How to Prevent Apartment Break Ins

Thursday, July 24th, 2014

How to Prevent Apartment Break InsNew York is among the top cities where home burglary often happens. According to a 2013 report of ASecureLife.com, New York is the city with the 3rd highest number of home theft occurrences and 1st among those where property theft happens. And apartments are often the first targets of thieves compared to single-detached homes.

Having a renter’s insurance will give you that sense of security that whatever happens, you can get financial assistance to replace your possessions. But here are other things you can do to add to that security and prevent your apartment from being broken into.

Understand burglars

Police reports show that burglars are often looking for small things they can exchange for cash fast. So small but expensive items like mobile phones, laptops, digital cameras, and jewelry are what they commonly want. They also look for apartments that are accessible and have other easy exit routes.

Keep windows and doors locked

Among the 2 million reported burglaries in the US, 30% of the burglars got in because of open doors and windows. So get a high-quality doorknob and lock, most especially for your sliding doors, and install heavy-duty or tight-fitting latches on your windows. Even if you’ll just go out of your apartment for a few minutes, as long as you’re leaving your place, lock all possible entry points. This makes your home more unattractive to burglars.

Keep your keys with you

Another way to deter burglars is to keep your keys in unusual hiding place or better, with you all the time. Burglars may sometimes observe the residents first and might see where you keep your keys so leaving it hidden anywhere near your apartment shouldn’t be an option at all.

Install motion sensing lights and alarm systems

Motion sensing lights will add to your security when sleeping at night. Having them activated at night outside of your doors will discourage burglars from going near your home. While alarm systems will keep your home safe on both day and night and whether you’re there or not.

When you have all these, your apartment will be a much safer place for you and your possessions. And you can live a more peaceful life every day.

Securing what we have might take a bit of tweaking but it will be worth it. So even if you have renter’s insurance, do what you can to protect your investments.

On the other hand, if want to know how to get renter’s insurance in New Rochelle, Scardsdale or White Plains, NY, you can contact Tom Bruenn, your local insurance agent via phone or email.

Photo credit: Curtis Gregory Perry

How to Succeed As A Restaurant Owner

Tuesday, May 27th, 2014

restaurant insurance |  New Rochelle NYThe challenges restaurant owners face, are almost entirely different from the challenges of other types of business. Handling food and catering to customers at the same time calls for focus and attention to detail in all working hours.

So if you have already started your own restaurant, what can you do to make sure you succeed?

We compiled the common advice shared by accomplished restaurateurs to guide you.

First, put your heart in it

Having a restaurant means being with people and serving them good food all the time. If this sounds exciting to you then you can relax because it means being in this business is your passion. If not, then you might want to reconsider your investment.

However, if you’ve already taken the chance, getting a manager, a chef, and enough staff who are all passionate about providing good restaurant service would help you out a lot.

Have a business plan

Any business won’t go too far without a plan. It doesn’t have to be a complicated slate of how you want things to be done. It could be as simple as a list of what type of service you want to provide, for whom, and how you’ll be different from your competition.

And the best way to make this plan work is to know firsthand what your target customers want. Do they like fine dining or a casual ambiance? Do they like wine or beer served with their steak? Knowing these info and keeping them in mind at all times will help you know what approach to take to make your restaurant standout.

Expect to work long hours

As mentioned, you won’t only be handling food but taking care of customers as well. Other people and things you also need to mind are your staff, and the stock of food and supplies.

Managing your orders from suppliers may become automatic in the long run but managing your staff requires good people skills. So expect to spend an average of 60 hours a week to handle all these commitments. Neglecting even one wouldn’t be good for your business because you need all these to function efficiently for your restaurant to run smoothly too.

And so far, the easiest way to take care of your property, your staff, and your customers is by getting a restaurant insurance. A basic policy can include coverage for accidents, missed income, and equipment. If you’re interested and you live in New Rochelle, NY, call or email us to get more detailed information. We’ll help you sort the right policy for your restaurant as early as today.

How To Prepare For Your Retirement As Early As Today

Monday, April 21st, 2014

How to prepare for your retirementAs parents, when we’re still young and strong, we tend to think more of our children’s well-being instead of our own. This is natural and praise-worthy. But have you ever thought about the time when you’ll be the one in need of time, attention, and money? Have you considered that this period will eventually come and would you want to burden your children, not only of caring for you but also of paying for your needs?

Planning for your retirement should be your priority second only to saving up for the education of your children, according to a recent post in US News and the article continues to explain the different ways you or your child can get financial assistance for their education.

But for your retirement funds, you only have a few options, so here are some ways you can prepare for your retirement while you still can:

If you’re a woman, consider the following:

  1. Check with your employer if you qualify for their retirement savings plan or pension plan. Ask them to start one if they don’t have any in place. Open your own retirement savings account and be religious in saving a certain amount monthly.
  2. Find out what your Social Security retirement benefits are and how you can file for it when you already need it.
  3. Check with your bank and other financial institutions on other options they could provide you.

If you’re a divorcee, here are some ideas:

  1. You’re entitled to Spousal benefits if your marriage lasted for more than 10 years.
  2. If your ex already died, you could collect survivor benefits.
  3. It’s best to collect these at your full retirement age of 66.

But of course, don’t forget to check with your local Social Security office for more details.

Get a health savings account and whole life insurance

When at your prime, your healthcare may be more expensive than you would’ve expected. Fidelity Investments even reports that retiring couples could expect to shell out $220,000 for health care costs. An HSA or Health Savings Account could help you cover these future expenses. A whole life insurance, on the other hand, could provide your needed support for your everyday needs once it’s in effect.

Your insurance agent like M.L. Bruenn for those in New Rochelle can help you about the policy details. Contact him to get comprehensive information and it’s best to start today.

Photo credit: Uruvyel

Benefits of Having a Neighborhood Agent Who Knows You

Friday, February 7th, 2014

When it comes to buying insurance, you’ll hear all kinds of promises about low prices and great service by Insurance Company XYZ without ever talking to a live person.

You may actually get great service when you’re preparing to give them your money for six months of insurance premiums. That 15-minute phone call may even save you 15 percent on your insurance over some of the better-known companies in the industry.

Where, exactly, does that 15 percent come from? What do you have to give up in order to achieve those great savings?

What Should You Look for When Choosing an Insurance Agent?

Consider buying insurance an investment in your family’s future. No one buys insurance for their homes or automobiles with plans or expectations to cash in those policies.

You never want to find yourself in a position where you need to take advantage of your insurance. However, if you ever find yourself in need of it, you want to trust that you have the best possible coverage your money could buy.

This means you need to work with someone who has the following:

  • A reputation for honesty.
  • A long history of experience in your community.
  • The lay of the local landscape.

These things may seem a bit over the top but when you’re buying insurance for your home in the heart of the Siberian Express you do not want to work with an insurance agent in Miami who has never seen a snowflake and doesn’t understand what millions of those tiny things can do to a roof, tree limbs, or roads.

Why Choose a Neighborhood Agent?

In addition to knowing the lay of the land, locally speaking, a neighborhood agent is also part of the community. He does his shopping and attends church in your community. His kids play little league baseball or hockey in the same league your kids play in.

He’s part of the community where you live so he has a vested interest in doing right by all of his customers. Finally, he’s there when you need him. He’s not three thousand miles away when Mother Nature stops playing nice with your house or when someone drives through your bay window. He’s right down the road and accessible to you when you need him most.

M.L. Bruenn Co, Inc. is proud to service New Rochelle and the surrounding towns. We have been in the insurance business for over 75 years and look forward to more years serving the community. We take great pride in running a business focused on personal relationships, we get to know all of our customers — giving you a better overall customer experience.

Give him a call today and let us help you come up with an insurance plan that is sure to meet your needs as well as those of your family.

 

 

Is Your College Student Covered By Your Insurance

Wednesday, December 19th, 2012

Insurance Agent | M.L. Bruenn | Progressive Agent | New Rochelle | White PlainsLots of parents are curious about whether or not their precious son or daughter heading off to college is covered by their insurance, whether medical insurance or liability insurance. The answer to this might be quite surprising since the majority of health insurance policies cover your dependents up to the age of 25 (with Obamacare, that age has even increased to 26). Of course, plans vary, which means that they have their own specifics.

Further, if a parent’s son or daughter is off at college and living in a dorm, then it may be a ripe time for a conversation regarding the meaning of the phrase “full time”. Just one dropped college class could actually result in no medical insurance coverage! It would also be a good idea to check out any out-of-network costs, should your kid’s college be a significant distance away from home. If your insurance policy fails to cover your college-age child, or you are worried about the out-of-network expenses, you may be interested in buying a temporary policy for your child. Some schools do offer them, yet some people remain skeptical about purchasing these from the school itself. These have a bad reputation in that they can be tricky, which is why parents are advised to always read the fine print of any temporary policies offered by schools.

In the hopefully unlikely event of a robbery, your kids will still be covered by your insurance policy because they are your dependents. Since dependents are considered part of their parents household, children’s possessions are going to be covered under the parents homeowner’s policy, even if they are away at college and living in the dorms. Still, what parents should not overestimate is the amount of coverage that their homeowner’s policy offers their collegiate children. In some homeowner’s policies, the coverage for stolen possessions may be somewhat limited. Therefore, it is in the best interest of both parents and kids to double-check the policy and then judge whether or not renter’s insurance may not be the superior choice. If such a dilemma presents itself, why not play it safe and call up your insurance agent to see what he thinks about the choice.

All told, it is indeed wise to ensure that your life insurance coverage is sufficient if you are shouldering any fraction of financial accountability for your kids college education. This is why it is useful to consult with an insurance agent.

For more information on your insurance needs, and for the needs of your family members, contact Tom Bruenn by email, Tom@InsureUsAll.com or request a quote.

Call today for a free quote 914-632-2222 or email us at Tom@insureusall.com


M.L. Bruenn Co, Inc. | 240 North Ave Suite 200 - New Rochelle, NY 10801