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Larsen Insurance Agency Blog

Call Today 684-3203

Will my homeowners insurance replace my electrical box?

9/24/2019

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Quick answer is NO as that would be a maintenance issue to upgrade your home. If your electric line maybe "arced" and caused a TV or other appliances to "fry" then those would be covered by the arcing. But to have the panel replaced because it is old or needs an upgrade - NO.

Consumer's of insurance should know that insurance is for things that are sudden & accidental and not for maintenance type issues. As the owner of a home, you are responsible to upkeep or take care of issues like this. As a fellow homeowner, I know this can be expensive to upgrade but that is the cost of homeownership.
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Auto comprehensive insurance coverage

9/19/2019

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There is some confusion as to what comprehensive coverage is on an auto insurance policy. Comprehensive insurance coverage is for fire, theft, glass and collision with an animal - yes collision with an animal. So as the deer start looking for food every fall and come out more, we see much more comprehensive claims being put in.

Some clients ask, should I keep full coverage on my car that is 10 years old? (By full coverage they really mean comprehensive & collision coverage). Collision coverage maybe not, as the value of your car may not be worth fixing. But if you wish to keep glass coverage & collision with a deer (most of the "comp" claims are these 2) then just keep comprehensive coverage on.

This is also true when you are storing a car for the winter. So the risk of collision with an animal is gone but what if something falls on the windshield? Or the garage catches fire? You would need the comprehensive coverage on that auto insurance to file a claim.

​Always be a smart insurance consumer and know your risks. We are always here to help and provide advice because your financial future depends on it. 
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Look at our video section....

9/12/2019

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We believe in a teaching philosophy, the more you know, the better consumer you will be. Teaching you how to be a better insurance consumer is what we hope to achieve. Your families and/or your business depends on protection from sudden and accidental events.

You should have an educated idea of when and when not to put a claim in on auto, home or business insurance. Your claim history often dictates where or with whom we can place your insurance. So your independent insurance broker - like us - always have your back on advising during a claims process.

You should never be alone when it comes to the handling of a claim. You should have the ear and advice of your insurance professional. Watch our video's and educate yourself, it would benefit both of us!
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Why do homeowner insurance policies vary so much?

9/5/2019

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Every insurance company uses some form or a "replacement cost estimator" to come up with a rebuilding value. Since this is what it would cost to replace your home, based on square footage, year built, where it is and any "extra" amentities - this is smart. The problem is that there are many versions of "replacement cost estimators" and no two come up with the same figure.

Us in the insurance world, would wish there would be a more standardized solution or at least less comparisons out there. After all, the cost to rebuild based on square footage in a certain zipcode, will not change. The year it was built and certain things like cherry wood floors would change but not the basic cost per square feet.

That is why independent insurance brokers like us use a variety of insurance companies. To re-build or replace a home could often be $100,000 to $200,000 based on who'e estimator you are using. Then the resulting premium cost vary by $400-$800 a year. So it definitely pays to shop around and get the best cost for your insurance dollars when it comes to your home.

​Tom Larsen
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8665 Sheridan Dr
Williamsville, NY 14221
(716) 684-3203
Click Here to Email Us

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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Wedding Insurance Quote
      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Hair Salon Insurance
      • Restaurant Insurance
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Blog
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    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs