new york: What is considered an "Act of God" on a Homeowner policy? - 06/28/13 09:16 PM
What is considered an "Act of God" on my Home Owner Insurance policy? We recently had a client of ours call to say his neighbors tree fell on his fence, car & garage and how does he put a claim in against his neighbor's insurance?
Act of God Wind Damage We had to explain to our client that since nobody was negligent for the tree falling, it is considered an "act of God" due to winds. These high sustained winds have nothing to do with the neighbor's blame for his tree falling. Since it is no one's fault, the insurance property … (0 comments)

new york: Easy way to tell if your insurance agent is serving your interests. - 03/20/13 04:13 AM
With all the noise online, on TV, on your car radio, screaming and yell - save 40%, 15 minutes can save you 15%, nobody beats XXXXX insurance - who do you trust? Insurance - particularly car insurance - is being sold on price alone.
Yet, I see every day the errors and mistakes people are making with their auto insurance - in New York State.
Consumer's thinking all insurance coverage is the same, except for price. Let me tell you a quick story : One of our clients parked his car and was walking across the street to his families restaurant. … (1 comments)

new york: Sept 11th - we will never forget! - 09/11/11 11:56 AM
I watched the memorials today.
I saw the memories.
I saw the children, now 10 years older.
I cried.
I prayed.
I felt grateful to live here.
I don't want to forget.
Hatred never wins.
Love one another. Hug a loved one. Make a difference.
Do something kind today, tomorrow, when you can.

new york: Property Insurance Rates in New York. - 03/31/09 02:37 AM
 I've had 3 clients in the last week ask the same question - "Will my home/rental property/commercial property rate go up if I have a claim?"
Don't confuse property rates with auto insurance rates! Unlike auto insurance, where your rates can get "sur- charged" based on tickets and accidents, property insurance rates cannot be sur-charged.
Property Insurance rates are "filed" rates with the NY State insurance dept. and are usually based on a per $1,000 of value rate. This "flat" rate must be used for all properties of similar usage.
Meaning, a 1 or 2 family home will be rated similar, … (0 comments)

Tom Larsen, We Shop, You Save! (The Larsen Protection Team)

Tom Larsen

We Shop, You Save!

Williamsville, NY

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The Larsen Protection Team

Address: 8665 Sheridan Dr, Williamsville, NY, 14221

Office: (716) 684-3203

Mobile: (716) 310-0351

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Buffalo insurance expert, marketing expert and Small business insurance consultant.




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