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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 >>

Did you know... A personal umbrella covering one house and two vehicles often costs less than $225 in annual premium for $1 million in additional coverage. Did you know...  The frequency and cost of lawsuits has increased dramatically in the past decade.  The following are real life examples of lawsuits filed everyday: READ MORE >>

As independent agents, we write NYS disability with numerous carriers that are licensed in New York State.  Below is a helpful article from one of our carriers, Shelterpoint, that will help employers get ready for the Paid Family Leave Act effective January 1, 2018. READ MORE >>

As college graduates take the next step, one thing is often left out of the process – life insurance. Young adults often carry debt with them into the working world, whether from student loans, car loans or credit card debt. If you are a recent graduate, have you considered what could happen if you were no longer around to cover your loan payments? READ MORE >>

There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home? READ MORE >>

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