The Power of Choice
With over 20 Carriers to choose from, we deliver the right coverage at the right price.
Come visit our new location!
26 Hope Plaza, Rte. 9W
W. Coxsackie, NY 12192
(Intersection of 9W & 385)
Hours: 8:30 - 4:30 M-F
(518) 731-6121
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Products
While some types of insurance are mandatory, you still have a choice in which company you can work with. Thank you for considering Henke Warren. We promise to provide you with great service and great prices.
Henke Warren is an active member of our community and proud to support the following organizations:
Copyright (C) 2010 Henke Warren Insurance
Homeowners Insurance
Our agency offers a variety of comprehensive homeowners insurance policies. These plans can be tailored to suit your budget and individual needs.
Policies typically include a full complement of standard features that cover your dwelling, personal property and other structures. Policies can also include liability protection, loss of use and medical payments to others. We can work with you to find the right coverage and can adjust premiums by adjusting deductible amounts as well as applying discounts and credits. We can also add endorsements to your policy to broaden the protection limits even further.
When we discuss your options with you, we will ask you a number of questions to identify available discounts and credits. For example, discounts may be available if you have a functioning alarm system or sprinkler system. Top of page.
Automobile Insurance
You count on your car to get where you’re going. Shouldn’t you have a car insurance policy you can count on, too? Henke Warren will make sure your policy fits your needs and budget. Keep in mind that there are lots of ways to save on your car insurance coverage. Save when you insure more than one vehicle, when you stay accident-free, and when you insure both your car and home. Give us a call or stop in to learn more about auto insurance discounts.
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Debbie - thank you for taking the time to sit with me and my husband and explaining the details of our plan. Insurance can be confusing, but you made it very clear. Thanks for your patience.
-Elizabeth from Hudson
Renters Insurance
Sometimes called apartment insurance, a renters insurance policy helps protect the personal property you keep inside your residence, including:
- Furniture
- Televisions
- Computers
- Clothing
- Jewelry
Most policies also provide liability coverage, which gives you financial protection if someone is accidentally injured on the rental property. Find out how affordable renters insurance coverage can be by calling our office and talking to one of our agents.
Umbrella Policy
While often misunderstood, umbrella policies are a very important protection that most people should consisder. Umrella insurance provides you with a canopy of protection against catastrophic financial events. Picture this:
- Someone slips in your yard and successfully sues you for $2 million. But your homeowners insurance tops out at $500K.
- Your teenager is at fault in a major car accident, harming several people and causing damage well in excess of your $300,000 car insurance coverage limits.
- Your dog bites and seriously injures a child. You are liable for the extensive medical expenses.
These are just a few very unfortunate situations in which a personal umbrella policy could come to the rescue by providing additional coverage up to the limits of your umbrella policy.
In other words, once your primary insurance coverage runs out—whether it’s your homeowner’s insurance, car insurance, or boat insurance—your personal umbrella policy kicks in. Plus, umbrella insurance covers many situations that typically aren’t covered by other liability policies. Top of page.
Recreational Vehicles
Vehicles used for recreation have special insurance needs. Ask one of our agents about the best way to protect your motorized vehicles.
- RVs / Motorhomes
- Travel Trailers
- Motorcycles
- ATVs
- Boats
- Snowmobiles
Hard-to-Insure Drivers
We’ve all made mistakes. For some, forgetting to make insurance payments or blemishes on their driving record may make it difficult to obtain insurance. Henke Warren is able to work with insurance carriers to get coverage for almost any driver.
Life Insurance
Life insurance offers financial support to the dependents and beneficiaries of the person insured. In addition, it provides a measure of financial security to your beneficiaries (family, loved ones) so that upon death they will be able to meet financial responsibilities that were previously covered by your income. Payouts on policies can be paid in a lump sum or in several installments. The amount of money you pay to your company is called a premium. Top of page.
There are several types of life insurance available to you including Term-Life, Permanent/Whole Life, Universal Life, Excess Interest Whole Life, Variable Life… etc. Yes, it can be confusing however given the benefits of life insurance, it makes sense for you to talk with an expert and learn about what flavor is right for you. Top of page.
Mobile Home Insurance
Mobile home insurance (also called ‘Manufactured Home Insurance’) is similar to regular homeowner's insurance, but it's tailor-made for mobile homes, so you know you'll be getting the right protection. Mobile home policies cover the mobile home itself and a good number of your personal belongings. Plus, you could get liability coverage to help cover certain types of accidents on your property. Top of page.
Business Insurance
Your business is one-of-a-kind, so you may need flexible business and commercial vehicles insurance plans as unique as your company to help protect everything you've worked so hard to build. That's why you should consider Allstate to help handle your business insurance needs. Because we've helped protect all kinds of businesses for over 60 years, you can be confident you'll get the personalized products and service you expect from an insurance industry leader. Top of page.
**NEW** Bobtail Insurance
Coverage of a common carrier for liability on trucks that have delivered their cargo and are on the way back to the terminal. The company that hires the truck assumes liability while the truck is loaded, but after delivery, that firm's liability ends. The carrier can be protected by bobtail liability coverage for the return trip. Contact us today for more information. Top of page.
Walk-Ins Welcome!
26 Hope Plaza, Rte. 9W
W. Coxsackie, NY 12192
Hours: 8:30 - 4:30 M-F
(518) 731-6121 Fax: 518 731-2525
