Do I need special auto insurance if I live in New York but commute by car to my work in another state?

Posted on May 30, 2025May 28, 2025 by admin

Port Jervis, NY, is a unique community that straddles the borders of three states: New York, Pennsylvania, and New Jersey. The insurance agents at Worthington Carroll Agency understand that many of their clients travel frequently between states. Your auto insurance must meet the requirements of each state, which vary by state.

Commuting to a Job in Another State

If you are an existing client of Worthington Carroll Agency in Port Jervis, NY, and you secure a new job that requires a commute across state lines, you’ll want to inform your insurance agent about the change. They will inquire about the daily commute miles and how your vehicle will be parked at your new work site.

Using Your Vehicle for Work

There’s a difference between driving a vehicle to commute to work and using your vehicle as part of your work. If you’re an outside salesperson and regularly use your vehicle to drive to your customer’s place of business, this may be considered commercial use of your vehicle, and you may require commercial auto insurance.

Furthermore, if you use your vehicle to transport goods or people as a service, you may need commercial auto insurance. It’s also important to explain any use of your car for group transport.

Obtain an Insurance Quote Tailored to Your Needs

Each circumstance may be different, and the best approach is to discuss with your agent at Worthington Carroll Agency in Port Jervis, NY, how you’ll use your vehicle and discuss the coverage you may need. Contact them to get a quote, and remember to stay in touch with your agent if your needs change.

Does Home Insurance Cover Hail Damage?

Posted on April 30, 2025April 29, 2025 by admin

Your home insurance is a crucial tool for repairing your home in the event of a covered loss. If you live in an area that’s been affected by hail, your home insurance policy may be more important than ever.

Knowing what your home insurance policy covers can help. The professionals at Worthington Carroll Agency, servicing Port Jervis, NY, are here to help you determine what your home insurance policy covers. Call today to learn more.

What Does Home Insurance Cover? Is Hail Damage Included?

Every home insurance policy is different, but most cover hail damage, minus your deductible. To find out whether your home insurance policy covers hail, read your policy.

If you don’t have a copy of your policy, contact your home insurance agent. We’ll be happy to help you obtain a copy of your policy. If you have questions about your policy, including what is covered and what isn’t, we can help.

If My Home Were Damaged By Hail, What Should I Do?

If your home was damaged by hail, contact your home insurance agent. Your home insurance agent can help you get started with an insurance claim. Here are some tips for filing a home insurance claim:

Call your insurance agent as soon as you can safely do so.
Don’t make repairs to your home until you’ve taken pictures and spoken to your insurance agent.

Have Questions About Your Home Insurance? Call Today

The professionals at Worthington Carroll Agency, servicing Port Jervis, NY, are here to help you understand your home insurance policy. We’re experts in home insurance and other types of insurance.

We work with many insurance carriers to help our customers find the right home insurance policy for their needs. Call today to get started with a claim or ask questions about your policy.

Umbrella Insurance: How It Protects You From Danger

Posted on March 28, 2025March 26, 2025 by admin

Worthington Carroll Agency has seen far too many Port Jervis, NY business owners skip umbrella insurance and get into real trouble later. Do you need this type of protection? Before deciding, let’s delve deeper into this insurance type to determine whether it makes sense for you.

What Is Umbrella Insurance?

Umbrella insurance offers expanded (like an umbrella, hint hint) protection that extends your liability protection beyond its initial scope. All general liability ends at a specific point, after which you must pay. To help with this issue, umbrella policies expand your protection even further.

How Does It Help You?

Let’s say your product seriously injures one of your customers. They sue you and win. Normally, your liability policy would cover all these expenses. But let’s say they sue you for more money than your standard protection pays out. What happens now? Expect to pay the rest out of your pocket.

But what if you have umbrella protection? It will kick in (to an agreed-upon level) to make up the difference! Typically, these policies include much, much higher payouts than standard liability. Just how much? That depends on your company, your provider, and your specific policy.

You know what’s even better? Umbrella policies cover things that your liability may not, such as libel, slander, invasion of privacy, and other issues. As a result, you must research umbrella insurance seriously with us! We make this process easier and will work with you to ensure a smooth purchase.

Most Businesses Need Umbrella Policies

Our team at Worthington Carroll Agency can help you identify umbrella insurance policies that fit your budget. So, if you’re a Port Jervis, NY company looking to expand your protection, reach out to us today. We’ll work directly with you and your accountant to find high-quality support.

Flood Restoration for Residential Property – Insurance Guidelines

Posted on February 28, 2025February 25, 2025 by admin

Are you aware of the flood restoration processes that your insurance policy covers? Review some basic information that will guide you in addressing the aftermath of a flood.

Flood Insurance Coverage

Residential flood coverage protects the land that you own. It also protects any insured structures on the land. You may have decided to insure your home, detached structures, and landscaping materials. Any items that are listed in your policy will be eligible for restoration services.

Your insurance policy will highlight the cap amount that your residential flood insurance policy covers. The restoration materials that are needed must not exceed this amount. If the expenses are higher than your policy’s coverage, you are responsible for paying the excess costs.

Flood Restoration Services

After flooding occurs, you will need to file an insurance claim. The claim approval process may take some time. If your claim is approved, you will find out which restoration services are available.

Removing standing water is one of the first restoration processes to be completed. Removing the standing water will allow the restoration team to access your property safely. Decontamination steps will be conducted. These steps will eliminate germs from surfaces that come into contact with rising water.

A team of flood restoration specialists will use cleaning and drying techniques to restore the condition of surfaces affected by the flood. At the end of the restoration project, your property and home will be inspected.

A Consultation About Flood Coverage

Would you like more information about flood coverage and restoration services? Contact one of our agents at Worthington Carroll Agency. An agent serving Port Jervis, NY, can discuss any inquiries you have about your flood insurance policy.

From Legal Compliance to Business Partnerships Commercial Insurance Matters

Posted on January 31, 2025January 29, 2025 by admin

Owning a business, regardless of industry, size, or type, is a significant responsibility. One of the main concerns for business owners is the need to protect their companies, which is one of the primary reasons they opt for commercial insurance. For all their commercial insurance questions and needs, business owners in and around the Port Jervis, NY, area turn to the experienced and professional team at the Worthington Carroll Agency.

Commercial Insurance: From Legal Compliance to Business Partnerships

Beyond the benefits and protection that commercial insurance offers, there are many other reasons why business owners may want or need commercial insurance for their companies. In many lines of work, such as contracting or service-related industries, commercial insurance can often be an industry compliance issue or a selling point. That’s why company owners choose to work with knowledgeable and experienced agents like the helpful Worthington Carroll Agency team: Commercial insurance can make a difference in protecting companies and their profits.

Commercial Insurance Solutions for Port Jervis, NY Area Business Owners

If you own a business in or around the Port Jervis, NY area and have questions or need commercial insurance solutions for your company, we can help. Contact us to find out more and schedule an appointment today for the protection and benefits that commercial insurance can provide and that your business needs at the Worthington Carroll Agency. Yes, owning a business is a big job, but commercial insurance can help and make a difference.

Should I Get Liability Only Auto Insurance? Or More Coverage?

Posted on December 24, 2024December 23, 2024 by admin

Most states require drivers to have car insurance. So, if you own a car, you’ll need to have car insurance. Whether you’re buying a car or switching car insurance policies, there are several types of car insurance that you may be considering.

Liability-only car insurance is a common type of policy that car owners opt for when they want a low-cost policy that complies with car insurance laws. At Worthington Carroll Agency, servicing Port Jervis, NY, we can help you find the right policy for your needs.

Defining Liability Only Insurance

Liability-only car insurance is a type of car insurance policy that only pays to repair or replace the other driver’s vehicle in the event that you cause a collision. It is the most basic type of insurance that car owners can have. Liability-only car insurance complies with laws and helps protect other drivers on the road, but it does not pay to repair or replace your vehicle if something happens to it.

Comparing Liability Only Insurance with Other Types of Insurance

Many other types of car insurance will pay to repair or replace your vehicle under certain circumstances. For example, comprehensive coverage will pay to repair or replace your vehicle if it is damaged or lost in certain events, such as car theft or fire. Collision insurance will pay to repair or replace your vehicle if it is damaged in a collision – even if you caused the collision.

Need Auto Insurance Coverage? Contact Us Today

If you need liability-only car insurance or another type of car insurance, the professionals at Worthington Carroll Agency, serving Port Jervis, NY, can help. We work with many carriers to help our customers find the right policies for their needs.

How to Create and Maintain an Effective Home Inventory

Posted on November 26, 2024November 25, 2024 by admin

Creating and maintaining a home inventory is not easy, but it is far easier than creating one from scratch after a fire or significant loss. The key to creating a home inventory is to create a plan that breaks the process into manageable chunks and then execute the plan step by step. If you need home insurance that suits your needs, contact the Worthington Carroll Agency, serving Port Jervis, NY.

Creating Your Home Inventory

A home inventory following a significant loss allows for a faster, more accurate insurance settlement. You have detailed documentation of the lost items, eliminating guesswork and the impact of poor memory, allowing you to recover from the loss financially. You can create a home inventory using a spreadsheet or app in combination with photos, videos, and saved receipts. Whatever tools you use, you must store your inventory or back it up at a location other than your home.

Here are some critical steps for creating and managing your inventory.

Create a plan. Many people organize their inventory by room to facilitate video recording of their possessions. Organize your images, receipts, and appraisals using the same method.
Big-ticket items. Document big-ticket items first, including serial numbers, and less valuable items in groups, such as "5 pairs of shoes."
Regular updates. Inventory significant new purchases immediately and update your video and documents annually. Some people update it several rooms per quarter.

The Worthington Carroll Agency Difference

Creating a home inventory takes work and discipline, but it will be tremendously valuable if you suffer a loss. Our team at the Worthington Carroll Agency, serving Port Jervis, NY, will work with you to structure a home insurance plan that fits your situation. Call us at (845) 856-5125 or stop by today.

How Umbrella Insurance in Milford Can Save You From Unexpected Legal Expenses

Posted on October 28, 2024October 25, 2024 by admin

The unpredictable weather patterns affecting most of the country have local residents reviewing their home and auto insurance policy coverage. They want to ensure their homes, autos, and businesses are protected.

In the guide below, RH Worthington Group in Milford, PA, discusses how supplementing your existing insurance policy with umbrella insurance can help protect you from unexpected legal expenses.

What is Umbrella Insurance?

Umbrella insurance is a special add-on insurance that extends the coverage limits of existing auto, home, and other insurance policies. This additional insurance helps policyholders bridge the gap between high out-of-pocket expenses, including property damage claims, legal fees, and medical claims resulting from an accident or injury.

Why You Need Umbrella Insurance if You Own a Home or a Business in Milford, PA

For Milford homeowners, umbrella insurance policies that pick up where other policies end can mean the difference between financial peace of mind and financial devastation without the right coverage.

Local business owners face potentially even higher risks than homeowners when customer lawsuits, workman’s compensation claims from employees, or emergency shutdowns deplete their entire bottom line. An umbrella insurance policy can shield Milford’s home and business owners from various costly and unexpected perils.

Protect Your Home, Family, and Business with Umbrella Insurance

In a world where legal expenses can spiral out of control and cause financial devastation for local home and business owners, it’s comforting to know that you can provide yourself with peace of mind by investing in a well-structured add-on insurance policy that provides a comprehensive coverage solution.

Contact RH Worthington Group to learn more about your options for umbrella insurance coverage and get a quote today!

How Do Loan Companies Decide Who Must Buy Flood Insurance For Their Home?

Posted on September 30, 2024September 30, 2024 by admin

Are you planning to purchase a new home and wondering if you need flood insurance? This decision involves more than just personal preference. At Worthington Carroll Agency in Port Jervis, NY, we understand the complexities of these requirements, so let’s break down the factors that loan companies consider when determining the need for flood insurance.

Demystifying Flood Zones

The location of your home plays a pivotal role in determining the necessity for flood insurance. The Federal Emergency Management Agency (FEMA) classifies areas based on flood risk levels in its flood zone maps. In high-risk flood areas known as Special Flood Hazard Areas (SFHAs), lenders usually require you to purchase flood insurance as a condition of the loan.

Recognizing the Influence of Loan Types

The type of loan you apply for may also impact the requirement for flood insurance. Government-backed loans, such as those from the Federal Housing Administration or Veterans Affairs, often have strict requirements for flood insurance. Even if your property is in a moderate-to-low-risk area, you may still be required to have coverage to protect your investment.

Assessing Property History

Lenders might also consider the property’s history, specifically related to previous incidents of flooding. If a property has experienced flooding in the past, lenders may still require flood insurance, even if the current flood zone designation does not expressly mandate it. This precaution ensures protection for both the homeowner and the lender against potential future losses.

Safekeeping Your Investment

Understanding these factors can help you navigate the requirements for flood insurance more effectively. Knowing that your investment is safeguarded against unpredictable natural events offers peace of mind. For further guidance on flood insurance or to discuss your coverage needs, contact Worthington Carroll Agency, serving the greater region of Port Jervis, NY. We help you make informed decisions.

Common Types of Commercial Insurance

Posted on August 30, 2024August 28, 2024 by admin

When you entrust your Port Jervis, NY business to the Worthington Carroll Agency for insurance, you receive a custom commercial policy tailored to your business needs. Wondering how we can create this custom policy for you? Our insurance agents take the time to get to know you and your business through conversational interviews to recommend the best coverage for your enterprise.

Liability Concerns

We start by asking about your business’s location, particularly the building where it is based. Each policy starts with liability coverage that handles the medical bills of a visitor injured at your premises. It covers mishaps such as slip-and-fall incidents, minor accidents in your parking lot, and more. Some businesses, like law and medical practices, need to carry malpractice insurance. Moreover, any business owner with employees must secure workers’ compensation insurance to comply with state and federal laws.

Structural Protections and Inventory

We add other coverage to this foundational policy depending on your business type. For instance, if you own the building, we recommend getting property insurance to safeguard the structure, as well as coverage for your inventory and business equipment. If your commercial building features plate glass or mirrors—common in dance studios—we suggest glass insurance. Buildings with boilers or other mechanical furnaces need coverage from a boiler policy.

Commercial Auto for All

We want to inquire about your weekly schedules and deliveries as well. If your clients primarily visit your business location and you don’t make deliveries, commercial auto insurance may not be necessary. However, if your job involves driving your vehicle for meetings at various regional business locations or delivering goods, you need commercial auto coverage. Short- and long-haul trucking businesses require a specialized set of commercial auto coverage known as trucking insurance.

Contact Us Today

Call or email Worthington Carroll Agency today and let us craft the commercial insurance policy that best protects your Port Jervis, NY business. Let us help safeguard your business’s bottom line.

Worthington Carroll Agency

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