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.

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.

Does Home Insurance Cover Vandalism?

As a homeowner, there are a variety of events that could threaten the home you live in. The right type and amount of home coverage is your best defense against these threats. For instance, if your home has been targeted by vandals and receives damage, is your insurance policy going to cover the cost of repairs? Knowing the answer to these types of questions helps you purchase the right insurance to protect you in the future.

Vandalism and Home Insurance

In most cases, your home insurance policy will cover damage from vandalism. Some policies may have a limit to the amount of damage they will cover. If you already have coverage in place, but you feel that it isn’t enough, you may have to rethink your insurance policy or add additional coverage. Always ask about the terms and conditions before making your purchase so you can get the right coverage initially. If you are a victim of vandalism, make sure to take photos of the damage and get a police report to make submitting a claim faster.

Protection for Your Home

Your home is a major investment, so you need to protect that investment with high-quality insurance. If you are considering purchasing home insurance if you live in or near the Ballston Spa, NY area, consult Zapp Insurance Agency first before you make a decision. They can guide you in the right direction so you are covered from events such as vandalism. They will discuss the terms of the policy in detail so you know what to expect.

Don’t leave your home at risk when it comes to damage such as vandalism. Get insurance you can count on if you live in or near the Ballston Spa, NY area when you work with Zapp Insurance Agency. 

Why You Need to Have Commercial Insurance

As a small business owner or business manager, there are many important decisions that need to be made regularly. One decision is whether or not to get a quality commercial insurance policy. There are several reasons why you need to have a commercial insurance policy in place to protect your business. 

Protect Against Liability

One of the main reasons why you need to have commercial insurance is that it will help to protect you and your business against liability. Whenever you provide your product or service to a customer or client, you are taking on some form of professional liability. If something bad happens, your business could be found liable and could face a tough judgment. When you have a commercial insurance policy in place, you will receive protection against this risk.

Law Requires It

While it is always a good idea to carry a commercial insurance policy, it is also a requirement by law in some situations. Commercial insurance policies will often include a workers compensation component. For business owners that are in the Ballston Spa, NY area, staying in compliance with the New York workers compensation law is important. Those that do not have this coverage could end up facing still penalties from the state. This type of coverage will also provide you with great financial protection in the event an employee is injured while at work and you are determined to be liable.

When you are looking for ways to better protect your Ballston Spa, NY area business, one of the best things that you could do would be to contact the Zapp Insurance Agency. When you work with the Zapp Insurance Agency, you can be assured that you will receive the coverage that you need to properly protect your business.


Tips for Taking Care of Your Classic Car in New York

When it comes to your classic car, you, of course, want to do all you can to preserve the vehicle to your utmost ability. To do this, you must take certain steps, like garaging it. For now, the Zapp Insurance Agency, serving Ballston Spa, NY, would like to share a few tips you can put into action to make sure you protect your classic car properly. 

Garage Your Classic Car

As we mentioned above, the number one thing you can do to make sure you give your classic car the care it deserves is to keep it in a garage where it is safe and secure from thieves and harsh weather elements. Classic cars tend to have intricate and special paint jobs, and you want to do all you can to make sure the paint is not faded by the sun or damaged by rain, wind, or hail. Ideally, your garage where you store the car is going to be locked at all time to help prevent thieves from breaking in and stealing or damaging your vehicle. 

Don’t Empty the Gas Tank

A lot of people think emptying the gas tank when the car is going to set for a long period of time is the best thing to do. What they don’t realize, though, is it’s impossible to empty all of the gas, which causes gum and varnish to build up in the fuel system, which has the potential of damaging the fuel pump. To combat this issue, simply put a bottle of fuel stabilizer in the gas tank, fill the car up with gas, drive around for about 15 minutes, and then park the car. 

Another excellent way to give your classic car the care it deserves is to buy a classic car insurance policy. To learn more, contact the Zapp Insurance Agency, serving Clifton Park and Ballston Spa, NY, today.