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
On April 22, the 49th annual Earth Day is expected to include more than 1 billion people in nearly 200 countries taking part in what the Earth Day Network calls “the largest civic-focused day of action in the world.” Since the first Earth Day in 1970 (which was connected to the passage of the Clean […]
April 16, 2019
If you have a teen driver in the family, he or she is more likely to be in a car accident than other drivers. The New York Department of Health says, “Motor vehicle crashes are the leading cause of unintentional deaths and hospitalizations for teens age 16 to 17 in New York State.” Why? Teens […]
April 16, 2019
The Adirondacks, Finger Lakes, and Great Lakes make New York State a haven for boating. And closer to home in the Mohawk Valley are Hinckley Lake, Lake Moraine, and Canadarago Lake, where Central New Yorkers enjoy summertime fun. Boating is most often a family affair, with mom, dad, and the kids all riding our pristine […]
April 9, 2019
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
April is tax season, so a lot of people are thinking about their finances these days. But if you’re like most people, you’re probably thinking in the short term: What’s my refund going to be—or how much do I owe? And what is that going to do to my monthly budget? It’s good to be […]
April 1, 2019
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
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 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
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
