Joe Aguirre

October: A Key Month for Reviewing Your Home and Auto Insurance

As the crisp autumn air settles in and the leaves begin to change, October is a perfect time to take a closer look at your home and auto insurance policies. With seasonal changes and upcoming winter weather, ensuring you have the right coverage can protect you from unexpected expenses.

• Prepare for Winter Weather: In many regions, October signals the transition to colder months. Winter storms, heavy winds, and early snowfall can cause damage to your home. Reviewing your home insurance now ensures you have adequate coverage for potential issues like roof damage, frozen pipes, or power outages.

• Check for Policy Updates: October is a great time to contact your insurer to ask about any changes or savings you might qualify for.

• Home Maintenance Reminders: Performing routine maintenance such as cleaning gutters, inspecting your heating system, and sealing windows can prevent damage. Documenting these efforts may also help if you need to file a claim.

• Prepare for Changing Road Conditions: Autumn brings shorter daylight hours, wet leaves, and the first frosts, all of which can increase the risk of accidents. Reviewing your auto insurance coverage in October ensures you’re protected against these seasonal hazards.

• Consider Coverage Adjustments: If you drive less during the winter months or plan a change in your driving habits, October is a good time to discuss these potential adjustments such as usage-based insurance or discounts for reduced mileage.

Tips for Reviewing Your Insurance This October

• Gather Your Policy Documents: Have your current home and auto insurance policies on hand to review coverage details.

• Assess Your Coverage Needs: Consider any changes in your lifestyle, home improvements, or vehicle use.

• Ask About Discounts: Did you know that State Farm offers discounts for bundling home and auto insurance?

Final Thoughts

October is more than just a month of beautiful fall foliage—it’s a strategic time to safeguard your home and vehicle against the challenges of the coming months. Taking time now to review and update your insurance coverage can save you stress and money later.

If you have questions or need assistance with your home or auto insurance, contact us today. We’re here to help you find the coverage that fits your needs and budget.

My name is Joe Aguirre. I have been with State Farm since 1990, shortly after graduating from St. John's University.

After working with the company in various capacities for several years, I found my true calling as a State Farm Agent. In our office, being a "good neighbor" is more than a slogan- it is what we love to do!

Our Main Street location in Smithtown has been serving the community since 1956. Many of your neighbors, friends and family members have been with us for generations- that is not something we take lightly. When you work with the Joe Aguirre State Farm agency, you know that we are here to provide the coverage that works for you, with the exceptional "good neighbor" service you deserve.

Products we Offer:

• Auto Insurance

• Homeowners Insurance

• Renters and Condo Insurance

• Life Insurance

• Boat Insurance

• Motorcycle and Antique Car Insurance

• Business Insurance

• Commercial Vehicle Insurance

• Workers' Compensation Insurance

• Assigned Risk Plan - AIP

Honorable Mentions and Affiliations:

• CPCU - Chartered Property Casualty Underwriter professional designation.

• CLU - Chartered Life Underwriter professional designation.

• ChFC - Chartered FCP designation.

• Third Degree Member of the Knights of Columbus - Fr. Thomas A. Judge Council in East Northport.

• St. John's University class of 1990.

• Archbishop Molloy High School class of 1986.

• Fluent in Spanish.

• Notary Public