Aebly & Associates

08/27/2026

Don’t Let Floods Catch You Off Guard. ☔ Find out if you’re eligible for flood insurance and dive into coverage options with your broker at Aebly!

08/19/2026

Q&A: Is insurance coverage different for different businesses? 🧠 Read more or

08/14/2026

Did you know that insuring your home for at least 80% of its replacement cost is crucial? This is known as the 80% coinsurance rule, and it’s designed to protect you financially in case of major damage or total loss.

💡 What is Coinsurance and why is it important?
It’s a requirement in property insurance that states you should insure your home for at least 80% of its replacement value—what it would cost to rebuild with similar materials. This avoids penalties for being underinsured.

⚠️ What Happens Without It?
If you're underinsured, your insurance company may only cover a portion of your claim. For instance, if you're insured for just 75% of the required amount, they might only pay 75% of the damages, leaving you to cover the rest!

🔍 Tip: Our services will regularly review and update your policy to ensure you meet the 80% threshold, especially after renovations or changes in construction costs. Make sure to get in touch with us if that happens, and don’t let underinsurance catch you off guard!

08/11/2026

08/11/2026

𝐑𝐞𝐧𝐭𝐢𝐧𝐠 𝐚 𝐜𝐚𝐫? 𝐘𝐨𝐮𝐫 𝐫𝐞𝐚𝐥 𝐫𝐢𝐬𝐤 𝐦𝐢𝐠𝐡𝐭 𝐛𝐞 𝐧𝐨𝐭 𝐤𝐧𝐨𝐰𝐢𝐧𝐠 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐡𝐚𝐯𝐞.

Most folks don’t realize their personal auto insurance might already cover rental cars — but it depends on a few key things.

Here’s what to check before you say yes (or no) to that rental counter upsell:

𝗖𝗼𝗹𝗹𝗶𝘀𝗶𝗼𝗻 𝗗𝗮𝗺𝗮𝗴𝗲 𝗪𝗮𝗶𝘃𝗲𝗿 (𝗖𝗗𝗪):
If you already have comprehensive and collision coverage on your own car, you likely don’t need to pay extra for CDW — you're probably covered if the rental gets stolen or damaged. Some credit cards also offer this protection (just make sure they cover “loss of use” too).

𝗟𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:
Rental companies include basic liability, but it’s often the legal minimum — not much. If you already have solid liability limits on your personal policy or an umbrella policy, you might be covered for more — meaning you won’t need to double up.

𝗡𝗼𝗻-𝗢𝘄𝗻𝗲𝗿 𝗔𝘂𝘁𝗼 𝗣𝗼𝗹𝗶𝗰𝗶𝗲𝘀:
Don’t own a car but rent often? A non-owner policy can cover damage you cause to others while driving a rental. It can also include uninsured motorist and medical payments coverage — helpful if something happens and the other driver has no insurance.

𝗥𝗲𝗻𝘁𝗶𝗻𝗴 𝗢𝘂𝘁𝘀𝗶𝗱𝗲 𝘁𝗵𝗲 𝗨.𝗦.:
Most U.S. auto insurance won’t cover rentals overseas. Even though foreign rental agencies offer coverage, it’s often the bare minimum. Buy coverage that matches what you’d want at home — especially in countries where insurance laws are more relaxed.

𝗬𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗼𝘃𝗲𝗿𝗽𝗮𝘆 𝗳𝗼𝗿 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻. 𝗬𝗼𝘂 𝗷𝘂𝘀𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘃𝗲 — 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗴𝗮𝗽𝘀 𝗺𝗶𝗴𝗵𝘁 𝗯𝗲 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝘁𝗼 𝘀𝘂𝗿𝗽𝗿𝗶𝘀𝗲 𝘆𝗼𝘂.



Get more info:
📞 716-675-2100
🌐︎ aeblyandassociates.com
📧 [email protected]

08/04/2026

Events come with a lot of moving parts, and even the best planning can’t prevent every surprise. This month’s blog breaks down how event insurance works and why it’s an important part of protecting your time, budget, and peace of mind.

If you’re hosting anything soon, this guide will help you understand what coverage can do for you. The full post is now live.

https://www.aeblyandassociates.com/Blog/a-guide-for-hosts-planners-and-anyone-bringing-people-together

Contact us, we’d love to help prepare your celebration.

716-675-2100 [email protected]

07/29/2026

As we wrap up another summer month, it’s a good moment to make sure your insurance still matches your plans. Travel, outdoor projects, new purchases, and busy schedules can all shift what you need from your coverage.

If anything changed for you this season, we can help you review your policies and keep everything aligned for the rest of the summer.

716-675-2100

[email protected]

07/23/2026

☀️ Mid-summer is the perfect time for a quick insurance check-in. Whether you've bought a new car, moved, started a new routine, or have exciting plans ahead, life changes can impact your coverage. Make sure your policy keeps up with you.

📞 Contact Aebly & Associates today for a personalized review.
716-675-2100
[email protected]

07/22/2026

Your home and your car do a lot for you, so why not let them team up for some extra savings? 💰

Bundling your coverage is a simple move that can lower your costs and strengthen your protection at the same time.

If you’re curious what a bundle could do for you, let’s take a look together. 😁
716-675-2100
[email protected]

07/20/2026

Events take planning, coordination, and a lot of moving parts. Insurance helps keep everything on track when the unexpected shows up. It’s one of the easiest ways to protect your time and your budget. 🎪

Contact Us
716-675-2100
[email protected]