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10/08/2012
By: joan.brewster1
Brimfield Insurance Agency
This company - and Patrick Madonio - is the best. Pat listens to whatever I have to say and gets back to me right away if I need information. He is the best insurance agent I have ever dealt with and I am 72 years old...Thanks Pat - continue doing the same great work you do. If I need any other insurance I will be calling you first. Joan L. Brewster
06/19/2017
By: Steve P.
Gimbel Agency
My family has been dealing with this agency since 1978 for various insurance products. That's almost 40 years! That alone speaks volumes about Rick Hornick's customer service and professionalism. I would highly recommend the Gimbel Agency for your insurance needs.
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornadoes, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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