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Daniel J. Middleton

Detailed e-commerce purchase order for a small CNY pottery business.Business InsuranceHomeowners InsurancePersonal Insurance

How to Insure an E-Commerce Shop in Central New York: A 6-Step Guide

CLICK LINKS BELOW TO JUMP TO SECTION Six Steps to Properly Insuring Your E-Commerce Business Step 1: Evaluate Your E-Commerce Business Risks Step 1: Evaluate Your E-Commerce Business Risks Step 2: Decide Which Types of Policies You Need Step 3: Choose How to Shop for Your E-Commerce Policy Step 4: Select a Suitable Insurance Provider Step 4: Select a Suitable Insurance Provider Step 5: Purchase Your Policy Step 6: Keep Your E-Commerce Policies Up to Date Protect Your E-Commerce Shop with the Right Insurance CoverageWhen starting an e-commerce shop, a lot of budding small business owners are unaware of the…
10 Discounts That Can Lower Your Car Insurance Rates - Young Child Dropping a Coin into a Mason Jar that is Labeled Family VacationCar InsurancePersonal Insurance

10 Discounts That Can Lower Your Car Insurance Rates

If you’re paying too much for your car insurance, you may be missing out on some valuable discounts that could lower your premium and save you money. But finding and applying these discounts can be tricky and confusing. We understand that car insurance can be a significant expense for many drivers, and we want to help you find the best coverage at affordable rates. That’s why we compiled this info, to provide ways you can secure discounts that can lower your premium and reward you for being a safe driver and loyal policyholder. You may encounter difficulty finding the best…
A caring CNY dog groomer tends to several adorable customers in her home.Business InsuranceHomeowners InsurancePersonal Insurance

Home-Based Businesses: Is Homeowners Insurance Enough?

Many home-based business owners throughout Central New York think their homeowners insurance will cover them if something happens to their business property, customers, or income. However, this is a dangerous assumption that could put your business and your personal assets at risk. Homeowners insurance has several limitations and exclusions for business-related property, liability, and income loss, such as low coverage limits, no coverage for other structures or data loss, and no coverage for business liability claims or loss of income. Running a home-based business comes with its share of challenges. We understand this and know it takes a considerable amount…
A CNY small business owner sitting in her home office with her furry assistant lending a paw.Business InsuranceHomeowners InsurancePersonal Insurance

The Best Insurance Options for Home-Based Businesses

If you live in Central New York and run a business from your home, you may have to pay for any problems that happen to clients or customers who come to your home or buy your products or services. You’ll likely not get enough money from your home insurance if something bad happens to your business equipment or supplies. Your home insurance may not cover everything you need for your business. This means you could face financial losses or legal liabilities if something goes wrong with your home-based business, such as a customer getting injured, a product malfunctioning, or a…
CNY driving instructor holds a clipboard during a session with a teen student driver.Car InsurancePersonal Insurance

How to Reduce Insurance Costs When Adding a Teen Driver to Your Policy

If you’re the parent of a newly permitted or licensed teen in Central New York, you’re aware of the high cost of car insurance for young drivers. Teenagers are typically charged higher rates than older drivers because they’re seen as more inexperienced and risky by insurers. The higher premiums are how insurers offset the risk. But this can make car insurance unaffordable or burdensome for many young drivers and their families. We understand how frustrating and stressful it can be to pay high car insurance rates for young drivers. You want to protect your loved ones and give them the…
Two vehicles involved in an accident rest on a county route in Central New York. Both drivers have standard deductibles on their policies.Car InsurancePersonal Insurance

How Auto Insurance Deductibles Work in New York State

If you’re a New York resident and aren’t educated about deductibles, you’re at risk of paying too much out of pocket for car insurance claims. This can happen if you choose a high deductible, have a loan or lease that limits your deductible options, or have a personal injury protection (PIP) deductible you’re unaware of. Don’t let high deductibles ruin your car insurance experience. Many New York State policyholders lack clarity and understanding about car insurance deductibles. But deductibles are a crucial part of any auto policy, as they affect how much you’ll pay in case of a claim. However,…
A CNY dad passing the car keys to his newly licensed teenCar InsurancePersonal Insurance

Car Insurance For Your Teen Driver: What Every CNY Parent Needs to Know

If you have a newly licensed teen driver in the family or a teenager about to get their driver’s license, you might be feeling a mix of emotions. You’re proud of their achievement but also worried about their safety and the cost of insuring them. Getting your teenager ready to drive can be a stressful and expensive process. You want them to be safe and responsible, but you also don’t want to pay a fortune for their car insurance. We understand what you’re going through. We’ve helped many CNY parents like you navigate the complex and confusing world of car…
A Central New York driver rents a car without hassle thanks to rental car reimbursement coverage.Car InsurancePersonal Insurance

Rental Car Reimbursement Coverage: What It Is and Why You Need It

As a policyholder in Central New York, you may face uncertainty and confusion about getting a rental car after an accident. Depending on who caused the accident and what kind of insurance coverage each party has, you may have to deal with different scenarios and outcomes. For instance, you may have to use your own insurance, pay out of pocket, or take legal action to get reimbursed for a rental car. You may also have to choose a rental car that meets your transportation needs and fits your budget. These decisions can be stressful and overwhelming, especially when you’re already…
A CNY landlord stands in front of a multi-family home for rent in Syracuse, New York.Landlord InsurancePersonal Insurance

How to Insure Your Multi-Family Home with the Right Policy

If you’re thinking of buying a multi-family house, you might be wondering how to insure it properly. A multi-family house is a property that has more than one unit, such as a duplex, triplex, or fourplex. Each unit can have its own features and amenities, which can affect the cost and coverage of your insurance policy. We understand that purchasing a multi-family home can bring new challenges and complexities, especially for first-time property owners. For that reason, it’s essential to choose an agent with experience valuing multi-family homes, as they’ll ask the right questions and gather crucial information about your…
On move-in day, two children run through a new CNY rental unit while their parents carry boxes behind them.Personal InsuranceRenters Insurance

Landlords, Avoid Liability Issues and Promote Tenant Safety by Requiring Renters Insurance

If you’re a property owner with one or multiple rental units, you’re in a unique business position filled with potential risks. As a landlord, it’s crucial to prioritize your tenant’s safety and protect yourself from possible legal implications. One way to accomplish this is by requiring tenants to purchase renters insurance. Over the years, we’ve seen many property owners face mounting difficulty and litigation arising from landlord-tenant relationships lacking the buffer of a renters policy. We want you to avoid this painful experience by being fully prepared for an array of possible mishaps. That’s why we wrote this article. In…
A roadside service tech changes a tire on the car of a thankful CNY resident.Car InsurancePersonal Insurance

The Benefits of Adding Roadside Assistance to Your Car Insurance Policy

When you’re on the road, you never know when you might encounter a problem with your vehicle. Whether it is a flat tire, a dead battery, or a lockout, you need someone to help you get back on track. That’s why many drivers add roadside assistance to their car insurance. Roadside assistance is a service that provides gas or oil delivery, emergency jumpstarts, towing, or other automotive support in case of a breakdown or emergency. We know how frustrating and scary it can be to face a vehicle problem during a trip, especially when you have other people depending on…
A landlord guiding new renters through a unit in her CNY property.Landlord InsurancePersonal Insurance

10 Common Mistakes New Landlords Make When Purchasing Insurance and How to Avoid Them

As a landlord, navigating the world of insurance can be daunting, and managing a property isn’t easy. Besides insurance matters, you have to deal with tenants, maintenance, taxes, and the occasional legal issue. Then there are the misconceptions about your wealth and responsibilities. Sometimes, you have to bear the unfair stereotypes that society has about landlords. You know, the ones that paint you as a greedy, heartless, and rich person who exploits renters for profit. But we know that’s not true. We know you’re a hard-working, honest, and responsible person who provides a valuable service to your community. Otherwise, you…
A first-time CNY property owner reviews a landlord policy.Landlord InsurancePersonal Insurance

Protecting Your Investment: Why Landlord Insurance is Essential for Rental Property Owners in Central New York

Embarking on the journey of becoming a residential landlord can be a rewarding experience, as it allows you to build wealth and create an additional income stream. As you take your first steps into this new venture, it’s crucial to understand the importance of properly insuring your rental property. If you’ve decided to rent out your CNY property to tenants, you might think that your existing homeowners insurance policy will cover you in case of any damage or liability. However, this is a common misconception that can cost you a lot of money and headaches. Homeowners insurance is designed for…
An uninsured driver crashes into another vehicle on a CNY county route.Car InsurancePersonal Insurance

Understanding Uninsured and Underinsured Motorist Coverage

You’re doing the limit while slicing through Lakeland along Interstate 690 East toward Syracuse. The day is cool and clear, and traffic is sparse for the most part. You say to yourself, “I’ll make my appointment with time to spare.” But before you could finish the thought, a jalopy from the mid-90s tries to cough past you in the left lane, and the struggle results in a blowout that shoots tire shreds across your hood and sends the nose of the jalopy careening into your C-pillar. You spin out of control and grind the guardrail until you stop short of…
A Cato resident looks on from his boat on Cross Lake as his cabin burns onshore.Personal InsuranceSeasonal Home Insurance

4 Factors That Affect the Cost of Seasonal Camp Insurance

Whether purchasing a rustic camp along West Branch Fish Creek in Oswego County or a Tug Hill cabin near Salmon River, investing in a home away from home can be an exhilarating experience. But you shouldn’t overlook the practical aspects that come with owning a second property. One major consideration is obtaining the right insurance coverage for your camp, especially given that information about camp insurance and associated costs can be scarce. In this article, we provide insights on unexpected factors that could influence the cost of your camp insurance policy, such as proximity to a fire station, cost of…
A CNY family enjoying morning views on the porch of their seasonal camp.Personal InsuranceSeasonal Home Insurance

Navigating Insurance Challenges for Your CNY Camp: Tips and Insights for Protecting Your Dream Retreat

Looking for a serene, peaceful property away from the bustling city life in Central New York? It’s not uncommon for people to seek solace in secluded locations like a charming lakeside camp in Tupper Lake or a mountain cabin atop Kaaterskill Creek in the heart of the Catskills. But before diving in and making this special place a part of your family memories, it’s essential to know how you can protect it against the unexpected. Insurance availability for secluded camps might be challenging, but realizing this crucial factor now can save you from future heartaches. When financing your camp, lenders…
April 27, 2023
A rustic cottage nestled in a picturesque CNY forest.Personal InsuranceSeasonal Home Insurance

3 Critical Coverages to Protect Your Seasonal Camp from Unforeseen Risks

It’s a crisp, early autumn morning in picturesque Long Lake. The leaves have just begun to turn their brilliant shades of red, gold, and orange, and a gentle mist hovers over the tranquil forest landscape. Tucked away in the heart of this idyllic Adirondacks setting is your cozy rural camp—a treasured retreat with views of meadows and mountains where memories are made and dreams recharged. But you and your young family are away for the season, so the rustic camp sits empty and closed up for winter. Several weeks pass, and the temperature gradually starts to drop as winter sets…
April 26, 2023
Two CNY bikers glide through the breathtaking countryside on a preferred back road.Motorcycle InsurancePersonal Insurance

Our Top 3 Picks for Best Motorcycle Insurance Carriers

You’ve seen glossy magazines and likely frequented bike dealerships in Syracuse and places like Brewerton and Cicero. You’re no stranger to the fact that motorcycles and their various options are so numerous it’ll make your head spin, even if you’re the most hardcore enthusiast. Chances are, you didn’t purchase the first motorcycle you came across. Instead, you invested time in researching various styles and models to find the one that best suited your preferences. Your interest in this article indicates that you’re equally committed to selecting the ideal insurance policy for your bike. It’s a wise move that many savvy…
April 24, 2023
Two CNY cars were involved in an auto accident. Property damage liability coverage pays for damage caused to the victim’s vehicle.Car InsurancePersonal Insurance

What Does Property Damage Liability Cover?

It’s a beautiful spring day in Clay, New York. Dave is behind the wheel, cruising toward Dick’s Sporting Goods to buy new kayaking gear. As he approaches a busy intersection, his phone suddenly rings, pulling his attention away from the road for a split second. That’s when it happens. Before Dave knows it, he is inadvertently colliding with a gleaming BMW making a turn across his lane. Dave is shaken but uninjured. He looks left and immediately sees the damage the BMW took. But he isn’t worried. This is precisely where property damage liability (or PD) comes to the rescue.…
April 21, 2023
A female CNY biker preparing to tear across a back road.Motorcycle InsurancePersonal Insurance

Essential Motorcycle Insurance Coverage Every CNY Biker Should Have

You’ve decided to join the CNY motorcycle community. You’re actively doing research and are eager to experience the joy of riding on the open road. But first, you have to secure motorcycle insurance. You’re probably wondering if any special coverages or protections exist that you should have as a motorcycle owner. That’s why you’re here reading this article. You know that motorcycle insurance is not only mandatory by law but also vital for your safety and protection. But as a new rider, you may not be familiar with the different types of coverage that are available and how they can…
April 19, 2023
An older CNY biker smiles, knowing the ride of his choice is properly insured.Motorcycle InsurancePersonal Insurance

4 Factors That Affect the Cost of Motorcycle Insurance

You’ve dreamed of riding a motorcycle. The thrill of the open road, the wind whipping around you, the freedom to explore. You finally saved enough money to buy a bike, and you can’t wait to hit the road so you can cruise routes like New York 28, which winds through rolling hills along Ashokan Reservoir in the Catskills. But before you do, you need to get motorcycle insurance. You know it’s important to protect yourself and your bike, but you’re not sure how much it will cost or what factors will affect your premium. You don’t want to overpay or…
April 18, 2023
A boat being launched into calm CNY waters from a trailer ramp.Personal InsuranceWatercraft Insurance

4 Factors That Affect the Cost of Boat Insurance

Cruising the Seneca River or taking in a day of fishing on beautiful Lake Ontario are the daydreams of many soon-to-be boat owners. If you’re new to boating, you probably haven’t added insurance to that daydream. But it’s important not to overlook the insurance for your boat or the costs associated with the policy. Knowing what impacts those costs is also critical to avoid overspending to protect a beloved pastime like boating. But have no fear, we’ll introduce you to the four biggest factors influencing boat insurance premiums. As an agency in the middle of a river town, we’ve educated…
April 11, 2023
A CNY family enjoys a sail on the lake with peace of mind because they have proper boat insurance.Personal InsuranceWatercraft Insurance

5 Boat Insurance Mistakes First-Time Boat Buyers Make

The lure of fast CNY boats gleaming as they cut through the water, creating beautiful white wakes, is irresistible. You’ve narrowed your search for your own boat and are getting close to buying one in time for the season. You can already see yourself using one of the many waterways CNY offers. Before long, you’ll be cruising the Seneca River, skiing with your friends on Cross Lake, or spending the day with your family soaking up the sun at Sylvan Beach. But, before you set sail, take a moment to make sure you have the best insurance protection for your…
April 6, 2023
A certificate of insurance form sits on a tabletop among small contractor tools.Business InsuranceGeneral Topics

How to Handle a Certificate of Insurance Request

Business is going great. And recently, a potential client over in Homer looked you up, liked what he saw, and reached out to inquire about a kitchen remodel. But before you can scope the work, present a timeline, or even a budget, the client says: “I was wondering if you could provide me with a certificate of insurance before we get started.” Yep. You need to show proof of business insurance to land this job. But how do you go about doing that? Why can’t you just show them your insurance policy and be done with it? This is probably…
April 4, 2023
An underground sewer line rupture results in wastewater spewing onto the lawn of a CNY resident.Homeowners InsurancePersonal Insurance

What is Underground Sewer Line Insurance?

There are likely two reasons why you’re reading an article about underground sewer line coverage in Central New York: You received something in the mail from your water utility company, like OCWA or, You were sent to this page via a link elsewhere on our site. Whatever the reason, your fear is true: you are responsible for the underground sewer lines that run from your house to the street. Should those aging lines rupture, it would be an expensive repair job that neither a standard home insurance policy nor the municipality will pay for. Thankfully, we’re an insurance agency residing…
April 4, 2023
An injured contractor with workers comp visits his doctor.Business InsuranceWorkers Compensation

Why Must CNY Contractors Have Workers Comp Insurance?

You gave a great pitch and offered a competitive bid on a sweet job a client agreed to. The project is practically yours. So you lay out plans to get started. But then an email arrives from one of your client’s employees saying, “Hey, good morning. We also need proof of your insurance coverage.” You think to yourself, No big deal. You have your general liability and commercial auto insurance, so you figure you’re in good shape. But when you reread the email, you see they also need your workers compensation insurance info. Workers Comp? But you’re a one-person operation.…
March 31, 2023
A masked burglar sneaks into a garage to steal tools belonging to a small contractor.Business InsuranceGeneral Topics

Proper Tool Insurance for Small Contractors

Your tools and equipment are the lifeblood of your work. Without them, you can’t finish the job and collect payment. If some of those tools go missing, sure, you can replace a few if you had to on the fly. But what if your Snap-on tool chest was rolled out of your garage along with everything in it? What if your hand tools were stolen from the job site or destroyed in a fire? If you’re here, these problems have occurred to you or someone you know. You want to insure your tools but aren’t sure where to start. As…
March 31, 2023
A small contractor with personal auto insurance narrowly misses a car at the intersection.Business InsuranceCommercial Auto Insurance

When Should Small Contractors Switch from Personal to Commercial Auto Insurance?

It’s a sunny spring morning in Central New York. You woke up energized and immediately started loading your truck with 2x4s and tools for the job you landed weeks ago. You’re turning into a small contractor, and it feels great. Things are looking up. You take a sip from your cup of piping hot morning coffee before you back out of the driveway. But you glance down to switch the radio station for what seemed like a split second and narrowly miss your Mercer Street neighbor, Kathy, who was just passing by in front of your house. You quickly hit…
March 30, 2023
A 1920 Colonial Revival on fire.Homeowners InsurancePersonal Insurance

Choosing the Right Homeowners Insurance for Older Homes

If you own an “older” home in Central New York, the insurance policy you choose will determine what will be built in its place if a covered catastrophe were to destroy it. Some homeowners love the old-world details and artistic touches and want to see those intricately restored. Other CNY homeowners? Not so much. They are fine with a replacement home that is modern and affordably built. Depending on how attached you are to those classic details, knowing how insurers classify the age of homes will allow you to choose the right insurance policy, which will leave you prepared for…
March 27, 2023
Erie Insurance is the best-in-class carrier for renters insurance in Central New York.Personal InsuranceRenters Insurance

Erie Insurance: The Regional Carrier Leading the Way in Renters Insurance

Unless you’re in the business or are facing an immediate crisis, insurance isn’t something you give much thought to. And when we niche down to personal lines, a Renters Policy doesn’t even make the list for many Central New Yorkers. Some who do consider renters insurance believe that those policies are created equal. That myth is perpetuated by rental property managers who direct tenants to a preferred insurer which often leads to inferior but expensive coverage for the renters. Our agency has written hundreds of renters policies for CNY residents through various carriers over the years, and we have found…
March 27, 2023
Chart showing how inflation drives up insurance rates and the cost of a home, car, and other goods and services.General TopicsPersonal Insurance

How Inflation Is Driving Up Insurance Rates

You’ve been busy with life and work, and months have flown by like days. The seasons changed: fall gave way to a crisp CNY winter, and spring appeared like an old friend bearing a gift. While you were caught up in the swift passage of time, you may have missed the arrival of your insurance policy renewal. And sadly, it didn’t show up alone. It brought a friend ... another rate increase! In fact, Insurance rates have been on the rise for a while now, along with the increased cost of goods and services you’re used to. As insurance agents…
March 14, 2023
Using your personal vehicle for work? You may have an insurance problem.Car InsurancePersonal Insurance

Avoiding Coverage Gaps: Tips for Properly Insuring Your Personal Vehicle Use for Work

Do you work for an employer or own a business but drive your personal vehicle for the company? Sounds like a simple question on the face of it, but many drivers don’t think much about their vehicle use until the worst happens: getting in an accident while driving your personal vehicle for work. If you commute to your job at a Cicero shopping complex daily and park for hours before going to lunch and then home, you’re fine. Or you might be a remote worker who stays home on a laptop most of the day and runs out once in…
March 13, 2023
Travelers Insurance logo for the Horan Review.General TopicsPersonal Insurance

Travelers Insurance: The Horan Review

Travelers Insurance is among the most well-known Property and Casualty carriers we’ll cover in this series of Horan Reviews, so they need no introduction. But we’ll introduce them anyway for those who know little about what the insurer does and how its products work. Though you may have heard of Travelers—since the company’s annual advertising budget is close to $100 million—you may not know about some of their unique policy functions and how those policies can benefit you. In this Horan Review, we’ll explore those unique features and look at what might make Travelers a good or not-so-good fit for…
March 2, 2023
Main Street America Insurance logo for the Horan Review.General TopicsPersonal Insurance

Main Street America Insurance: The Horan Review

Main Street America Insurance, based in Jacksonville, Florida, is a fairly large national carrier licensed in New York and 36 additional US states. But they’re not as well-known as other large insurance companies who outspend Main Street by hundreds of millions of dollars on TV, radio, and print ads each year. For that reason, many Central New Yorkers have heard little about the company. Main Street still writes many personal and commercial policies through dedicated independent agents living and working in vibrant communities in our region. In this Horan Review, we’ll look more closely at some of their unique policy…
March 1, 2023
Progressive Insurance logo for the Horan Review.General TopicsPersonal Insurance

Progressive Insurance: The Horan Review

Unlike several regional insurance companies featured in our Horan Review series, Progressive happens to be a national household name. The carrier spends nearly a billion dollars annually on unique marketing campaigns, mainly featuring the fictional upbeat sales expert Flo. So, you’re likely familiar with Progressive’s brand. But it’s probably fair to presume you know little about the company itself and the lines of insurance products it sells. Understanding what those products are, what they do, and how well they function as coverages goes a long way in determining if Progressive is a good fit for your insurance needs beyond the…
February 28, 2023
Dryden Mutual Insurance logo for the Horan Review.General TopicsPersonal Insurance

Dryden Mutual Insurance: The Horan Review

Dryden Mutual Insurance is a regional carrier in Upstate New York. Since they serve a single state, their marketing dollars are concentrated in New York, but the company doesn’t have the huge ad budget larger national rivals wield, so you’ve likely heard little about them. But Dryden Mutual has been around longer than many other carriers, and the company has established itself with property and general liability lines of insurance that can be tailored to suit an array of circumstances faced by its policyholders. In this Horan Review, we’ll explore Dryden’s unique insurance products and coverages and help you determine…
February 27, 2023
Sterling Insurance logo for the Horan Review.General TopicsPersonal Insurance

Sterling Insurance: The Horan Review

Sterling Insurance is one of the oldest insurers in the state of New York. Yet, the company’s name doesn’t fly off the lips of most Central New Yorkers. That’s because tens of millions of dollars aren’t allocated to television and radio ads like many national insurance carriers. That hasn’t stopped Sterling from strategically positioning itself in other ways, such as tailoring its insurance lines and technology to serve New York residents and businesses in a specific market. By focusing on New York State, Sterling uses its knowledge of New York geography and climate to key in on unique policy needs,…
February 22, 2023
NYCM Insurance logo for the Horan Review.General TopicsPersonal Insurance

NYCM Insurance: The Horan Review

You’ve probably heard little or nothing about NYCM Insurance (or New York Central Mutual), even though they’ve been around for over 100 years. This review will shed light on what the company is and what it does. Unlike the national carriers whose advertisements are seen far and wide, NYCM concentrates its efforts on a regional footprint, focusing on residents of New York State. We’ll start with NYCM’s history and highlight a few insurance products and benefits one can expect from the insurer. After you read this review, you’ll be able to decide if they’re a good fit for your insurance…
February 15, 2023
Erie Insurance logo for the Horan Review.General TopicsPersonal Insurance

Erie Insurance: The Horan Review

If you’ve never heard of Erie Insurance or know little about the company, this review will answer many questions about who they are and what they do. You’re probably more familiar with national insurance carriers whose catchy television commercials interrupt your programming. Erie spends little on advertising and focuses more on policy offerings, so that’s one of the reasons they’re not a household name for most people. But as you’ll see, Erie has been selling insurance for close to a century, which is why they’ve established a proven track record of trustworthiness and dependability. How Erie Insurance Started Erie was…
February 10, 2023
Lighting striking a house in Central New York. One of the covered perils of hazard insurance.Homeowners InsurancePersonal Insurance

What is Hazard Insurance?

If you’ve been through the Central New York homebuying market, you’ve probably heard the term “hazard insurance” used to describe a necessary policy component. Some mistake hazard insurance as a separate and distinct policy from homeowners insurance, but it’s not. The Horan agency has worked with many homebuyers who had this coverage portion built into their homeowners policy. In this article, we’ll clear up the confusion and leave you with a better understanding of what hazard insurance is and why lenders require borrowers to purchase it. The Mortgage Loan Hazard Insurance Requirement If you walk into a bank and attempt…
February 1, 2023
An insurance agent explains auto liability coverage limits to a CNY resident.Car InsurancePersonal Insurance

Auto Liability Coverage Limits Explained

Many Central New Yorkers purchase insurance policies without a second thought. Because of that, they don’t fully understand some of the policy details involved. One of those details is an auto policy’s liability coverage limits. You can think of coverage limits like a ceiling. Insurance carriers pay out sums no higher than those figures to cover damages you have caused (such as up to $100,000 to another driver who suffers bodily injury during a crash, if that’s your policy limit). If you don’t have enough liability coverage, an auto accident may cost far more than you can afford. That’s why…
January 24, 2023
Select the right insurance agent for your policy search.General TopicsPersonal Insurance

Insurance Agent or Broker: Which Should I Choose?

To the layperson, the insurance industry comes with complexities, reams of paperwork, and mind-boggling logistics. And buying insurance is no less complex. If you’re the average CNY resident, purchasing insurance has never been more accessible since it can be done through various methods. You can use agents, brokers, or, in some cases, “buy direct” from an insurance carrier. Each method has its pros and cons, and it can be difficult for the average person to know which option is best for their specific situation. That’s why it’s critical to conduct careful research before buying insurance. Clients who choose Horan as…
January 10, 2023
Young female renter holding the key to her new CNY apartment.Personal InsuranceRenters Insurance

Why Young Renters in CNY Need Renters Insurance

You’ve made it to independence, which means holding a shiny set of keys to your first apartment. The kitchen is all yours, even if you don’t plan on using it much. And the days of waiting in line for the bathroom are over. You’ve also got more rooms than you know what to do with, and you’ll need more stuff to make the echoes go away. When you’ve completed your buying spree, add one more necessary item to the list. But Why Do I Need Renters Insurance? I’m glad you asked. Here’s the thing. In a perfect world, nothing ever…
December 8, 2022
A sledder cutting through deep snow in Central New York.Personal InsuranceSnowmobile Insurance

Do I Need Snowmobile Insurance in Central New York?

It’s that time of year again when Canada, our neighbor to the north, sends cold air across the warm surface of the Great Lakes, giving us that heavy lake-effect snow we love to play in. Central New York is almost unrivaled for its nor’easters, snow squalls, whiteouts, and polar vortexes that make for the perfect snowmobiling landscape. For some, this weather creates a longing for life in the Deep South; for others, it’s an ideal playground. If you’re reading this, you’re probably about to join over 100,000 New Yorkers who own a snowmobile registered with the Department of Motor Vehicles.…
December 1, 2022