LARSEN INSURANCE AGENCY
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​Frequently Asked Questions

Q- Why would home insurance not cover my recent repairs?

9/27/2022

0 Comments

 
​Probably a maintenance issue and not a sudden and accidental loss.
Our past UNCOVERED losses:
80 year old chimney came crashing down. Lacked mortar between brick, lacked maintenance.
40 year old boiler stopped. No water was getting into it and it seized up, lack of maintenance.
Leak behind a shower wall for 6 months. You never saw water on floor or basement? Lack of maintenance.
Insurance is NOT for the upkeep of your home. It is for sudden and accidental loss. A 60 mph wind blows shingles off your roof. A tree falls and damages your garage. A 2nd floor bathroom pipe bursts and there is damage to the 1st floor walls, ceilings and flooring……that is what homeowners insurance is for.
0 Comments

Q- How much can business insurance really protect you?

9/27/2022

0 Comments

 
Liability wise 100%! Our claims have been for a hairdresser burning someone’s scalp - $125,000. A slip and fall at a rental property - $50,000 paid. A gas company meter reader falling down basement stairs at a landlord’s property - $75,000. A broken tooth at a restaurant - $14,000 paid out. Would you want to pay these in cash if they were your business without insurance? Actual claims paid through my insurance agency.

I would not own a business without business insurance.

0 Comments

Q-Can you be forced to sell your home to pay for a judgment in New York?

9/27/2022

0 Comments

 
Yes and no. The no part - you cannot be forced to sell your home in a judgement. The yes part, it becomes a lien on real property in NY state, so payable upon the sale and/or refinance of your home. Cannot be forced to pay but you will pay this to get a clear title to sell when you are ready!

​So you must pay eventually but being forced to sell - NO.

0 Comments

    Contact us

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

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Contact Us

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
      • 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
    • Client Testimonials
    • Refer a Friend
    • 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