We have some welcome news for dog owners and some potentially bad news for those homeowners who remain pup-free. New York will soon become the latest state to place restrictions on an insurance carriers’ ability to limit or deny homeowners insurance coverage based on ownership of specific dog breeds. The law, which takes effect on […]
Inflationary Increases Affecting Your Home Insurance Costs
It takes little effort to recognize the pain of inflation when we stop to pump gas or check out at the grocery store. The increased cost of living has become widespread and continues to rise, from transportation and food to healthcare and housing. The cost of building materials in particular has been increasing significantly and […]
Protect Your Summer Fun
Consider boat or watercraft insurance during the riskiest time of the year. Whether you’re on the road or on the water, accidents happen. Summer is a season of fun and leisure; a chance to enjoy long weekends with friends and family. But it’s also the riskiest season of the year. In the same manner […]
Protect Your Home (and Health) from Mold
When mold invades your home, it is more than just a petty annoyance and a pungent odor. Its habitation — on your walls and ceilings, in your pipes, on your carpet, or in your bathtub — can cause a whole host of issues, ranging from minor property damage to severe health problems. Growing on anything […]
Just a Few Reasons You Would Need Umbrella Insurance
Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for […]
Is it Time to Take Earthquake Insurance Seriously?
According to the U.S. Geological Survey Survey’s (USGS) latest report, nearly half of Americans across 48 states are at risk for damage from an earthquake. 90 percent of Americans live in areas considered seismically active. Yet, the Insurance Information Institute estimates just a quarter of all homeowners in earthquake-prone areas have earthquake insurance. Why is […]
Renter vs. Landlord: How Does Insurance Differ?
Property owners know that whether they own an apartment in rural Chester, NY or a condo in New York City, insurance is critical. Fires, robberies, floods, and other natural disasters arrive unexpectedly, and for those that are uninsured, it is often impossible to handle the loss. Both landlords and renters need insurance, but sometimes both […]
Refrigerated Food and Power Outages
When to Save and When to Throw Out At what point does food in the refrigerator become unsafe during a power outage? The USDA and Foodsafety.gov provide a very detailed chart as a guide to evaluate each food item: Click here to view. We are your business, home, auto, and life insurance solutions provider, […]
How Smart Home Technology Affects Your Insurance
People are becoming more and more comfortable, and in many cases, more reliant on smart home technology. Some advanced smart home offerings include: Activation of “smart” alarms during set times of day Energy management systems (automatically adjusting thermostats in real-time) Locking and unlocking doors from a smart device Turning on and off lights remotely or […]