When Does A Recreational Vehicle Need To Be Insured?

When it comes to recreational vehicles in Ballston Spa, NY, whether we’re talking boats or RVs, the question of insurance comes down to this: Does it have a motor in it?

If it has a motor, you need to call Zapp Insurance Agency and get it covered. If it doesn’t have a motor, you’re not required to carry insurance. That said, it may be foolish to go without in some instances. A $200,000 sailboat might not require insurance, but you’d be crazy to set sail in something like that without some protection. Anything can happen out on the open waters, after all.

The same goes for campers and motorhomes. If you pull your camper with a truck, it doesn’t need to be insured. If you drive a motorhome, then that has an engine in it and needs liability insurance.

There is some gray area here when it comes to things like four-wheelers and dirtbikes. These are a type of recreational vehicle, but if they’re only operated on private property, and not on roads, then you might not need to carry insurance on them. Again, this can be a matter of personal discretion. You might not feel safe driving an $8,000 dirtbike without coverage, but as long as it is not equipped for roads and streets, and you do not take it off of the private property, you’re not legally required to carry insurance. It might be a good idea, but it’s not technically required by law.

If you’re looking to get your RV, bike, boat, or whatever it is you ride for fun in Ballston Spa, NY covered, give a call to Zapp Insurance Agency and see what they can do for you.

Homeowner’s Insurance Policy — What is Not Covered?

The insurance industry can sometimes be a bit tricky to navigate. Fortunately, there are licensed insurance professionals that serve Ballston Spa, NY neighborhoods and surrounding towns/cities–ready to assist homeowners with their insurance needs and questions.

One such company, Zapp Insurance Agency, offers professional insurance guidance for homeowners who reside in and around the Ballston Spa, NY area. One of the more important things to understand about any insurance policy is what will NOT be covered by the policy.

Each policy can vary by state (and the relevant policy/endorsements included); however, homeowner’s insurance policies typically exclude the following losses-

Flood Damage — flood losses are insured by FEMA, through the government’s National Flood Insurance Program (NFIP). However, Zapp Insurance can help you with these flood insurance policies.

Repeated Water Leakageslow leaks are typically covered only by an added endorsement.

Sewer/Drain Back-up some policies will cover the loss if the drain was on the property, but not from down the road.

A Frozen Plumbing/Heating Systemwhile most quality insurance policies generally cover this, the coverage does obligate the homeowner to proactively avoid the freezing of any system. For example, if you leave your home for a 10-day vacation in the winter and turn off the heat while you are gone — if the pipes freeze, it would not be a covered loss. 

Mold & Microbes mold is generally covered, if it happens on the property and can be sourced to a sudden/accidental water discharge. Many policies have time limits that require the reporting of the loss — if it is hidden behind a wall, or within a rarely used closet.

Do you have any homeowner’s insurance questions that can be answered by the insurance professionals at Zapp Insurance Agency? Reach out to us today.

5 Tips for Getting the Most Out of Your Commercial Insurance

It doesn’t matter if you’re just starting out with your business or you are changing insurance providers, it’s important to pay attention to the details before you sign up. Buying commercial insurance doesn’t have to be a headache, especially with the help of an agent from Zapp Insurance Agency of Ballston Spa, NY. Here are 5 ways you can make sure you’re getting the best insurance policy for your situation.

Liability Insurance Is Key

You’ll want to get liability insurance coverage, regardless of the type of company you have. It will cover your business in a broad sense against claims of negligence, injuries, and accidents. Check with your insurance provider that the amount of coverage is in line with your business’ level of risk.

Auto Insurance for Company Vehicles

If you have vehicles that you use for business purposes, it’s in your best interest to have commercial auto insurance on them. It will cover the cost of an accident if you or an employee are found to be at fault.

Workers’ Compensation

This should be set up to serve as protection in case a full-time employee becomes ill or injured and it’s deemed to be related to their work activities. It usually covers the person’s lost wages, medical treatment, any disability benefits they may need to get, and legal fees if the individual or their family decides to sue.

Data Breach Insurance

This is ideal if you keep or work with customers’ sensitive information. It can help you protect against an electronic or physical breach of information. Small and medium-sized businesses are increasingly being made targets of hackers, so don’t overlook this when you’re putting together your policy.

Go Through a Small Insurance Firm

A smaller firm will be better at discussing your needs and anticipating anything that you haven’t considered. It’s always good to run through any potential circumstances that your company is at risk of and will need insurance coverage to protect against.  Zapp Insurance Agency of Ballston Spa, NY will help you figure out the types of insurance your company needs.

What Types Of Vehicles Require Classic Car Insurance?

Most people know that you must have liability insurance for your car to be legally on the road. People who have older cars, choose to carry liability insurance only in many cases to save money. However, if your car is a classic or antique, you may be wondering if you need classic car insurance instead?

Classic Car Insurance

If you have a vehicle that is worth a significant amount more than other models like it on the road, has been restored, and meets certain guidelines related to the amount it’s driven and how it is stored, classic car insurance may be a good choice. Unlike traditional auto insurance, classic car insurance tends to be cheaper and pays out the guaranteed value of the vehicle after it has been appraised or investigated by the underwriter. An agreed-upon amount will be paid out if a covered event occurs. Keep in mind that there are specific limitations to be aware of before making a selection.

Getting Top Coverage

The best way to protect a classic car is by acquiring quality insurance products. When you begin shopping for a policy, make sure to work with an insurance agency that has experience in this area. The agent should be able to tell the client if they qualify for certain policies and outline the terms and conditions clearly to help avoid coverage issues if there is a claim. Additionally, make sure you have an appraisal or meet with an underwriting agent who can determine the value of the vehicles and then help determine the agreed-upon amount of coverage. An excellent insurance agency to work with when exploring classic car insurance options is Zapp Insurance Agency. They proudly serve the residents of Ballston Spa, NY who are in need of top insurance products.

If you are searching for classic car insurance, call or stop by Zapp Insurance Agency, serving the residents of Ballston Spa, NY. Protect the things that matter to you with superior insurance options. 

3 Benefits of Having a Home Security System

Keeping your home secure and your family safe are priorities. If you live in Ballston Spa, NY and have questions about what type of home security system would work best in your home, call the agents of Zapp Insurance Agency. They understand your concerns and can offer sound advice in terms of what type of security system will be most beneficial for your home. There are several options to choose from.

Video Recording and Surveillance

Most home security companies offer video cameras that record or stream live video. Many surveillance cameras can also capture still images. Having the option for cloud storage will allow you to store your video and images for several days. Cameras can connect to the app you download to your phone.

Professional Monitoring Is Optional

Do-it-yourself home security systems are popular with homeowners who prefer to monitor their own systems. Most do offer the option of professional 24/7 monitoring by a third-party monitoring center. A third-party monitoring center is set up o monitor your system at all times and notify the authorities in the event of an emergency.

Convenient App for Remote Access

The more popular home security systems offer an app that you can download to your phone. By using the app, you can connect to your system from almost anywhere and view what is going on around your home.

At Zapp Insurance Agency, agents understand your need to feel secure in your own home. They can assist homeowners who live in the Ballston Spa, NY area and help them find the right home security system so they feel safe and secure at all times. Call and speak to one of their reputable agents today!

Commercial Insurance For Sole Proprietor Businesses

There are many types of businesses – even in a village like Ballston Spa, NY – each with their own unique challenges. Even a sole proprietor venture has risks that other businesses do not. Zapp Insurance Agency wants to make sure our local business owners understand the hazards associated with running your business alone, and how commercial insurance can protect the future of your operations.

What Is A Sole Proprietor Business?

When starting a small business, a sole proprietorship is a most common and relatively simple way to go. Sole proprietorship entitles you alone to the profits from your business. This also means you are responsible for losses, debts, and liabilities laid upon your business. Since this business does not incorporate you, the law does not distinguish between you and your business.

Why Do I Need Commercial Insurance For Sole Proprietorship?

Total control of your business can be burdensome. As a sole proprietor, you will be personally liable for your business and that means that your private assets could be at risk to cover damages you’re found responsible for. For example, if you accidentally damage a customer’s property and you do not have commercial insurance coverage then the resulting settlement could come from your personal savings or assets such as your car or house. 

What Kind Of Insurance Is Available For My Business?

Most small businesses need general liability insurance. This covers common risks such as accidental damage, bodily damage, and personal injury (such as slander and libel). Depending on your type of business, consider additional coverage for automobiles used in the operation of your business.

Whether you’re just starting a business or looking to insure an existing sole proprietorship in Ballston, Spa NY, let Zapp Insurance Agency find the right commercial insurance for you today!

How Do I Determine the Value of My Classic Car?

The agents of Zapp Insurance Agency understand the connection classic car enthusiasts have with their favorite automobiles. In Ballston Spa, NY, agents work with their clients to help them find an appropriate value for their classic cars once they have been fully restored. The actual value of the car is often nowhere near the sentimental value so it’s important to know how to obtain an accurate figure for insurance purposes.

Compare to Other Vehicles

One of the best ways to estimate the value of a classic car is to compare it to other cars of the same make, model, and year that have undergone the same restoration processes. This will only provide an estimation but may be more accurate than counting receipts or checking with Kelly Blue Book values.

Talk to an Appraiser Who Works With Classic Cars

Another option is to call an appraiser who works with classic or antique cars. They understand how to rate workmanship and also how to compare numbers throughout the vehicle to ensure all of the parts would have been used in the original car when it was first manufactured. An appraiser’s estimate will be more accurate than a comparison because they understand what to look for in terms of value and quality.

If you live in Ballston Spa, NY and have questions about your classic car’s value, call the agents of Zapp Insurance Agency. The agents understand how important a classic car can be, especially if it is rated as vintage or antique. Call the office today and schedule a meeting with one of the agents to get the answers you are looking for.

Why You Should Max Out Your Recreational Insurance Coverage

Zapp Insurance Agency serves Ballston Spa, NY with coverage for all of your recreational vehicles including all classes of motor homes, many types of boats and watercraft, and many types of off-road vehicles. We want you to be able to have a blast when you are enjoying your time out in the wild, so we urge you to go with full coverage.

Reasons to Go Full Coverage When it Comes to Recreational Vehicle Insurance

  • The risk is greater than in your daily driver. You will likely be going into areas with your off-road recreational vehicle, boat, or even RV that you would not take the family sedan. Negate some of your risk with maximum insurance.
  • You want to be able to sit back and relax, not to stress about what may go wrong during your downtime. If you are stressing about a flat tire, a dent that was not your fault or even damage that was your fault then you cannot fully enjoy your time. Full coverage plus add-ons like roadside assistance and boaters assistance can help keep your mind free to wander. 
  • The price difference for full coverage and bare minimum does not justify not upgrading in most cases. Each situation is different but the first time you have to use your insurance it will likely balance out in more ways than monetary. 

Contact us at Zapp Insurance Agency to discuss your recreational insurance before your next trip. We can quote a plan that fits your specific needs as you travel around and out of Ballston Spa, NY in your favorite recreational vehicle. Go, have fun and explore the country knowing that we will have your back if things go awry. 

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.