If you own a car, having the right insurance is vital. If you're ever in an accident and found at fault, standard coverage can cover the medical expenses, legal fees and other damages by the accident. It will also cover medical treatment for you and your passengers, including ambulance and hospital costs. A range of optional coverage can be added to give you comprehensive coverage insurance to repair or replace your vehicle, accident forgiveness and rental car reimbursement.
Homeowners insurance covers repair or replacement to your house or condo along with other structures on your property if they are damaged or destroyed. That same coverage extends to personal possessions, such as clothing, furniture, and appliances. As a NYSBA member with homeowners insurance. you are also entitled to liability coverage to defend against claims and make payments in the event that someone is injured on your property.