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Emerling Agency, LLC Blog

View the latest blog posts from Emerling Agency, LLC.

The luck of the Irish is not enough to protect you against a possible encounter with an impaired driver during St. Patrick's Day. Alcohol-related crashes continue to be the main factor for deaths during this holiday. In 2000 there were 151 fatal car accidents on St. Patrick's Day, half of which were alcohol-related. READ MORE >>

You probably need life insurance. Lots of people do. If you have small children, a mortgage, a spouse who’s dependent on your income—or any person who would be inconvenienced financially if you were hit by a bus tomorrow, you probably should have life insurance. READ MORE >>

There are seven general types of home insurance policies under the industry standard Homeowners 2000 Program, ranging from HO-1 to HO-8 (there is no HO-7) as of 2014. Perils covered under HO-1 policies are very narrow, and they are not sold in all states. READ MORE >>

You probably don't think about it until happens. How many assets do you own that are high-value items either in terms of monetary or sentimental value? Your homeowner's insurance doesn't cover everything you own and the items it does cover are only partially insured if they're high-priced items. READ MORE >>

If you and the guy who wants to steal your television sat down to shoot the breeze, what would you ask him? The chance to pick a burglar’s brain could certainly give you some ideas for home security upgrades, but it’s not a very common opportunity. So, we created some fictional burglar monologues (based on real research). READ MORE >>

A friendly reminder: Hiding a spare key underneath your welcome mat is not sneaky. It’s obvious. So, try one of these smarter key-hiding tactics! The Brick Trick. We’re all for a well-maintained brick walkway, but one small chink in the mortar can be good news! READ MORE >>

The clock is counting down to kick-off time for this year’s Super Bowl 50, and you’re in the midst of party planning. But have you added reviewing your insurance coverage to the checklist? Most people probably haven’t, even though there are some risks to be aware of — and... READ MORE >>

You probably wouldn't hold onto the same cell phone for 20 years, right? Home items like your thermostat are no different! While your entire house doesn’t need to be on the cutting edge, these four items are worth upgrading: Homeowners Insurance. If there’s a flood, are you covered? READ MORE >>

Our office will be closed Friday, February 5th for our big move.   We will reopen Monday morning, 8:30am, at our new location: 9092 Main Street Clarence, NY 14031 You can contact your insurance company directly 24/7 after office hours and we will follow up with you once we are notified. READ MORE >>

What makes something worthwhile? When it comes to your home, it’s all about long-term benefits. These four actions will save you tons of time and money down the road! Plant Trees. If you have a yard that can handle it, planting a few trees on your property will go a long way. READ MORE >>

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