A Homeowners 3 insurance policy, often referred to as an HO-3, is insurance coverage designed to protect homeowners against a range of risks and perils. It provides coverage for both the dwelling itself, detached structures, and personal belongings within the home. The thing we like about an HO-3, as opposed to the more limited HO-2 […]
June 13, 2023
Memorial Day has a rich history that spans over 150 years. Originally known as Decoration Day, it originated in the aftermath of the American Civil War and has since evolved into a solemn occasion to honor and remember the brave men and women who sacrificed their lives while serving in the armed forces. The origins […]
May 23, 2023
Now that the sun is shining, eager cyclists are back on the road. For car and truck drivers it takes some getting used to. After months of winter driving, we haven’t seen bike riders in quite a while. So bike enthusiasts…be careful out there! According to the CDC, nearly 1,000 bicyclists die each year in […]
May 16, 2023
May is National Barbecue Month, which got us thinking about how popular barbecuing is here in the Utica area. For one thing, there’s socializing with friends and family. Who doesn’t relish the people you care about gathering together to enjoy food and conversation in a relaxed outdoor setting. And speaking of the great outdoors, people […]
May 9, 2023
On April 20 we posted on our Facebook and LinkedIn pages a link to the National Work Zone Awareness Week website. We thought it important because of the springtime roadwork we are seeing here in the Utica area. Our concern is, highway work zones can be dangerous for both workers and drivers. That’s why it’s […]
May 2, 2023
New York State’s “No Empty Chair” campaign is underway this week, Monday, April 24 to Friday, April 28. What does this mean for the Utica area community? Hopefully, safer teen driving. The initiative raises awareness through teen driving safety education and law enforcement with the hope that there will be no empty chairs at this […]
April 25, 2023
This might change your mind about backyard composting. 28 percent of waste deposited in landfills can be composted. If everyone in the U.S. composted, it would be like removing 7.8 million cars from the road. And, for Utica area gardeners, soil with compost added can hold 2.5 times more water than traditional soil, reducing the […]
April 18, 2023
“Enough with the phones already. Just put them down.” That’s the message from the National Highway Traffic Safety Administration (NHTSA) during April. And of its U Drive. U Text. U Pay initiative that saw New York State law enforcement mobilize to step up patrols watching for distracted driving April 3 through April 10 of this […]
April 11, 2023
The Easter Bunny is a beloved symbol of Easter, fun and cheerful. It’s a reminder of the new life that comes with springtime, and the joy that Easter brings to children and adults alike. But its origins are somewhat mysterious. Some believe that it originated in Germany in the 17th century, where it was known […]
April 4, 2023
A spring tide lifts all boats…at least all the boats owned by those who love the lakes, rivers, and canals in the great state of New York. Now that spring is here and summer is around the corner, it’s time to think about getting your boat ready for the water. And that includes the insurance. […]
March 28, 2023
