Ryan Hanley, Albany Insurance Broker - Guilderland Agency, Inc.

I own a 2-Family in the Helderberg Neighborhood of Albany, NY, right near St. Peter's Hospital. The apartment will be available March 1st. We are listing the apartment for $950 a month. There is a full kitchen, bath, dining room and living room as well as washer and dryer. On-street parking. Utilities are NOT included. This is a very nice place.

Please email me to view the apartment. I should have pictures after this weekend.

Thank you

Ryan

I am a huge fan of local Chamber sponsored events. Tonight I set a booth at Business Expo. Kind of a small affair only about 30 tables, but it is these more intimate events that I usually find to be the most productive. Insurance services are a tough product to sell in that type of environment. No one wants to hear about your service, dedication to detail, quality of product, or determination to keep their premiums down. Because insurance is not a tangible item. You can't carry insurance home and show it to your spouse and kids and have them be proud of you.

So the Business Expo forces me to work my relationship building skills. That is why I love Chamber events. Every event forces you build relationships. No one is buying something from you at Networking event, so selling is waste of time and turn off. Especially, as a young salesperson every opportunity to work on relationship building is time well spent. Even if that opportunity happens early in the morning or during dinner time. Because it's all about getting out in the community.

For more information on my professional career visit my LinkedIN Profile:

www.linkedin.com/in/ryanhanley

Ryan M. Hanley, Insurance Broker, Albany, NY - Guilderland Agency, Inc.

"The Guilderland Agency is where Albany residents insure their property!"

Auto, Homeowners, Landlord, Renter, Business, Worker's Comp, Professional, Life, Group Health, Business Continuation

I recently joined a local chapter of BNI, (Business Networks International, www.bni.com), the Crossroads Connection. BNI is a professional business referral group. There are many groups similiar to BNI throughout the country so when I say BNI, I really mean any business referral group.

When I was invited to join the Delmar, NY chapter of BNI I was excited and skeptical at the same time. I had heard both enthusiastic success stories and jaded horror stories of what referral groups could be.

To my delight I found a "Team" of individuals dedicated to each others success. Energetic and fun the group listened intently as each member spoke to give a 60 second commercial about their business. Member's took notes when they went around the table again to give a 30 second commercial on what would be a good referral. Ideas for marketing techniques, networking functions, branding methods flew around the table despite the early meeting time of 730am on a Wednesday. I was hooked and immediately began the member approval process.

BNI encourages its members to meet for one-on-one meetings outside of the weekly group meeting to form a intimate business relationship. You learn not only what your fellow members do for a living but who they are as people. I feel that when it comes to referrals this is just as important a characteristic as the level of work they do.

There are reasons that a person may not want to be part of a referral group. As a member you are expected to refer clients to the other members and if you already have a bsuiness partner that you refer business to in a certain field that might cause issues. But my feeling is that BNI forces you to get to know the other members of your group so well that you WANT to refer clients. Always remember that Givers Get...

I must say that joining BNI has been one of best decisions I have made in a long time. My membership was paid for two times over in the first month. As an insurance agent in Albany, NY I really can't think of a better group to be a part of professionally. So if you have been thinking about joining a referral group but "haven't had the time" I would seriously encourage you to make the effort. In my case the affordable membership and hour and half a week are nothing compared to business I've created.

For more information on my professional career visit my LinkedIN Profile:

www.linkedin.com/in/ryanhanley

A good Real Estate agent friend of mine once referred to the process of Home Inspection as a "Deal Killer." He was of the opinion that when the home inspector came into the prospective house he/she would scare the potential buyer out of buying the property. I'm not sure if this is an industry wide feeling for home inspectors or just his personal opinion but to some degree I could see where he was coming from. I can see how the wrong attitude on a home inspector could have a very negative impact on a buyers interest in a property. Unfortunately I don't really know how to mitigate the effects a home inspector has on a deal, because I am not a Real Estate Agent.

However, as an Insurance Broker for the Guilderland Agency, I will say that these home inspections are very important for potential buyers when it comes to homeowners insurance concerns.

One way that a Real Estate Agent can handle the concerns a home inspector raises is by partnering with a good insurance agency, such as the Guilderland Agency. Example, I had a buyer who was told by their home inspector that the roof was outdated. The buyer's agent was very concerned that this would "kill" the deal. So the agent gave me a call and what I was able to explain to the buyer was that there were insurance carriers available that would cover the roof and any subsequent losses at full replacement cost as long as the roof was updated within a given time-period.

What I'm saying is that there are ways to quell the fears created by home inspectors so that you can still get your client into the home they want. Partner with a quality insurance agency, the Guilderland Agency, and the insurance professional can make sure your client is protected.

Thank you

It is reality that income property owners want to pay the least amount possible on insurance. This is a very obvious statement since insurance premiums directly effect the bottom line an income property produces. However, there are many pitfalls associated with the pursuit of lower premiums, specifically when it comes to income properties. A person buys a two-family in the City of Albany and says to their agent, "I want to make sure I'm covered if there is a fire or the place gets broken into." What these property owners do not realize is that many insurance agents will write Basic form policies in order to meet their low premium desires. This Basic form would seem to be a policy written only in heaven, fire and theft covered and low premiums.

What this super-agent does not tell you is that three of the most dastardly perils known all too well to snow-climate property owners are NOT covered by a Basic form policy: Falling objects, Weight of ice and snow, and Freezing of pipes.

If you own property in Upstate NY there is probably a 75% chance that building was built between 1880 and 1940. There is very good chance that building is surrounded by half-century old Oaks and Maples, the roof has not been replaced in 30 years and half the plumbing the house is older than that.

Basically what I'm saying is that for an extra $20-$100 dollars a year you could upgrade your policy to a Broad form or even a Special form and be covered for the three most likely losses on a property in a snow climate.

For most of us in the Northeast there is still about 2/3 of Winter still to come. So if you currently have a property with Basic form coverage or don't know what level of coverage you have, now would be a good time to look into properly protecting your property.

For more information on my background check out my LinkedIn profile:

Http://www.linkedin.com/in/ryanhanley