Articles

/ Articles, General
Insurance Terms Explained: Actual Cash Value VS Replacement Cost

Insurance Terms Explained: Actual Cash Value VS Replacement Cost

It always pays to have insurance — that’s common knowledge. Yet sometimes trying to cut through the terminology and jargon can prove difficult. When shopping for insurance or preparing to file a claim, you may find that you need a ...
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collision coverage

Understanding Collision Coverage and How to Decide If You Need It

Auto insurance is a necessity in some states and can be extremely beneficial in specific circumstances. With that said, every driver has different needs, so finding the right coverage is necessary to ensure you are protected financially, but at the ...
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/ Articles, Life
8 Factors That Can Impact Your Life Insurance Coverage

8 Factors That Can Impact Your Life Insurance Coverage

When you are looking to protect yourself and your family, you need to consider life insurance. Life insurance is the financial security net that helps your family get through a rough time. But, when shopping for life insurance coverage there ...
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/ Articles, Life
How much life insurance is enough?

How much life insurance is enough?

Life insurance might be unpleasant to think about, but it can be devastating to ignore. If there are people who depend on you economically, you owe it to them to prepare for their financial futures in case you die before ...
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/ Articles, Community
Why Being Involved with the Local Community is Good Business

Why Being Involved with the Local Community is Good Business

When it comes to forming and building a business, there are many things that you should take into consideration. While being online and participating in social media is important, interacting with people in person is still a great marketing move ...
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/ Articles, Recreation
Buying Snowmobile Insurance: What to Know

Buying Snowmobile Insurance: What to Know

Winter is here and, in New York, you can be reasonably sure of one thing: Snow.  And lots of it.  If you’re like many people, you’ve come to love the snow and all the fun that winter has to offer ...
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/ Articles, Auto
Is December the Best Time to Buy a New Car?

Is December the Best Time to Buy a New Car?

For many people, shopping for a new car is a process. Because this is a massive purchase that will last for many years, it’s imperative that you find the perfect vehicle for your needs. However, if you’re not too savvy, ...
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/ Articles, Business
Why Business Insurance is Important

Why Business Insurance is Important

If you own a business, the thought of a lawsuit threatening your company or an accident destroying your property will most likely fill you with a sense of dread. If you are not insured in the event of a business ...
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/ Articles, Home
Hunting Risks for Landowners - What You Need to Know

Hunting Risks for Landowners – What You Need to Know

This might be a little far fetched but it is wise to consider the risks when you allow someone to hunt on your property As a property owner have you ever thought about allowing hunting on your land? If you ...
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/ Articles, Home
Insurance for a High Risk Pet

Insurance for a High Risk Pet

How do you know if you have a high risk pet that will affect either your ability to get insurance or the cost of your current homeowners policy? Insurance companies consider certain dog breeds to be high risk because these ...
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/ Articles, Home
Why Your College Student Needs Insurance on Their Items

Why Your College Student Needs Insurance on Their Items

It’s always an exciting time when your child graduates high school and begins a new career as a college student. Parents often face a mixture of emotions as they watch their children transition from high school to college. On one ...
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/ Articles, Home
Top 5 Tips for Pool Safety This Summer

Top 5 Tips for Pool Safety This Summer

Summer. It’s the time of year when the days are long and hot. The kids are out of school and nothing seems like a better idea than hanging out around the pool with your family, hosting backyard bbq parties, and ...
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/ Articles, Recreation
Do you need insurance for your Canoe or Kayak?

Do you need insurance for your Canoe or Kayak?

Most homeowners policies provide insurance coverage for a canoe or kayak (small paddle crafts valued at less than $1500) in the case of sinking, theft or damage to the craft.  If you use these at a second home, then you ...
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/ Articles, Life
Life Insurance: Term vs. Whole

Life Insurance: Term vs. Whole

Life insurance isn't a sexy topic, but at some point, it is one that most people have to think about.  The question of what happens to your family in the event of your death is an important one to consider.  ...
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/ Articles, Business, Home
Insuring Your Vacation Rental Property

Insuring Your Vacation Rental Property

In our little corner of the world, the vacation rental business is booming.  While year-round lodging opportunities (hotels, motels, bed and breakfasts, inns, etc.) continue to exist as a mainstay of accommodation  options in our area - there are many ...
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/ Articles, Financial, General
An Annual Review of Your Policies can Save You Money

An Annual Review of Your Policies can Save You Money

Many people think of March and April as the time of year for Spring Cleaning.  The snow and ice begin to melt away and we start to think about spending more time outdoors.  We look at things that we need ...
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/ Articles, Auto
teaching your teen to drive

Teaching Your Teen to Drive

Having a new driver in your family can be a nerve-wracking experience.  As a parent, your mind somehow jumps to all of the things that can possibly go wrong, and how your newly-permitted driver is yet unequipped to handle different ...
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/ Articles, Travel
Travel Insurance - When Do You Need It?

Travel Insurance – When Do You Need It?

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.  (Wikipedia) Travel insurance makes the most sense when you have higher cost pre-paid ...
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/ Articles, Home
Cooking Safety through the Holidays

Cooking Safety through the Holidays

Did you know that there are about 1,400 cooking fires per year on Thanksgiving?  This is more than 3X the average for every other day of the year!  Furthermore, since 2004 there have been 107 fires due to frying turkey ...
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/ Articles, Home
Uninvited Guests - Pest Control for Your Home

Uninvited Guests – Pest Control for Your Home

Every old house homeowner knows there are time of the year when they find some unexpected house guests.  When the weather warms in the spring and summer months, the small trails of ants might appear in your kitchen, and in ...
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