callClick to Call
Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

Why You’re Required to Have Auto Insurance

Posted on by admin

If you own a vehicle, having auto insurance isn’t optional. It’s a must. There are numerous reasons for this requirement, and if you’re not already covered, we at Fenzl Insurance Agency in Hamburg, NY, are ready to help you obtain a policy that suits your needs.

Your Auto Lender’s Expectations

An undeniable reason for insurance is your auto lender’s stipulation. If you financed your vehicle, your lender expects auto insurance to safeguard their investment. In the event of an accident that damages your car, auto insurance ensures your vehicle can be repaired or replaced as needed.

Protecting Your Financial Status

Auto insurance is instrumental in shielding your personal finances in the case of an accident. Confronting accident-associated expenses without an insurance cover could disrupt your financial stability and possibly compel you to liquidate other assets. An appropriate auto insurance policy grants you peace of mind, knowing you’re protected financially, come what may.

Safeguarding Other Motorists

The compulsion for auto insurance isn’t purely individualistic; it helps protect all road users. If the roads were filled with uninsured drivers, the potential for financial catastrophe caused by accidents would skyrocket. Auto insurance ensures that you are capable of covering expenses if you cause an accident.

Secure Auto Insurance Today

Whether you’re in the market for a new vehicle or thinking about switching your auto insurance, give us a call. We at Fenzl Insurance Agency in Hamburg, NY, can assist you in obtaining suitable auto insurance coverage.

Motorcycle Insurance for Weekend Warriors

Posted on by admin

At Fenzl Insurance Agency, we offer comprehensive insurance policies to various Hamburg, NY residents, even for occasional motorcycle riders. Despite how often you dust off your bike and hit the road, procuring an inclusive insurance policy provides security and peace of mind.

Premium Coverage Selected Just For You

We believe that effective motorcycle insurance policies should handle potential issues and provide long-term protection, irrespective of how frequently you ride. We think everyone, even the weekend riders, deserves this level of care.

Our insurance options include:

  • Liability: This covers accidents and injuries that may occur in those instances when you decide to go for a ride. The frequency of your rides should not compromise the quality of your safety measures!
  • Replacement: A total replacement policy covers the cost of replacing your bike without considering depreciation, as your motorcycle will naturally lose some of its value over time.
  • Travel Protection: Regular or occasional, short or long-distance rides, consider getting travel protection. This covers you on those weekend road trips, should they involve crossing state lines or cruising hundreds of miles.
  • Comprehensive Help: Comprehensive insurance policies cover the elements that collision policies might not. This makes them indispensable for all two-wheeler aficionados, not just weekend warriors.

Discussing your needs with your agent can simplify your decision-making process by presenting the scope of your policy, the unique coverage protection it offers, and much more. Let us help you navigate your bike coverage and garner your needed support.

Contact Us for Your Motorcycle Insurance Solution

Fenzl Insurance Agency is here to help Hamburg, NY, residents find their ideal motorcycle insurance coverage. It’s crucial to protect yourself, even if you’re not hitting the road often. Call us today to learn more about the options available, and we will help you get the motorcycle insurance you deserve.

Understanding Additional Living Coverage in Displacement Situations

Posted on by admin

The Value of Additional Coverage in Homeowner’s Policies

At Fenzl Insurance Agency in Hamburg, NY, we add an extra layer of protection to your homeowners’, condo’s, or renters’ insurance policy with our additional living coverage. This feature proves beneficial when your residence becomes unlivable because of a covered peril, assisting with unexpected costs.

Standard Covered Perils

Our coverage safeguards your interests against the following perils:

  • Fire and Smoke
  • Vandalism
  • Explosions
  • Windstorms
  • Water Damage
  • Roof Damage Due to Snow or Ice
  • Falling Objects

This type of coverage is designed to help you financially while your house is under repair. Covered costs may include temporary rentals, pet relocation expenses, restaurant meals, and essential purchases like clothing or personal hygiene items. The policy also includes a spending cap – the maximum amount your insurance pays for after a covered loss.

Examples of Additional Living Expenses Coverage

For instance, if your house suffers severe damage from a fire, you may need temporary shelter while the necessary repairs take place. Expenses incurred during this period, such as hotel accommodation, daily meals, and even clothing needs, are covered by the additional living expenses.

It is crucial to keep all receipts from spending during this time, as insurance companies use these details to calculate routine expenses while determining the amount you’ll receive for additional living expenses. This sum is deducted from your claim payout.

Protect Your Home with Insurance

A home, be it damaged or uninhabitable, requires protection. Ensure your property and guard your finances against calamities with an insurance policy. Contact Fenzl Insurance Agency in Hamburg, NY, for a transparent quotation today.

The many types of coverage auto insurance can provide

Posted on by admin

At Fenzl Insurance Agency in Hamburg NY, we are independent insurance agents, which means we are not tied to only one insurance carrier. Our customers benefit from more choices and potentially better deals. 

Liability coverage

Liability coverage protects other drivers from you. It covers injuries to both other people and property. It is required coverage in New York and most other states. 

Comprehensive coverage

Comprehensive coverage is called non-collision coverage, even though it does cover collisions with a deer or other large animal. It also covers theft and vandalism, flood, hail damage and other things other than a vehicle that can damage your vehicle. 

Collision coverage

Collision coverage covers your vehicle in the event you are responsible for a collision. This can be with another vehicle or with a stationary object. It will also protect you from damage that results from a hit-and-run. 

Gap coverage

If you have a relatively new vehicle and an auto loan, you might get a nasty surprise if your vehicle is totaled. What could be worse than ending up owing money on your loan when you get your insurance payout?  Gap insurance covers that gap. 

Full Glass coverage

Glass coverage is usually included with comprehensive coverage with a deductible. If you opt for full glass coverage, you won’t have to pay the deductible. 

Roadside assistance

Roadside assistance coverage provides the same basic services that are offered by auto club plans. It provides tow service as well as help when you have a flat or a dead battery. 

Rental coverage

When your vehicle is damaged in an accident that you are responsible for, you will need to have a way to get around, and this coverage will take care of that for you. 

We Are Here To Help

Contact Fenzl Insurance Agency in Hamburg, NY when you need our assistance with your auto insurance. 

How To Ride Your Motorcycle Safely When Group Riding

Posted on by admin

Group riding is a popular activity month some motorcycle enthusiasts. However, riding in a group can be just as dangerous as riding itself, especially when those with a variety of riding experiences participate. To avoid creating dangerous situations for co-riders and drivers on the road, our agents at Fenzl Insurance Agency in Hamburg, NY offer these group riding tips.

Motorcycle Safety When Group Riding

Have a Plan Before Hitting the Road

Communicate with other riders to discuss a few plans for the journey. Determine stopping points and the travel distance goal and choose a ‘leader’ of the pack. Discuss line order, placing the leader (who’s usually a highly experienced rider) and less experienced riders travel right behind the leader. This is called a formation.

Ride in Formation

With the leader in front, stagger everyone else riding behind them, and stay in formation throughout the ride. Ride somewhat close to each other, but leave enough space in the front and back and on each side to allow for reaction time to avoid other vehicles, bikes, and road hazards.

When Passing Stay in Formation

Making turns and passing other vehicles when group riding is more complex than a single rider’s efforts. Because bikes are staggered in formation mode, there is a method of passing and turning. Take these actions one bike at a time, starting with the lead rider. The return to staggered formation.

We Are Here To Help

Motorcycle riders often opt to carry higher coverage limits beyond the standard policy. Accidents can be severe or minor, resulting in costly medical bills, not to mention replacing your bike. Regardless of how you ride, let Fenzl Insurance Agency in Hamburg, NY help you learn more about finding the right motorcycle insurance for you. Contact us today.

Top 3 Home Insurance Add-ons For Full Protection

Posted on by admin

Your primary home insurance policy offers a good deal of protection, but there are certain incident damages and property theft situations that it won’t cover. This is where ad-ons (aka riders or endorsements) can fill any potential coverage gaps. Our experts at Fenzl Insurance Agency in Hamburg, NY detail the top three home insurance add-ons owners may need.

Top 3 Home Insurance Add-ons

1. Equipment Breakdown Coverage for Homes

Equipment Breakdown Coverage (EBC) is more commonly known as appliance coverage, but it also covers electronics, HVAC systems, home gym setup,s and more. With the costs of replacements these days, EBC can be very useful for homeowners. However, there are exclusions, such as pool and spa pumps and other devices, but other add-ons are available to cover damage to pools and other high-cost equipment.

2. Incidental Water Backup Coverage

Investing in Water Backup Coverage (WBC) this add-on helps homeowners enjoy adequate protection from water damage. While it doesn’t cover flooding due to acts of God, it does cover damage to belongings and floors should a pipe leak or the sump pump back up. Note, the pipe itself isn’t covered, just damage for affected possessions.

3. Extended Reconstruction Cost Ads-on

As the cost of construction materials and labor gets higher, it can cost more to rebuild a home than the basic insurance valuation. This could be financially disastrous should the structure suffer complete destruction or non-reparable damage. An Extended Reconstruction Cost (ERC) add-on covers a specific percentage beyond basic coverage when costs are higher than expected.

Reach Out To Us

Your home and its contents are likely precious to you, and keeping them protected is essential. Go the extra mile and get any add-ons that may prove useful in saving you money. Talk to one of our experienced insurance agents at Fenzi Insurance Agency in Hamburg, NY to get solid advice and great rates.

Insurance Blog