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Larsen Insurance Agency Blog

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Call Today 684-3203

Underground Utility, Make Sure You Have it!

5/15/2025

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Homeowners and landlords make sure you add on or have underground utility coverage also called service line coverage. For $20-$60 a year added onto your policy, it covers $10,000 of repairs for a $500 deductible - even if your main deductible is $1,000 or $2,500! With our aging water and sewer systems, it is well worth this small added cost to have this coverage.

For landlords, it is only available for 1-4 family rentals, as those type of properties are still considered a personal lines policy and not commercial property. Anything with 5+ units is considered commercial and underground utility is not available.

​Get underground utility coverage TODAY!
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Additional Insured Status for Commercial Property Owners.

5/14/2025

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One often overlooked, very important item for commercial building owners is the additional insured use on their tenants policies. When you have your tenant add your entity on to their policy as an additional insured, that gives you 1st defense for liability when they are negligent.

Any good attorney will be suing the tenant but also the building owner too, let the liability be determined by the court. However, if you are an additional insured on that Subway shops insurance on the slip & fall on their wet floor, your 1st defense is their insurance policy.

Additional insured gives you liability protection on your tenants policy when they are negligent. So a co-defendant lawsuit, their (the tenants) policy would respond 1st before it ever got to your own insurance policy.

Get that additional insured status on your tenants policies!
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Your garage is included in homeowners coverage...

5/13/2025

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But not it's contents! You have 10% of your home's insurance for "other structures", garage, shed. pool house, so $300,000 home = $30,000 on the garage. But the contents of the garage probably should be insured separately! Things like dirt bikes, Quads, boats, skidoo's, snomobiles, pop-up trailer's, that classic car you've been working on, they all need it's own insurance policy.

We once had a homeowner client, who stored an camper in his garage and the weight of ice/snow collapsed the garage roof and damaged the camper. Insured called with a claim and guess what? Found out he wasn't covered on his camper - he had assumed what was in the garage was covered, when it is not. Just because it is in the garage, doesn't mean that coverage on your homeowner policy extends to the contents, it does not.

​Make sure the things in your garage have insurance coverage.
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E bikes Need Their Own Insurance!

2/11/2025

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I Think many consumers THINK that homeowners insurance provides coverage for an E-Bike! That would be incorrect - E-Bikes need their own insurance policy! They are treated just like a motorcycle,  a motorized vehicle that can maintain certain speeds and are also pricey in cost.

So don't assume that the e-bike you store in your garage is covered by homeowners insurance - it is NOT! You need a separate policy for an E-Bike if you want it covered!

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Cyber Liability Coverage

10/25/2024

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A quick video explaining what Cyber Liability covers.
https://app.heygen.com/share/18d23497bf8b460e901b0f473adc22b6
Call us at 716-684-3203 to get covered for Cyber Liability!
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What are the factors that auto insurance companies use for rating my auto insurance?

10/2/2024

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Many people want to compare their auto insurance rates with their co-worker, neighbor brother or sister. It just cannot be done! Their are too many factors used in auto rates and the "tiers" of rates insurance companies use are dependent on how they weigh those factors. They are:
*Age of drivers
*Driving records
*Claims history
*Homeowner or renter
*Credit score
*Kinds of cars driven
*How many miles driven a year
*What town or city do you live in

All these factors make are used in the insurance companies "algorithm" which then slots them in the correct tier of rates. So your neighbor doesn't have the same claim history as you or drive similar cars or have the same credit as you do. That is why any comparison with the neighbor can't be done, nearly impossible. And if they "bundle' homeowners with the auto insurance, then get a further discount that maybe you don't!

Just be a smart insurance consumer and do your own auto insurance comparison shopping. It definitely won't be like your sister's, brothers or co-workers auto insurance policy.

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Caring vs Transactional - the difference!

7/1/2024

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I did a post on LinkedIn about CARING - It went like this:

CARE!

That's the difference.

Huge difference.

When you call an 1-800-number for your insurance do you think they care?

When you go online to shop for insurance, do you think they care?

When you have an insurance claim, do you think they care?

Being transactional vs. caring - big difference.

"You'll know how much we know, when you know how much we care!"

Simple.

CARE - it's what we do.
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Insuring antique cars

6/4/2024

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Insuring your very beautiful antique auto is something we love to help with. These classic cars are your pride & joy, something we don't take lightly when insuring them. Classic cars coverage is very unique and several insurance companies provide this coverage. We can help cover your investment in these beautiful cars, with classic car coverage.
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New York Worker’s Compensation Return to Work Help!

5/27/2024

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If a business's experience modification factor (often referred to as an experience mod or Ex-Mod or EMR) is over 1.0, it indicates that the business has had a higher-than-average number of claims or more severe losses compared to other businesses in its industry. This can lead to higher workers' compensation insurance premiums. Here's what a business should do in this situation:

Read More
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Do You Trust Your Insurance Provider?

5/24/2024

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OK, you had the above car accident, now who do you call? If you bought insurance online, you call the claims department, not the same person who sold you your policy. Or a vehicle change, the service department, not the same person who sold you the policy. Have a billing question, the billing department...and so on!

With an independent insurance broker like us, you call us for all of the above! No need to talk to 4 different people depending on what you need. Same person to talk to every time. Not 4 people  ONE PERSON.

​That is the difference in an independent insurance broker vs buying insurance online. Or 1-800-insurance. We are different!
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Larsen Insurance Agency​
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
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  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
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      • Event Insurance
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  • About
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    • News
  • Blog
  • 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
  • Newsletter
  • Luxury Home Insurance in NY
  • Workers Compensation
    • Florists Workers Compensation in NY
    • Restaurant Workers Compensation in NY
    • Grocery Store Workers Compensation in NY
    • Bakery Workers Compensation in NY
  • Business Insurance
    • Barber Shop Insurance - NY
    • Brew Pub Insurance in New York
    • Coffee House Insurance in New York
    • Business Owners Package (BOP) Insurance
    • Hair Salon Insurance
    • Restaurant Insurance