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state farm: Are There Gaps in Your Business Coverage? - 11/19/08 10:50 AM
By: J.R. Orenstein State Farm® agent ----- Tel: (866) FOR-COVERAGE ---- Web: www.JRorenstein.com www.Shop4Insurance.net ----------------------------------------------------- There are many types of insurance to cover your small business, From property insurance on your building or contents to coverage for your business vehicles, there is a policy to meet most of your needs. While these policies on their own may provide enough coverage, you may be unaware of gaps. Most insurance policies place limits on the amount of coverage provided for certain items as well as the types of losses that are covered. These gaps could be significant depending on your situation. Fortunately, insurance … (0 comments)

state farm: Get More Value! - 11/19/08 10:45 AM
By J.R. Orenstein State Farm® agent -----Tel; (866) FOR-COVERAGE -----Web: www.JRorenstein.com ---------------------------------------------------------------- In today’s busy world, filled with concern over the rising cost of gas and housing, many of us look for ways to get greater value for our time and money. One way you may not have considered is having all of your insurance needs taken care of in one place. There are advantages to having your car, home, and family protected by the same insurance company. Switching all your policies to one well-respected insurer might save you time and money, not to mention the convenience of having only one … (0 comments)

state farm: Do you Need Renters Insurance? - 11/19/08 10:36 AM
By J.R Orenstein State Farm® agent ----------Tel: 516-466-FARM -----Web: JRorenstein.com ----------- There are two big myths about renters insurance. One is that ifs too expensive and the other is that it’s not needed. Not having renters insurance is a pretty big gamble, considering that without it you face the cost of replacing your personal belongings after an event such as fire or theft. What’s more, you could face the prospect of defending yourself in a lawsuit because of some accident for which you might be held legally responsible, whether it happened where you live or elsewhere. In many cases, for less … (0 comments)

state farm: Home-Based Businesses Need Business Insurance - 11/19/08 10:32 AM
By: JR. Orenstein State Farm® agent -----Tel: 516-466-FARM -----Web: JRorenstein.com --- SeguroNuevaYork.com ----- The dream of owning a business is becoming a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation at home. However, your enterprise may be in jeopardy if you don’t have business insurance. You need business insurance because most homeowners policies place limits on business- related exposures. For instance, a copier or fax machine used for business and damaged in a fire may not be fully covered because it is considered business property. Also, the homeowners policy … (0 comments)

state farm: Live in a Condo/Co-Op? You may not be covered!!! - 11/19/08 10:26 AM
By JR. Orenstein State Farm® Agent ------Tel: 516-466-FARM -- Web: JRorenstein.com - SeguroNuevaYork.com ----------------------------------- You finally decided that your residence should be a condominium. Condos can be an appropriate choice for a number of reasons - fewer maintenance worries and no yard work are only some of the benefits. But what about insurance on your property? In most cases, homeowners insurance differs from condominium unit owners insurance. Homeowners insurance protects the building structure and the items inside, whereas condominium unit owners insurance protects the items you keep within your unit. Also, unit owners insurance may be needed to protect any additions … (0 comments)

state farm: Dangers of Driving Drowsy - 11/18/08 03:44 PM
By J.R. Orenstein State Farm® agent ----------- Tel: 516-466-FARM (3276) Website: JRorenstein.com or SeguroNuevaYork.com ------------ Driving while drowsy is an unnecessary risk you shouldn’t take. Sleep deprivation has become widespread in North America as people try to squeeze more and more activities into each day. One consequence: more vehicle crashes attributed partly or wholly to sleepiness. The National Highway Traffic Safety Administration (NHTSA) says about 1 million crashes a year are thought to occur because of driver inattention or lapses – and fatigue makes such inattention more likely. In a survey by the National Sleep Foundation, 57 percent of those interviewed … (0 comments)

state farm: Ways to Reduce Your Auto Insurance Premium - 11/18/08 03:36 PM
By J.R. Orenstein State Farm® agent ------- Tel: 516-466-FARM (3276) Website: www.JRorenstein.com or www.SeguroNuevaYork.com  or www.Shop4Insurance.net ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- If you’re like me, you’re always looking for a smart way to save money. Sometimes, saving money can come in the most unlikely place – such as your insurance. There are several ways you may be able to cut your auto insurance costs. Higher deductibles can lower your premium as will selecting only the coverages you feel you need. Many insurance companies offer different discounts. Here are a few. When shopping for auto insurance, be sure to ask about the availability of these discounts … (0 comments)

state farm: What to do after a flood - 11/18/08 03:12 PM
By J.R. Orenstein State Farm® agent Tel: 516-466-FARM (3276) Website: JRorenstein.com or SeguroNuevaYork.com --------------------------------------------------------------------- People have said it couldn’t happen to them. People have said it wouldn’t happen in their area. But it can and it does. And when a flood occurs in the community, anyone can suffer the devastation of a loss — lost property, lost irreplaceable items and, unfortunately, sometimes lost lives. Flood survival tips: Remember that your dwelling, furnishings and possessions can be covered by flood insurance, but your life can never be replaced. Take into consideration these safety tips if your community is subject to flooding: · … (0 comments)

state farm: Personal Liability Umbrella - 11/18/08 11:38 AM
By J.R. Orenstein State Farm® Agent Tel: 516-466-FARM (3276) Web: JRorenstein.com or SeguroNuevaYork.com ------------------------------------------------------------------------------------------------ There are so many “rainy days” that people can experience - a sick child, a broken-down car or a late mortgage payment But what about a lawsuit? These days lawsuits are being filed, not just against big corporations, but also against people like you and me. In the blink of an eye, you could be involved in a car or boating accident, or have someone become injured on your property that could result in litigation against you seeking thousands or even millions of dollars. Even though your … (3 comments)

 

J.R. ORENSTEIN

Great Neck, NY

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STATE FARM INSURANCE - J.R. ORENSTEIN AGENCY

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