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Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

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Hidden Gaps in Your Homeowners Insurance: Are You Really Covered?

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Are you fully aware of what your homeowner’s insurance covers? When the unexpected happens, the last thing you want to discover is that your coverage doesn’t cover or replace the damage. The expert team at Fenzl Insurance Agency serving Hamburg, NY encourages you to review your policy to ensure no hidden gaps leave you financially responsible. Here are some important points to keep in mind:

Natural Disasters May Not Be Included

Standard homeowner’s insurance covers common issues like fire, wind, and hail damage. However, this is not the case with floods, earthquakes, landslides, hurricanes, and wear and tear. These unexpected disasters require separate policies for coverage. Since Hamburg, NY experiences harsh seasonal weather and occasional flooding, you should consider adding these to your policy to provide peace of mind.

Home Insurance May Limit Coverage on Certain Contents

Remember that expensive, valuable belongings like your jewelry, electronics, art, and antiques might not be fully covered. Your homeowner’s policy probably has limits on how much it will cover. Consider raising or itemizing the limits on your policy to ensure they are covered.

Liability Limits May Not Be Sufficient

If someone is injured on your property, your liability insurance coverage helps pay for medical expenses and legal fees. This coverage might not cover costly, serious accidents. Increase your liability limits or add an umbrella policy for coverage.

Contact Fenzl Insurance To Review Your Homeowner’s Policy

Now that you know you might have gaps in your homeowner’s policy, it’s time to understand what is covered and what is not covered. The team at Fenzl Insurance Agency serving Hamburg, NY, is here to help you figure it all out. Contact us today.

Car Insurance Considerations When Moving to a New State

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There are many things to consider when moving to a new state, and car insurance is one of them. If you’re planning a move to the Hamburg, NY area, we’re here to help make your transition as smooth and stress-free as possible. Understanding the right insurance coverage for your vehicle—and what to expect—can help you avoid surprises along the way.

Understand New York’s Insurance Requirements

Each state has different minimum insurance coverage requirements, so it’s important to familiarize yourself with New York’s regulations. Key areas to consider include:

  • Liability Coverage
  • No-Fault (Personal Injury Protection)
  • Uninsured Motorist Coverage

New York mandates these coverages for all drivers. For guidance on meeting the legal requirements, contact Fenzl Insurance Agency.

Consider Weather-Related Coverage

The Hamburg, NY area experiences harsh winters with snow and ice and occasional flooding. Wildlife collisions (especially with deer) are common and can cause significant vehicle damage. Adding comprehensive coverage to your policy can help protect you from weather-related and animal-related accidents.

Know Your Deductible

The cost of vehicle repairs in New York may be higher than in your previous state. Ask your insurance agent about deductible options and what out-of-pocket expenses you might face if your vehicle is damaged.

Get Expert Help from Fenzl Insurance Agency

These considerations should help you feel at ease as you gather insurance quotes. Fenzl Insurance Agency proudly serves the Hamburg, NY, area and would be honored to help you find the right coverage for your vehicle. Call us today for a quote!

Remember to Check Your Policy as You Prepare for the Upcoming Motorcycle Season

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For motorcycle enthusiasts, the end of the riding season can be sad, and the wait for winter to pass can feel endless. However, with the new motorcycle season on the horizon, it’s time to start preparing. Preparation is key, whether that means investing in new gear, scheduling a tune-up for your bike, or checking your motorcycle insurance policy. For motorcycle owners in and around Hamburg, NY, this should also involve reviewing your motorcycle insurance policy with agencies like Fenzl Insurance Agency to ensure everything is in order before you hit the road.

Include Motorcycle Insurance in Your Pre-Season Preparations

As you check your gear and bike, remember to touch base with your insurance agent to ensure you have the correct coverage dates and understand what is or isn’t covered under your policy. This is why motorcycle owners and riders in Hamburg, NY, trust the friendly and experienced team at Fenzl Insurance Agency for the protection they need before they hit the road this motorcycle season.

If you live in the Hamburg, NY area and have questions or need motorcycle insurance for your ride, we’re here to help. Contact us to learn more and schedule an appointment today at Fenzl Insurance Agency for the protection you and your bike need.

Home Insurance Coverage For Winter Ice & Snow Damage

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Harsh winter weather can cause severe damage to homes due to the weight of snow and the intrusion of ice into construction materials. Standard home insurance policies generally cover this type of damage. At Fenzl Insurance Agency in Hamburg, NY, we provide insurance policies to protect our clients’ home investments.

Common Types of Snow & Ice Damage

Heavy snowfall can stress roofing materials significantly, leading to moisture intrusion and potential collapse. Rapid thawing and freezing of water can damage roofs or gutters and cause leaks into the home interiors. Snow buildup on tree branches near the structure can collapse and lead to damage to windows and walls. Rapid melting of snow can overflow the gutter system and cause flooding in the home. Water in pipes can freeze and cause them to burst, leading to moisture damage and mold growth inside the house.

Your Home Insurance Covers the Cost of Snow and Ice Damage Repair

Standard home insurance policies will generally cover these common types of damage caused by severe winter weather events. If you experience damage to your home from snow or ice, contact your insurance agent to learn how to file a claim that can help repair your home and get back in stable condition.

Choose Fenzl Insurance Agency for Your Home Insurance Coverage

Our experienced agents in Hamburg, NY, can answer any questions you have about your home insurance coverage for winter damage. We offer our clients a broad range of insurance products, including flood, condo, renters, auto, business, and life. Contact Fenzl Insurance Agency today for a no-obligation quote on your home insurance coverage to ensure you are prepared for winter’s severe weather.

Does your auto insurance cover a vacation auto rental?

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In New York, drivers must have at least liability insurance to take a vehicle on the road. When you are headed for vacation and need a rental car, you will likely book it online. The questions will start immediately: where, when, and what vehicle is just the beginning. Our team of agents at Fenzl Insurance Agency in Hamburg, NY is here to answer any questions you have about auto insurance coverage.

There isn’t just one answer: "Does your auto insurance cover a vacation auto rental?" The answer is maybe, possibly. It depends on the type of coverage you have on your auto. If you have basic auto insurance, which is liability only, that will not be enough coverage. The rental car company will want you to have coverage on the vehicle. If you have a newer vehicle with an auto loan or a leased vehicle, your coverage should be adequate for the rental company.

Your insurance coverage is good in the United States or Canada but not in Mexico or Europe. The rental company may try to talk you into getting excess liability insurance. This is unnecessary if you feel safe with the amount of coverage you have on your auto policy. They also offer you insurance to cover the car’s contents from theft. This is also unnecessary coverage if you have a home, condo, or rental with insurance coverage. Those types of insurance cover theft.

You should check with your credit card company to see if they offer car rental coverage. This allows them to be the primary coverage on the vehicle.

If you want to renew your auto insurance or have questions, contact our office at Fenzl Insurance Agency in Hamburg, NY.

Do I need motorcycle insurance to drive in the state of New York?

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Many people enjoy riding motorcycles on the streets and local highways. Although not all states require motorcycle owners to carry insurance, most do, and New York is one such state. Our team at Fenzl Insurance Agency is committed to educating and insuring motorcycle owners in Hamburg, NY.

What is Motorcycle Liability Insurance?

Motorcycle liability insurance is similar to auto liability insurance. It provides coverage for other drivers if you’re found at fault for an accident or property damage. This coverage will pay medical bills for anyone who is injured in an accident where you’re at fault. This insurance will also cover any damage you cause to other people’s property while driving your motorcycle. Drivers should be aware that liability coverage isn’t designed to cover your injuries or any damage to your motorcycle or property. It will only cover damage or injuries to other people and their property. Drivers will need to purchase more coverage if they want protection for their potential injuries and damage to their motorcycles.

Do I need motorcycle insurance to drive in the state of New York?

Yes. New York’s state minimum insurance requirements mandate all motorcycle owners to carry liability insurance. Liability insurance provides coverage for bodily injury as well as coverage for property damage for other drivers. Drivers must purchase more insurance to cover damage to their property or motorcycles. Motorcycle owners must also have a motorcycle or Class M/MJ license. New York laws mandate that all motorcycle owners must carry liability coverage as a state minimum requirement. However, motorcycle owners can purchase more coverage for their property and potential personal injuries. If you have questions regarding motorcycle insurance, contact us. Our team at Fenzl Insurance Agency would be happy to answer your questions and explore your options.

How to Protect Your Roof From Ice Dams and Why Its Important

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Winter is steadily approaching, and at Fenzl Insurance Agency in Hamburg, NY, we desire to ensure your roof remains in excellent condition. Learn what triggers the formation of ice dams, and discover how you can help prevent them from occurring on your roof this season.

What Are Ice Dams?

Ice dams occur when the snow on your roof begins to melt due to heat emanating from within your home. As the water trickles down the roof, it encounters colder edges, causing it to refreeze. Over time, these ice dams build up, effectively barring additional meltwater from draining. This water can accumulate under shingles, eventually leaking into attics, walls, and ceilings.

Prevent Ice Dams With Proper Insulation

The secret to thwarting ice dams lies in controlling the flow of heat in the attic. Ensuring sufficient insulation and correct ventilation prevents the snow on the roof from melting initially. Ensure that your attic’s insulation meets or surpasses the recommended R-value for your region. Inspect exhaust fans, soffit vents, and ridge vents to ensure the attic air circulates properly.

Maintain Proper Roofing Materials

Employ architectural shingles infused with weathering granules that resist snow melting. Regularly clear debris from valleys, downspouts, and gutters to allow melting snow to flow freely off. Also, trim any overhanging tree branches that could potentially deposit snow onto your roof. Setting up roof heating cables along susceptible eave edges can aid in managing the formation of ice dams.

Catch Roof Issues Early

Inspect your roof for signs of ice following a snowstorm. Also, indoors, watch for signs of leaks—water stains on ceilings and peeling paint. Addressing these problems swiftly can help minimize costly structural damage in the future.

Be proactive against the threat of ice dams to ensure the safety of your roof. If you require assistance assessing risk or selecting the most suitable homeowners coverage for your home, feel free to contact our team at Fenzl Insurance Agency in Hamburg, NY.

How to Protect Your Hamburg NY Vehicle from Theft, Vandalism, and Natural Disasters

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Driving an automobile in New York means that your vehicle is subject to many common perils, including auto theft, vandalism, and leftover damage from natural disasters like tornadoes.

The insurance experts at Fenzl Insurance Agency offer a few easy-to-follow tips for protecting your auto in Hamburg, NY in the guide below.

Protect Your Auto from Vehicle Theft

If you’re a new driver, you may be unaware of common sense safety tips like never leaving your car unattended for safety and to prevent auto theft.

The following are a few more safety tips to safeguard your vehicle:

  • Always keep your doors and windows locked, even when parked at home in your driveway.
  • Park in well-lit areas to discourage potential car thieves from targeting your vehicle.
  • Install a car alarm and GPS tracking system to deter potential thieves and facilitate easier recovery in the event of a carjacking or auto theft.

Safeguard Your New York Auto from Vandalism

The best way to protect your automobile from vandalism is to park in secure garages or covered parking spaces with visible security. Another little-known trick to help deter potential vandals is to use the legal amount of window tint to obscure the inside of your vehicle from view.

How to Protect Your Vehicle from Natural Disasters

Preparing for severe weather by parking your car in a covered garage is one of the best ways to prevent hail damage or other damage caused by natural disasters. Investing in comprehensive auto insurance can help protect your four-wheeled investment from all the theft, vandalism, and disaster-related scenarios above.

When you’re ready to safeguard your vehicle with comprehensive auto protection, contact a licensed and friendly agent at Fenzl Insurance Agency in Hamburg, NY!

Guide to Safely Hitting the Open Road on Your Motorcycle

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Motorcycle Safety Tips with Fenzl Insurance Agency

As the weather gets warmer, hopping on your motorcycle for a ride can be increasingly tempting. However, before allowing the excitement to take over, it’s crucial to be adequately prepared for your journey. Our team at Fenzl Insurance Agency in Hamburg, NY, would like to share some important safety tips before you hit the road.

Ensure You Have Adequate Insurance

Motorcycle insurance is compulsory by law in New York. If you aren’t covered or it’s been a while since you reviewed your policy, take care of this before riding out of your driveway or parking spot.

Get the Right Protective Gear

A motorcycle helmet is crucial for providing protection in case of an accident and from airborne debris. If your helmet isn’t equipped with eye protection, make sure you add it. Leather riding gear can also offer protection if there is a crash. Remember to bring along rain gear if rain is likely during your ride.

Pack Essential Supplies

Besides rain gear, remember to pack a few critical items, such as:

  • First aid kit
  • Cell phone for emergency use
  • Water and snacks, if you plan on a long ride

Also, keep your identification, emergency contacts, and insurance information on hand in case of an accident.

Conduct a Pre-ride Inspection

For both safety and to abide by the law, inspect the following before you ride:

  • Tire pressure and tread
  • Lights
  • Battery
  • Levels of oil, coolant, and brake fluid
  • Condition of front and rear brakes

Stay Alert and Responsible

Never assume that other drivers on the road are paying attention to you or following the road rules. Stay alert and aware throughout your ride.

Our team at Fenzl Insurance Agency in Hamburg, NY is dedicated to keeping riders both safe and insured. Give us a call or stop by today to ensure you have the protection you need.

Things all new homeowners should know about home insurance

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Buying a new home is one of the highlights of most people’s lives. Your first home is an adventure in so many ways, and you may find that you are woefully ill-prepared to deal with many of the things that more seasoned homeowners take for granted. Knowing about home insurance is one of them. At Fenzl Insurance Agency in Hamburg, NY, we work with our new homeowners to make sure they know more than just the basics about home insurance. 

Home insurance has deductibles.

You are responsible for choosing the deductible you pay for your home insurance. This is not a yearly amount; it is a per-claim amount. The higher the deductible, the better the rate you get, but also the more out-of-pocket expenses you will need to pay.

You have choices of content coverage.

You can choose to cover your content with either the current value or the replacement cost. Current value is what something is worth today with deprecation figured in. Thus, a seven-year-old sofa won’t be worth the same as a one-year-old sofa, and the amount you get will not be enough to replace it.  

Home insurance has limits on certain content.

If you have expensive jewelry, electronics, antiques, art, or an oriental rug, your home insurance policy has limits on how much it will pay and how much cash it will replace. You may want to consider raising your limits if needed. 

Home insurance doesn’t cover everything.

Your home insurance has exclusions. It does not cover flooding or earth movement such as earthquakes, sinkholes, mudslides, landslides, or wear and tear. As a homeowner, it is your responsibility to maintain your home. 

Contact Fenzl Insurance Agency in Hamburg, NY when you have questions or needs for home insurance. 

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