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EverGreen Insurance Agency - Peter Schmidt

690 Route 211 E
Middletown, NY 10941

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Life Insurance FAQs

Life insurance isn’t the prettiest topic on earth, but you need it if you want to protect your future. Since life insurance can be complicated, it’s vital to understand the basics before taking the plunge. As your trusted insurance in Middletown, NY, EverGreen Insurance Agency has compiled a FAQs section to help you understand life insurance better.

What is life insurance?

It’s a contract between you and the insurance company to pay your beneficiaries when you die. On your part, you have to keep paying premiums as long as the policy is in place.

What are the different types of life insurance?

Term insurance is the most common because it’s affordable. This life insurance plan remains in effect for a certain period of, let say, 15, 20, or 30 years as long as you pay your premiums. Whole life insurance remains in effect for the rest of your life. Your beneficiaries receive death benefits when you die, although this insurance policy accumulates a cash value that you can use when alive.

Who needs life insurance?

Of course, not everyone needs life insurance, but most do. If you have dependents, you definitely need life insurance to care for their financial needs when you are long gone. Additionally, you need life insurance if you:

  • Have debts
  • Want to finance your final expenses
  • Own a business
  • Are a stay-at-home parent

If you are also young, this is the best time to buy life insurance because you are considered less risky. Ultimately, purchase life insurance when it’s affordable and scale up your life insurance policy as your life changes.

Where can I buy life insurance in Middletown, NY?

Looking for life insurance to protect what matters most? Your search has ended. Let EverGreen Insurance Agency be your life insurance partner. We will advise on the best policy for you based on your budget, lifestyle, and other unique needs.

Things home insurance won’t cover

Homeowners count on home insurance to protect them from the risks all homeowners face. Home insurance offers a lot of different types of protection. It protects your content from many hazards, it gives you a safety net against judgments against you and it helps you to have a place to stay if your home is damaged. It doesn’t, however, protect against everything that can go wrong. At EverGreen Insurance Agency in Middletown, NY, we try to educate our customers about the things that home insurance won’t cover. 

Owner negligence

As a homeowner, the insurance company has the expectation you will maintain your home. That covers a lot of ground. It means you will replace your roof or repair it so it won’t cause damage to the interior of your home. It means you will fix an uneven board on your porch so guests won’t trip. It means you will get your home treated for termites so your home is not damaged. If you don’t do the necessary repairs and maintenance, you may find that your insurance won’t cover the damage. 

Floods

Floods are common natural disasters and getting even more common. They are not covered under a traditional home insurance policy. You need to have a dedicated flood policy to have the protection you need. 

Earth Movement

Several different kinds of disasters are considered earth movement. It means earthquakes, mudslides, and sinkholes. All of these need to be covered with an endorsement or a separate policy since they are excluded from the majority of home insurance policies. 

Always read your home insurance policy carefully so you are aware of any exclusions it has. 

When you are looking for a local independent insurance agent, EverGreen Insurance Agency in Middletown, NY is just what you need. Contact us when you have home insurance needs.

Three Tips for Filing an Auto Insurance Claim

Due to the fact that auto accidents can be incredibly stressful, a lot of motorists have no idea what steps to take after they are involved in a collision. The good news is that the process of filing an auto insurance claim and seeking the compensation needed after an accident is relatively straightforward, especially here at EverGreen Insurance Agency. In fact, we want to share three tips for filing an auto insurance claim so Middletown, NY residents are a bit more prepared in the event of an unexpected car crash.

Contact the Authorities

It is illegal to leave the scene of a car accident that has resulted in any significant property damage or personal injury in New York, as is the case with most states throughout the country. Therefore, when involved in an auto collision, contact the local police. When the police arrive, they will conduct a thorough investigation, producing a detailed report of the accident. This report can be used to prove liability for the crash while also speeding up the insurance company’s investigation, thereby expediting your insurance claim.

Collect Evidence

Although the authorities will create their own independent report, you do have the right to submit your own evidence that you collected from the scene to the insurance company. In fact, it is likely to expedite the process. So, while at the scene of the crash, take photos of the vehicle and property damage, the surrounding area, the weather conditions, etc. Make sure to get contact information from the other driver and any eyewitnesses. Even if you don’t believe something is valuable, write it down or take a photo anyway.

Contact Your Insurance Company

Following an accident, don’t forget to contact your auto insurance company. Do this as soon as possible so they can begin the processing of your claim. You may want to check with your insurer to find out how long you have to report accidents, as many companies require you to report an accident within a specific amount of time. If you fail to do this, your claim could be denied outright.

If you aren’t seriously injured in the accident, you may want to contact your insurance agent immediately, as they can walk you through the exact steps you need to take while at the scene.

EverGreen Insurance Agency is here if you have any questions or concerns. Serving Middletown, NY and surrounding areas, our team can help you with filing an insurance claim or obtaining the proper amount of insurance coverage based on your individual needs. Contact us today for more information.

New York Life Insurance Guide: Is There a “No Medical” Life Insurance Plan?

If you are looking for life insurance, you’ll likely hear the phrase “no medical life insurance” a lot. What this term means is that this is a kind of life insurance that you can get without having to take a medical exam. Many kinds of life insurance policies require it, so that the insurance company can determine what you qualify for.

But a lot of people don’t like insurance that comes with that requirement. So many companies will offer “no medical” life insurance. At EverGreen Insurance Agency, we want Middletown, NY residents to have access to whatever kind of life insurance that they need.

What is No Medical Life Insurance?

No Medical life insurance is a kind of life insurance that you can get that means you will get life insurance coverage without having to take the medical exam. There are two kinds, simplified issue life insurance, and guaranteed issue life insurance.

When you get life insurance that requires a medical, you’ll have to answer a medical questionnaire, and a nurse will come to your home to take your blood, urine, and some vitals. That will help the insurance company determine if you have pre-existing conditions.

With No Medical life insurance, that part of the application process is removed.

Who Gets No Medical Life Insurance?

There are a number of reasons that people get this kind of insurance.

• Pre-existing conditions
• People want fast approval on life insurance
• People don’t like needles or exams

There is nothing wrong with choosing No Medical life insurance. It’s there for people just like you.

Get a Quote

When you are purchasing life insurance, the options seem never ending. If getting that exam makes you nervous, don’t get one. Get No Medical life insurance. At EverGreen Insurance Agency, we want Middletown, NY residents to be able to get the life insurance they need for their loved ones. Call us for a quote today.

Middleton, NY Home Insurance: How to Find What You Need to Protect Your Investment

You spent a lot of time finding, financing, and purchasing your home. Why not invest in protecting it? Home repairs can cost thousands of dollars. And there are many different types of things that can happen to your home. Having the right amount of home insurance protects you from having to pay for these repairs from your own pocket. 

The EverGreen Insurance Agency can help you get the right home insurance for your home in Middletown, NY and the surrounding area so you can rest assured you are covered, no matter what happens.

Tips for Finding Home Insurance

When you start looking for a home insurance agency, keep the following tips in mind:

  • Look for an agent who understands your needs.
  • Make sure the agency you choose has a solid financial backing.
  • Look for online reviews on the agency and see what others think about their service.
  • Look for agencies with a fast turnaround on claims.

A good insurance agent will take the time to listen to you when you need home insurance coverage. They understand that there is no cookie-cutter pattern for insurance and that everyone’s home is different. 

Assess the value of your home before going to visit with your agent or calling them on the phone. This will give you a great idea about how much insurance you will need to protect your home investment. 

Recommendations

If you want an agent and a company that meets all of the above criteria, see your friends at EverGreen Insurance Agency and ask for an estimate. They serve the Middletown, NY area and they are happy to serve this area with all of the options you need to sleep better at night.

Why Driving without Auto Insurance is a Risk You Should Not Take

EverGreen Insurance Agency, serving the Middletown, NY area, offers auto insurance for all of your needs in the state of New York. Knowing your legal requirements for carrying auto insurance is an important step toward keeping in line with the legal mandate. If you are stopped without insurance in New York, you could experience the following:

  • Liability coverage must include a minimum of $25,000 for bodily injury to one person
  • $50,000 for bodily injury to all persons
  • $100,000 for property damage per accident

Why Knowing the Minimums is Important

Knowing the minimums is important not only because you need to know that you are following the law in your state, but also so you will know what these minimums cover.  For example, if an accident results in more than the minimums for bodily injury or property damage, that means that, if it costs more to compensate people for the damages, you will be at a loss for the rest of the out-of-pocket expense. 

Rule of Thumb for Insurance

Most insurance agents will tell you that the rule of thumb for insurance is that you need to carry enough insurance to cover a little more than the minimums in case the mandated amounts are not enough in a given incident. There may be other areas you want to insure as well to make sure you are protecting your personal property.

We are not recommending that you carry more insurance than you need. But it’s important to talk to the pros with EverGreen Insurance Agency if you live in the Middletown, NY area to make sure you have what you need. It’s important to protect your property, yourself, and those you love most. We can help. Call us today to find out more.

Why Do I Need Life Insurance in Middletown, NY?

Life insurance is the ultimate foundation of your financial security and can accord you comfort, knowing that your dependents are protected. As long as you furnish your insurer with premiums, you can be assured that life insurance takes care of your financial interests.

 Are you looking for a trusted insurance agent that offers competitive life insurance plans? Don’t fret. At EverGreen Insurance Agency situated in Middletown, NY, we will assist you in designing outstanding life insurance coverage that can go a long way in safeguarding your financial plans.

Benefits of a life insurance policy

Are you still unconvinced that you need life insurance? Here are the benefits you accrue when you invest in a life insurance plan. 

  • Peace of mind: Having proper life insurance offers the ultimate peace of mind. This instilling of peace of mind is so because if the policyholder unexpectedly meets their demise, they are guaranteed that their family and loved ones will have a financial safety net.
  • To pay for your funeral expenses: Having inadequate savings to cover emergency expenses like a funeral can be a substantial financial burden. Having a salient life insurance policy will help your beneficiaries utilize the money to settle your burial expenses with ease.
  • To cover debts: Family members and loved ones could utilize the savings from your policy to cater to essential expenditures such as paying a mortgage, car loan and credit cards.  
  • To cover dependents: Your loved ones have financial stability due to the guaranteed income they get from you. This income helps them settle financial obligations like house rent, telephone, electricity, and other expenses. Even when you die, life insurance supplements your income, helping your dear ones cope financially.
  • To protect your business: Death benefits from life insurance can help your business settle severance to employees in case of bankruptcy. Besides, it helps your family purchase your outstanding shares in the business. 

 Life insurance needs are unique to everyone, and that’s why you need a competitive insurance agent to advise you. If you are looking for life insurance in Middletown, NY, please contact EverGreen Insurance Agency.

Summer home safety tips

Summer is a time for enjoying the sunshine and all the outdoor activities you haven’t been able to take part in during the colder weather. Making sure your home is safe during these warm months is important. At EverGreen Insurance Agency in Middletown, NY we are independent insurance agents with years of experience. We put our customers first and provide the information you need to choose the right insurance policy for your needs. 

Yard safety

Playground equipment in your yard is a hazard to your children and their friends. Make sure everything is in good repair and there is enough shock-absorbing material so no one gets injured if they fall off the equipment. 

Water safety

Double-check all access to any pool area. It should all be child-proof. Safety fencing is a must. Never allow a wading pool to sit with water in it when not in use, drain the water and turn the pool over. 

Trampoline

Trampolines are great exercise and entertainment for every member of the family. Having safety netting will cut down on the risk and making the entrance as inaccessible as possible when you are not at home helps keep uninvited visitors out. 

Grill

Grilling is part of summer dining. Used improperly charcoal grills are a danger for carbon monoxide poisoning. Make sure you use them in a well-ventilated area. Never dispose of coals until they have totally cooled.  If you are using a gas grill, turn off the gas when not in use and make sure to keep the grill away from the house to avoid damaging the siding. 

Vacations

Summer is when many people leave for vacation. Secure your home before you leave. Get family to visit, arm your home security and stop your mail and newspaper delivery.

Enjoy a great summer and contact EverGreen Insurance Agency in Middletown, NY for all your home insurance needs. 

What auto insurance is required in New York

New York State is a scenic place to drive. With more than 200,000 miles of roads, it never gets old, and taking a road trip is a common pastime. Before you hit the road in New York, it is important that you have the mandated auto insurance. At EverGreen Insurance Agency in Middletown, NY, we are locally owned and operated. We provide friendly, personalized service and offer our customers the great choices that only an independent agency can. 

In the state of New York, all drivers are required to have liability insurance. The required amount is $10,000 for damage to property in one accident. $25,000 for bodily injury for the first person and a total of $50,000 for an accident is mandated. If a person dies, the coverage is $50,000 and a total of $100,000 for more than one death. You cannot register a vehicle in the state of New York without the required auto insurance coverage. The insurance must stay in effect even if the vehicle is not currently on the road. The insurance must be in the name of the person to whom the vehicle is registered. 

If you are caught driving without the required liability insurance, you may be made to pay a fine of between $150 and $1500. You may also have to spend 15 days in jail. Your vehicle is subject to impounding, and you could lose your license for up to a year. Driving without auto insurance is taken very seriously in New York State. If your license is revoked, you will have to pay $750 to get it reinstated. 

If you have an auto loan, you will be required to carry collision and comprehensive coverage, protecting the vehicle. 

Contact EverGreen Insurance Agency in Middletown, NY for all your auto insurance needs. Give us a call or stop by our office. 

What type of life insurance should I get in Middletown?

When you live in the Middletown, NY area, many important insurance decisions will need to be made. One type of insurance that you will need to consider getting is life insurance, which offers financial protection to those you care about. The two most common types of life insurance are whole and term coverage. It would be best if you considered both options when picking a new plan. 

Term Life Coverage

A type of life insurance to consider getting when you are in this area of New York is term life coverage. When you obtain a term life plan, you will get to build it to meet your needs. This will allow you to choose a term length and coverage level that provides your dependants with appropriate financial protection. Further, the premium payments for it tend to be lower than those with other coverage types.

Whole Life Coverage

It would also be a good idea to consider a whole life insurance plan. When you get this type of coverage, life insurance can protect you for the rest of your life if you keep making payments. While the monthly payments are higher than they are with term life, you can also use this as an investment option. Over time, you will build an account that grows with interest that you can eventually liquidate. This makes it a good addition to a conservative investment plan. 

As you are looking for a new life insurance plan in the Middletown, NY area, it would be wise to call the EverGreen Insurance Agency. The insurance team with the EverGreen Insurance Agency understands the necessity to have proper life insurance coverage. They can also help you choose and build a plan that is ideal for your situation.