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    The Ryan Agency is an Independent Insurance Agency that represents YOU. We don’t offer a product from just one insurance company. Rather we provide insurance programs from many top insurance companies and tailor an insurance package that fits your needs and budget. For Insurance Protection You Can Rely On, it’s The Ryan Agency.

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    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”

    By Jeff Ryan • February 3, 2025
    “Am I covered if I drive someone else’s car?” Or, “Am I covered if someone else drives mine?”
    Many don’t realize that the insurance industry is one of the country's most regulated business segme

    How is the insurance industry held accountable to protect policyholders?

    By Jeff Ryan - CLU, ChFC, AIA, CIC, CPCU • January 21, 2025
    Many don’t realize that the insurance industry is one of the country's most regulated business segments, especially in New York State. The New York State Department of Financial Services (NYS DFS) wields significant control over the insurance business and has a stated goal of protecting consumers.
    Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Ty

    How Much Will I Get Paid If My Home or Property Are Destroyed?

    By Jeff Ryan • October 30, 2024
    Most property insurance companies offer Actual Cash Value or Replacement Cost settlement options. Typically, insurance companies will require that you insure the property to the settlement value you choose. If you select Actual Cash Value, the amount you may be required to insure the property for will be less than the corresponding Replacement Value.
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