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June 2017 47 boatingonthehudson.com
ARE YOU A SAFE DRIVER?
A RESPONSIBLE HOMEOWNER?
Let our agency tell you about the AARP® Auto &
Homeowners Insurance Program from The Hartford .
As your local Hartford independent agency, we can show
you all the advantages, including:
• Average savings of $404* for drivers who switch.
• “Bundling” discounts for insuring your home and cars.
• Friendly service from our local office.
Get your FREE no-obligation quote today!
*Savings amounts are based on information from The Hartford’s AARP Auto Insurance Auto Insurance Program customer who became new auto insurance policyholders between 7/1/13 and 6/30/14 through the traditional
AARP Auto Insurance Program and provided data regarding their savings. Authorized agents can also provide coverage under this Program. Your savings may vary.
The AARP Automobile & Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford CT 06155. CA license number 5152. In
Washington, the Auto Program is underwritten by Trumbull Insurance Company.The Home Program is underwritten by Hartford Underwriters Insurance Company.AARP does not employ or endorse agents or brokers. AARP
and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for
Program eligibility in most states.Applicants are individually underwritten and some may not qualify. Specific features, credits, and discounts may vary and may not be available in all states in accordance with state filings
and applicable law. You have the option of purchasing a policy directly from The Hartford. Your price, however, could vary, and you will not have the advice, counsel or services of your independent agent.
PLA039-1
KARAS INSURANCE AGENCIES
INC/C.R.
321 SOUTH RIVERSIDE AVE
CROTON-ON-HUDSON, NY , 10520
Cathy Karas
914-271-5188
Personal liability insurance usually comes with all forms of
homeowners insurance. This section of the policy provides
coverage and legal defense costs for bodily injury or property
damage you or any “insured” may cause through your
negligence. By definition (on a New York homeowners form),
“insured” means Your relatives or other persons under 21 and
in your care or in the care of a relative who is a resident of your
household, a student in school full-time who was a resident
before moving out provided the student is under 24 and your
relative or under 21 and in your care or care of a resident of
your household who is your relative. Common situations
where there may not be coverage would be any intentional
injury, for example your child gets into a fight and someone is
injured or damages property on purpose. Many homeowners
policies now have exclusions of liability for underground oil
tanks that may leak and cause contamination, dogs that may
bite and cause injuries and trampolines where children could
be injured. If you operate a home based business, depending
on the nature of what you do or sell, there may be not only an
exclusion for your business operation itself, but an exclusion
of coverage for a structure on your property you are using for
storage or for your business in any way. Sometimes you can
get these coverages back by changing companies or adding an
endorsement to an existing policy.
Homeowners insurance is not something to buy on line,
There are so many policy types, companies and endorsements
that only a licensed professional can guide you to making the
best choice of coverage and finding the best price for what
you need. Also, using an broker that only has one company is
certainly limitingwith only having one option. At Karas Insurance
Agencies Inc., we represent many companies for all types of
homeowners insurance. Even if you have a history of claims, a
dangerous dog breed, an underground oil tank, an unfenced
pool, a business in your home or poor credit, we can find a policy
for you. Besides over 10 companies we can place homeowners
insurance with, we represent The Hartford Insurance Company
AARP program. Just by being 50 and over you can benefit from
joining AARP for a small fee and take advantage of the low rates
and homeowners policy features such as guaranteed lifetime
renewal, disappearing deductible and a 20% discount if Hartford
also insures your car(s). Might as well take advantage of your age
and see what savings you may experience! As an independent
insurance agency, representing more than 10 companies since
1973, we have only licensed professional with many years of
experience to provide you with a friendly price and coverage
quote or comparison against your current coverage. We are
here Monday - Friday from 8:45 - 4:45 to help you and answer
whatever questions youmight have. We are located at 321 South
Riverside Ave, Croton-on-Hudson, NY 10520 and ca be reached
by phone at 914-271-5188 or you can email me at cathykaras@
karasinsurance.com.
Cathy J. Karas, President, Certified Insurance Counselor, Karas
Insurance Agencies Inc., 321 South Riverside Ave, Croton-on-
Hudson, NY 10520. Disclaimer: This article is for informational
purposes only. Contact your insurance company or broker
for specifics on your own policy.