Category: Uncategorized

  • family needs life insurance

    How Much Life Insurance? What Kind?

    The two questions that most often come to mind when people think about life insurance are: how much and what kind? There was a time when many questioned the basic need for life insurance. But these days, the premiums are reasonable so price isn’t the barrier it once was. So who comes to us for […]

    May 21, 2019

  • fire safety for disabled

    Fire Safety for People with Disabilities

    Daily life isn’t easy for people with disabilities. Or for those who care for them. That’s why the support of family and friends is so important. And it’s where the professionals at ARC Herkimer, Central Association for the Blind, and Upstate Cerebral Palsy are so important for our Utica area community But many people do […]

    May 14, 2019

  • home equipment insurance coverage

    Home Equipment Coverage & Service Line Breakdown

    Today people have all kinds of equipment at home. Stuff we wouldn’t have dreamed of a generation ago. There’s home entertainment equipment, computers, Siri, and sophisticated kitchen appliances. It seems that our homes have become connected whirlwinds of electronic entertainment and work related gadgets. Plus, many homeowners don’t realize that they are responsible for repairing […]

    May 7, 2019

  • seniors

    Fire Prevention for Seniors

    Attention Mohawk Valley seniors: as you get older your risk of dying in a home fire gets greater. Compared to the general population, people over 65 are twice as likely to be killed or injured in a fire. Smoking is the leading cause of home fire deaths for our seniors. And cooking is the number […]

    April 30, 2019

  • kid on a bike safety

    Bicycle Safety for Mohawk Valley Kids

    Did you know that wearing a bicycle helmet reduces a person’s risk of injury and traumatic brain injury by 88%! That’s according to the New York State Department of Health. Thing is, approximately 19,000 people in New York State are injured due to bicycle related injuries and treated in a hospital each year. And every […]

    April 23, 2019

  • Someone Stole My Fishing Pole…Is it Covered?

    We bet this is the first thing that comes to your mind at the beginning of fishing season: Is your fishing equipment covered on your homeowners insurance? Okay, maybe not the first thing. Unless, of course, something does happen to your gear. We’ll get to that in a sec. But first, we think you’ll agree […]

    April 2, 2019

  • old paint can

    Spring Cleaning in the Mohawk Valley and Hazardous Household Waste

    We checked with the Oneida Herkimer Solid Waste Authority (OHSWA) and found out that now is the time to get rid of your household hazardous waste. The Authority will only take your paints, chemicals, and pesticides from April through September. So we thought this would be a good time to find out more about how […]

    March 26, 2019

  • 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