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Emerling Agency, LLC Blog

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The explosive growth each year in online holiday sales means shoppers need to be extremely diligent in making digital purchases. While Black Friday and Cyber Monday – the Friday and Monday after Thanksgiving – are still big days for online retail shopping, more consumers are shopping online throughout the year. READ MORE >>

Blue Cross Blue Shield Health & Wellness Experts shared with us that according to research from Cornell University, the holiday season is a time when individuals gain more than just cherished memories; they gain weight too. READ MORE >>

Fallen trees are common, especially this time of year with the heavy winds & snow.  Here are five important things to keep in mind: 1. Your homeowners insurance likely covers tree removal and damage repairs for your home and other insured structures, such as fences. READ MORE >>

It’s almost that time of year when children look forward to trick-or-treating, dressing up in costumes, decorating and obtaining more candy than they can possibly eat. As fun as it is, Halloween is also a deceptively dangerous night, and preparations for a safe and enjoyable celebration should begin long before Halloween night. READ MORE >>

October- January are the most common months for deer hits in New York.  These are the most common questions from readers about deer-vehicle collisions and their car insurance policies. I hit a deer. Am I covered? To be covered for a run-in with a deer, you need to have comprehensive coverage as part of your car insurance policy. READ MORE >>

Getting the right insurance policy can be daunting. But we are here to help! Insurance has its own vocabulary. Some words and phrases may be unfamiliar even to those who have long owned insurance coverage.  If you ever review your insurance policy from the carrier and have a question, give us a call and let us help explain it to you. READ MORE >>

You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be time for you to pull your policy out of your files and review where it stands. READ MORE >>

Comprehensive (often referred to as "other than collision") coverage is one type of protection available on an auto insurance policy (others being collision, uninsured motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than collision, including: Fire Theft READ MORE >>

Do you have a young adult heading off to college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. READ MORE >>

Insurance Myth: Older cars are cheaper to insure- FALSE! Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle, garaging location, and its annual mileage.   READ MORE >>

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