Insurance Coverage That Protects

We Don’t Just Sell Insurance, We Offer Protection.

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Home Insurance

Coverage that protects your biggest asset.

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Auto Insurance

Protecting you on the road at a price you can afford.

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Renters Insurance

Get the protection you need for your rental property.

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Business Insurance

Solutions for companies of all sizes.

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As an independent agency, we are here to help you find the right coverage.

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Securing coverage for New York statewide, in addition to New Jersey, Delaware, Georgia, and South Carolina.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

The Premium Select Group Inc.

The Lower Hudson Valley’s local independent insurance agency.

Getting to know and understand your needs, wants, and long-term goals is our ultimate focus. As an independent insurance agency, we take the time to help you develop, implement, and monitor a strategy that’s designed to address your unique situation. Why? Because we care.

We understand the challenges families face today because we live it too. One of the advantages of using a local, independent agent is the level of care, experience, and appreciation for each client’s policy. Our agents work to satisfy your needs, and our reputable, strong insurance companies allow us to offer you secure coverage at an affordable price.  Read more about us!

Uncover risks.
Get protected.
Feel secure.

Helping You Find Coverage You Deserve

Providing a variety of personal insurance and business insurance solutions is what The Premium Select Group Inc. does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.
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“Awesome agency. Steve always goes above and beyond to keep me in the loop and save me money where it makes sense. Unlike many other places, he doesn’t just get me the cheapest cut-rate insurance, but he gets me a great deal with coverage that actually protects.”

– Lee Hathaway
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75+ Five-Star Ratings

Our clients appreciate our products and service; see what they’re saying.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Renters

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Renters Insurance 101

Make sure you cover the unique risks you face with renters insurance.

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As an independent agency, we are here to help you find the right coverage.

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Middletown, NY

32 County Rd 78
Middletown, NY 10940

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