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Fenzl Insurance Agency

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Hamburg, NY 14075

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!

Remember to Check Your Policy as You Prepare for the Upcoming Motorcycle Season

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For motorcycle enthusiasts, the end of the riding season can be sad, and the wait for winter to pass can feel endless. However, with the new motorcycle season on the horizon, it’s time to start preparing. Preparation is key, whether that means investing in new gear, scheduling a tune-up for your bike, or checking your motorcycle insurance policy. For motorcycle owners in and around Hamburg, NY, this should also involve reviewing your motorcycle insurance policy with agencies like Fenzl Insurance Agency to ensure everything is in order before you hit the road.

Include Motorcycle Insurance in Your Pre-Season Preparations

As you check your gear and bike, remember to touch base with your insurance agent to ensure you have the correct coverage dates and understand what is or isn’t covered under your policy. This is why motorcycle owners and riders in Hamburg, NY, trust the friendly and experienced team at Fenzl Insurance Agency for the protection they need before they hit the road this motorcycle season.

If you live in the Hamburg, NY area and have questions or need motorcycle insurance for your ride, we’re here to help. Contact us to learn more and schedule an appointment today at Fenzl Insurance Agency for the protection you and your bike need.

Home Insurance Coverage For Winter Ice & Snow Damage

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Harsh winter weather can cause severe damage to homes due to the weight of snow and the intrusion of ice into construction materials. Standard home insurance policies generally cover this type of damage. At Fenzl Insurance Agency in Hamburg, NY, we provide insurance policies to protect our clients’ home investments.

Common Types of Snow & Ice Damage

Heavy snowfall can stress roofing materials significantly, leading to moisture intrusion and potential collapse. Rapid thawing and freezing of water can damage roofs or gutters and cause leaks into the home interiors. Snow buildup on tree branches near the structure can collapse and lead to damage to windows and walls. Rapid melting of snow can overflow the gutter system and cause flooding in the home. Water in pipes can freeze and cause them to burst, leading to moisture damage and mold growth inside the house.

Your Home Insurance Covers the Cost of Snow and Ice Damage Repair

Standard home insurance policies will generally cover these common types of damage caused by severe winter weather events. If you experience damage to your home from snow or ice, contact your insurance agent to learn how to file a claim that can help repair your home and get back in stable condition.

Choose Fenzl Insurance Agency for Your Home Insurance Coverage

Our experienced agents in Hamburg, NY, can answer any questions you have about your home insurance coverage for winter damage. We offer our clients a broad range of insurance products, including flood, condo, renters, auto, business, and life. Contact Fenzl Insurance Agency today for a no-obligation quote on your home insurance coverage to ensure you are prepared for winter’s severe weather.

Does your auto insurance cover a vacation auto rental?

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In New York, drivers must have at least liability insurance to take a vehicle on the road. When you are headed for vacation and need a rental car, you will likely book it online. The questions will start immediately: where, when, and what vehicle is just the beginning. Our team of agents at Fenzl Insurance Agency in Hamburg, NY is here to answer any questions you have about auto insurance coverage.

There isn’t just one answer: "Does your auto insurance cover a vacation auto rental?" The answer is maybe, possibly. It depends on the type of coverage you have on your auto. If you have basic auto insurance, which is liability only, that will not be enough coverage. The rental car company will want you to have coverage on the vehicle. If you have a newer vehicle with an auto loan or a leased vehicle, your coverage should be adequate for the rental company.

Your insurance coverage is good in the United States or Canada but not in Mexico or Europe. The rental company may try to talk you into getting excess liability insurance. This is unnecessary if you feel safe with the amount of coverage you have on your auto policy. They also offer you insurance to cover the car’s contents from theft. This is also unnecessary coverage if you have a home, condo, or rental with insurance coverage. Those types of insurance cover theft.

You should check with your credit card company to see if they offer car rental coverage. This allows them to be the primary coverage on the vehicle.

If you want to renew your auto insurance or have questions, contact our office at Fenzl Insurance Agency in Hamburg, NY.

Do I need motorcycle insurance to drive in the state of New York?

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Many people enjoy riding motorcycles on the streets and local highways. Although not all states require motorcycle owners to carry insurance, most do, and New York is one such state. Our team at Fenzl Insurance Agency is committed to educating and insuring motorcycle owners in Hamburg, NY.

What is Motorcycle Liability Insurance?

Motorcycle liability insurance is similar to auto liability insurance. It provides coverage for other drivers if you’re found at fault for an accident or property damage. This coverage will pay medical bills for anyone who is injured in an accident where you’re at fault. This insurance will also cover any damage you cause to other people’s property while driving your motorcycle. Drivers should be aware that liability coverage isn’t designed to cover your injuries or any damage to your motorcycle or property. It will only cover damage or injuries to other people and their property. Drivers will need to purchase more coverage if they want protection for their potential injuries and damage to their motorcycles.

Do I need motorcycle insurance to drive in the state of New York?

Yes. New York’s state minimum insurance requirements mandate all motorcycle owners to carry liability insurance. Liability insurance provides coverage for bodily injury as well as coverage for property damage for other drivers. Drivers must purchase more insurance to cover damage to their property or motorcycles. Motorcycle owners must also have a motorcycle or Class M/MJ license. New York laws mandate that all motorcycle owners must carry liability coverage as a state minimum requirement. However, motorcycle owners can purchase more coverage for their property and potential personal injuries. If you have questions regarding motorcycle insurance, contact us. Our team at Fenzl Insurance Agency would be happy to answer your questions and explore your options.

How to Protect Your Roof From Ice Dams and Why Its Important

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Winter is steadily approaching, and at Fenzl Insurance Agency in Hamburg, NY, we desire to ensure your roof remains in excellent condition. Learn what triggers the formation of ice dams, and discover how you can help prevent them from occurring on your roof this season.

What Are Ice Dams?

Ice dams occur when the snow on your roof begins to melt due to heat emanating from within your home. As the water trickles down the roof, it encounters colder edges, causing it to refreeze. Over time, these ice dams build up, effectively barring additional meltwater from draining. This water can accumulate under shingles, eventually leaking into attics, walls, and ceilings.

Prevent Ice Dams With Proper Insulation

The secret to thwarting ice dams lies in controlling the flow of heat in the attic. Ensuring sufficient insulation and correct ventilation prevents the snow on the roof from melting initially. Ensure that your attic’s insulation meets or surpasses the recommended R-value for your region. Inspect exhaust fans, soffit vents, and ridge vents to ensure the attic air circulates properly.

Maintain Proper Roofing Materials

Employ architectural shingles infused with weathering granules that resist snow melting. Regularly clear debris from valleys, downspouts, and gutters to allow melting snow to flow freely off. Also, trim any overhanging tree branches that could potentially deposit snow onto your roof. Setting up roof heating cables along susceptible eave edges can aid in managing the formation of ice dams.

Catch Roof Issues Early

Inspect your roof for signs of ice following a snowstorm. Also, indoors, watch for signs of leaks—water stains on ceilings and peeling paint. Addressing these problems swiftly can help minimize costly structural damage in the future.

Be proactive against the threat of ice dams to ensure the safety of your roof. If you require assistance assessing risk or selecting the most suitable homeowners coverage for your home, feel free to contact our team at Fenzl Insurance Agency in Hamburg, NY.

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