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Blog-Homeowners-Policy

My Homeowner’s Policy Covers Fire, Right?

By Homeowners Insurance, Insurance

As a personal lines insurance agent for many years, I cannot say I have seen it all. However, I have seen a lot. I think the more important thing is what I have not seen, but very easily could have. I apologize if this seems cryptic, so I’ll explain. For most homeowners, their initial response is, “Yes, my house is insured if it catches fire!” and usually they would be correct. This is not about the usually. This is about the unusual that I’m beginning to see more and more frequently. “The House is for Sale! We’re out of here!”…

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Business Unusual

By Business Insurance, Community, Guest Blog

Business Unusual – MaryAnne Williams; Executive Director of GBCC. Baldwinsville is a truly exceptional community and 2020 has been an example of how we work together, particularly in times of crisis. Greater Baldwinsville Chamber of Commerce (GBCC) membership consists of individuals, businesses, churches, civic groups, and other organizations, and it was heartening to see these entities cooperating during the shutdown to try and keep everyone and everything afloat. I am always particularly impressed by the businesses that collaborate with other businesses, even when they are technically competitors. They understand that by working together, they all benefit. I am also amazed…

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After the Fire and Rain

By claims, Guest Blog, Homeowners Insurance, landlord protection, Personal Insurance

What Happens After the Fire’s Out or the Water Stops?   By Local Guest Blogger: Lorraine White of Property Restoration, Inc.   12-Step Restoration Procedure Evaluate your Emergency– Get to safety and call 911 for a true emergency.   Call your insurance agent– Report the claim. If it’s after business hours, call claims and take notes for any questions you want to ask your agent.   Selecting Restoration Services– Know your options! You have a “right” to choose which Water/Fire Damage clean-up company come into Your Home. It is nice to have a referral of a company that is known. Check Google Reviews and other avenues to feel confident with your choice.  …

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Top 10 Weirdest Insurance Claims

By claims, Insurance, Specialty Insurance

Top 10 Weirdest Insurance Claims Protecting yourself in the event of damage, loss, illness or death is what insurance is for. As an adult, you most likely have several types of insurance: car, life, homeowners, etc. If your house catches on fire or you get into an auto accident, you file a claim to receive compensation for replacing or fixing what you’ve insured. However, insurance goes far beyond auto, home and life. When it comes to claims, there have been more than a handful of offbeat occurrences. Here are the top 10 weirdest insurance claims and policies to date. 1….

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Phase II COVID-19 – HOW IS IT AFFECTING THE CNY REAL ESTATE INDUSTRY?

By Community, Guest Blog

Phase II COVID-19  – HOW DOES IT AFFECT THE REAL ESTATE INDUSTRY? By: Local Guest Blogger; Tracey Kline of 315 Realty Partners in Baldwinsville We have all had to adjust to a new way of life and I am sure you are thinking as I am, we will not be going back to “normal” any time soon. The Real Estate industry has certainly seen some changes during the unprecedented global pandemic. That being said, “Real Estate Must Go On”. If you have not been actively working to buy or sell a home, you may not know of all the changes…

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A Gift to Baker High Seniors

By Community

Baker High Seniors Receive a Gift from Horan and Erie Insurance. On Tuesday, May 26th, we at Horan Companies presented Baker High School Principal Kris Denton with a gift for select students of the Baker High Class of 2020. With a little help from Erie Insurance, we were able to purchase one thousand dollars worth of pizza and wing vouchers. Exactly 100 hundred vouchers were purchased evenly from local Baldwinsville restaurants; Pizza Man and Angry Garlic. Principal Kris Denton Receives 100 Vouchers The idea came when Erie Insurance offered a financial opportunity for its agents to give back to their…

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EPL Insurance in the workplace

#MeToo and EPL Coverage

By Business Insurance

#MeToo and EPL Coverage   Since the #MeToo movement started in October of 2017, many powerful predators and employers have been brought to justice and been rightfully punished for not only preying on their employees, but for violating laws regarding discrimination and wrongful termination. While this is a great improvement for people in the workplace, some business owners feel they might be at risk for being sued because an employee might file a suit believing they were terminated or not hired based on sex – a clear violation of Title VII of the Civil Rights Act of 1964. In the…

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Unmarried Couples & Insurance

By Homeowners Insurance, Renter's Insurance

Unmarried & Uninsured? As people continue to delay marriage and cohabitation rates increase, the amount of unmarried partners buying insurance will increase. However, being “unwed” while living together can cost you money or protection from an insurance perspective. When married couples are on the same policy there are more discounts . Not to mention improved tiering, consolidated billing, plus other benefits. This is changing rapidly and now many unmarried couples can buy insurance at a competitive rate compared to married couples. Caution… However, there are some nuances to be aware of especially if you decide to move in with your…

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The Absurd Value of Homeowner’s Insurance

By claims, Homeowners Insurance

The Absurd Value of Homeowner’s Insurance Homeowner’s insurance is one of the most common forms of insurance because similar to cars, many lenders won’t allow you to buy a home without first having insurance in place to protect it. Those lenders understand how important homeowners insurance is. When you break down everything it covers, the premiums you pay every month can seem like a steal. The average homeowners insurance premium is somewhere around $1,000 a year. This can be higher or lower depending on where you live. For the math though, $1,000 is a nice round number that will make…

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2019 New York State Paid Family Leave Updates

By Employee Benefits, Insurance News

Year 2 of New York State’s Paid Family Leave On August 31st, New York’s Department of Financial Services (DFS) published the NY Paid Family Leave (PFL) rate for the 2019 calendar year. For 2019, the maximum contribution rate for Paid Family Leave will go from 0.126% to 0.153% of the employee’s gross annualized wages capped at the new annualized New York State Average Weekly Wage (NYSAWW) of $70,569.72* per year (learn more here);  which translates to a maximum annual premium contribution of $107.97 per employee. The rate for Paid Family Leave has been increased 21.4%. This takes into consideration the increase of benefits for 2019 which has also…

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