Eric Funk Agency

  Introduction When you have personal insurance policies, you must revisit them from time to time. Personal insurance provides a safety net for your loved ones in unfortunate events. However, as your life changes, your insurance needs may also change. Therefore, addressing those needs and reconsidering your policy plans regularly is essential. Moreover, it provides additional ways to manage risk and ensure you stay on track to meet your wealth management goals.  Whether you are a business owner or an individual, ensuring you have the right coverage at the right price and terms is crucial. And if you own an investment-linked personal insurance Centereach NY policy, reviewing the policy each year becomes even more critical.  Reasons to review your insurance For most personal insurance, your agent or carrier will renew your policy annually. However, before this renewal, it is vital that you review the coverage to make sure everything is accurate and that you have the best c...

  We all know home insurance is a crucial investment for homeowners, particularly those in New York, where natural disasters and unforeseen events are not uncommon. Whether you are purchasing your first home or renewing your current policy, it is essential to discuss various aspects of your home insurance policy with your insurance company to ensure that you have comprehensive coverage that meets your unique needs. This article will discuss seven essential things homeowners should consult with their h ome insurance companies in New York . Things to discuss: Coverage limits: Coverage limits are among the most important things to discuss with your home insurance company. It refers to the maximum amount your insurance company will pay out in case of a covered loss. It is crucial to understand your coverage limits and ensure that they are adequate to cover the rebuilding cost of your home and replace your belongings in disaster.  Deductibles: Your deductible is the amount you must...

If you have a car in New York, it's essential to have auto insurance. It is legally mandatory and can save you money and stress in the long run. You can obtain insurance from an auto insurance company in New York , but you may ask why you should purchase insurance. Well, there are numerous benefits. To help you know them, we'll review the benefits of owning insurance for your automobile in the article. Benefits to Know: Protection Against Financial Loss: One of the primary benefits of car insurance is its financial protection. If you're in an accident and are deemed at fault, you could be liable for the damages to the other person's vehicle and medical bills. Without insurance, you will have to pay these costs out of your pocket, which could be financially devastating. However, with car insurance, you can be protected from these expenses and instead have your insurance provider cover the costs up to your policy limit. Coverage for Bodily Injuries: Another essential aspe...

Your home is the most valuable and expensive of all your possessions. Unfortunately, earthquakes and other natural disasters can produce widespread destruction that might damage your home's foundation.  To safeguard yourself and your home against such contingencies, home insurance via home insurance companies in new york is an absolute need. To appreciate home insurance, it is necessary first to know what it is and why you need it.  A house insurance policy can be purchased from the best  insurance company in NY ,  during which it will be in force. Homeowner's insurance is also a term contract. Therefore, the insurance coverage can be renewed after the first term ends.  This article has discussed the advantages below of why you need home insurance.  Reasons Why You Need Home Insurance  Protects Liability Liability protection from homeowner's insurance protects you from lawsuits filed by injured visitors or other parties resulting from accidents or dam...

In most countries like Newyork, drivers are mandated to have auto insurance. Although auto insurance is not required in other states, drivers must nonetheless be able to demonstrate financial responsibility in the event of an accident.  While it's true that most drivers carry insurance from the car insurance company in NY because it's required by law, it doesn't imply you should skimp on coverage. Getting auto insurance is a smart move for several reasons. Let's check out why auto insurance is important. Save From Money You may save yourself and your family a lot of money in the long run by investing in car insurance now. You can save a lot of money in the long run if you invest a little of it now in your safety.  Collision insurance, comprehensive insurance, liability insurance for property damage, and personal injury liability insurance can all assist in covering the expenses of potentially devastating claims. Avoid Hassle and Wasted Time  Dealing with the aftermath ...

Car insurance is a must because it is required by law and protects you financially against bad things that could happen to your car.  Make sure you get the greatest car insurance policy, whether you're required to carry a Third-party Car Insurance agency New York or want the complete coverage of Comprehensive Car Insurance. Purchasing car insurance is an excellent first step in protecting your dream car from potential harm caused by an accident or a natural disaster.  Research the various car insurance company in NY plans available to you before committing to one. Read on for helpful hints about finding the right car insurance policy for you. Helpful Suggests for Deciding on the Best Car Insurance ● Choose an Appropriate Cover There are two main categories of car insurance: comprehensive and third-party liability. Cause harm to another person's or business's vehicle or property, and your insurance policy covers the damage.  You will only be responsible for paying their m...