Is your landscaper or that deck builder insured? Does it Matter?

By | Accidents, claims, Homeowners Insurance, landlord protection

When others do work at your house, should they be insured? As the summer months come upon us, contracting season goes into full bloom.  New patios and decks or weekly grass cutting bring contractors to your doorstep. They provide estimates, plans, ideas, and more. What about insurance? What is said about that? Is it on your list of things to ask about? It needs to be. What’s the risk? Home Ownership 101. What happens on your property is your responsibility. That’s right…yours and yours alone. Just because someone has fancy graphics on a truck or a business card, does not…

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DON’T Break Glass in Case of Emergency!

By | Auto Insurance, claims

Don’t Break Glass in Case of Emergency! The sound of the car door closing behind you rings in your head, and then it happens. Keys!! You turn and peer into the window, and there they are. Sitting like orphans on the front seat, or hanging from the ignition. Your brain goes through rapid fire scenarios and possibilities as to how you’ll resolve this. Do you: Call someone at home to bring a spare key? Use your roadside assistance plan? Call a locksmith? Grab a wire hanger? or…. Bust the window!? If you have comprehensive insurance coverage with a zero dollar…

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don't let frozen pipes in syracuse new york happen to you

Have you heard that one about the exploding pipe?

By | claims, Homeowners Insurance

We choose to live this way. Maybe that’s the problem. We could all band together and begin the mass exodus out of Syracuse. Perhaps the northeast altogether? When the average high temperature resembles a pro-golfer’s score through 3 holes, things get tempting. Alas, we will forge on and swear to never complain about the heat in August. In the meantime, let’s be sure to keep the heat on and run the water. Bursting pipes and water damage are some of the most frequent claims in the wintertime. While a standard home insurance policy will provide coverage for such a claim,…

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If my car is stolen, what happens?

By | Auto Insurance, claims

Question 84 in 100 Insurance Questions in 100 Days Video Series! Hopefully a stolen car is not something that you will ever have to experience. However, in the event your car is stolen, but later recovered what do you think might happen to it? How does it work with your insurance company? Watch this brief video to learn more.

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What insurance gaps exist when driving for Uber or Lyft?

By | Auto Insurance, claims

Driving for Uber or Lyft in New York State? Thinking about driving for Uber or Lyft in New York State (specifically central and upstate)? Ride-sharing is an exploding industry which has taken the use of modern technology and made it simple to book a ride with just a couple of clicks on your Smartphone. It’s also become another way for people to earn some extra money. If you own a car, can meet some basic background requirements, and are over 18, then you can apply to become a driver. Then, just wait for someone to book a ride with you…

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Can I spouse be liable to the other in a car accident?

By | Accidents, Auto Insurance, claims

Question #61 in 100 Insurance Questions in 100 Days Video Series! There is a little known limit of coverage that one can add to an auto policy in New York. It is called supplemental spousal liability coverage. It essentially allows a spouse to sue the other spouse for bodily injury they sustain as a result of an at-fault accident committed by the other spouse. Watch this brief video for more information.

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