Category: Uncategorized


  • how to start a small business

    Are You Thinking of Starting a Business?

    Small business is the backbone of the Mohawk Valley. That’s different than our storied history of larger corporations. Longtime residents will remember General Electric, Chicago Pneumatic, and a thriving Remington Arms. We even had our own airline, Mohawk Airlines!! But except for insurance companies (we represent all three), like Utica National, Utica First, and NYCM, […]

    September 14, 2021

  • flood insurance utica ny

    What You Should Know After Your Home is Flooded

    Flooding is the new normal here in the Utica, New York area. That may be from climate change. Or new construction over the years. Be that as it may, more and more of us are experiencing the devastating effects of flood damage to our property. What if that is you? What should you do after […]

    September 7, 2021

  • e-bike insurance

    Is Your E-Bike Covered On Your Homeowners Insurance?

    Have you noticed this on Utica area roadways? Bicycles zipping along faster than anyone could peddle them. You do a double take and realize you’re seeing a motorized bicycle, or Electric Bike. As E-bikes have become more popular in the Mohawk Valley, we wanted to find out more about them. First, a bicycle with electric […]

    August 31, 2021

  • car home insurance discounts

    26 Car and Home Insurance Discounts & Credits

    At Scalzo, Zogby & Wittig, Inc. we talk a lot in our blog about what insurance covers. That’s because we want to help you understand your policies better. We feel that the more you know, the easier it is for you to get you the right coverages for your situation. But what about saving money? […]

    August 24, 2021

  • uninsured motorist coverage

    You Have Good Car Insurance, But What About the Other Guy?

    You’re on your way to the grocery store, a short drive from home. A car traveling in the other direction starts swerving into your lane. You know right away what’s up. The driver is on his phone. Turns out he’s texting his girlfriend and doesn’t realize he’s heading straight for you. Then the worst happens. […]

    August 10, 2021

  • home insurance cover lightning

    Lightning Never Strikes Twice…Or Does It?

    If you think it rained a lot in Central New York last month, you’d be right. It rained 10.13 inches this July! That’s compared to 2020’s 6.84 inches. And only 3.80 in 2018. If that weren’t enough, we’ve experienced severe flooding and dangerous thunderstorms. As we all know, lightning comes before all of that thunder. […]

    August 3, 2021

  • scams to avoid

    3 Scams to Avoid: Your Grandson’s In Jail, Cheap Rental Cars & Auto Warranties

    The web as we know it was invented for sharing. It started in academia as a way for researchers to communicate with each other. To share information, stories, and entertainment. But then came the criminals. Such is the absurdity of life. Always a bad side to useful innovation. So we checked with the Federal Trade […]

    July 27, 2021

  • 5 Tips to Safely Kayak New York Waterways

    “New York State has more than 7,500 lakes, ponds and reservoirs and more than 70,000 miles of rivers and streams.” And anyone who’s visited the Adirondacks, Oneida Lake, or Black River has noticed the popularity of kayaking. As much fun as it is, we thought this would be a good time to point out some […]

    July 20, 2021

  • umbrella insurance utica ny

    Is Car and Home Liability Insurance Enough?

    When we think of being sued personally, the hazard that typically comes to mind is our vehicles. Driving cars and pickups is probably the most dangerous thing we do. At least in our personal lives. Indeed, according to the Centers for Disease Control and Prevention (CDC), car accidents are a leading cause of death in […]

    July 13, 2021

  • car insurance utica ny

    3 Most Common Utica Area Car Insurance Blind Spots

    We’ve found that when people first buy car insurance, their number one priority is to get their car on the road. They’re usually young and excited about getting their own vehicle. To many of them, insurance is just a mandate. An annoying bureaucratic step in the process of getting them on the road. We understand. […]

    July 6, 2021