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.
How to Be More Energy Efficient and Stay Warm on a Budget This Winter
If you want to be energy efficient or stay warm on a budget, you are in luck. Keep reading to learn about ways to stay warm without increasing your energy bill or reinsulating your entire home. Check Your Glass Doors ...
How Covid-19 is Changing Life Insurance
Life insurance is a necessity for most adults. Protecting and providing for your family is important should something happen to you. With how drastically our world has changed over the past few months, you may wonder if the life insurance ...
The Impacts of Being Underinsured
Insurance is meant to protect your home, your car, your belongings and your family from financially devastating incidents. Few people *like* to pay for insurance. For many, home and auto insurance seems like large expenses for something they probably will ...
Ten Things to Do to Get Your Car Ready for Winter
As fall is approaching, it is time to start thinking about cold weather and what changes it can have on your daily life. As the winter months get closer, so does the threat of winter weather. Ensuring your car is ...
Finding the Best Insurance Coverage for Your Antique Automobile
Just like a fine wine, some of our greatest material possessions gain value over time. This is true of exceptional antique automobiles. Your antique automobile must be protected in all ways, from suitable shelter to ample insurance coverage. When insuring ...
Common Questions about Motorcycle Insurance
If you already have a motorcycle, are planning on getting your motorcycle license or are planning on purchasing a motorcycle in the near future, you may want to read this. Though motorcycles can travel on the same road that all ...
Benefits of Bundling Home and Auto Policies
When you're in the market for insurance, the choices can seem overwhelming. If you're looking for multiple types of insurance, it may make the most sense to bundle them or buy them all from the same company. This is often done ...
Understanding Rental and Non-Owned Vehicle Insurance
Everyone wants assurance that he or she is fully protected on the road. Most drivers understand the need for comprehensive, reputable insurance when driving their own vehicles. When you must drive a rental vehicle or operate one that is not ...
Insurance for Contractors
If you are a general contractor or own a construction company, having insurance is a necessary expense. Insurance helps to protect you if accidents or mistakes occur or if your or one of your employees gets hurt on the job ...
NYS Dept. of Financial Services Information re: COVID-19
Attention all insurance policy holders: If you are experiencing financial hardship due to the COVID-19 pandemic, there is information available through the New York State Department of Financial Services that discusses the new regulations concerning payments, missed payments, late fees ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...