Move Insurance Carriers One of the most frequently asked insurance questions we get as an independent insurance agent is, can I cancel my insurance midterm before my renewal? Now this could be for several different reasons like: Found better Insurance…
Auto Liability Coverage As we begin, please pay attention to the fact that is specific to New York State. While every state has their own minimum coverage, today I am going to discuss what New York’s is and why it…
Freezing Pipes Like most Upstate New York homeowner’s or property owners one thing that we always need to be careful of during the winter months are freezing pipes. With our extremely long winters that run from November to April, cold…
What happens when your basement floods One of the things we in Central New York hear quite often from friends, relatives or neighbors is; Hey, my basement flooded, or I am dealing with water in my basement. Unfortunately that is…
Damage to stored vehicles One of the most common places where a house fire begins is in the garage. Whether it is due to stored chemicals or the gasoline from parked vehicles or toys in there, it always seems that…
Midterm Switch One of the most misunderstood facts about your personal insurance, meaning your automobile and homeowner’s insurance specifically, is that you need to wait until your renewal to switch insurance carriers. This is not the case at least 99%…
Going on Vacation? One of the most asked questions we get every single year especially during the summer months. Hey, I am going on vacation and renting a vehicle. Do I need to buy the rental car insurance? Well, in…
Why is it so expensive? Insurance premiums for teenage or young drivers is outrageous, but insurance companies aren’t just doing it to punish parents. The data shows that teenage driver’s are more likely to be involved in auto accidents and…
Are we friends? All too often we see “friends” driving other “friends” vehicles. This is usually done without asking questions or doing any homework before letting it happen. It is done as freely as if it is a shirt that…
Bodily Injury Liability Coverage on your auto insurance is the coverage that is going to protect you and your assets in the event there is an accident with injuries. It is the coverage that is required by New York State…
