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Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

What Should I Know About Filing a Home Insurance Claim?

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If your home has recently been damaged during a covered event, you may be thinking about filing a home insurance claim. The professionals at Fenzl Insurance Agency, servicing Hamburg, NY, can help you with this process. Filing a home insurance claim can be intimidating, but it’s easier when you have an industry professional walking you through the process.

When Can You File a Home Insurance Claim?

You can file a home insurance claim when your home or belongings have been damaged in a covered event and the cost of the recovery exceeds your deductible. What’s covered under home insurance policies can vary, but here are some examples:

  • Fire
  • Theft
  • Vandalism
  • Lightning
  • Windstorm
  • Hail
  • Falling objects
  • Weight of ice and snow

For a full list of what is covered under your home insurance policy, refer to your policy document. You can also contact the professionals at Fenzl Insurance Agency if you can’t find a copy of your policy document.

What Happens During a Home Insurance Claim?

Filing a home insurance claim starts with a phone call to your insurance agent. The sooner you file your insurance claim, the faster you can start recovery, so contact your agent as soon as you’re able. There are also time limits for filing a claim so don’t delay, and document everything thoroughly.

Your insurance agent will help you kick off the process. Every insurance company has a slightly different process for filing a claim. Some insurance companies may require you to fill out a form, while others may put you in touch with a claims adjuster immediately.

Need to Start the Home Insurance Claim Process? Call Us.

If your home has recently been damaged in a covered event, the professionals at Fenzl Insurance Agency, servicing Hamburg, NY, can help you file an insurance claim. Call today to speak with one of our insurance experts.

Do Teen Drivers Living at Home Need Their Own Auto Insurance in New York?

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If you are a parent or guardian of a teen driver living at home in Hamburg, NY, and the time has come for them to get their regular driver’s license, you may be wondering how to handle auto insurance. This is an important question to address to ensure the newest driver in your household has proper coverage. With help from our agents at Fenzl Insurance Agency, we can assist you in getting your teen driver insured.

New York Auto Insurance Requirements

Every driver in New York is required to have auto insurance, including teen drivers who have obtained their driver’s license. Teens who live at home can typically be added to their parents’ insurance policy, ensuring compliance with state requirements.

While a teen living at home in New York may be able to get a separate policy, it’s often more practical to add them to your policy. An exception to this would be if your teen decides to purchase their own vehicle and move out of your home. At that point, they would need to secure their own auto insurance policy.

Adding your teen driver to your policy has several benefits. It allows them to drive any vehicle listed on your policy while providing liability coverage. Additionally, it can save money, as a separate policy for a teen with limited driving experience tends to be more expensive.

Contact Us

If you have questions about securing auto insurance for your teen driver in Hamburg, NY, contact us at Fenzl Insurance Agency. We’ll help you get the coverage in place to ensure your teen driver is adequately protected.

Do Teen Drivers Living at Home Need Their Own Auto Insurance in New York?

Posted on by admin

If you are a parent or guardian of a teen driver living at home in Hamburg, NY, and the time has come for them to get their regular driver’s license, you may be wondering how to handle auto insurance. This is an important question to address to ensure the newest driver in your household has proper coverage. With help from our agents at Fenzl Insurance Agency, we can assist you in getting your teen driver insured.

New York Auto Insurance Requirements

Every driver in New York is required to have auto insurance, including teen drivers who have obtained their driver’s license. Teens who live at home can typically be added to their parents’ insurance policy, ensuring compliance with state requirements.

While a teen living at home in New York may be able to get a separate policy, it’s often more practical to add them to your policy. An exception to this would be if your teen decides to purchase their own vehicle and move out of your home. At that point, they would need to secure their own auto insurance policy.

Adding your teen driver to your policy has several benefits. It allows them to drive any vehicle listed on your policy while providing liability coverage. Additionally, it can save money, as a separate policy for a teen with limited driving experience tends to be more expensive.

Contact Us

If you have questions about securing auto insurance for your teen driver in Hamburg, NY, contact us at Fenzl Insurance Agency. We’ll help you get the coverage in place to ensure your teen driver is adequately protected.

Does Motorcycle Insurance Cover a Sport Bike in Hamburg?

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Sport bikes are motorcycles designed for speed and agility, whether on the road or a racetrack. These high-performance machines often come with a higher price tag compared to cruisers or touring motorcycles. In New York State, sport bikes are required to be insured.

Due to their advanced engineering, sport bikes are attractive targets for thieves. Additionally, their agility and high speeds can increase the likelihood of accidents. For these reasons, it’s essential to protect your asset and yourself with the right insurance policy.

What Coverage Do I Need?

In New York, bike owners are required to carry basic insurance known as Liability Insurance. This type of policy helps cover bodily injuries and property damage resulting from accidents in which you are involved.

At Fenzl Insurance Agency, we offer additional coverage options to enhance your protection:

  • Personal Injury Protection (PIP): Covers medical expenses and lost wages in the event of an accident.
  • Uninsured/Underinsured Motorist Coverage: Provides protection against accidents involving drivers who lack sufficient insurance.
  • Comprehensive Coverage: Protects against non-accident-related losses, such as theft, vandalism, or natural disasters.
  • Collision Coverage: While not mandated in NY, this coverage protects your sport bike if it’s involved in a collision with an object or another vehicle.

We Want You to Stay Safe While Enjoying Your Ride

Whether you ride your sport bike on city streets, open roads, or recreational tracks, having the right insurance policy is crucial. Our knowledgeable agents at Fenzl Insurance Agency are here to review the details of motorcycle insurance and customize a policy that meets your needs. Visit us in Hamburg, NY, or contact us today to get started.

Why Does Your Home Insurance Need Liability Coverage?

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Home insurance provides a variety of protections that are essential for homeowners. One of the most important types of coverage included in home insurance is liability coverage. While it’s often overlooked, liability coverage can protect you from the significant financial burden of accidents that occur on your property. If you don’t have a home insurance policy, now is the time to secure one. Contact Fenzl Insurance Agency, servicing Hamburg, NY, to get started.

Accident Protection

As a homeowner, you are responsible for the safety of visitors on your property. If someone outside your household is injured while on your property, you could be held liable for their injuries. Accidents, such as slips and falls, can happen unexpectedly—even in homes without obvious hazards. Liability coverage in your home insurance policy protects you from the financial consequences of such accidents.

The Costs of Accidents

The expenses associated with accidents can be overwhelming. These costs may include medical bills, lost wages, and legal fees incurred by the injured party. Even a seemingly minor accident can result in significant financial strain. Liability coverage ensures that these expenses are covered, so you don’t have to pay out of pocket.

Get Home Insurance Today

If you don’t yet have home insurance, you’re leaving yourself vulnerable to risks like accidents and other incidents. Don’t wait to protect your home and finances. Contact Fenzl Insurance Agency, servicing Hamburg, NY, today to get started with a comprehensive home insurance policy.

Types of Auto Insurance: Basic and Beyond

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Shopping for auto insurance isn’t as simple as picking a policy and purchasing it. Auto insurance comes in various types and offers different levels of coverage to meet your needs. The first step in shopping for auto insurance is gaining a comprehensive understanding of your options. Are you currently in the market for auto insurance? If so, here’s a closer look at the different types of auto insurance. Once you know whether you want basic or customized coverage, you can turn to us at Fenzl Insurance Agency in Hamburg, NY to take the following steps in your insurance journey.

An Overview of Auto Insurance Types

Here are some key types of auto insurance you should know about:

  • Comprehensive Insurance: Comprehensive insurance covers your car in situations beyond collisions, such as fires, theft, or vandalism.
  • Liability Insurance: Liability insurance is often legally required and helps cover costs for injuries and property damage if you’re at fault in a collision.
  • Personal Injury Protection (PIP): Liability insurance won’t cover your own medical bills in an accident, but PIP will. PIP is required in New York, making it essential for legal road use.
  • Uninsured Motorist Coverage: If you’re worried about accidents involving uninsured drivers, this coverage will protect you by covering expenses they can’t pay.
  • Roadside Assistance: Roadside assistance is a valuable add-on that provides support in emergency situations. It’s a great option for frequent drivers seeking extra protection.

Shop Policies with Fenzl Insurance Agency

Fenzl Insurance Agency in Hamburg, NY is here to help you find auto insurance tailored to your needs. We make it easy to compare policies and find the right coverage for you. Compare quotes with us today to get started!

Will Your Older Motorcycle Be Insured Today?

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Every new motorcycle purchased from a dealership inevitably ages, experiencing slower speeds, reduced power, and requiring costly repairs. While some opt to replace their old bikes with newer models, others choose to keep them. Whether these bikes are frequently used or sit idle, they need insurance coverage, especially if they remain in excellent condition as they age.

Does Motorcycle Insurance Cover Aging or Old Bikes?

Indeed, it does. This type of coverage is known as classic and antique motorcycle insurance, although it may also be referred to as antique and vintage motorcycle insurance. It provides the minimum coverage required by state law and includes popular options such as comprehensive, medical, and collision coverage. Additional riders include OEM parts coverage, safety gear and accessories, bike transport, and extra liability protection. Classic and antique motorcycle insurance also covers mopeds and scooters.

Despite the similar-sounding names, antique, vintage, and classic are distinguished based on the age of the bike. Most policies cover bikes between 20 and 35 years old, but your bike could qualify if it’s as young as 15. Vintage motorcycle qualifications extend further back, covering bikes over and under 50 years old. An agent at Fenzl Insurance Agency can provide additional criteria to determine if your bike qualifies for coverage, including factors such as design, use, frequency, and condition. Modern bikes younger than 15 years could be considered classic depending on their design and condition.

Does Motorcycle Insurance Cover Aging or Old Bikes Less Than 15 Years Old?

In Hamburg, NY, standard motorcycle insurance policies protect older, non-vintage motorcycles, with the exception of motorcycles that are not roadworthy.

Allow an agent at Fenzl Insurance Agency to find the right insurance for your aging motorcycle. The agent will review your policy to see if your bike meets the criteria for classic, vintage, or antique insurance. The agent will also assist you in securing a carrier that caters to the needs of your aging motorcycle. Visit our office in Hamburg, NY, or contact us for more information.

Does My Current Homeowners Policy Cover Natural Disasters in Hamburg NY?

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Homeowners in Hamburg, NY, are located near Lake Erie, which can increase their exposure to flooding, wind damage, and even unexpected snowstorms. If you’re a homeowner, understanding whether your existing policy covers natural disasters is crucial for protection and tranquility. At Fenzl Insurance Agency, we’ll work with you to maximize your home coverage all year round.

What Does a Standard Homeowners Policy Cover?

In New York, standard homeowners insurance policies protect against fire and smoke, lightning, explosions, theft, vandalism, and wind and hail (in most cases). Damage from snow, ice, and wind fires is also typically covered by traditional policies.

What is Not Covered by Standard Home Insurance Policies?

Whether you own a duplex, ranch-style home, or a colonial home in Hamburg, it’s important to understand which natural disasters are not covered by traditional homeowners’ policies. Standard policies do not cover floods, earthquakes, landslides, sinkholes, or even sewer backups. For additional flood insurance, you may want to consider a federal solution, such as the National Flood Insurance Program (NFIP). You can also work with your agent to determine which private insurance add-ons are suitable for your needs and risks, taking into account your property’s exact location.

Anyone living in or around Hamburg should be aware of disaster risks such as lake-effect snow and even severe wind events. Coastal erosion, property shifting, and spring flooding should also be considered, depending on your location.

Whenever you’re moving into a home or renewing your homeowners’ insurance policy, it’s advisable to work with an agency you can trust. If you want to enhance your coverage in Hamburg, New York, we can help. To learn more about protecting your home from natural disasters and unexpected events, Fenzl Insurance Agency is here to help every step of the way.

Hidden Gaps in Your Homeowners Insurance: Are You Really Covered?

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Are you fully aware of what your homeowner’s insurance covers? When the unexpected happens, the last thing you want to discover is that your coverage doesn’t cover or replace the damage. The expert team at Fenzl Insurance Agency serving Hamburg, NY encourages you to review your policy to ensure no hidden gaps leave you financially responsible. Here are some important points to keep in mind:

Natural Disasters May Not Be Included

Standard homeowner’s insurance covers common issues like fire, wind, and hail damage. However, this is not the case with floods, earthquakes, landslides, hurricanes, and wear and tear. These unexpected disasters require separate policies for coverage. Since Hamburg, NY experiences harsh seasonal weather and occasional flooding, you should consider adding these to your policy to provide peace of mind.

Home Insurance May Limit Coverage on Certain Contents

Remember that expensive, valuable belongings like your jewelry, electronics, art, and antiques might not be fully covered. Your homeowner’s policy probably has limits on how much it will cover. Consider raising or itemizing the limits on your policy to ensure they are covered.

Liability Limits May Not Be Sufficient

If someone is injured on your property, your liability insurance coverage helps pay for medical expenses and legal fees. This coverage might not cover costly, serious accidents. Increase your liability limits or add an umbrella policy for coverage.

Contact Fenzl Insurance To Review Your Homeowner’s Policy

Now that you know you might have gaps in your homeowner’s policy, it’s time to understand what is covered and what is not covered. The team at Fenzl Insurance Agency serving Hamburg, NY, is here to help you figure it all out. Contact us today.

Car Insurance Considerations When Moving to a New State

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There are many things to consider when moving to a new state, and car insurance is one of them. If you’re planning a move to the Hamburg, NY area, we’re here to help make your transition as smooth and stress-free as possible. Understanding the right insurance coverage for your vehicle—and what to expect—can help you avoid surprises along the way.

Understand New York’s Insurance Requirements

Each state has different minimum insurance coverage requirements, so it’s important to familiarize yourself with New York’s regulations. Key areas to consider include:

  • Liability Coverage
  • No-Fault (Personal Injury Protection)
  • Uninsured Motorist Coverage

New York mandates these coverages for all drivers. For guidance on meeting the legal requirements, contact Fenzl Insurance Agency.

Consider Weather-Related Coverage

The Hamburg, NY area experiences harsh winters with snow and ice and occasional flooding. Wildlife collisions (especially with deer) are common and can cause significant vehicle damage. Adding comprehensive coverage to your policy can help protect you from weather-related and animal-related accidents.

Know Your Deductible

The cost of vehicle repairs in New York may be higher than in your previous state. Ask your insurance agent about deductible options and what out-of-pocket expenses you might face if your vehicle is damaged.

Get Expert Help from Fenzl Insurance Agency

These considerations should help you feel at ease as you gather insurance quotes. Fenzl Insurance Agency proudly serves the Hamburg, NY, area and would be honored to help you find the right coverage for your vehicle. Call us today for a quote!

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