Libardi Service Agency

10/15/2026

A covered loss can put immediate pressure on your business. Understanding how your policy settles a claim is an important part of protecting your operations and your bottom line.

Actual cash value (ACV) generally reflects an item’s depreciated value at the time of loss. Replacement cost value (RCV) is designed to help cover the cost of replacing damaged property with comparable new property, subject to your policy’s terms and conditions.

The difference can be significant after a claim. Our team can help you review your business insurance coverage, understand your settlement options, and identify gaps before a loss occurs.

Contact Libardi Insurance to discuss your policy and risk-management needs.

10/14/2026

It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

10/13/2026

A serious accident or liability claim can exceed the limits of your auto or home insurance sooner than many people expect.

Umbrella liability insurance adds an extra layer of protection above qualifying personal policies, helping safeguard your savings, property, and future earnings when a covered claim is larger than your underlying coverage.

At Libardi Insurance, we help individuals and families throughout New York review their personal insurance protection and identify gaps before an unexpected event puts their assets at risk.

Contact our Hicksville team at (516) 333-3611 to discuss whether umbrella coverage may be right for you.

10/12/2026

Insulating your pipes, cleaning your gutters and chimney are all good projects to invest in now to prepare for winter. Follow these fall home maintenance tips and prepare your home for the coming winter months. Learn more.

10/08/2026

Fire Prevention Month is a timely reminder that protecting your home starts with everyday habits.

A few important fire-safety steps to review:
• Test smoke alarms regularly and replace units that are 10 years old or older.
• Keep an updated home escape plan with two exits from each room and a designated outdoor meeting place.
• Never leave cooking, space heaters, fireplaces, or candles unattended.
• Keep flammable items at least three feet from heat sources.
• Avoid overloaded outlets and replace damaged electrical cords promptly.
• Make sure everyone in your household knows how to use a fire extinguisher—and when it is safer to evacuate and call 911.

Preparation can help reduce risk and give your family more confidence in an emergency. For questions about protecting your home with the right insurance coverage, Libardi Insurance is here to help.

(516) 333-3611

10/06/2026

Cyber threats can affect businesses of every size, and small to mid-sized organizations are often especially vulnerable.

During Cybersecurity Awareness Month, we encourage business owners to take practical steps to strengthen their defenses:
• Use strong, unique passwords and multifactor authentication
• Keep software and security updates current
• Train employees to recognize phishing attempts
• Back up important business data regularly

Even with thoughtful prevention and risk management measures, a cyber incident can still occur. Cyber liability insurance can help your business respond to expenses related to data breaches, ransomware, business interruption, and more.

Our team at Libardi Insurance can help you review your business insurance coverage and understand your cyber liability options. Contact us today at (516) 333-3611.

10/02/2026

Deer activity increases in the fall, particularly around dawn and dusk. For businesses with employees behind the wheel, that can mean a greater risk of collisions, vehicle damage, injuries, and unexpected downtime.

A few reminders for drivers:
• Stay alert in wooded and rural areas
• Reduce speed when visibility is limited
• Watch for additional deer, as they often travel in groups
• Avoid swerving suddenly if a deer enters the roadway

At Libardi Insurance, we help New York businesses review commercial auto coverage and risk-management strategies so they can make informed decisions about protecting their vehicles and employees.

If you would like to review your business insurance coverage, contact our Hicksville team at (516) 333-3611.

10/01/2026

Big ideas can change the way we live, connect, and plan for the future.

This October, we are reflecting on a few historic milestones—from the opening of Walt Disney World to the first long-distance telephone conversation and the introduction of the iPod. Each began with a vision that created a lasting impact.

At Libardi Insurance, we believe thoughtful planning matters, too. The right personal, home, car, or business insurance coverage can help protect what you have built and give you greater confidence in what comes next.

Which October innovation has had the biggest impact on your life? Share your thoughts in the comments.