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Automobile Insurance NY

We explain the various liability coverages to help protect your assets and future earnings. Coverages available in New York State include: Bodily Injury, Property Damage, Personal Injury Protection (PIP, also referred to as No Fault), Uninsured Motorist (people without insurance) and Underinsured Motorists (people with low limits of insurance).

We represent many strong, A-rated, national and regional companies that have competitive rates. We review your coverage at each renewal to identify money saving options for you.

 

 

Business Insurance NY

Business Insurance by Gates Cole InsuranceWe insure all types of "Main Street" businesses such as offices, retail shops, restaurants, contractors, auto repair, etc. We also insure volunteer fire departments, municipalities and volunteer ambulances. We can write the property, liability, Directors and Officers, Errors and Omissions and professional liability coverages for profit and non profit entities.

 

 

 

Homeowner's Insurance NY

House Insurance by Gates Cole InsuranceFirst Time Buyers - Long Time Owners - Condo Owners - Renters

Your home is one of your most valuable assets. It is important to insure it properly.

In Central NY, we are faced with threats from earthquakes and floods, both of which are excluded under the standard homeowners policy. Earthquake coverage can be added to your home policy, while flood insurance cannot. Flood insurance is a federally regulated program, and coverage must be written on a separate policy.

Insurance to value is a major issue in the insurance industry today. If you do not insure your home for the proper amount, you will not receive the full value of a claim for damage. We help you determine the proper amount of insurance by completing photo inspections and replacement cost estimates.

The liability portion of the homeowners policy provides legal defense for claims or lawsuits brought because of bodily injury or property damage caused by a covered occurrence.

We also offer ideas for saving money on your homeowners insurance.

 

Life Insurance NY

Life Insurance from Gates Cole Insurance

We offer both term and permanent insurance policies and will work with you to tailor your coverage to best meet your needs.

Term Life Insurance NY

 

Term life insurance is often referred to as “pure insurance” because its premise is very simple: You pay a premium to an insurance company in exchange for their promise to pay a death benefit to your survivors if you die while the contract is still in force.

 

Term life insurance provides protection for a specified period and is usually renewable at the end of each period at progressively higher premiums. As you get older, your risk of dying increases, so the cost of term insurance goes up. Term insurance carries no cash value element, making it less expensive than permanent alternatives.

 

Different types of term insurance include:

Permanent Life Insurance NY
 

As the name implies, permanent (cash value) insurance is best suited for the individual with a long-term (often indefinite) need. A permanent policy is really a combination of “pure insurance” and an asset accumulation element. Premiums are considerably higher than term rates in the beginning years, but many drop significantly, or even disappear, in later years. Other differences may include an increasing death benefit, a “cash value” associated with the policy, and tax-advantaged borrowing privileges against your cash value.

 

Different types of term insurance include:

 

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