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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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What are the most common myths about auto insurance?

How frustrating shopping for auto insurance can be! People share their stories about auto insurance, and it is hard to tell what is true and what is false. Let’s discuss the most common auto insurance myths and debunk them together. 

Myth 1: Insuring red cars is more expensive than vehicles of other colors. 

Do you believe in that? This is fiction. Auto insurance is absolutely color-blind. What does it mean? It means that other factors affect the price of auto insurance rather than a vehicle’s color. 

Myth 2: Receiving a traffic ticket makes insurance more expensive

Yes, your insurance can become more expensive because of a traffic ticket. However, your premium won’t be affected if your violation is minor. Also, some driving schools offer classes to reduce the number of points on the license and lower your premium. You should remember, though, that if you have multiple or severe violations, the price of your coverage might change. 

Myth 3: Comprehensive coverage will cover any damage

No, it will not. It covers things not covered by other insurance types, including uninsured motorists or collisions. You should have comprehensive coverage for fire, flood, or a collision with an animal. 

There are three common misconceptions about auto insurance. Of course, there are more myths about it. Therefore, it is important to talk to different insurance companies and ask them any questions you have. If you are looking for an auto insurance policy in Albany, NY, or any other town in New York, contact the NY Twin Bridges Insurance Agency. Our team is always here for you and is ready to assist. 

Home insurance in 2024: FAQs

If you become a homeowner in 2024, you will also probably consider getting home insurance. While you may know the basics of this insurance type, there might be certain questions you want to ask. In this blog post, you will find the answers to the most common questions about homeowners insurance in 2024: 

Is it really necessary to carry homeowners insurance?

The simple answer is yes. Why is it so important? Home insurance is the most efficient protection against different risks that most homeowners have to deal with. For example, if a hurricane damages your home or someone gets injured while visiting your house, home insurance will cover it. Also, most mortgage lenders require homebuyers to have home insurance. 

What does a typical home insurance policy cover?

Every home insurance policy is individualized and matches the needs of a policyholder. However, the typical homeowner’s insurance policy covers the structure of a home, personal belongings, other structures on the property, and additional living expenses if a home becomes unlivable. 

Does home insurance cover a home business?

Usually, it is not covered. Therefore, if you run a business from home, you will most likely have to purchase a separate business insurance policy. 

Are you a resident of New York and live in Albany, NY, or a nearby area? Are you thinking of getting a home insurance plan? Go ahead and reach out to NY Twin Bridges Insurance Agency. We are an experienced team of professionals specializing in all types of insurance, including homeowners insurance. We work with clients in Albany, NY, and other nearby areas, and our mission is to help you get the perfect insurance plan.