Most people assume their homeowners and auto insurance policies cover every situation they might face. While these policies provide critical protection, they each come with coverage limits. What happens if you’re found liable in an accident or lawsuit that costs more than your policy covers? That’s where umbrella insurance steps in. What Is Umbrella Insurance? […]
September 23, 2025
Few things are as comforting here in the Utica area as gathering around a warm, crackling fire on a cold night. Fireplaces add ambiance, charm, and heat to a home—but they also pose significant safety risks if not properly maintained and used. Each year, thousands of house fires, injuries, and even carbon monoxide poisoning incidents […]
September 9, 2025
Homeowners and renters policies include coverage for personal property, but many people are surprised to learn that their standard insurance has strict limits when it comes to high-value items. Jewelry, fine art, antiques, collectibles, furs, silverware, and even certain musical instruments often exceed the default policy limits. That’s where a Valuable Items Insurance Policy—sometimes called […]
August 26, 2025
If you rent a home or apartment, you might assume you don’t need insurance because your landlord’s policy covers the property. While it’s true your landlord’s insurance protects the building itself, it doesn’t cover your personal belongings. Or your liability if something goes wrong and you’re sued personally for bodily injury or property damage. That’s […]
August 12, 2025
While many pool safety conversations focus on children, adults are not immune to accidents in or around inground swimming pools. Slips, falls, drownings, electrical hazards, and alcohol-related incidents are all risks that can affect adult swimmers. Whether you’re hosting a pool party or enjoying a quiet evening swim, keep in mind that even adults need […]
July 29, 2025
Summer here in the Utica area is all about making memories—grilling burgers, chasing bubbles, and watching the kids run barefoot through the yard. A backyard BBQ is a perfect family event, but when children are involved, both fun and risk levels increase. Whether you’re hosting your neighbors, your kids’ friends, or extended family, it’s wise […]
July 8, 2025
Recreational vehicles (RVs) offer freedom and adventure, making them a popular choice for road trips and vacations. However, operating an RV requires special care due to their size, weight, and unique handling characteristics. Whether you drive a motorhome, travel trailer, or camper van, practicing safe driving is essential to protect yourself, your passengers, and others […]
June 17, 2025
The National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA), provides flood insurance to property owners, renters, and businesses in participating communities. Scalzo, Zogby & Wittig, Inc. is a provider of flood insurance to our clients here in the Utica area. Because standard homeowners and renters insurance policies in New York […]
June 3, 2025
For parents in Central New York who own firearms, ensuring the safety of children in the home must be a top priority. While guns can provide protection and peace of mind, they also pose a serious risk when not properly stored or handled. Every year, children are injured or killed in accidental shootings—many of which […]
May 13, 2025
For car enthusiasts, a classic car is more than just a mode of transportation — it’s a treasured piece of history, craftsmanship, and personal pride. Whether it’s a vintage Mustang, a restored Corvette, or a rare European import, owning a classic car comes with unique responsibilities, including securing the right insurance coverage. Standard auto insurance […]
April 29, 2025
