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631-226-2800 NY | 609-451-0844 NJ
631-226-2800 NY
609-451-0844 NJ

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05 Dec

Posted at 16:09h in Homepage, Insurance by
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Colstan & Associates is Long Island's Flood Insurance Expert   Homeowners insurance does not cover damages caused by flooding; Umbrella insurance does not cover it either. Unfortunately, Mother Nature can be unpredictable and Long Island is particularly susceptible to flooding, with nearly a quarter of a million people, over 15% of its residents, living in a flood zone. If you live in a flood zone, flood insurance is mandatory, and Long Islanders should be wary of the fact that the Federal Emergency Management Agency (FEMA) changes the flood zone areas frequently. Your home may not have been in a flood zone yesterday, but today, it might be a different story, whether a flood happened or not. The largest flood zones on Long Island are found along the South Shore and stretch the entire length of the Island. The most susceptible area being Fire Island. Inland, Amityville Harbor, Atlantic Beach, Long Beach, South Oyster Bay,...

28 Sep

Posted at 17:25h in Homepage, Insurance by
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While safe driving is essential throughout the year, following some simple safety tips this Autumn will make you a safer driver.  Alter Driving HabitsAutumn is typically a damp, wet season, having many coolers, rainy or foggy days and nights.When driving in fog, set your headlights to low beam. This allows the beams of light to point downward, toward the roadway.As the temperatures cool, frost will often form on the roadway, causing hazardous driving conditions. Bridges and overpasses freeze over more quickly so take special caution by slowing down and breaking gently. Also, be aware that black ice can form on roadways as well. Adjust for Fewer Hours of DaylightIn the fall, there are fewer hours of daylight. In the earlier evening, it is common to see children outside playing or riding bikes. Neighbors are walking dogs or taking an early evening stroll. In the fading light of dusk, it is more difficult...

26 Apr

Posted at 12:27h in Boat Insurance, Homepage, Insurance, Personal Insurance by
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When you buy a boat, yacht, jet ski, you can’t help but think of all the fun you’re going to have on the water. While this could definitely be the best part, there are important considerations you have to take to keep your investment secure and have peace of mind.It is no secret that boats, yachts, jet skis and even classic boats have expensive maintenance and taking care of your property is our main goal. First of all, you should know that there are a lot of types of boat and marine insurance, so keep in mind that probably the insurance policy that you have now is not the one that fits all your needs.Here are the most common types of boat/yacht and marine insurance:Boat Insurance: Boat insurance protects your boat just as auto insurance protects your car. A boat insurance policy may cover you and your boat or personal watercraft...

20 Mar

Posted at 12:30h in Business Insurance, Car Insurance, Commercial Property, Disability Insurance, Homepage, Insurance, Personal Insurance, Workers Comp by
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Here are some benefits of having Umbrella Insurance. When people get insurance they think of the basics: Homeowners/Renters, auto insurance, and life insurance. They think that is all they need. However, they need much more. Umbrella insurance, also known as excess liability insurance, is a way to protect you financially. This can protect someone if they are being sued, they have hit the limit on their auto insurance, or their homeowner’s insurance has been reached.   No one truly knows when a situation may arise where you will need the extra cushion in your life. Umbrella insurance is just the extra cushion you need in your life. Having this policy will be able to help when other insurances are limited in their ability to help you. In other terms it takes care of the gaps in your coverage. Umbrella insurance is very affordable and easy to obtain. It starts by reaching out to your friendly neighborhood insurance company- Colstan and Associates. When reaching...