Call: 203-637-6655 or email – Kyle Shepard

Dysfunctional but Rational
Comprehensive Coverage / Home Insurance August 4, 2020

Dysfunctional but Rational

Dysfunctional but Rational Why is my home value $3M but is insured to rebuild for $4.5M? We hear this question on just about every home insurance policy we renew for our clients. The easy response is that constructions costs bear little correlation with today’s real estate property values. "Why is my home value $3M but [...] Read More
Why upgrade to a Premium policy for your Townhouse/Co-op/Condo?
Comprehensive Coverage / Home Insurance July 21, 2020

Why upgrade to a Premium policy for your Townhouse/Co-op/Condo?

Why upgrade to a Premium policy for your Townhouse/Co-op/Condo? Coverage upgrades add Significant Value Beyond how you decide to decorate your property in New York City, ownership presents some unique challenges in determining who is responsible for what, when it comes to insuring your property. Is it the building association's responsibility or should you have [...] Read More
Taking Steps
Comprehensive Coverage / Home Insurance June 30, 2020

Taking Steps

Taking Steps Re-organizing AIG Private Client Group On Monday AIG announced that it has entered into an agreement with Safeco Insurance, (a Liberty Mutual Company) and Heritage Insurance to offer AIG agents the opportunity to transition their upper middle personal insurance business to Safeco and Heritage. The transition is to begin in the fall of [...] Read More
Location Search
Comprehensive Coverage / Home Insurance June 30, 2020

Location Search

Location Search The new normal for Home Insurance Securing homeowners insurance for a new home, and even continuing an existing home insurance policy has evolved into a new dynamic, driven by location. If your location is what we refer to as low hazard, you should have options. If your exposure/risk is high it could be [...] Read More
Protecting your Wine
Comprehensive Coverage / Home Insurance June 9, 2020

Protecting your Wine

Protecting your Wine Is your collection safe? It’s not unusual in our area for homes to include a wine cellar or for someone to spend a significant amount of money to add a temperature controlled cellar in order to house growing inventories of fine wine. "Is your collection safe?" But is the wine well protected? [...] Read More
Client Alert
Comprehensive Coverage / Life Insurance / Protecting Assets May 19, 2020

Client Alert

Client Alert Understanding the Hard Edge of Guaranteed Universal Life Insurance In February 2020 I wrote a blog post regarding the use of Guaranteed Universal Life insurance. It’s clear that declining interest rates for a prolonged period of time have damaged the Universal Life policies, and the evolution of the damage was GUL - Guaranteed [...] Read More