Keep Your Vacation Protected with Recreational Insurance

Recreational vehicles are valuable investments. Whether you have purchased an RV, a fifth wheel trailer, boat, or another vehicle you plan on using during vacation, it is critical to protecting these vehicles. When living around the Ballston Spa, NY area, Zapp Insurance Agency is here to help you out. So protect your upcoming vacation with the right recreational insurance. 

Protect On Route

If you own a boat, you may assume very few accidents happen while on the water. In many ways, this is the case. However, what happens if you’re in an accident driving to the lake? Your regular auto insurance will not protect the recreational vehicle. Due to this, it is critical for you to protect your investment and your vacation plans by taking out recreational insurance. 

Different Rec Insurance For Different Vehicles

Many different vehicles fall under the recreational category. The kind of insurance you take out may differ slightly, and you may even choose to insure it only during the months you’re out and about with it. Whatever the vehicle and whenever you decide to use it, it is important to take out the right recreational insurance for the vehicle. This is why it’s essential to consult insurance providers such as Zapp Insurance Agency. 

No matter the size of your recreational vehicle or the kind of vehicle you own, it’s critical to educate your self on the benefits of a recreational insurance policy. Proper insurance not only safeguards your purchase but it protects your vacation. So whether you’re traveling from Ballston Spa, NY or plan on staying in the area for the summer, Zapp Insurance Agency is here to help protect your vacation plans. If you’re ready to safeguard your vacation, now is the time to give the team a call today. 

Why Should I Get Boat Insurance?

One of the best ways to spend a nice summer day is to be out on a lake or other body of water in your own boat. For those that are in the Ballston Spa, NY area, getting a boat can be very exciting, but it also comes with some additional responsibility. One important thing to consider is whether or not you should get boat insurance. There are several reasons why you should get insurance on your watercraft.  

Protects You From Liability

One of the primary reasons why you should have boat insurance is that it will protect you from liability. Whenever you are out on the water, you are responsible for your boat, your party, and anyone else in the water. If you happen to be found at fault in an accident, the resulting claims could be significant. Your boat insurance policy will provide you with liability insurance protection in these situations.

Protects Your Asset

While having liability coverage is important, you should also make sure that your asset is appropriately covered. Buying a boat is a big financial decision and protecting it with insurance is always a good option. When you have a boat insurance policy in place, you will receive coverage from a variety of losses including boating accidents, vandalism, and even theft. This type of coverage is also almost always required if you have a loan outstanding that is secured by the boat. 

For those that are in the Ballston Spa, NY area, having boat insurance is very important. The Zapp Insurance Agency will help you to get the right boat insurance policy to meet your needs. The Zapp Insurance Agency will be able to help you understand all of your options and help you choose the best policy available for you.

Cleaning Up After the Winter Storms: Can Your Home Insurance Help?

Almost every homeowner in the Clifton Park or Ballston Spa, NY area struggled through the brutal winter storms, with many people suffering from severe tree and home damage. Your home insurance policy from Zapp Insurance Agency might be able to help you defray the cost of cleaning up after mother nature.  What should you do to file a claim?

Take Pictures before the Clean Up

First off, take plenty of pictures of your yard and house before you start picking up the twigs. You need to show the extent of the damage, from broken limbs to smashed windows and destroyed shrubs. Make sure the pictures have date stamps and even include a person in the shot for scale.

Call Your Agent and Talk to Your Neighbors

When the damage spans the property line, you can save money and time by knocking on your neighbor’s door to talk about the damage. Collect their insurance information and provide your own. Don’t talk about who will be footing the bill, leave that uncomfortable discussion to your insurance company.

Next, call your agent at Zapp Insurance Agency to open a claim. They may want to send out an adjuster and will likely ask you to start collecting quotes for tree removal services and home repairs.

Unsafe Branches Threatening Your Home? Don’t Wait for the Adjuster

If your home was damaged, including broken windows, a hole in the roof, damaged siding, etc. it is vitally important that you call to have the home protected from further damage right away. Keep track of your bills and submit them when filing the claim on your home insurance. If you need to seek shelter at a hotel, please keep those receipts. Never wait for a response from your agent before securing the safety of your family, neighbors, and property. 

While your home insurance will defray the costs of cleaning up after the rough winter in Ballston Spa, NY, remember that immediate action will help you recover faster. Reach out to the agents of Zapp Insurance Agency to get a quote on home insurance and get started.

Do You Have to Have Commercial Insurance on a Property You Own Ourtight?

Property insurance is something that can make a huge difference in the way you do business, and that can help you rebuild should something happen to your property. Though you do not have to have property insurance, if you do not have a loan on the property, it is always a good idea to have some insurance policy in place. For those in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you find the policy that is going to work best for you.

When you own a property and have no loans out against it and no mortgage on it, you do not legally have to have any sort of insurance policy in place. That being said, it is never smart to have a business without some insurance policy in place. When you have a business, it is always best to have some insurance to help replace the building or the merchandise if there is a fire or other disaster that otherwise destroys it.

Commercial insurance is also a great way to protect employees and to help pay both damages and medical bills should something happen to them while they are on the job. This type of policy also helps to cover things like damage to property and even theft of merchandise. If you have a loan out on your business, your lender is likely to require some insurance to protect their investment. For those that live in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you tailor the perfect commercial policy for your business and the individual demands of your particular situation.

How To Become Illegible For Classic Car Insurance

Zapp Insurance Agency in Ballston Spa, NY has developed a knack for collectible car insurance. Classic cars are of international interest. Classic cars are determined by judging events. Three organizations, the Antique Automobile Club of America, the Antique and Classic Car Club of Canada, and the Concours d’Elegance of America determine the identity of a classic car.

To be considered a classic car, some experts define a classic to be 1948 and earlier, only a limited number were produced, and the condition it was kept. The twenty to the thirty-year-old vehicle is classified as the "late model" car, with the thirty-year-old car could be considered antique. Each organization has their specific definition of a classic, and there is some disagreement. There is also a category of a "collector car," independent of age, referred to as "milestone" cars, which represents unusual or unique car designs and performance. With this variance of opinion, on what basis does the insurance industry determine the insurance value? 

Classic insurance is different than the conventional auto insurance in that the insurance value is actual cash value. The value of classic cars, which are in excellent condition and stored, could be in the hundreds of thousands of dollars. Insurance companies have used their definitions of non-conventional car insurance and do not adhere to the definitions determined by any organization and vary from state to state. 

The categories of collector car insurance include:

  • classic cars are 19 to 24 years which are restored and in good condition 
  • antique cars at least 25 years old
  • modified car insurance include altered engine and body
  • kit cars and replicas

To be eligible to be considered for collectible car insurance, the car must not be your primary car for driving but can be used for pleasure driving. Further, there are annual maximum mile restrictions. Zapp Insurance Agency in Ballston Spa, NY can help value your collectible car and inform you if your vehicle qualifies. Please call for an appointment!

Recreational Insurance: A Must for Frequent RV Travelers

If you’re a frequent RV traveler, you need comprehensive recreational vehicle (RV) insurance to protect you on the road. Without proper insurance, an unexpected accident could bring your travels to a complete halt. Customized RV insurance from Zapp Insurance Agency will let you enjoy stress-free RV travels around Ballston Spa, NY and beyond. Here are some critical coverage options to consider to get the full protection you need. 

Liability coverage protects you against accidents you cause. If you lose control of your RV while driving on a slippery road and hit another vehicle, your liability coverage will pay for injuries or property damage to others in the accident you cause. The more you drive your RV, the higher the risk of causing an accident. Liability insurance covers expenses to others, so you don’t have to pay out of your pocket.  

You’ll also want to protect your RV against damage or theft when you travel. Comprehensive coverage pays for the cost of repairing your RV if it’s damaged by hail, wind, fire, or vandalism. It also protects you if your RV is stolen in the course of your travels. Collision insurance will pay for repairs to your RV if you collide with another vehicle or object on the road. If you’re a frequent RV traveler, it’s good to have insurance coverage to protect your valuable investment.

Your customized insurance package could also provide such extra coverage as personal effects and roadside assistance. If valuables are stolen from your RV or damaged in an accident, personal effects insurance will cover the cost of their replacement or repair. If your RV develops mechanical issues, roadside assist will help you get back on the road.

The right RV coverage from Zapp Insurance Agency in Ballston Spa, NY will enable you to enjoy smoother, more relaxing RV road trips with your family. Reach out to our agents to learn more.

What Does Boat Insurance Actually Cover

While not all states require boat insurance, it is always a good idea to have it. Boat owners in Saratoga Springs and Ballston Spa, NY are not required by law to have a policy for their boat, but considering the potential dangers, it would be crazy not to at least think about having one. Before you decide if you need a boat insurance it is important to understand what boat insurance actually covers.

Collision damage

Probably the most often used part of boat insurance is collision damage. It covers any damage caused by, you guessed it, collisions. Collisions can range from small bumps when you are hanging out at a sandbar or in the marina, or catastrophic collisions that render the boat irrecoverable.

Property Damage Liability

This will cover any damage that you cause either by accident or because you didn’t pay attention. This can happen quickly. You go to fast into the marina and bump into neighboring boats, or you hit the mooring and something gets damaged. This happens more often than you might think.

Bodily Injury Liability

This will cover any personal injuries that were caused by the usage of your boat. It includes passengers riding with you and people on other boats or in the water. It typically covers hospital bills, pain & suffering, lost wages, and legal expenses.

Comprehensive coverage

This type of coverage includes any damage caused by what the industry calls "acts of God" and non-collision incidents. For example, if your boat is stolen, sinks in a hurricane, is vandalized, or otherwise damaged outside of a collision, this coverage kicks in.

In addition to the above 4 pillars of boat insurance, you can also add a variety of additional insurance options. It is best to discuss your options with an experienced agent from Zapp Insurance Agency covering boat owners in the Saratoga Springs and Ballston Spa, NY area.

For more information, contact Zapp Insurance Agency. Our agents can help get you set up with boat insurance so you are protected on the waterways.

Is Your Homeowner’s Insurance Covering Your Home Adequately?

Your home is a considerable investment, and without the right coverage, you can end up losing everything to one single catastrophe. With the right homeowner’s policy, you can find the coverage that makes you feel safe and secure, and that helps to protect your home at all costs. For those in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you find a home policy that is going to protect your home from attic to crawl space.

For many people, it might seem like the same old policy that you acquired when you first bought your home is plenty and you are going to be fine. However, changes to your home may leave your policy lacking. There are a few different factors that you have to keep in mind to make sure that your policy is covering your home adequately.

A good rule of thumb is to consider any changes you may have made to your home. Improvements change the value of a home and change the overall cost of a home as well, which means you may need more coverage. If you have added rooms, replaced the roof, replaced windows, performed upgrades, and more, your home is likely worth more than your original home owner’s policy states. Another factor to keep in mind is the items within your home. As you add items to your home, you need to remember that your possessions make a difference in the overall amount that you should cover your home.

For those that live in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you find the policy that works best for you. Reach out to our offices to learn more about a homeowners policy and get quotes online by using our online rating tool.

Easy Business Start-up Ideas

Starting your own business is a venture ideal for people who like the ability to travel when they want. It’s an option for those who enjoy being in charge. For many, it’s an opportunity to do what you love or discover what you like to do. At Zapp Insurance Agency, serving Ballston Spa, NY and the surrounding region, we help you achieve whatever business ideas you have.

1. Become a Contractor

You don’t need a ton of money to become a contractor. If you have the skills, even if you learned them from working on your own home, you’re able to start your own business. Because you’re working on other people’s houses and anything could go wrong, you need insurance. So if something were to happen, you’re able to pay for the damage.

2. Photography

If you’re able to take photographs, you may want to purchase a high-quality camera and offer your services as a photographer for special events and occasions such as children’s birthdays. For the cost of a camera and even some props, you could have the beginning of a career. It doesn’t hurt to take courses in photography to truly hone your skills if you’re serious about becoming a photographer. Unfortunately, you could find yourself making one mistake that could upset a client, but if you have insurance, your client will receive compensation, which could avoid a legal issue.

3. Sell Your Baked Goods

If you can bake from scratch, start selling. Just make sure you contact your local government to find out the guidelines you need to follow. You should also get insurance just in case you should happen to undercook a baked good or someone with an allergy files a lawsuit.

If you’re interested in starting your own business and are looking for insurance, contact Zapp Insurance Agency serving Ballston Spa, NY and the surrounding area. To get a quote, call us at 518-306-4632 or stop by our office.

Is Classic Car Insurance the Same as Auto Insurance?

Car insurance is something that we all have trouble figuring out from time to time. With that in mind, it is essential to think about what different types of insurance mean both for our pocketbook and for the everyday use of our cars. For those that live in the Saratoga Springs or the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you determine what type of coverage is best for your car.

For starters, to be able to drive your car on the road legally, you have to have insurance on it. Be it a full coverage policy, liability, or a classic car policy, all vehicles on the road must be insured. That being said, classic car insurance is not the same as standard car insurance. Though they both allow you to drive your car on the road, they have very different connotations and mean different things in the greater scope of car insurance.

The main difference is the cost as determined by the fact that a classic car is not meant to be driven on the road every day. This means that a classic car policy is likely going to cost less than a standard auto policy. As far as classic cars go, for a vehicle to be classified and registered as a classic, you are not meant to drive it on a daily basis, and it has specific purposes such as car shows and parades. Multiple other eligibility requirements must be met. Talk with an agent to find out if you are qualified.

If you are interested in a classic car insurance policy, visit our offices or give us a call to learn how to start today. For those in the Saratoga Springs or Ballston Spa, NY area, the agents with Zapp Insurance Agency can help.