look at common home insurance endorsements to consider.

  • Scheduled personal property

While your home insurance will cover your belongings, your high-value items may not have enough coverage to be replaced if they are lost in a peril. Scheduling your property with a rider helps to ensure that your expensive belongings, such as jewelry, art, antiques, musical equipment, and more are covered from disasters.

  • Sewer backup

A sewer backup can be caused by anything from clogged drains to damaged sewer lines – and it can cause sewage to back up into your home. Just a few inches of this can quickly ruin your property. Since sewer backup coverage isn’t always included in standard home insurance policies, adding it as an endorsement is a smart move to make.

  • Home-based business

If you’re thinking of launching your own business from your home, be sure to talk to your insurance agent first. Business activities, even small-scale ones, are not covered by standard home insurance policies. This means that your business property is vulnerable. You may be able to add a home-based business endorsement to your home insurance policy instead of purchasing a full commercial insurance policy.

Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

21
Nov

Do I Need to Take a Home Inventory?

How and Why You Need a Home Inventory List

If you were asked to make a list of everything inside your home from memory, could you do it? Chances are, you’d end up forgetting a few things, right? What if there was a major disaster and you had to file a homeowners insurance claim. Then, your insurer asks you what belongings you lost in the disaster. This is where a home inventory list comes in handy – yet is often overlooked by homeowners.

What is a home inventory list?

A home inventory is a list of everything you own and that is inside your property. It helps insurance carriers understand the value of belongings you lost in a peril, and what needs to be replaced. Having an up-to-date home inventory on hand can speed up the claims process after a disaster, helping you to get back on your feet as quickly as possible.

How to start your home inventory

Creating a record of everything your home can sound daunting. But there’s no need to get overwhelmed.

  • Choose a starting point – and work room by room
  • Take pictures or a video of all of your belongings
  • Make sure to capture serial numbers/identifying features
  • Write down a list of all of your belongings and their value
  • Keep your receipts and scan them in or take a picture so that you have a digital copy
  • Store the inventory both on paper and digitally so that you have multiple versions to rely on

Make sure to update your inventory when you purchase new belongings or sell any possessions. Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

14
Nov

4 Ways to Protect Your Business from Fires

Safeguarding Your Business Property from Fires 

Is your business fire safe? Are you confident that you are taking every possible precaution against a fire breaking out? If the worst does happen, is your business ready to cope with it safely and effectively? Failing to take the appropriate steps to prevent and manage fire risk isn’t just a foolish oversite. It is your legal obligation to protect your premiums, workers, and customers from the risk of fire.

Here are four essential steps you should take to safeguard your business from fires:

  1. Create an emergency evacuation plan. Your employees and guests should know how to leave your business at any time by locating the nearest exit, which should be clearly marked and unobstructed. Conduct an evacuation drill at least once a year to ensure that your employees know how to handle an emergency.

 

  1. Install and maintain fire suppression systems. This means installing fire alarms, sprinklers, and ensuring all employees know how to use a fire extinguisher. Regularly check these systems to ensure that they are in good working order.

 

  1. Understand your risk. Conduct a risk assessment to understand what kind your business faces. Keep in mind that electrical equipment is responsible for a high number of fires, so be sure to maintain this equipment, tidy cords away, and allow air to circulate machinery.

 

  1. Review insurance. Your commercial property insurance helps to replace your business’s belongings after they have been destroyed in a fire. Make sure that you have plenty of coverage that protects all of your business equipment, furniture, electronics, inventory, and more.

For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!

24
Oct

How to Prepare Your Home for a Safe Halloween

Make this Halloween a safe one with these useful tips.

Plenty of people love a good Halloween scare – as long as no one gets hurt. Even though tricks, spooks, and haunts are welcome on Halloween night, accident and injury are not. To ensure Hallows Eve is a safe night in your home, read on.

Light it up. Party guests and trick-or-treaters will need to be able to clearly see the path to your front door once the sun sets. Ensure that there is ample lighting, especially around steps.

Use LED lights instead of real candles. Fill your jack-o-lanterns with LED lights instead of real candles. An open flame, even if placed safely inside a carved pumpkin, poses a fire risk for children, pets, and adults.

Tighten the railings. If you have stairs on the way to your front door, ensure that the railing is secure. Wobbly or broken porch railings is a trick-or-treating safety hazard as they can cause severe injuries.

Keep the pets inside. Whether you’re hosting a Halloween party or are waiting for trick-or-treaters, Halloween night can upset your pets. Keep them calm by confining them to an area or one room of the house. It only takes one spook for your dog or cat to run out the door when you greet trick-or-treaters.

Clear the curb. Reduce risks to little pedestrians by clearing parked cars from the curb for better visibility and placing a reflective ‘Watch for Children’ sign at the edge of the road. If the street is busy, consider having adults take turns maintaining safety.

These tips can help prevent your home from facing horrors on Halloween night. Another great way to protect your property is to secure reliable homeowners insurance coverage. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

10
Oct

4 Great Lessons to Learn for Driving Safely in the Dark

Know how to stay safe while driving in the dark.  

The nights are starting to draw in and winter is rapidly approaching. Now, you may find yourself driving to and from work in poor weather and visibility conditions. To help, we’ve rounded up some essential tips for driving safely in the dark.

Pay attention to your lights

Your lights will prove to be your best friends while traveling in darkness. Before you set off, check that all of your lights are working correctly. Remember to check the signal lights and ask a friend to help you check the taillights. Remember to use dipped beams in urban areas. When there are no cars in front of you and there isn’t any oncoming traffic, feel free to use high beams. Remember to turn them back to low beams when other vehicles approach so that you don’t dazzle other drivers.

Keep the windows clean

Enhance your visibility by keeping your car’s windows clean and clear – both inside and out. Failing to do so will make them more prone to steaming up, and the glare from other vehicles on the road will also worsen.

Scan the road ahead

Read the road ahead for signs of oncoming drivers or wildlife activity. Watch out for pedestrians and cyclists, too, that become difficult to spot after dark.

Take breaks

It’s always recommended that you take regular breaks when driving long distances, but this is even more vital when you’re driving overnight.

We hope that these tips help you to drive safely in the dark this season! Make sure that you have an auto insurance policy that works for you. To get started on quality coverage, contact Abatelli Group, Inc., serving motorists in Whitestone and neighboring cities in New York.

19
Sep

3 Preventable Home Insurance Claims

Avoid Common Home Insurance Claims with These Tips

Your home is your castle. While many homeowners think of home insurance claims as only possible from mass-destruction events, such as hurricanes and tornadoes, the most common claims are the ones that homeowners least suspect. Fortunately, many home insurance claims can be entirely preventable. To protect your castle, take a look at these home insurance claims that are preventable.

  • Loose/damaged washing machine hoses

Unfortunately, the nature of the washing machine makes it possible for disasters to occur – alternating water temperatures, shaking machines, and containment in low-traffic areas. To prevent claims, it’s wise to replace plastic hoses at least every three years and inspect them regularly for any damage.

  • Roof damage

Most home insurance policies will offer coverage for roof deterioration caused by unpreventable triggers, such as vandalism or fire. Unfortunately, leaks and pest infestations can weaken a roof and cause more damage in the event of a disaster. Basics roof maintenance, such as gutter cleaning and shingle replacement, is key to a longer life.

  • Cooking/candle fires

Open flame (or gas) is often necessary for cooking, warming, and illuminating the house. Next to water damage, fire devastating is the number one source of homeowners insurance claims. You can prevent fires by taking care in the kitchen, placing candles away from children and pets, and switching to electrical tealights.

Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

12
Sep

Top Benefits of Securing Renters Insurance

Reasons Why You Need Renters Insurance Coverage

If you’re a renter and own things, you need renters insurance coverage. Yet, many renters overlook this coverage, believing that they have too few possessions or think that coverage is more expensive than it is. Renters insurance is designed to provide help when you need it the most, and it can protect your belongings and wallet when the worst happens. There are a few broad reasons to purchase renters coverage, including the ones below.

Protection from theft

If your precious belongings are stolen or vandalized, your renters insurance coverage can help to repair or replace these items. What’s more, this coverage works outside of your home. Even if you’re on a flight to Miami and your laptop gets stolen from the overhead locker, your coverage will step in to help with a replacement.

Protection from fire

Renters insurance can help to cover your belongings if they are destroyed in a fire or damaged from smoke. Whether you cause a fire because of an unattended candle or your neighbor falls asleep with a lit cigarette, your insurance can step in to help. Renters insurance can pay you for your loss and pay for a place to stay while the damage is repaired.

Personal injury

While visiting your apartment, your neighbor trips and injures themselves in your place. Whether they got injured or their property gets damaged while in your apartment, you could be held responsible. Renters insurance can help to cover their medical costs and more.

Ready to get started on quality renters insurance coverage? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.

22
Aug

How to Prepare for a Power Outage Caused by a Storm

How to prepare for a power outage.  

The weather can change in an instant, meaning that homeowners should always be prepared for the worst. Part of this preparation is to prepare for a power outage caused by a storm. Storms can bring strong winds and heavy rain that knock down power lines, leaving homes without power from a couple of hours to several days. Here are a few tips to help make sure you are prepared for a power outage.

  • Keep a flashlight in an easy-to-reach location. Supply it with fresh batteries and keep an extra set of batteries close by. Avoid using candles as a light source if possible.
  • Get a portable radio that you can use for emergencies. This will help you to stay informed about the storm and progress of getting the power back up and running.
  • Keep your cellphone charged so that you can make calls in the event of an emergency.
  • Stock up on non-perishable food and drinking water. Avoid opening the fridge and freezer at all during the power cut.
  • Keep a stocked first aid kit, any medications, blankets, and your pet’s supplies in a bag in case of an emergency.
  • Unplug large appliances and devices to avoid them from being damaged if a power surge occurs.
  • For expensive appliances, consider installing surge protectors.

Remember that a homeowners insurance policy can help to get you back on your feet after a disaster.  Make sure you have a policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage. 

8
Aug

Back-to-School Driving Safety Tips

Stay safe at the start of a new school year.

The summer break is drawing to a close and that means it’s back-to-school season. With college students packing up their cars to go back to campus and parents dropping off their kids at school, the roads undoubtedly get busier. When you’re out on the roads this season, be mindful of the increased congestion and possible distracted drivers. Take a look at these essential back-to-school driving tips.

  • Always wear a seat belt

This should be obvious. Whether you’re heading to school, work or just running errands around town, drivers and passengers need to buckle up. Seat belt save lives and prevent injuries – only if you use them!

  • Allow extra time

The roads will be busier in the mornings and afternoons thanks to school traffic. If you need to be somewhere for a certain time, account for the congestion and leave plenty of time for the journey. If you’re going to be driving somewhere unfamiliar, plan your route in advance.

  • Observe speed limits

Drivers should always abide by the posted signs for speeding and school zones no matter what time of day it is. Kids may be walking home from school in the early evening in the vicinity of the school.

  • Avoid distracted driving

When you’re driving kids to and from school, the opportunity for distraction is multiplied. Remember to put your phone down (that important work email can wait) and avoid eating behind the wheel. Multitasking behind the wheel means that you’re not paying attention to what is on the road. If a child chases after a ball in the road, you want to be sure you are prepared to stop.

Before hitting the road this season, make sure to replace any expired insurance identification cards in the event the driver needs to prove they have insurance during a traffic stop.

We hope that these back-to-school driving tips keep you and your family safe as another school year begins. For all of your insurance needs, visit Abatelli Group, Inc. We are ready to help you find reliable insurance today.

18
Jul

3 Ways to Improve Air Conditioning Efficiency

Make your air conditioning unit more efficient in the home with these tips.

In the summer months, walking into a cool house is a refreshing break from the sweltering heat in New York. But for homeowners and renters alike, a chilled property comes at a price. Running your central air conditioning can cost $3.84 a day or more than $115 a month. With energy costs rising, it makes sense to take steps to make sure your A/C is running at maximum efficiency.

Maintain your A/C unit

Regular A/C maintenance is one of the best things you can do to improve your HVAC efficiency and prevent breakdowns. A yearly HVAC tune-up can keep your system functioning properly and identify issues before they arise. You can avoid high repair costs by performing regular maintenance, either yourself or by a professional

Use appliances wisely

Some home appliances, such as the oven and clothes dryer, can heat up the inside of your house and increase your cooling costs. To minimize the impact of heat-generating appliances, avoid using the oven or clothes dryer during the hottest part of the day. For improved efficiency, use them at night when it is easier to keep your property cool.

Close the curtains

Although natural light is wonderful, the rays of sunlight streaming through your windows can raise the interior temperature of your home and force your A/C to work harder. You can reduce the stress on your unit by closing the curtains and blinds during the day so that the sun doesn’t warm up your apartment.

Make sure you have an insurance policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage. 

COVID-19 Update

Our office remains open and our staff is working remotely to continue to service our clients. You can reach us at (718) 352-6000 Letter to Policyholders