David B. Rubin

PO Box 813, Brewster, NY  10509

Claims: 914-980-6776       Insurance : 845-661-7346
Real Estate: 914-276-0900

Auto Insurance

Automobile Insurance

Auto Insurance

Auto insurance protects you and your family from financial disaster in the event of an accident, theft or other cause of loss. It covers the injuries and damages caused by an accident for which you are legally responsible to pay.  It will also protect you if an uninsured or under insured person is involved in an accident with you.   The Bodily Injury component will pay your medical bills that can accumulate if you or your passengers are injured in a car crash.  Property Damage covers the costs of repairing or replacing damaged vehicles as well other items you may be liable for, such as guard rails, traffic lights, and street signs.  Liability insurance is to protect you against a significant loss you may be liable for if you were at fault and caused a serious injury to someone.  An umbrella policy will increase your liability coverage and extend that higher coverage to your homeowners insurance policy as well.

If you own a car that is 25 years old or older, or that is a special interest or modified vehicle that you drive 2,500 miles or less per year, you could be eligible for special automobile insurance.  Collector or antique policies are about one-fourth the cost of keeping your special car on your regular auto insurance policy.

Auto insurance companies offer many discounts to help keep your premiums as low as possible.

Discounts vary by state. Types of auto insurance discounts available include:

  • Accident Free: In some states you may be eligible for a discount based on your driving history.
  • Good Student: Drivers under 25 years of age who are full-time students in high school or college and have good grades may qualify.
  • Auto/Home: You can save money on both auto and homeowners insurance by purchasing both of these policies from the same carrier.
  • Multi-Car: If you own two or more vehicles and insure both of them with the same carrier, you may qualify for the Multi-Car discount.
  • Teen Driver: Teens who have completed a driver safety awareness program may qualify for a discount.
  • Safe Driver Programs:  If you have taken an approved safe driver course in the past 3 years you may qualify for a discount.
  • Alternative Fuel - Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages from some companies.

In addition to auto insurance, we also provide coverage for boats, personal watercraft, ATV’s, recreational vehicles, antique and modified vehicles, trailers, and more.

Car Insurance

Car insurance protects you and your family from financial disaster in the event of an accident, theft or other cause of loss. It covers the injuries and damages caused by an accident for which you are legally responsible to pay.  It will also protect you if an uninsured or under insured person is involved in an accident with you.   The Bodily Injury component will pay your medical bills that can accumulate if you or your passengers are injured in a car crash.  Property Damage covers the costs of repairing or replacing damaged vehicles as well other items you may be liable for, such as guard rails, traffic lights, and street signs.  Liability insurance is to protect you against a significant loss you may be liable for if you were at fault and caused a serious injury to someone.  An umbrella policy will increase your liability coverage and extend that higher coverage to your homeowners insurance policy as well.

Antique Auto Insurance:  If you own a car that is 25 years old or older, or that is a special interest or modified vehicle that you drive 2,500 miles or less per year, you could be eligible for special automobile insurance.  Collector or antique policies are about one-fourth the cost of keeping your special car on your regular auto insurance policy.

Car insurance companies offer many discounts to help keep your premiums as low as possible.

Discounts vary by state. Types of auto insurance discounts available include:

  • Accident Free: In some states you may be eligible for a discount based on your driving history.
  • Good Student: Drivers under 25 years of age who are full-time students in high school or college and have good grades may qualify.
  • Auto/Home: You can save money on both auto and homeowners insurance by purchasing both of these policies from the same carrier.
  • Multi-Car: If you own two or more vehicles and insure both of them with the same carrier, you may qualify for the Multi-Car discount.
  • Teen Driver: Teens who have completed a driver safety awareness program may qualify for a discount.
  • Safe Driver Programs:  If you have taken an approved safe driver course in the past 3 years you may qualify for a discount.
  • Alternative Fuel - Owners who drive hybrids and other alternative fuel vehicles may save 5% on all major coverages from some companies.

At Brewster Hill Insurance Brokerage, Brewster, NY we strive to provide you with the best combination of car insurance coverage and value.

Term Life Insurance

Personal Watercraft Insurance

 

Whether you own a personal watercraft, small ski boat, fishing boat, or a 26-foot cruiser, knowing that you’re covered by the best possible insurance carrier will provide peace of mind.  Because we are an independant insurance broker, we shop the best companies for you to provide optimal coverage and value for you.

 

What We Insure

We insure a full range of recreational boats including:

  • Bass Boats
  • Fish and Ski
  • Cabin Cruisers
  • Sailboats
  • Pontoons
  • Jet Boats
  • Ski Boats
  • Runabouts
  • Personal Watercraft

 

Boat Insurance Coverage

Boat Insurance provides protection against physical damage losses to the boat, machinery and equipment.  This is referred to as Hull Insurance.  While the boat insurance industry does not use the terms comprehensive and collision, if you are familiar with these terms for automobile insurance, this would be the equivalent coverage.  Each boat insurance company will have a different definition of Hull Insurance.  One of the insurance companies that we represent defines it as “accidental, direct physical loss or damage to the boat and equipment as well as salvage charges.”  Hull Insurance is broad and may include spars, sails, machinery, furniture, dinghies/tenders, outboard motors, fittings and other equipment normally required for the operation or maintenance of the vessel.

 

Your Watercraft Insurance Coverage Options

Your watercraft needs protection on the water, and on land, and with coverage for you and your guests.   Speak to an agent at Brewster Hill Insurance Brokerage, Brewster, NY to learn how we can help you.

Motorcycle Insurance

Motorcycle Insurance

Motorcycle Insurance

Insure your bike with Brewster Hill Insurance Brokerage, Brewster, NY.  We work with motorcycle insurance companies that have been doing it for 35 years or more, and offer customer service and claims response that is available 24 hours a day to help you.

Customized Motorcycle Insurance

Build a customized policy to fit your needs. You can receive plans that cover accessories, provide comprehensive and collision coverage, loss settlement options, bodily injury and medical payments, and roadside assistance.

Coverage for Different Types of Bikes

Our insurance carriers cover many types of bikes, such as scooters, dirt bikes, mopeds, trikes, and classic or antiques.  Contact us to learn more at 845-661-7346.

Other Types of Vehicle InSURANCE

RV

Recreational Vehicle (RV) insurance covers several kinds of vehicles, such as motor homes—including Classes A, B, and C; motor coaches; and camper vans—as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers.

If you’re searching for insurance for motor homes, travel trailers, or camper vans, than contact us at Brewster Hill Insurance Brokerage, Brewster, NY at 845-661-7346 or email us at david.rubin@brewsterhillins.com

Classic + Modified

 

The biggest benefit to Classic or Modified insurance for your car or motorcycle is the savings you enjoy.  Rates from these special insurance companies are significantly lower than the companies who insure your regular-use vehicles. Policies still offer full coverage that includes comprehensive, collision and liability, uninsured and/or underinsured motorists, spare parts and tools coverage, and Guaranteed Value.  With guaranteed value the company will agree on the insured value, and in the event of a covered total loss, you’re guaranteed to receive that amount.  (“Actual Cash Value” or “Stated Value” policies may depreciate your vehicle in the event of a claim)

Most policies also offer roadside assistance, as do most regular insurance companies and AAA.  Typically though, a classic car roadside assistance will guarantee flatbed service, which is preferable with an older or fragile vehicle.

If you have a classic, modified, or special interest vehicle, on the road or under restoration contact Brewster Hill Insurance Brokerage, Brewster, NY.  We are a broker and work for the client, not the insurance company.

 

ATV

Get the ATV insurance you need with the proper coverage at the right price.   Like cars, riding an ATV carries certain risks.   Insurance risks such as liability, bodily injury and property damage are real, even though to many ATV’s are toys.  ATV Insurance can pay for yours and other people’s medical costs, as well as their lost wages and your legal expenses.

Collision helps covers damage to your ATV if you hit another vehicle, another vehicle hits you, or your ATV rolls over. This coverage may also include money for safety apparel.

 

Comprehensive insurance helps pay for damage to your ATV not caused by a collision. This can include damage or loss from theft, vandalism, falling objects, fire, flood and certain other natural disasters. Comprehensive may also cover custom parts and equipment.

Uninsured or underinsured ATV coverage helps pay for repairs to your all-terrain vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. It also helps pay the medical costs for you and your passengers if an accident caused by an uninsured or underinsured driver results in injury.  Medical payments helps pay for medical bills for the treatment of injuries resulting from a covered accident, regardless of who is at fault.

An original equipment manufacturer (OEM) endorsement ensures that aftermarket and salvage replacement parts won’t be used to repair your vehicle.

Contact us at Brewster Hill Insurance Brokerage, Brewster NY to answer your questions at 845-661-7346 or email us at david.rubin@brewsterhillins.com

 

Insurance services provided in NY, CT and NJ.  

Real Estate NY and CT. 

©2020 Brewster Hill Insurance Brokerage

Claims: 914 - 980 - 6776
Info/Insurance: 845-661-7346
Real Estate: 914-276-0900