Our Insurance Products
The convenience of driving is something to be enjoyed and appreciated. However, with the privilege of driving comes inherent risks and cautions. Safe driving requires you to be constantly aware of your surroundings and to be attentive and responsible. Coupled with safe driving practices, it is critical for every driver to have an effective auto insurance policy. In fact, having some form of coverage is required by law in many states. At Terpening & Associates Inc. located in Latham, our goal is to provide affordable coverage tailored to your needs and the drivers in your family.
Because there are so many different types of auto insurance to choose from, it can be confusing to know which ones are most appropriate for your needs. Terpening & Associates Inc. can sit down with you to discuss your concerns and the type of coverage you have in mind. They will take the time to assess your needs to determine what combination of policies would best suit you. Whether you decide on collision coverage, liability coverage, comprehensive coverage, or another type of insurance, you can be confident you have chosen a policy that is effective and customized to meet your requirements. Additionally, Nationwide's On Your Side® Review makes it easy to determine changes that need to be made to your existing policy and modify it appropriately.
Choosing an auto insurance policy that provides security for you and the people you love is an important decision. With a convenient office location on 1184 Troy Schenectady Rd, you don't have to travel far for trusted assistance. We look forward to helping you acquire the coverage you need when you give us a call at (518) 782-0001.
Home insurance is not a one-size-fits-all affair. Every home is different and there are many types of factors that determine what kind of coverage is needed. At Terpening & Associates Inc., we can help you figure out the best way to obtain the full coverage you need. Some factors that may affect your home insurance include the age of your home, whether you have a pool or trampoline in the yard, the condition of your home, and many other details. Call us at (518) 782-0001 or visit us at our office on 1184 Troy Schenectady Rd in Latham to explore your options for securing your financial future.
Take the guesswork and headaches out of worrying about risk factors by speaking with Terpening & Associates Inc. about the ways in which Nationwide home insurance products can give you the coverage you need. We can add custom provisions to your policy or provide you with separate policies to ensure that all risks are addressed and fully provided for. Knowledge is power, and our agents are committed to empowering you to make the best decisions for your family and protecting your home. Let us figure out the risks while you enjoy your lifestyle with security and peace of mind.
To get started with the right policy for you, get in touch with Terpening & Associates Inc. who can offer the information and guidance you need. Feel free to bring up any questions and concerns you may have so that we can fully address them.
Getting married, purchasing a new home, or starting a family are all exciting experiences. However, these life events often mean bigger financial obligations. Your increased financial obligations can be a good impetus to taking the necessary step to assure your family’s financial security. Your home is a place of security and pride; be sure to protect your standard of living.
We at Terpening & Associates Inc. proudly work with residents in the Latham area. We want to make sure you have the type and amount of coverage you need so that you and your family are prepared for any eventuality. We will explain in understandable language term versus permanent insurance and we will discuss the types of life insurance that can best fit your needs.
The amount of coverage your family needs is largely determined by factors such as age, income, debt, number of dependents, long-term educational needs, monthly expenses, long-term goals and desired length of coverage. We will explain in easily-understandable terms whole life insurance and universal life insurance and why you may want permanent insurance.
As you enjoy the now, don’t forget to protect your family’s future. Life insurance gives you the peace of mind that comes with preparing for life’s uncertainties. Call (518) 782-0001 and ask to speak to Terpening & Associates Inc.. We can assess your coverage needs and answer all your questions. If you are in the neighborhood, stop by any time. We are located at 1184 Troy Schenectady Rd,Latham,NY,12110. We look forward to seeing you.
You know that you need to have business insurance to protect your company, yet understanding the exact types of coverage your company requires is another matter. You're right when you assume that it's impossible to predict every potential risk that your company may face. At the same time, however, you can't allow that uncertainty to leave you exposed to the potential of a major loss. Fortunately, we here at Nationwide Insurance: Terpening & Associates Inc. may have the comprehensive insurance solution that you've been searching for to keep you protected in almost every situation.
We work with Nationwide to offer a businessowners policy (BOP) to qualifying businesses that is as close to complete and total insurance coverage that you can find in Latham. A BOP is essentially a suite of separate coverages designed to protect you from liability exposures. A basic BOP includes protection against property damage and general liability concerns, as well as business income reimbursement (which can pay you should you have to temporarily cease your operations due to a covered cause). You can also build onto your BOP by adding auto insurance coverage and protection against equipment damage or professional and cyber liability concerns.
With a BOP from Nationwide, you don't have to spend time worrying about unanticipated and unpreventable risks your company may face. As Terpening & Associates Inc. can attest to, such coverage serves as a veritable security blanket for you and your business. Setting up a BOP won't take much time. Simply call us at (518) 782-0001 to set up a time to stop by our office on 1184 Troy Schenectady Rd, and we'll get you well on your way to enjoying comprehensive business insurance protection in no time at all.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Terpening & Associates Inc. also offers products in CT. Please call for information on products in those states.
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