Blog

  • shrubs covered on home insurance

    Shrubs Are Covered. And so is…

    A few months ago we posted an article about what’s not covered on your homeowners insurance policy. We advised as to ways to get coverage for excluded perils such as flood, earthquake, and power failure. But what about coverages buried down into the policy that you probably don’t know about? Additional Coverages on Your Homeowners […]

    March 19, 2019

  • cyberbullying mohawk valley

    Our Kids, Cyberbullying and New York State Law

    Cyberbullying is simply bullying that occurs online over cell phones, computers, or tablets. It can include posting rude comments or rumors about someone online. Also threatening to hurt someone or posting a mean or hurtful video. According to surveys by New York State, nearly 43% of kids have been bullied online. Of these, 25% say […]

    March 11, 2019

  • homeowners insurance replacement cost

    How To Determine the Right Amount of Homeowners Insurance

    A homeowners insurance policy is comprehensive in the protection it offers you. It covers your home, any detached structures, your contents, and your personal liability. Let’s discuss each one of these separately to help you determine how much homeowners insurance you need. The Right Amount of Dwelling and Other Structures Insurance The amount of insurance […]

    March 5, 2019

  • safe homes for seniors

    Making Homes Safer for Utica Area Seniors

    Many of our clients are living longer and healthier lives, enjoying retirement at home. Thing is, as people get older they must often make adjustments to accommodate changes in their physical abilities. We see so many people in the Mohawk Valley experiencing this new reality that we thought it would be a good idea to […]

    February 26, 2019

  • walking safely in mohawk valley

    Walking Safely for Heart Health in the Mohawk Valley

    We are proud supporters of the American Heart Association-Mohawk Valley because of their work helping people live healthy lives. Part of living healthy is exercise and what better exercise than running and walking. That’s why we encourage our Utica area customers to participate in the 2019 America’s Greatest Heart Run & Walk. It’s being held […]

    February 19, 2019

  • valentine's day mohawk valley

    What You Might Not Know About Valentine’s Day

    Surveys by the National Retail Federation (NRF) say that consumers are changing the way they celebrate America’s popular “love-in,” Valentine’s Day. Have you noticed the same trends in the Utica area? Fewer People Celebrate Valentine’s Day The percentages of adults age 18-34 celebrating the holiday went from 72% in 2009 to a little more than […]

    February 12, 2019

  • car seat regulations

    On the Road with Kids in Car Seats

    In our last post we talked about children riding the school bus and some tips on keeping them safe. It turned out that school buses are the safest vehicles on the road for kids. Why is that? We’ve got the answer here. But what about child safety in passenger cars and pickups? We took a […]

    February 5, 2019

  • school bus safety

    How Safe Are Your Children in School Buses?

    Did you know that a school bus is the safest vehicle on the road? Studies by the National Highway Traffic Safety Administration (NHTSA) find that students taking the bus are close to seventy times more likely to get to school safely than if they rode in a car. Just one look at the school bus’s […]

    January 29, 2019

  • philadelphia insurance company

    Why Philadelphia Insurance Co. Got a 96.2% Customer Satisfaction Rating

    Of the 14,000 agents representing Philadelphia Insurance Company, only 319 are Preferred Agents, including Scalzo, Zogby & Wittig, Inc. And those agents produce 53% of the company’s total business. That’s an exclusive group of insurance professionals that we are proud to be a part of. Our strong relationships with the insurance carriers we work with […]

    January 22, 2019

  • Emergency Car Kit

    Your Utica Area Emergency Car Kit

    A friend of ours tells the story of his perilous trip back to Utica from Lake Placid a few years ago. He was on business and driving on a weekday with little traffic. He had stayed overnight in Placid to head home the next morning to avoid driving at night. But the temperature plunged next […]

    January 15, 2019