19 Oct 2017
Signs that Your Home Needs a New Roof

Signs that Your Home Needs a New Roof

If you notice these signs, then it’s time to repair or replace your roof.

While you probably have a long list of tasks you need to complete to prepare your home for winter, one of the most important is inspecting your roof.  Your roof works hard to protect your home from the elements, so make sure that it’s in good shape when winter rolls around.  Use this guide to help you decide if your roof needs repairs before winter hits.

Safety First

Before you begin your roof inspection, be aware that it does require you to use a ladder.  If you feel unsafe climbing up and down a ladder, then do not undertake this activity.  Additionally, you should avoid using a ladder if its windy or raining.  Finally, never use a ladder while you’re alone.  Make sure someone knows where you are and have them check on you occasionally.  Remember, safety is always the top priority, so don’t be afraid to ask for help if you need it.

Indoors

You should begin your roof inspection from inside your home.  Climb into your attic and use a flashlight to check for water damage.  Things to look for include discoloration, warped wood, and places where your roof is sagging.  Additionally, puddles and mold are also clear indications that your roof is leaking.  If you notice any of these issues, then contact a roofing professional to ask about repairing your roof.

Outdoors

If you didn’t notice any issues during your indoor inspection, this doesn’t necessarily mean that you’re in the clear.  Continue your inspection my checking your roof from the outside.  If you notice any damaged, loose, or missing roof shingles, then you need repairs.  Damaged or missing shingles leave your home exposed to the elements and should be addressed immediately.  Additionally, if you notice accumulations of fallen shingle granules or other signs of deterioration, you might want to get your roof checked by a professional.  When it comes to your roof, it’s always better to be safe than sorry.

Use this guide to help you decide if your roof needs repairs for the coming winter.  Another great way to prepare your home for the winter weather ahead is to make sure you have the right insurance protections in place.  To get your home the coverage it needs, contact the experts at Moser Group Inc. in New York.  Our team of insurance professionals is ready to get you covered today.

17 Oct 2017
Update Your Auto Insurance for Fall

Update Your Auto Insurance for Fall

Make sure your auto insurance is updated to protect against these risks.

Because of all the changes that occur during fall, it is a great time to review and update your auto insurance.  If you are not sure what risks you should be concerned about, then read on.  Here are some of the seasonal risks you should be protected against this fall.

Daylight Savings Time

While you might not consider daylight savings as a driving risk, the time change does pose a danger to drivers.  Because we lose and hour in the fall, the days get shorter and the nights longer.  This means that a commute that happened during the day in summer, may now be happening in the dark.  This reduced visibility often catches drivers by surprise and they may struggle to adjust their driving accordingly.  Because this can increase your chances for an accident this fall, it’s important that you have the right insurance protection in place.

Wet Weather

During the fall months, many places experience an increase in wet weather.  Wet driving conditions can make the roads slippery and difficult to maneuver safely.  Additionally, if you are driving in heavy rain, then you might experience reduced visibility.  Both of these issues increase your chances of getting into a car accident, so make sure you update your policy to protect against these risks.

Halloween Vandalism

Unfortunately for car owners, the chances of your car being vandalized actually doubles on Halloween night.  In fact, more auto insurance claims are filed on Halloween than on any other day of the year.  Common claims include smashed windows, slashed tires, scratched paint, and stolen vehicles.  The best way to protect your car from the risk of vandalism this Halloween is to make sure you have the updated coverage you need.

This fall, take the time to update your car insurance to protect against these risks.  To get the auto coverage you need, contact the professionals at Moser Group Inc. in New York.  Our team of experts is ready to get you covered today.

28 Sep 2017
Fall Driving Dangers

Fall Driving Dangers

Stay safe this fall by watching out for these seasonal driving hazards.

When temperatures drop and the kids get ready to start a new year of school, you know that autumn is finally here!  Though fall is beautiful with all its golden leaves and soft sunshine, the start of the season also means a fresh batch of driving dangers to watch out for.  Keep you and your family safe this autumn by keeping these driving hazards in mind.

Rain

The first few heavy rains of the season are particularly precarious.  Rainwater collects on top of accumulated oil and dust, making the streets slippery and difficult to maneuver.  Drivers should take care to reduce their speed and to avoid sudden, hard breaking when driving through the rain.

Leaves

While autumn’s falling leaves might be beautiful to look at, they also pose a serious risk for drivers.  Fallen leaves can make streets slick, obscure traffic markings, and even conceal road hazards such as potholes.  When driving in areas with damp leaves, give yourself more time to react to a potential hazard by leaving ample space between your car and the car in front of you.

Fog

Cooler fall temperatures frequently lead to more foggy mornings.  Fog can affect your visibility and can make it difficult to judge distances.  If faced with heavy fog, use your car’s low beams rather than its high beams.  High beams can reflect off of fog, creating glare and reducing visibility to an even greater degree.

Increased Traffic

The return of fall means it’s back to school for the kids, and drivers should be aware of increased vehicle and pedestrian traffic.  It is particularly important to be vigilant near bus stops and in areas close to schools.

Stay safe this fall and contact Moser Group Inc. for all your auto insurance needs in New York.

21 Sep 2017
Finding the Right Liability Insurance

Finding the Right Liability Insurance

Make sure your business has the right liability coverage.

Finding the right liability insurance for your business is never a simple process.  Liability insurance policies come in all shapes and sizes, so it’s important that you choose the best policy for your business.  Here are a few things to keep in mind as you look for your liability coverage.

Understand what Liability Insurance Is

Liability insurance covers you and your business from legal claims, such as injury and property damage, that can occur during business operations.  If you have employees, the law mandates that you have liability insurance.  If your business doesn’t have employees, you may not be required to have a liability policy, but you should still be ready.  A single claim could hurt your business irreparably.

Know the Types of Liability Insurance

Many business owners are unaware that there are different types of liability insurance to choose from.  It’s important to know that there is a policy for any imaginable risk your business might face.  Types of liability insurance include: General Liability, Product Liability, Professional Liability, Commercial Property, and Home-based Business.

Identify your Risk

It’s important to understand what risks your business might encounter.  Speak to an experienced insurance agent to discuss your risk and determine if you need additional insurance options to cover your business completely.  As a business owner, you know your business the best, so take the time to consider any possible coverage needs.

Shop Around

Don’t settle for the first insurance provider you talk to.  Consider different options to ensure that you have the right insurance professionals by your side.  Use this as a networking opportunity, and ask other small businesses for referrals.

Consider these tips and make sure that your business has the liability insurance it deserves.  To discuss your liability coverage, contact the experienced professionals at Moser Group Inc. in New York for all your personal and commercial insurance needs.

14 Sep 2017
How Do I Choose the Right Home Insurance Deductible?

How Do I Choose the Right Home Insurance Deductible?

Maximize your home insurance by choosing the best deductible for you!

Deciding on your home insurance deductible can be a stressful balancing act.  Before starting the process, learn what a deductible is and how it affects you.

In plain words, a deductible is the amount of money you agree to pay out-of-pocket before your home insurance kicks in.  For example, if you have a deductible of $100 and you make a claim for $300, your insurance company will pay $200.

Many insurance companies have a minimum deductible that you must assume.  However, they also offer you the opportunity to balance your deductible against your premium.  This means that the higher deductible that you agree to pay, the lower your annual premium will be.  While increasing your home insurance deductible is a common money-saving strategy, it’s important to know the risks this decision entails.  Many homeowners agree to pay a higher deductible to save money on their premium only to find that they can’t pay their deductible when disaster strikes.  Agreeing to pay a higher deductible than you can afford means you might not receive coverage when you need it.

On the flip side, many homeowners decide on a lower deductible to ensure that they can afford coverage when they need it.  However, if these homeowners consistently avoid filing a claim, they might find themselves losing money by paying their high premium costs.

Ultimately, when choosing the right deductible for you, it’s important to look at your finances and determine what you can afford to pay comfortably.  Please remember that how your deductible affects your premium differs depending on state and local regulations.  Your individual insurance company will also affect the balance between your deductible and premium.  To learn more and get help choosing the right home insurance deductible in New York, contact the friendly team at Moser Group Inc.

07 Sep 2017
Little Things That Cost Your Business Big

Little Things That Cost Your Business Big

How little details could cost your company big money.

If you’re trying to run a company, chances are you miss little details from time to time.  While these small expenses or mistakes may not seem important at that moment, over time they can compound and have a huge financial impact on your business.  Here are some of the most common overlooked details business owners should avoid.

Pay stubs

With the rise of direct deposit and programs that make it easy to automatically pay your employees, it’s easy to forget something as little as a pay stub.  However, it is mandatory by law that each employee receive a pay stub with every pay check.  While failure to provide a complete pay stub results in a fine as little as $50, this fine could add up tremendously.  Imagine that you have 15 employees and you forget to give out a pay stubs one payday.  This little mistake could result in a penalty of $750, and that’s just for a first offense.  A subsequent missed pay stub can result in a $100 penalty.

Phone bills

If your company has relied on the same phone service provider for a long time, there’s a good chance you are overpaying on your phone bill.  Invest the time it takes to compare different providers to ensure that you’re getting the most out of your money.  Alternatively, consider exchanging your phone service for a VoIP (Voice Over IP) service, such as Skype, to save some cash.

Office Perks

While offering your employees coffee and tea is often a necessary expense, make sure that you’re buying these supplies in bulk to get the best deal possible.  This means being vigilant about your supply and planning your shopping trips accordingly.  Sent the intern out on the third emergency coffee run this month?  That Starbucks bill is definitely going to add up!

Keep these small details and expenses in mind and save your business more money every month.  To find out ways you can save on your business insurance, contact the insurance experts at Moser Group Inc. in New York.

24 Aug 2017
Fall Home Maintenance Tips

Home Maintenance Tips to Complete This Fall

Homeowners, prepare your home for the upcoming autumn season. 

While the thought of fall may bring a chill to homeowners, ensuring your property is kept clear of damage in autumn weather is a task to take on now!

As we may well be about to face inclement and adverse weather, spare a thought for your home’s health, and add these tasks to your To Do checklist! 

Exterior Maintenance 

  • Drain sprinkler systems so that the water does not freeze and burst the pipe.
  • Prune shrubs and trees.
  • Remove debris and leaves from gutters and downspouts to prevent ice damage.
  • Inspect the roof for damage or missing slates.
  • Hire a professional to examine and clean the chimney.

Interior Maintenance

  • Tune up the boiler or furnace before turning it on.
  • Caulk doors and windows that are drafty.
  • Test the batteries in your smoke and carbon dioxide alarms.
  • Hire a professional to check your heating system. These systems will use fuel more efficiently, last longer, and have fewer problems if properly serviced.
  • Change the direction of your ceiling fan to create an upward draft that redistributes warm air from the ceiling.
  • Review your homeowners’ insurance.

As you drain your faucets, don’t drain your wallet. Autumn can bring destruction on a home which can take huge expenses to repair and rebuilding. Homeowners insurance is designed to financially aid home repairs after a named peril, such as fire, theft, vandalism, hail, or a natural disaster.

So that your home is protected throughout the fall and year-round, secure reliable insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal insurance needs.

17 Aug 2017
Add-Ons for Auto Insurance

Are Add-Ons for Auto Insurance Worth It?

Does your auto insurance need all of the added bells and whistles?

A typical car insurance policy covers you from having to pay for damages that you cause. However, for truly personalized coverage that protects you from all sorts of accidents and financial hardships, auto insurance add-ons are available. When comparing auto insurance policies and add-on coverage, the cheapest policies tend to be the ones without all of the trimmings. However, motorists should be advocates of getting the right level of coverage at the right price, rather than opting for the cheapest, most minimal policies. After all, insurance protects your wallet in the long run.

Here’s a run-down of the extras most commonly offered, so that you can work out your desired coverage!

Accident forgiveness – For those who are normally a safe driver and rarely file a claim, this is for you! Some insurance companies will provide those who are qualified with forgiveness for accidents that rarely occur.

Small claim forgiveness – Small claims, such as fender benders, can increase your auto insurance rate.  In the spirit of forgiveness, this coverage means that your rate remains the same even if you file a minor claim.

Loss of use – Anyone who has been without their car after an accident knows the frustration of using public transportation and taxis or splurging for a rental car. This coverage reimburses your expenses that you face when your car is getting repaired or replaced.

Personal umbrella – Personal Liability Umbrella insurance supplements the liability coverage you already have on your auto and homeowners policies, providing an extra layer of protection.

Towing & Roadside Assistance – Avoid the heart-sinking feeling of breaking down on the side of the road with no means of help. Your auto insurance policy can provide you with a tow truck that will transport you and your car to a mechanic, locksmith services, jump-start your battery, or deliver you fuel so that you get back on the road quickly.

Rental car reimbursement – If you need a rental vehicle after an accident, your policy can foot the bill of this expense so that you don’t have to be without your car and money!

Extended customized equipment coverage – If your ride has a new stereo system, subwoofer, chrome rims, spinners, or a similar feature, you may not be covered if they’re damaged or stolen. With this coverage, you can protect this equipment!

Talk to your independent insurance agency today to customize your auto insurance policy so that you can cruise the roads, protected! Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

10 Aug 2017
First Home Insurance Policy Affordable

Making Your First Home Insurance Policy Affordable

Buying a home? Don’t lose money with an over-priced home policy.

After an exhausting process of finding the perfect starter home, buying the first homeowners insurance policy that you can find sounds pretty good. While this is tempting, it’s important not to do this.

Home insurance is just as crucial as securing the right mortgage rate! With this coverage, your beloved home and large investment are kept in great shape for years to come. Even though it’s hard to imagine your sparkling new home in disarray in the aftermath of a natural disaster, accidents happen.

If your new hubby or happy family are looking for your first home insurance policy, here are some tips to keep your coverage high and rates low!

Don’t just go for the cheapest policy.
In a ridiculously cheap policy, it’s likely that the coverage will be less than minimal. You’ll need to secure the right amount of protection for the risks to your dwelling, personal belongings, and liability.

Save by bundling your policies.
Many insurers will grant you savings when you purchase multiple policies from them. This way, you can enjoy managing all of your policies under one entity and save money! That’s what we call a win-win.

Understand your coverage limits.
You should always know what exactly is covered in your policy – and what isn’t! If you find gaps in your policy, be sure to call your insurer to learn how you can protect yourself, your finances, and your assets. In many cases, you can increase or decrease your coverage limits, which means that you get the protection levels you want!

Review your credit score.
Not only does a good credit score help you to get a better interest rate on your mortgage, it could also help you to save on your homeowners insurance. If you have less than ideal credit, improve it by spending less, reducing your debt, and paying your bills on time.

Are you ready to secure the right homeowners insurance policy for you and your new home? Contact Moser Group Inc., located in New York, to get started today!

03 Aug 2017
Compare Life Insurance Policies

How to Compare Life Insurance Policies

Compare life insurance policies to find the best coverage for you and your family. 

Like anyone else, you want a life insurance policy that meets your needs and budget. However, a simple search on the web can bring up thousands of results of policies, all seeming so familiar – so where do you start? The key is to know how to compare policies and evaluate the results.

Know What You Need

When purchasing life insurance, the questions isn’t really how much you need, but how much capital your family will need at the time of your death. This depends on two variables:

  • How much will be needed at death to meet immediate obligations? (e.g. uncovered medical bills, funeral costs, outstanding debts, mortgage balance, etc.)
  • How much future income is needed to sustain the household? (e.g. the total “present value” of cash-flow streams your family will need after your death)

Know What You Want

There are different types of life insurance policies to be aware:

Term – This provides life insurance protection for a specific length of time at a fixed rate.

Whole – It is not defined by a specific term length but it pays a guaranteed benefit to your beneficiaries when you die, and generally accrues a cash value over time through interest.

Universal – This is referred to as a flexible premium or adjustable life insurance. This is not limited to a set term.

Once you’ve established what insurance policy that you want, it’s time to search!

Check the Coverage
While you may be tempted to go with the cheapest policy, be aware that it may not provide enough coverage for your family. Do you really want to put them in a financial bind – even after you’ve passed? Talk to a professional insurance expert to find out what life policy is best for you!

For the reliable life insurance policy that you need and deserve, contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.