Forman And Murray Insurance Agency, Inc
2424 Rte 52, Suite 2B, Hopewell Junction, NY 12533
View this agency's profile to learn more about their services.
Loading...
City directory
Hopewell Junction households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2424 Rte 52, Suite 2B, Hopewell Junction, NY 12533
View this agency's profile to learn more about their services.
48 Ridgemont Dr, Hopewell Junction, NY 12533
View this agency's profile to learn more about their services.
1 Four Corners Blvd, Suite 1, Hopewell Junction, NY 12533
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hopewell Junction residents.
Get the complete 2025 guide to home insurance in Hopewell Junction, NY. Learn about coverage, costs, weather risks, and how to save on your policy.
General Insurance EducationEssential insurance guide for Hopewell Junction, NY residents. Learn about auto, home, flood, and life coverage needs for Metro-North commuters in Dutchess County.
Car InsuranceComplete guide to auto insurance in Hopewell Junction, NY. Learn about no-fault requirements, PIP coverage, rates in Dutchess County, and how to save money.
No, New York state law doesn't require homeowners to carry home insurance. However, if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without insurance is a massive financial risk that most homeowners can't afford to take.
No, standard homeowners policies specifically exclude flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Even if you're not in a designated flood zone, flooding from heavy rain can happen, and flood insurance is relatively affordable outside high-risk areas.
Several factors are driving rate increases: more frequent severe weather events linked to climate change, rising construction and repair costs, and increased claims for weather-related damage like frozen pipes and storm damage. Some areas in the Hudson Valley saw insurance cost increases of 20-67% between 2023 and 2024, with industry forecasts projecting continued increases in 2025.
Your dwelling coverage should be enough to completely rebuild your home at current construction costs, not just your home's market value. For personal property, most policies offer 50-70% of dwelling coverage, but you should inventory your belongings to ensure that's adequate. Liability coverage of at least $300,000 is recommended, though many homeowners choose $500,000 or $1 million.
Yes, several strategies can reduce costs: increase your deductible if you have emergency savings to cover it, bundle home and auto insurance with the same company, install security and fire detection systems, update your roof and major systems, and shop around every few years. Ask your insurer about all available discounts—many people miss savings they're eligible for.
First, find out exactly why you're being non-renewed—it might be claims history, the age of your home, or changes in the company's underwriting. Address any fixable issues like old roofs or outdated systems. Then shop for new coverage immediately; work with an independent agent who can access multiple insurers. In some cases, you might need to use New York's FAIR Plan as a last resort, though it's more expensive and offers limited coverage.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network