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Why Utility Line Coverage is a Must

Don’t wait until disaster strikes – Secure Utility Line Coverage for your property. As a homeowner, you do your fair share of upkeep around the house. From locking the doors at night to cleaning out the gutters, owning and maintaining a home is no small feat. What most homeowners don’t realize is that they are […]

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Find Out What Equipment Breakdown Coverage Is & Why You Need It

Protect your personal possessions with Equipment Breakdown Coverage. Any homeowner will know that replacing and repairing appliances such as furnaces, air conditioners, fridges, and TVs can get very expensive very quickly. What’s worse is that you don’t know when these appliances will go kaput, so there’s no way of being prepared. These expensive items in […]

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How to Choose the Right Deductible

Determine what deductible best meets your needs. When you buy insurance, your policy may include a deductible. This is the amount that you agree to pay on a bill before the insurer pays the benefits. In the event of a claim, this is an immediate out-of-pocket expense. Health, dental, home and auto insurances all have […]

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Should Your Business Use an Independent Insurance Agent?

Contrary to popular belief, cutting out the middleman is not always a good thing.  In this day and age, there are many direct insurance companies who sell their services directly to you. These companies cut out the middle man and choose to cut out the insurance agent. The thinking behind this is that because you’re […]

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Tips on How to Conduct a Home Inventory

Simplified steps for creating your home inventory! You may think that you know exactly what is in your home. However, when it comes to the aftermath of a disaster, and you have to list which items you’ve lost, valuing your personal property from memory is harder than you think. For this reason, home insurers ask homeowners […]

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Drive Easy This Summer with These Tips

Brush up on these summer driving tips before cruising the roads this season. Summertime is here! With the weather heating up and the days getting longer, many people will head on vacation, take some quality time off work, and enjoy the season ahead. While the crowds out and about increase, so does the traffic. The […]

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Do Small Businesses Need Umbrella Insurance?

Your small business may lack in size, but not in risks. Many small businesses mistakenly believe that umbrella insurance is predominately for larger businesses. Generally speaking, umbrella insurance is for any business whose risks are great enough. The main function of commercial umbrella insurance is to extend your liability coverage. Liability coverage you already have may […]

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How to Insure Your Home Business

Running a home-based business isn’t easy, here’s how you can insure it to protect your business equipment. If you run a business from the comfort of your own home, you may not have enough insurance to protect your business equipment. A standard homeowners insurance policy provides only $2,500 of coverage for business equipment, which is […]

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What is Services Line Coverage?

Should you consider services line coverage for your home? Most homeowners don’t realize they are responsible for repairing or replacing the underground piping and wiring located on their property if damaged. The cost of repairing or replacing underground service lines is costly and not covered by most homeowners policies. Losses can easily total $3,500 or […]

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What is New Car Replacement Insurance?

Should you get new car replacement insurance to protect your investment? When you buy a new car, you expect it to last you. However, accidents happen – whether or not you’re in your new car. Fortunately, you don’t have to lose out on your car when an incident happens – new car replacement insurance is […]

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3 Tech Tools for Seniors Living Alone

Smart technology tools to make independence easy and safe. Seniors that live alone face unique risks. They do not have a roommate to help them with home maintenance tasks, nor the unlimited range of ability to do everything on their own. Luckily, senior homeowners do not always need to move into a care home or […]

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The Benefits of Using an Independent Agent for Health Insurance

Tailor your health insurance policy with the help of an independent agent. Everyone’s needs, health, and lifestyle are different. For this reason, buying a health insurance policy that’s designed to cover some of your needs could be a mistake. Fortunately, enlisting the help of an independent agent can help you get your health insurance policy […]

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Top Questions to Ask Your Agent When Looking for Home Insurance

Don’t forget to ask these questions when shopping for your homeowners insurance. You wouldn’t go into many purchases without doing your research. The same applies for insurance, too. Being an informed customer helps you to know what homeowners insurance is best for your property and needs. Homeowners should also ask a series of questions before […]

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How to Secure Trampolines and Patio Furniture in Your Yard

Trampolines and patio furniture are all fun and games until the winds pick up. Part of making the most of the spring and summer months means getting outside and enjoying the sunshine. However, as you know, the New York weather can be temperamental. If winds start to pick up in your area, you will need […]

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Will Customizing My Car Impact my Auto Insurance Premium?

You may have turned your car from a zero to hero, but you may have incidentally turned your auto insurance from inexpensive to expensive.  Did you make your car go from a standard common sedan to one that could potentially land a spot in the latest Fast and Furious movie? If so, we want to congratulate you […]

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Spring Break Road Trip Tips to Keep You Safe

Spring break is right around the corner, which means that many of us will be packing our cars and heading out for a fun road trip with friends and family.  A spring break road trip is the perfect time to get to know the many landscapes of our country. The lush forests of the east, […]

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Does Your Property Need an Energy Audit?

Going green is something that many companies are doing as a way to help the planet, but can an energy audit really help save your small business money? The planet is changing. Many people say it’s difficult to justify the renewing, reducing, and recycling without evidence of the return on investment. While money is certainly […]

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How to Reduce the Risks to Your Commercial Vehicles

If you can learn to reduce the risk to your business vehicles, you can avoid making claims to keep your insurance premium nice and low.  It doesn’t matter if you drive your personal vehicle down the street for business meetings or if one of your many commercial vehicles needs to transport something from coast to […]

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What to Inspect When You Own or Want to Buy a Boat

Before you spend tens of thousands on a boat, make sure that you know the boat will serve you honestly and work well.  There is nothing quite like sailing in the open water: the breeze in your hair, the soothing motion of the waves, and the certain aroma that both fresh and salt water give […]

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How to Protect Your Home from Toxic Mold & Mildew

Mold and mildew not only look bad, but they can be the cause of serious health issues if inhaled or digested.  There are more than 100,000 species of mold across the world, and while they may be essential in nature, they can be the cause of serious health ailments if they find a home in […]

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How to Prepare Your Home for Spring

Seasons change and with those changes, we must make the necessary preparations in order for our homes to stand a chance against a changing environment.  After a rather long and tough winter, the spring has finally come to relieve the cold and give us a bit of warmth. Here are a few tips on how […]

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How to Reduce Your Risk of Car Collision: Tips for Bikers

Riding a motorcycle offers a certain freedom that is not found behind the wheel of a car, but it can also be extremely dangerous to ride. Motorcyclists know there is a difference in driving a car and riding a motorcycle. There is a certain freedom that cannot be duplicated nor experienced from behind the wheel […]

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Q&A: Snowmobile Insurance

Snowmobile insurance can be a confusing policy to many people, so we are here to answer the most common snowmobile insurance questions you may have.  Q: Is snowmobile insurance legally required? A: The most common question for almost all insurance policies. Depending on which state you live, snowmobile insurance may not be required. In New […]

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