October 22, 2024
moraisagencyThe Importance of Water Backup Coverage
As a homeowner, you must be aware of many possible incidents that could damage your home and impose extensive financial losses. At times, these issues may arise from your property’s own infrastructure, such as if plumbing backs up and causes water or sewage to seep into your home. These situations can lead to significant health […]
September 20, 2024
AgencyLife Insurance for Business Owners: Protecting Your Legacy
Life insurance is often seen as an investment to help your family and loved ones after you pass away. However, others may also be affected by your absence. If you’re a business owner, the right coverage can be an invaluable investment in the stability and ongoing success of what may be your life’s work. Understanding […]
August 26, 2024
AgencyTrucking Insurance Coverage for Physical Damage—Understanding Your Options
Among the various types of insurance available, physical damage coverage is a key component that can protect your investment in trucks and equipment. Physical damage coverage can be divided into the following main categories: Collision coverage may help pay for damage to your truck resulting from a collision with another vehicle or object, regardless of […]
June 26, 2024
AgencyAuto Insurance for Uber, Lyft, and Delivery Drivers—What You Need to Know
The gig economy has transformed the way we work, offering flexible opportunities to earn money by driving for Uber, Lyft and other delivery platforms. Understanding the nuances of auto insurance for rideshare and delivery drivers is crucial to protecting yourself, your vehicle and your passengers or goods. Understanding Standard Auto Insurance Limitations Standard personal auto […]
May 27, 2024
AgencyThe Benefits of Bundling Boat Insurance With Other Policies
Your boat represents a significant financial investment. Furthermore, captaining your vessel as you explore the waterways of the world may lead to many beautiful memories and cultivate sentimental value. With these things in mind, securing appropriate boat insurance should be a top priority, as such policies can make all the difference in maintaining, repairing or […]
March 25, 2024
moraisagencySmart Home Devices and Home Insurance Discounts
Smart home devices are becoming increasingly prevalent and can offer homeowners a range of conveniences and enhanced security. Beyond the obvious advantages of automation and control, integrating smart home technology can extend its benefits into home insurance, potentially leading to cost savings for homeowners. Homeowners Insurance Discounts for Having Smart Home Devices The following are […]
February 21, 2024
moraisagencyHow to Lower Auto Insurance Rates in New York
Managing auto insurance costs effectively is a priority for many New York drivers. At Paul A Morais in Chester, New York, we specialize in helping clients find ways to reduce their auto insurance rates. Whether you’re looking for competitive car insurance quotes, seeking advice from an experienced auto insurance broker or exploring different auto insurance […]
January 25, 2024
moraisagencyThe Impact of CSA Scores on Commercial Trucking Insurance Rates
In the trucking industry, managing costs effectively is a constant challenge, and one of the less obvious but critical aspects is understanding and controlling compliance, safety and accountability (CSA) scores. These scores, developed by the Federal Motor Carrier Safety Administration (FMCSA), reflect a carrier’s on-road performance and compliance with safety regulations. The Impact of Elevated […]
April 1, 2023
AgencyWelcome to Our New Website
Our dedicated staff of insurance professionals are here to assist you in securing an insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you navigate […]
March 23, 2021
AgencyBoat Insurance
I know I’m not the only one getting excited to be out on the water again . The winter was a long one! I need to take the shrink wrap off, clean the dust off, and get her ready for fishing and boating season. The Boat Insurance I have with Nationwide covered me against damage due […]