Articles

This collection of articles is updated on a regular basis – we hope you will find them useful!  Use the search function to explore a particular topic or category.

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Insurance for your Home Equipment and Infrastructure

Insurance for your Home Equipment and Infrastructure

If you are a homeowner, then you know that warranties and service contracts don't cover everything.  There is, however, insurance that covers your home systems to help reduce your financial burden in the event of breakdown on your home equipment ...
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/ Recreation
Snowmobiling Resources through the NYS Association

Snowmobiling Resources through the NYS Association

During the wintertime, snowmobiling is an amazing way to see the state of New York. The snow on the ground and the chill in the air sets a different perspective on the state. Did you know that there are about ...
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/ Articles, Auto, Business
Commercial vs. Personal Auto Insurance -  Which One Is Right For You? 

Commercial vs. Personal Auto Insurance –  Which One Is Right For You? 

The line between commercial and personal auto insurance policies can be a little blurry. If you're a business owner, then you understand the importance behind every decision you make. If you're wondering whether you should purchase commercial or personal auto ...
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/ Articles, Auto, collision insurance
collision insurance

Understanding Automobile Collision Insurance

When it comes to automobile insurance, it's important to understand your policies. You want to have enough coverage should something happen, but at the same time you don't want to pay for coverage you don't need. There are different options ...
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/ Articles, General
The Two Types Of Insurance Deductibles And What They Mean To You

The Two Types Of Insurance Deductibles And What They Mean To You

Home, life and auto insurance consists of paying providers in premiums and deductibles. A premium is your monthly fee for the insurance. Without insurance, you are left to foot a huge bill for injuries, accidents and property damage if you ...
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/ General
Don’t Go There; Four Reasons You Shouldn’t Choose Online For Insurance

Don’t Go There; Four Reasons You Shouldn’t Choose Online For Insurance

Are you contemplating which direction to go in regards to getting insurance? Two general options that people take are applying for insurance locally or applying online. While some insurance buyers like the convenience factor of getting their insurance online, that ...
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/ General
Umbrella Policies: What You Need to Know About This Clever Insurance Plan

Umbrella Policies: What You Need to Know About This Clever Insurance Plan

The umbrella is known to be a reliable means of protection from hazardous weather, so it’s only fitting that there’s a useful policy named after it: The umbrella policy. You likely know the basic policies like auto insurance and homeowner’s ...
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/ Articles, Home
Insuring Your New Home Purchase

Insuring Your New Home Purchase

Homeowners insurance isn’t optional. If disaster strikes, without homeowners insurance you could be in severe financial trouble. In short, you don’t want to buy a house if you don’t plan on getting it protected from damage. But how exactly does ...
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/ 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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