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  • What Happens with Insurance on a Vacant or Unoccupied Home?

    You might think that it would be unusual for your home to be vacant or unoccupied. But it happens quite often here in Central New York. We know of a friend in a nice neighborhood in the Utica area who lives near two recently vacant homes. In one, the single son and parent have both […]

    February 17, 2015

  • The Best Insurance Deal in Town

    Things happen…we all know that life carries with it a multitude of risks. Your neighbor can trip and fall off your front porch, you can get into a car accident, or your tree can fall over onto the house next door. Most of the accidents in life are minor and no more than an inconvenience. […]

    February 10, 2015

  • Why a New Auto Policy For Your Young Driver May Be a Bad Idea

    If you’re a parent here in the New Hartford area, you either are or will have a young driver in your household. As we recall back when we were that age (a long time ago for many of us here at Scalzo, Zogby & Wittig!), getting your drivers license was the most exciting thing about […]

    February 3, 2015

  • You Might Have More Stuff Than You Think

    Imagine you’ve just suffered a devastating fire. There’s nothing left but the burned out remnants of your home and everything that was in it. Your first worry is most likely, “Am I covered on my homeowners insurance for all of this?” The fact of the matter is, you probably are. We do everything we can […]

    January 27, 2015

  • How to Take Charge of Your Insurance Program for Better Results in Central NY

    Do you ever ask yourself whether you really matter to the people you do business with? Some of us who have been around for a while (yes, that means our own Gary Scalzo and Steve Zogby!) remember when you knew the owners of most of the local stores. If you weren’t sure about a product, […]

    January 20, 2015

  • How Safe Are Your Company’s Profits After a Fire?

    When it comes to protecting your business property from fire, wind, theft, and all of the other perils covered in your Business Property Insurance policy, the first thing on most owners’ minds is the restoration of the property itself. If there’s a fire at the plant or office, damage to the building needs to be […]

    January 13, 2015

  • Risk Transfer to Subcontractors Can Save You Money

    Are you about to hire a contractor to get some work done on your building? Maybe it’s a new roof, some plumbing repairs, or a new addition. If you are, Matt Briggs in our Commercial Lines Accounts department suggests calling him first. The thing he’s worried about is, what happens if the independent contractor you […]

    December 30, 2014

  • The Insurance That People Don’t Like Talking About

    Life insurance is tough to talk about. No one wants to think about dying, especially when they’re healthy with an active family life and successful career. It’s natural that you might want to put off thinking about death when you’re so full of life. At Scalzo, Zogby & Wittig we’ve served generations of clients and […]

    December 23, 2014

  • How Will You Spend Your Auto Insurance Discounts?

    The nice thing about saving money on your car insurance is that if things stay the same, you’ll save year after year. We have plenty of discounts available to you that you’ll be very happy to take advantage of. We ran across this helpful info on the New York State Dept. of Financial Services website. […]

    December 16, 2014