Insurance

  • As your leading, local insurance agents, we are committed to protecting the drivers of our community with the most dependable auto insurance coverage— eliminating the hassle or barriers many face when dealing with a standard insurance company.

    At V Pallante Insurance, we supply you with as many options as possible; allowing our comprehensive insurance strategies to provide you with the opportunity to custom build a policy that meets all of your vehicle coverage needs. Not to mention that we have the ability to provide you with competitive, affordable auto insurance quotes online; allowing you to secure an affordable policy with us from the comfort of your own home!

    It’s important to remember that auto coverage can protect you from loss in the event of an unfortunate accident—making this policy all the more critical. We offer the following options for your auto insurance:

    • Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile.
      Medical or Personal Injury Protection – covers the treatment of the driver and passengers of the policyholder’s car in the event of an accident.

    • Property Damage Liability – covers damages caused to someone else’s property by the policyholder while operating an automobile.

    • Collision – insures the policyholder from loss during a collision with another vehicle or object.

    • Comprehensive – protection for the policyholder’s car from damage and loss resulting from incidents other than collision.

    • Uninsured Motorist Coverage – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver.

    We recognize that you want to make sure you’re fully covered for a range of vehicle risks—yet at the same time you’re trying to keep premium expenses at the forefront of your mind. That’s why our insurance specialists are dedicated to helping you find the most comprehensive, dependable and affordable auto insurance. Residents can rest assured that when they secure their coverage with V Pallante Insurance, they are properly protected!

  • Your home-most likely is the largest investment you will ever make in your lifetime. So, let’s understand the three values that apply to every home and which one applies to your homeowner policy:

    Market Value – is based on supply and demand. It is the amount a buyer is willing to pay for your home, based on the condition of the home and the supply of homes in your area, regardless of what it would cost to rebuild it. Homeowner’s insurance does not take the market value into consideration at the time of loss.

    Assessed Valuation – this value is set by the municipality to fund their budget and homeowner’s insurance does not take that value into consideration at the time of loss.

    Replacement Cost – is the cost of labor and material to rebuild your home at time of loss. This is what your homeowner’s policy will cover at the time of loss.

    Now that you know that your homeowner policy will pay the replacement cost to rebuild your home – the question becomes – how to determine the cost to rebuild your home? This is not an exact science, but this is what our agency will do to help you arrive with the approximate replacement value of your home:

    • Take outside pictures of your home

    • Do a measurement of the outside

    • Review the type of construction

    • Discuss with you all the rooms in the house together with all of the upgrades and any unique features

    • Do a Marshall and Swift appraisal of your home

    • Since the principal of our agency is a Realtor and has built six homes- he is extremely qualified to assist you in determining the replacement value of your home.

    Homeowner insurance is not something you should cut corners on to save a few dollars-should a loss occur, you will be best served if you did your due diligence with a qualified insurance agency.

    Combine your home and auto insurance in one policy to save 20% 

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    CONDOMINIUM UNIT OWNER INSURANCE

    Condominium unit owner insurance covers all your personal property (contents) and other items that pertain exclusively to your unit. You need to determine from the condo association the extent of their coverage for your unit. Their policy can be written on three different forms, that is:

    1.  A policy that insures only the building and common areas;

    2. A policy that insures the building and any items in your unit, other than personal property;

    3.  A policy that insures the building, your unit and any fixtures or improvements that you made to your unit.

    Once you determine which of the above three policies your association provides, contact our office and we will assist you in constructing the proper coverage for your specific needs.

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    RENTERS INSURANCE

    First and foremost, understand that the landlord’s insurance does not afford any coverage for your contents or liability.

    A renter’s policy, a/k/a a tenant’s homeowner policy, affords the below coverage:

    • Loss of personal property (contents), furniture, clothing, computers, electronics and bikes, etc.

    • Losses caused by weather, fire, storms, wind, hail, lightening, freezing of a pipe, weight of ice, snow or sleet.

    • Losses not weather related-theft: vandalism and riots.

    • Personal liability

    • Medical payments

  • Planning for the future can be challenging on many levels, but the experienced agents at Pallante Insurance are available to assist you. With a life insurance policy, you will feel more secure about moving toward the future. Our agents are experts on life insurance coverages and can help you streamline the process of selecting a life insurance policy.

    Our dedicated team of life insurance professionals understands the market and regulations and can find the right plan – or mixture of plans – for your specific needs.

    Term Life Insurance Basics:

    • Coverage for a “term” or period of your life.

    • Lower premiums for higher coverage.

    • Rates can change after specific terms expire.

    • No equity – cannot be used as cash value.

    Whole Life Insurance Basics:

    • Exactly like it says – permanent, not for a specific period.

    • Protection carries with you your whole life.

    • Can build equity and have cash value.

    • Higher premiums than term life, but can be more valuable in the long run.

    Term and Whole Life Combined:

    • Build lifelong base of whole life coverage.

    • Supplement specific times of your life with term insurance.

    Determining the appropriate type of life insurance can become an overwhelming task. V Pallante Insurance is available to assist you while selecting a life insurance policy. The peace of mind you will feel knowing that your beneficiaries are protected if something happens to you is incomparable.

    Call V Pallante Insurance today for more information about life insurance.

  • BUSINESS OWNERS POLICY

    This is a great program for the small to medium-sized businesses. A business owners policy packages together many coverages in one policy, thereby eliminating the need for the business owner to elect the type and limit of coverages for all of the ancillary items of coverage.

    However, the coverage for your building, contents, crime and general liability, needs to be discussed with a professional insurance agent. There are also other coverages that can be added at a minimal cost.

    Examples of Some Additional Coverages

    • Business Interruption

    • Computers

    • Employee Dishonesty

    • Robbery of Money

    • Non-Owned and Hired Liability

    • Cyber Liability

    • Employment Practices Liability

  • If an employee is injured on the job and requires medical treatment, your workers compensation policy will pay those bills.

    Your policy will also cover lost wages and services that help the employee recover and get back to work, as soon as possible.

    No matter what type of business you operate, you have a legal obligation to keep your employees safe at work. This responsibility will be fulfilled by purchasing a workers’ compensation policy. It will also provide benefits for the dependents of employees who lose their life, due to a work-related accident or illness.

    Limits of coverage are very important, that is, the minimum limit of coverage is $100,000/$500,000/$100,000, however for a slight increase in premium, you have the option to increase your coverage to $500,000/$500,000/$500,000 or $1,000,000/$1,000,000/$1,000,000. We strongly recommend the highest limit.

    All workers’ compensation insurance policies are auditable at the discretion of the insurance company. That is, at the inception of the policy, you must advise the insurance company of what your “estimated payroll” will be for your type of business. After the policy expires, the insurance company will audit your payroll to determine your “actual payroll.” If your audited payroll is less than your estimated payroll, you will be entitled to a return premium. Conversely, if your audited payroll is higher than your estimated payroll, you will have an additional premium due the insurance company.

    Learn How to Reduce Your Premium

    • Upfront Credits

    • Managed Care Credits

    • Backend Dividend

    • Checking Experience Modification Factor

    • Getting Out of the Assigned Risk Pool

  • A personal umbrella liability policy is written to provide higher limits of coverage, over the limits that are provided on your personal automobile and homeowners insurance policies. Limits for an umbrella liability policy start at $1,000,000 and can be increased to $25,000,000.

    You do not need to own a home to qualify for a policy, that is, if you are a tenant and have a renter’s policy, or if you are a condo unit owner, you also qualify for the policy.

    As you know, in today’s society, many law suits are filed for the most frivolous incidents; e.g. your child leaves their toy on the sidewalk and someone trips on it. You hit someone with a golf ball on the course or you have a dog, trampoline and/or swimming pool on your property, you are in danger of a substantial lawsuit.

    The premium for a personal umbrella policy is not expensive and usually costs under $300 annually for a $1,000,000 policy. Your policy should begin and end on the same dates as your auto and homeowners’ policies. Even if these policies do not have a common expiration dates, they can be adjusted to expire on the same day. Most importantly if you combine your auto, homeowners and umbrella liability policies with one insurance company, you will receive a 20% discount, one bill, with one company, payable on ten {10) monthly installments.

    Please call to see how to achieve the savings by combining your auto, homeowner and umbrella coverages with one insurance company.


  • Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. It’s important to protect your livelihood with adequate coverages and limits that match your exposure in case your business is threatened.

    Who needs it?

    Contractors, subcontractors and independent tradesman should carry contractors insurance. It not only protects your business, but it’s often a requirement by many employers before you can start working for them. Common trades that need contractors insurance include:

    • Construction

    • Carpenter

    • Plumber

    • Electrician

    • Landscaper

    • Painter

    • Handyman

    • Heating & Air

    • Floor Installation

    • Pressure Washer

    • Mason

    • And more!

    It’s always good to have insurance in case of mishaps, even if you don’t contractually need coverage.

    How much does it cost?

    One of the most influential factors that affects your contractors insurance cost is the type of work that’s involved in your specific trade. For example, a roofing contractor is exposed to risks that an HVAC technician isn’t, and vice versa. Therefore, you could expect their rates to differ.

    Other factors that affect the cost of contractors insurance are employees, coverage needs, vehicles, location and claims history.

    Customizing a quote to match your specific business is the only way to know you’re getting an accurate rate and enough coverage. Start by calling us or starting a quote online.

    Basic coverages

    • General Liability: Typically needed before a contractor can begin work on a job. It could cover you if your business is liable for things like injuring people, damaging property or for faulty work.

    • Commercial Auto: Protection for vehicles used for work or to transport tools and other contractor materials. You have the choice to cover attached equipment such as ladder racks and permanently attached tool boxes. Individual tools and materials usually aren’t covered under this policy.

    Other coverages contractors might need

    • Business Owners Policy (BOP): Packages contractors liability and coverage for personal property and commercial buildings into one policy.

    • Workers’ Compensation: Protects if your employees become ill or injured while at work.

    Get your free quote today!

    We’ve made it easy for you to shop for all your contractors insurance in one place. Simply call us to speak with a licensed agent who can help you with your commercial auto and business insurance quotes.