FDS AGENCY, INC. • 800 WESTCHESTER AVENUE, SUITE S634 • RYE BROOK, NEW YORK 10573 • cheryl@fdsagency.com
Your home is probably the biggest investment you'll ever make, so it is imperative to insure it properly. We recognize that every home and every homeowner are different, so we try to tailor your coverage to meet your specific needs.

When purchasing home insurance, homeowners should consider:
  • Protection for your home's structure, paying particular attention to any special features.
  • Age and measurements of the dwelling in order to determine an appropriate replacement cost value.
  • Coverage for personal property, including valuable items such as jewelry and art. It is best to insure valuable items on a separate policy.
  • Adequate liability limits to protect all your assets in the event you are sued for damages arising from the ownership of your home.

At FDS Agency, we understand that you do not want to spend a lot of time buying car insurance. As a full service, independent insurance agency, we represent many insurance companies, thus putting us at an advantage to offer you some of the most competitive premiums available.

We provide the following auto insurance options:
  • Bodily Injury Liability - pays for injury to others when you cause an accident involving your automobile.
  • Property Damage - pays for damages you cause to other people's property as a result of an accident involving your automobile.
  • Medical or Personal Injury Protection - covers treatment of the vehicles' passengers when injured as a result of a car accident involving your automobile.
  • Collision - covers you for damages to your own vehicle when involved in a collision.
  • Comprehensive - covers you for damages to your vehicle when caused by fire, theft, or incidents other than collision.
  • Uninsured Motorist Coverage - covers the medical treatment of you and your passengers when involved in an accident with an uninsured driver.

Whether you own a small, local business or a large, national chain, FDS Agency has the products and the expertise to meet your needs. All businesses, including retailers, manufacturers, contractors, landlords, and professional services need to protect themselves from both property loss and loss associated with the liability of operating a business.

When you own a business, you need to consider:

  • Property Insurance - covers you for damages to your furniture, equipment or stock.
  • General Liability - protects you if someone is injured on your premises; if you injure someone else or damage their property within the scope of operation of your business; if your product injures someone else or damages another's property.
  • Professional Liability - protects you in the event that your customer suffers financial loss as a result of an error or omission in the performance of your professional service.
  • Workers Compensation - provides wage replacement and medical benefits to your employees who are injured in the course of employment.
  • Umbrella (Excess Liability) - provides coverage for losses that exceed the limits of liability in your general liability and automobile liability policies.

FDS Agency understands the importance of protecting your family and/or business partners in the event of one's death.

Together with your attorney, accountant or other financial adviser, we can help you to select the product that is best suited to help you meet your personal or business financial goals.

Just as essential is disability insurance. According to the Council for Disability Awareness, just over 1 in 4 of today's 20-year-olds will become disabled before they retire. Accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long term absences. Disability policies can be designed to complement employer benefits, or to fund a business buy-sell agreement.

Today's health insurance plans are a critical means to ensuring your well being. There are a multitude of plans available, tailored to each budget. FDS Agency has knowledgeable staff who are familiar not only with the intricacies of benefit plans, but also with the pricing of these plans.