NICRIS Insurance Agency

Full-service #insurance agency Offering commercial & personal lines Serving in #NewYork State Open daily, 9 AM to 7 PM Give us a call! 516-544-0006

[NICRIS Insurance Agency @NICRISInsurance]

Going without #HomeInsurance may seem manageable when nothing goes wrong. But one major loss can leave you carrying costs you never planned for.

Read on to see what you could be risking, and how our team can help you review your options:

https://t.co/aOm6ixvk05

[NICRIS Insurance Agency @NICRISInsurance]

If your #HomeInsurance bill keeps climbing, you deserve to know what’s driving it and what may actually help.

Read on to discover what New York homeowners can do, and how NICRIS can help review your options:

https://t.co/x64I2L8DMU

[NICRIS Insurance Agency @NICRISInsurance]

Can you consider supplemental spousal liability coverage in NY auto insurance?

✔ Yes — it can affect certain claims between spouses after an accident
❌ No — it should not be ignored or declined without asking

Would you ask before removing it?

#AutoInsurance #NYDrivers

[NICRIS Insurance Agency @NICRISInsurance]

Does homeowners insurance cover a college student’s belongings?

✔ Yes — sometimes, if policy terms allow it
❌ No — not always, especially off campus or above limits

Would you check the parents’ policy or buy renters insurance?

#HomeInsurance #CollegeMoveIn

[NICRIS Insurance Agency @NICRISInsurance]

Insurance policy language really said:

“Simple question, complicated answer.” 😂

Sometimes you ask if something is covered and suddenly need three definitions, two exclusions, and a snack.

What policy phrase always confuses you?

#InsuranceHumor #CoverageCheck

[NICRIS Insurance Agency @NICRISInsurance]

August move-in checklist:

boxes
tape
snacks
emotional support iced coffee
one parent asking, “Wait, is any of this insured?” 😂

What’s the most chaotic move-in detail you’ve seen?

#RentersInsurance #NYLife

[NICRIS Insurance Agency @NICRISInsurance]

Deductibles are becoming one of the most important parts of the insurance conversation.

They can decide whether a claim feels helpful, painful, or not worth filing.

When was the last time you checked yours?

#InsuranceTips #CoverageReview

[NICRIS Insurance Agency @NICRISInsurance]

AI is not just a cybersecurity issue anymore.

It's becoming an insurance coverage issue too.

Cyber, professional liability, media liability, crime, and employment risks may all need a closer look.

Is your business using AI tools yet?

#BusinessInsurance #AI

[NICRIS Insurance Agency @NICRISInsurance]

New York insurance affordability is bigger than the premium.

Repair costs, claim costs, deductibles, policy design, and legal pressure all play a role.

What do you check first: price, deductible, or coverage limits?

#NYInsurance #InsuranceCosts

[NICRIS Insurance Agency @NICRISInsurance]

Roof coverage is becoming less about “was there damage?” and more about “how is the roof valued?”

Replacement cost and actual cash value can lead to very different claim conversations.

Have you checked how your roof is covered?

#HomeInsurance #CoverageCheck

[NICRIS Insurance Agency @NICRISInsurance]

Rideshare and delivery driving can blur personal and business use quickly.

Your app may say you’re active.

Your auto policy may disagree.

Check the full article:
https://t.co/dgWs0AC4zI

#AutoInsurance

[NICRIS Insurance Agency @NICRISInsurance]

NYC condo owners don’t usually meet façade work through a friendly heads-up. They meet it through a special assessment notice.

Read more:
https://t.co/yHZGpeRvzf

[NICRIS Insurance Agency @NICRISInsurance]

Should I raise my #deductible to lower my premium? 🤔

A higher deductible may reduce premium cost, but it can also mean little or even no payout for a claim.

The right #insurance deductible for you depends on these 3 things: cash reserves, risk tolerance, and claim scenarios.

Need help? Talk to us: https://t.co/Xf6HQHxabG

[NICRIS Insurance Agency @NICRISInsurance]

Renters or homeowners insurance covers flood damage from summer storms, right? 🌦 Nope.

If you don’t have a separate flood insurance policy, you’re going to find yourself up a creek without a paddle. 🚣���♀️

How to stay afloat: https://t.co/47V6kB9ET1

#HomeInsurance #FloodInsurance

[NICRIS Insurance Agency @NICRISInsurance]

Nothing makes a stomach drop faster than when “I’m sure it’s covered” becomes “But wait, is it actually covered?” in an instant. 😟

Don’t wait to find this out when filing an #insurance claim.

Be sure to fully understand what your policies cover before you need them.

#HomeInsurance

[NICRIS Insurance Agency @NICRISInsurance]

Insurance renewal season: When your try to lower your premium without raising your blood pressure. 😡

If it’s time to review your policy, don’t just focus on price, but what you’re actually getting for your money.

Need some help? We’re here for you.

https://t.co/Ksvy5rgein

#HomeInsurance #CarInsurance

[NICRIS Insurance Agency @NICRISInsurance]

#CyberAttacks aren’t a matter of “if” but “when.” And while having cyber insurance is vital, companies can’t just set it and forget it. 👩‍💻

Leadership has to understand key components, including exclusions, response requirements, and prevention expectations.

Get the gist: https://t.co/A2UVyT1Zcx

#CyberInsurance

[NICRIS Insurance Agency @NICRISInsurance]

“We’ve always done it this way” is rarely a good sentiment for a business, and this is true for #insurance.

Research has found that litigation and verdict severity can push claim costs beyond general inflation, which means you should review liability coverage.

Read the research: https://t.co/jp81vpNySY

#LiabilityInsurance

[NICRIS Insurance Agency @NICRISInsurance]

What happens when a rising climate makes commercial buildings more expensive to insure? 🏢 Tenants feel the brunt.

This is why they should look to control expenses, including negotiating for fixed rent increases and hard caps on CAM charges.

Check it out: https://t.co/TH4sQvbr45

#ClimateChange #CommericalInsurance

[NICRIS Insurance Agency @NICRISInsurance]

#NewYork's car insurance reform is promising, but there’s no guarantee drivers will see lower rates. 🚘

Instead, they should be looking at their current policies to see where they can cut costs, such as by raising deductibles or changing liability limits.

Curious? https://t.co/2SxDIsMeqv

#CarInsurance #NYCDrivers