What We Offer
Auto, Home, Flood, and Life for individuals and businesses.
With the help of your insurance professionals at Marian Farese Insurance Agency, you can get auto insurance that will fit your life and your budget! We pride ourselves in serving our customers, and will search high and low to get you the best car insurance at a competitive price.
Our typical auto insurance package will protect you and your vehicle in case of a collision. It will pay bodily injury and property damage, and will often cover rental reimbursement and roadside assistance. Some plans also include a provision in the policy protecting against uninsured and underinsured motorists.
You should also know that when it comes to car insurance, there are many possible discounts for which you could qualify! Speak to a Marian Farese Insurance agent if any of the following apply to you:
- You own multiple cars
- You own a home
- You have a record of safe driving
- You or a family member is in the military
We are always happy to give you or a loved one a free car insurance quote, or answer any and all insurance questions you may have!
With a little help from our agents, home insurance is easily designed. With just a call, we will start the process of comparing homeowners insurance policies, and building one to fit your specific needs.
Homeowners insurance in NY offers the following coverages:
- Protection for your home’s structure
- Replacement costs if your home is damaged
- Coverage for personal possessions, up to a limit set in the policy
- Living expenses if you are involved in a disaster
- Liability coverage
- And more!
Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Marian Farese Insurance can protect you.
Although it may not seem as necessary as homeowners insurance, you want to have additional coverage to keep your home safe and your possessions secure with flood insurance. NY homeowners can count on flood insurance to provide protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Different types of policies are available based on your property’s location and flood history:
Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard policy for flood insurance. NY, homes are at risk for flooding, you have to be prepared if you reside in one of these states. Marian Farese Insurance can help you determine if you should be protected with flood insurance.
Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
Don’t wait until it’s too late. Contacting Marian Farese Insurance today will get you on the path to an affordable policy for flood insurance in NY.
General Liability Insurance
General liability is one of the most pervasive policies on the market today – and for good reason. It provides coverage for liability issues resulting from personal and advertising injury, including medical expenses.
It addresses accidents stemming from on-site mishaps, as well as any injuries or damages incurred as a result of using goods or services sold on-premises. In addition to the financial limits of the policy, it can be designed to cover supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
Your insurance agent can create a customized policy for you to include different types and amounts of coverage. The following coverage is often included in a general liability line:
Protection of your business’ property from:
- Bodily injury
- Property damage
Commerical Auto Insurance
Many states require individuals to purchase vehicle insurance to protect their cars. Car insurance is mandated for good reason — if you get into an accident, you and the other driver involved will be thankful you have coverage. If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.
Even if your employees use company cars for both business and personal use, it would be good to look into purchasing a commercial vehicle policy for your business. If the business is the owner of the vehicle, make sure the name of the business appears on the policy as the “principal insured” rather than your name.
Whether your company needs to purchase a commercial auto insurance policy is dependent on the type of driving its employees do. Our agents will sit down with you and explain your business’s vehicle insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work and travel.
We understand that you may have questions about the type of coverage that may be right for you. Our friendly agents will walk you through your insurance shopping, and search the country to find you the best rate. Contact us today or call to learn more about your options- or get a free commercial auto insurance quote right now!
Commercial Property Insurance
Commercial property insurance could well be one of the most important coverages you buy when it comes to protecting the future of your business. But to fully enjoy its benefits, you have to understand the parameters of the coverage. How does this differ from other business insurance solutions?
Commercial property insurance is designed to protect:
- Your building or office
- Your inventory
- Any outdoor signage
- Landscaping and fencing
- Additional structures
Life & Health
A NY life insurance policy can mean the difference between your family being protected in your death or not. Marian Farese Insurance can offer you guarantees.
By purchasing NY life insurance you’ll be better prepared to provide for your family, even in dire circumstances. Life insurance benefits can be used for a variety of applications, including funeral costs, replacement earnings for lost wages, or even education benefits for children.
Here at Marian Farese Insurance, we offer two types of NY life insurance: whole and term life insurance. NY residents considering these options should know that there are benefits and drawbacks to each type of policy, so it is important to weigh your options and speak to an insurance professional about your needs prior to purchasing life insurance.
Whole life insurance provides insurance for, as the name implies, the entire life of the policy holder. This means that, while you pay more for the policy, it is guaranteed to never expire.
With term life insurance in NY, you are guaranteed a life insurance payout if the death of the policy holder occurs within the term specified in the policy. Because the payout is not guaranteed, though, this policy tends to be a cheaper option than whole life coverage.
If you have any questions or would like to speak to someone about your NY life insurance options please feel free to speak with a Marian Farese Insurance representative. We are always available, and are looking forward to doing everything we can to earn your business.