Two types of water damage: Your standard homeowners’ insurance policy will cover losses caused by water that accumulates in your home because of the accidental discharge of a system or appliance, such as a broken hose or valve. However, this same policy will NOT cover losses caused by water that collects as a result of [...]
Our philosophy is simple. We follow the Golden Rule - "Do unto others as you would have them do unto you". Sounds too simple. How does this play out? We care about insuring you properly. We return phone calls. We get the best coverage at the best available price. Prompt, Curteous and Professional Customer Service. [...]
ATTENTION SECONDARY HOMEOWNERS – the cold is coming!!! As a secondary homeowner, you should know that most of the claims we see in our office are cold weather related and most include either pipes freezing and bursting or water damming up from the gutters and entering the house through the shingles. In regard to the [...]
Heating safety tips Heating equipment is a leading cause of home fire deaths. Almost half of home heating equipment fires are reported during the months of December, January, and February. Some simple steps can prevent most heating-related fires from happening. Safety tips Keep anything that can burn at least three feet away from heating equipment, [...]
Effective 9/28/2010 for new car insurance policies and 11/27/2010 for renewal car insurance policies, the accident surcharge threshold will be increased from $1,000 to $2,000. What does this mean? If you were involved in an at-fault accident, the damages were between $1,000 and $2,000 and you are currently being surcharged, you could see a reduction [...]
The Register Star in Hudson ran this story on July 14, 2010 - HILLSDALE — Information garnered from a Facebook page helped two female burglars figure out the best time to a enter a Hillsdale home, according to the New York State Police. Eighteen-year-old Jessica Schwed and Jennifer Montague, 17, both of Philmont, allegedly broke [...]
In the beginning months of the New Year, many consumers will be making resolutions, including about saving money. There are several ways to save money on insurance, but consumers should be careful about the ways in which they cut their insurance costs, according to the Insurance Information Institute. “Money is tight right now and many [...]