According to a report released by the National Highway Traffic Administration, car crashes and crash-related fatalities have increased substantially across the country over the past two years. As a result, it is perhaps more important now than ever...

Reconstruction costs have increased over the past couple of years, and as a result, so has the cost of many homeowners’ insurance policies. What does one have to do with the other? This blog post aims to answer that question, and others you...

  Over the past decade, cyber-attacks have become increasingly more frequent. So frequent in fact, that it seems like we can hardly take a breath in between news of notable cyber-attacks that have American consumers rushing to change their...

Most of us can recount what belongings are in our homes. But we’re not necessarily able to recall how much they cost, are valued at, or exactly how many of various things we have. If you experience a large or total loss in your home, would you...

When most people hear the term “act of God,” they don’t necessarily think of how it relates to what’s covered in their home and auto insurance policies.  However, this is a term that is commonly used in insurance. As a...

Chilly weather has arrived here in the Northeast, and with it often comes rain and other types of precipitation. As we all know, wet weather can cause water damage, and even mold, which needs immediate attention in the interest of the safety and...

Scroll through any local Facebook page, and you’ll inevitably come across a post from someone asking how much others are paying for their yearly car insurance premium.   While it doesn’t hurt to crowdsource this information from...

No two businesses are alike, even if they provide their customers the same types of products or services. But one thing that every business has in common is the need for the right insurance coverage to address the exposures an organization faces...

It’s no secret that adding a young driver to your car insurance policy can create a significant increase in premium each year. On average, most families can expect a $2,000 hike in the cost of their auto coverage when an inexperienced driver...

As consumers, we’re always searching for the best price on the products and services we utilize for ourselves and our families. Whether we’re shopping for new clothes or weekly groceries, there’s something very satisfying about...

  As an independent insurance agency, we’re fortunate to work with a multitude of insurance carriers that have a financial rating of A or higher, who’s programs we proudly offer to our potential and existing clients. Some of these...

When you own a home like your neighbor’s, you can expect certain household expenses will be comparable to theirs. The cost of your homeowner’s insurance, however, is not one of them. There are a variety of factors that determine the cost...

Accidents happen and some are more severe than others. Consequently, so are the costs to repay or repair the damage that result from an unfortunate event.   Depending on the liability limits that your existing insurance policies carry, an...

Shopping your insurance coverage every three to five years is perhaps one of the quickest, easiest ways to save money on your household or business’s operational expenses. Best of all, it requires very little involvement on the part of the...

When we talk about the advantages we offer our clients at J. Hoffman Insurance, the 26 insurance carriers we represent are at the top of the list. Did you know that nearly a quarter of those carriers are specific only to New York — and as a...

An insurance policy can look complicated if you’re not well versed on what exactly it entails. But it’s actually pretty easy to navigate once you have some insight on what its contents are! We’re firm believers that it’s...

Sharing your expertise on behalf of your business or an organization you volunteer with is an exciting and meaningful way to make an impact in your company or community. But in some instances, doing so could leave you open to the possibility of...

Perhaps one of the most important details to understand about your home, auto or business insurance policy is your deductible limits. While most people are familiar with the fact that their policies have a deductible associated with them, they are not...

The complete shutdown that so many businesses experienced during the first several months of 2020 raised more questions than ever on what exactly a commercial insurance policy covers when a business is suddenly unable to operate, and its income is...

When you look around at the local business community, contractors are arguably one of the most prevalent types of businesses you will see. From plumbers to electricians, HVAC technicians, flooring contractors, roofers, landscapers, excavators,...