Is Boat Insurance Mandatory?

Boat insurance is something that is helpful, but that may not necessarily be required. Boat insurance does help to cover a huge range of instances that you may not be really all that aware of and it can help you to recover if something happens. For those that live in the Ballston Spa, NY area, Zapp Insurance Agency can help you to get the boat coverage that you need.

In most cases, boat coverage is not required. There are some cases in which boat insurance is required. If you are boating on a private lake or a pay lake for instance it might be required that you have boat insurance in order to be able to boat on the water there. This is a requirement for that particular lake and may not be required for all lakes and for all places that you are going to boat. For the most part, boat insurance is not going to be required for you to be able to boat in public places.

Just because boat insurance is not required does not mean that it is not going to be beneficial for anyone that is going out to go boating. Boat insurance is beneficial for a few different reasons. For starters, if you are in an accident and you are injured, your boat is damaged, or the other boater is injured, you can use your boat insurance to help recover. Boat insurance does help to cover the unexpected and is great if you are boating often and if you are boating where there are a large number of other people and where an accident is not all that out of the realm of possibility. For those that live in the Ballston Spa, NY area, the agents with Zapp Insurance Agency can help you get the coverage you need.

Summer Cleaning Tips for Your Home

One of the smartest moves you can make as a homeowner is to invest in home insurance. Here at Zapp Insurance Agency serving the Ballston Spa, NY area, we’d like to share with you a few more tips for protecting your home and keeping it in great shape. Here is a summer cleaning checklist you can follow to keep your home looking better than ever.

Clean the HVAC Unit

The HVAC unit plays a vital role in the value of your home. It also impacts your comfort. During the summer, this is a great time to have a professional HVAC contractor come in and clean your heating and cooling unit. You can change the air filter yourself, but cleaning the actual HVAC unit should be left in the hands of a professional. Once cleaned, you are likely to notice better heating and cooling efficiency as well as improved indoor comfort and air quality. As far as changing the air filter, this is something you can do once every one to three months.

Pressure Wash Outside of the House

The summer is also a great time to hire a professional pressure washer to clean the outside of your home. Depending on the shape of your home’s roof, you may want to have it pressure washed as well. Something as simple as pressure washing can completely change the looks of your home and have it looking almost brand new.

Contact Zapp Insurance Agency serving the Ballston Spa, NY area today to learn more about protecting your home with insurance. We can also share some other neat tips with you about keeping your home in great shape this summer.

How to Shop for a Home Insurance Quote in a Smart Way

The market for home insurance has never been more competitive. If you are looking for an insurance policy and agency serving the Ballston Spa, NY area, you want to shop for that policy in a smart way.

Use the Competitive Market to Your Advantage

You want to use the competitive market to your advantage. There are a lot of players in the home insurance space. You have a slew of providers to choose from. Many of the providers will offer you insurance policies for your home at various premium rates, with all sorts of coverage variations. Use that competitive market to find the most value in the coverage you buy.

One quick click through on a search engine will reveal a lot of the options available. You can explore everything with a few clicks of a call to the Zapp Insurance Agency.

Use a Trustworthy Agency

A home insurance agent can help you compare and contrast the various providers available. The idea behind the agency is you will have an agent you work with who will talk you through your insurance needs.  

Once you have a grasp of what you need for home insurance, they can go to market with what you seek. As they enter the market, they allow for providers to give you premium offers in exchange for coverages. The goal is to find your value, meet your needs, and make the shopping experience easy.

When the time comes to shop for home insurance, you want to go to a reliable source. There are a lot of options in the state of New York for insurance needs. If you live in the Ballston Spa, NY area, it is the Zapp Insurance Agency who deserves a call to earn your business.

What are the First Things I Should Do for Insurance Purposes if My House Catches Fire?

In the event of a house fire, you will want to immediately secure the property. This means that you will take whichever steps you reasonably can to ensure that you can mitigate damages. This would include actions, such as calling the fire department and turning off the water if your pipes should burst. Afterward, you will likely need to board up your residence to prevent vandalism, possibly install a fence, and monitor activities on site, checking for evidence of tampering or trespassing. 

Report Your Claim as Soon as Possible

The experience of watching your home burn down is no doubt devastating. You will likely be overwhelmed with many tasks, and even in this difficult time, it’s important to call or send an email to your insurance agent the minute you are able. Ballston Spa, NY residents are not required by law to purchase a homeowners insurance policy, though most mortgage lenders will require that you do so. Your indemnification broker will require a ‘proof of loss’ claim, and this gives you the opportunity to list your damaged items and their approximate value. Delaying this vital step will cause you to wait longer to see an adjuster. 

Purchase a three-ring binder to store your receipts, and document your interactions with the insurance company. Save all records of living expenses, such as for a hotel room or apartment, and make sure to keep all original documentation from contractors, permits, and work agreements. 

Zapp Insurance Agency Can Help

Zapp Insurance Agency has experiencing serving the Ballston Spa, NY area and is eager to find the insurance package to meet all your needs. Reach out to us with questions you may have, and we will be happy to answer them. 

Are Bicycles And Other “Toys” Included in My Renters Insurance Policy?

Renters Insurance is that unique branch of insurance that you can add a lot of specific coverage items to it. However, it is also the type of insurance that is very specific. If you own a boat or another toy such as Jet-ski‘s or any other type of watercraft there’s a good chance you will not be keeping it in your apartment. However, if you do have it in your rental home and you want to add it to your renters insurance it is a great idea to document it on your policy. Just to be safe it is the best policy to have separate toy insurance for your recreational vehicles. A bicycle is primarily kept in an apartment or at your rental home and can be a natural part of your renters insurance policy. We do like our toys in Ballston Spa, NY. Great for us and the people who reside in the surrounding areas that we have Zapp Insurance Agency, so that we can learn how to protect them.  

Speak with one of our agents to find out how your renter’s insurance can best benefit your personal lifestyle preferences. Every renter is different so their needs are different in terms of what needs protecting. 

It is always best to stay abreast of the new changing policy when it comes to renters insurance you may not have time in your busy schedule to keep current however the agents at our agency make it their business to know what new innovations are occurring in the insurance arena. And this way you stay ahead of the game and you never find yourself in a position where you are not covered. Ballston Spa, NY is the home of Zapp Insurance Agency. Come in today to find out all we know about renters insurance. 

Bought A New Kitchen. Is It Covered With Home Insurance?

Adding a new kitchen in your home in Ballston Spa, NY can be quite a luxurious thing to do. You may have new materials, state-of-the-art appliances, and much more. However, you have to look at whether it’s covered within your home insurance.

If something were to happen the day after your kitchen is installed, such as a fire, you would only be covered for the value of your home as it is listed in your policy. Adding a kitchen could have added tens of thousands of dollars in value to your home.

At Zapp Insurance Agency LLC, we recommend making updates to your home insurance after any kind of renovation or remodeling project that you do. All of those new materials and appliances need to be taken into consideration. If you don’t make an update, the insurance company would reimburse you based on what they have within the policy, which means you might not have enough to cover the posh new kitchen that you just bought.

Since you never know what could happen and when you need to protect yourself. Home insurance is only as good as what is contained in the policy. That means that you need to make updates to your policy on a regular basis. We suggest updating your policy at least once a year so that you can include new kitchens and other things that you do around the house.

If you ever have to file a claim with the insurance company, you want the reimbursements to reflect reality.

When you make home renovations, call us at Zapp Insurance Agency LLC. One of our independent insurance agents can make sure that you get the coverage that you need. We’ll get quotes and go over coverage levels so you have what is necessary for your home in Ballston Spa, NY.

 

Massage Therapists and Commercial Insurance

There are many massage therapists in Ballston Spa, NY, each of whom needs high-quality commercial insurance. If you’re a beginning massage professional and you don’t understand your insurance needs, let us at Zapp Insurance Agency help you choose the best policy for your needs. 

Why Massage Therapy Insurance is Beneficial

In some states, massage therapy insurance is mandatory, which means you’ll have to buy a policy to get any work. However, some states don’t make these policies a requirement. That said, you should still buy a policy to avoid financial loss due to injury or damage to your business property.

The Main Types of Massage Insurance

Massage therapists typically need three types of insurance policies, including:

  • General Liability – Protects massage therapists from accidents to their clients caused before, during, or after the treatment.
  • Professional Liability – This basic form of liability insurance protects you if you make a mistake that injures a client, such as pressing too hard on a sore area.
  • Business Property Liability – This coverage will protect your office – or your home treatment center – if it is damaged by burns or other types of problems.

These coverage options help to ensure that a massage therapist is protected from multiple types of losses. Business property liability will extend to items, such as your message board if you are a traveling or on-call massage therapist.

What Commercial Insurance Covers

Massage therapists who get commercial insurance protect themselves from:

  • Medical payments
  • Punitive damages
  • Legal fees in lawsuits
  • Lost income
  • Damage to their building
  • Equipment damage
  • Legal fees

Therefore, any massage therapist in Ballston Spa, NY should contact us at Zapp Insurance Agency to learn more about their commercial insurance options. Our agents will work hard to identify the best possible coverage for your needs.

Why You Need Classic Car Insurance

There’s nothing like a classic car. The way the steering wheel feels. The smell unlike anything a new car is able to produce. There’s just an entirely different experience of driving when you’re in a classic car. Regardless of your classic make or model though you do need to invest in the right classic car insurance. Classic car insurance is different from regular insurance, so if you live in or around the Ballston Spa, NY area, Zapp Insurance Agency can help you with your classic car insurance needs. 

Your Classic Car Has Different Needs

Your classic car has different needs than a regular vehicle. First, the replacement parts are likely no longer produced by the manufacturer, so you need to obtain replacement parts either from other classics, or the parts need to be custom built. 

Beyond this, though you also likely don’t drive your vehicle very much. You might only put a few hundred miles (if that) on the vehicle. This needs to be kept in mind when selecting the right car insurance. Classic car insurance takes all of these variables into consideration when selecting the right kind of insurance coverage for your vehicle. This is exactly why you need to have a different kind of car insurance when you drive any kind of classic vehicle, no matter how often you drive it. 

Your classic car is one of a kind. It deserves to have one of a kind insurance. Because your vehicle takes special parts for repairs and as you don’t drive the car all that often, you need a different kind of insurance that covers everything, and yet keeps in mind just how often you drive it. When you live in or around the greater Ballston Spa, NY area, the team at Zapp Insurance Agency can help.

Why Your Recreational Vehicle Requires More than Basic Auto Insurance

Many people in and around Ballston Spa, NY make use of recreational vehicles of all types. These vehicles and vehicle configurations often require more coverage than basic auto insurance offers. The Zapp Insurance Agency covers RVs. Here’s what you should know about choosing a policy for your current or future RV.

RV Class Matters

The term “RV” can actually encompass many different types of recreational vehicles. That’s why RVs often come with class designations to help differentiate them. Different classes of RVs come with different insurance requirements.

  • Class A consists of motorhomes
  • Class B consists of campervans
  • Class C consists of trailers

These definitions are loose and can vary depending on your RV configuration. However, each class comes with different insurance concerns beyond the purview of basic auto insurance.

RV Usage Matters

You can add RV insurance to your basic auto insurance, but you may also require special insurance depending on your RV activities. Often, you will find that RV coverage depends on whether you use your RV full-time or part-time.

If you live out of your RV, your insurance concerns aren’t like those of someone who only takes their RV out for the occasional camping trip. Equally, living in an RV at a site and living in an RV on the road are two different things.

 

RV Insurance Options Matter

Your RV insurance options depend heavily on your individual needs. Auto insurance is a necessity for operating an RV, but RV-specific insurance has more to do with protecting your belongings and vehicle from dangers that can affect the typical home.

For example, you’ll want to have some protection for your personal belongings against theft, fire, and other forms of loss and damage. You may also need liability insurance to help cover you if someone sustains an injury while inside or outside your RV.

Because of the many variables involved, you should work out which RV insurance options in and around Ballston Spa, NY will suit you best. Speak with a professional and knowledgeable Zapp Insurance Agency agent about finding the right RV options for you today.

What Does A Boat Insurance Cover?

Boat insurance is a confusing topic in insurance. Many boat owners wonder if they really need boat insurance for their vessels. Sometimes, your homeowners’ insurance policy intersects with your boat insurance. However, the coverage for your boat is very limited under your home insurance and often not enough. You need a separate insurance policy for your boat. But what is boat insurance really about? What does boat insurance really cover?

What’s Covered Under Boat Insurance?

These are some of the most common questions among boat owners in New York. Boat insurance provides coverage in the event of loss or damage to your vessel. Most watercrafts with motors, including yachts, leisure crafts, paddle boats, pontoon boats, and fishing boats need boat insurance. In most cases, boat insurance doesn’t cover personal watercraft (PWC), kayaks, and canoes. If you are looking for boat insurance in Ballston Spa, NY, Zapp Insurance Agency can help you get the coverage you need.

Coverage Options

Boat insurance will cover your watercraft if it’s stolen or damaged. If you damage someone’s property or cause injury with your boat by accident, your boat insurance coverage will help cover the loss. Below are some of the coverages included in a standard boat insurance policy.

  • Bodily Injury Liability. It covers injuries caused to other people by accident. It pays for medical bills, compensation for pain and suffering, loss of income, etc.
  • Property Damage Liability. Pays for damages caused to other people’s property including other boats and structures such as docks.
  • Collision and Comprehensive. Covers damage from accidents with other boats, theft, fire, and natural disasters.

There are additional coverage options to consider when it comes to boat insurance. These include uninsured or underinsured protection, oil spills, fishing equipment, and medical payment. If you are looking for boat insurance in Ballston Spa NY,  Zapp Insurance Agency is the place to go. Give us a call if you need more information on offered boat insurance coverages.