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
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
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
In today’s world, where unexpected incidents can lead to costly litigation, personal liability insurance serves as a critical safeguard for financial and legal protection. It is a type of coverage designed to protect individuals from financial ruin in the event of an accident or mishap for which they are held legally responsible. While it may […]
January 7, 2025
In our last post we offered tips on preparing your car or truck for the cold days ahead. Thing is, winter in the Utica area can also be challenging for homeowners. But there are things you can do to protect your home from freezing temperatures, snow, and ice. This not only ensures comfort but also […]
December 3, 2024
Two top priorities for your student at college are likely academics and their social life. Property loss prevention? Often not thought of till important possessions are stolen or even lost in a fire. Thing is, students are particularly vulnerable to property theft or damage due to their transient living situations and the increased risk of […]
September 17, 2024
We hope everyone in the Mohawk Valley enjoyed their Labor Day Weekend as they get the kids ready for school and think about cooler weather to come. And speaking of weather, September brings some of the most beautiful days we experience here in the Utica area. Low humidity and sunny skies make it the perfect […]
September 2, 2024
Homeowners insurance policies are designed to provide financial protection against various types of losses or damages to a home and its contents. Among the many items covered under a standard homeowners insurance policy is sports equipment. This coverage can be particularly valuable for athletes and sports enthusiasts who own expensive gear. Understanding how this coverage […]
July 9, 2024
Here in the greater Utica area we eagerly anticipate the dazzling displays of fireworks that light up the night sky, symbolizing the nation’s independence and spirit. However, while fireworks bring joy and excitement, they also come with significant risks. Each year, thousands of people, particularly children and teenagers, are injured in fireworks-related incidents. Understanding the […]
June 25, 2024
