Homeowner’s in Clarence – are you covered for Sewer & Water Back-Up?

In an upscale suburb of Buffalo, NY sits the Town of Clarence and it’s neighbor Clarence Center. This is the home of many affluent businessman, a NY State Congressman and most of the Buffalo Sabres players and coaches. These type Continue reading Homeowner’s in Clarence – are you covered for Sewer & Water Back-Up?

Installing a pool this summer?

Installing a pool this summer? Pool’s are great, fun, cooling and awesome. But they also come with dangers – people getting hurt around them. One thing homeowner’s need to understand is the risk they face and how to protect it.Homeowners should Continue reading Installing a pool this summer?

Personal Umbrella Insurance Explained.

Personal Umbrella Insurance Explained. So many consumers (and some of our clients), make the mis-conception that a personal umbrella policy replaces all other insurance policies. Somehow, the thinking goes that EVERYTHING is now covered by this 1 policy. Noting could Continue reading Personal Umbrella Insurance Explained.

What does good customer service mean to you?

What does good customer service mean to you? I know what it does NOT mean to me! Don’t talk over my questions. Don’t start repeating what I have said before I am through talking. Don’t hand me the wrong order. Continue reading What does good customer service mean to you?

Contractors working on your New York Property – Home Owner Beware!

Contractors working on your New York Property – Home Owner Beware! In some states (Oregon, for example) the state requires all contractors to be licensed AND insured. In New York State, there is no such requirement, so I could buy Continue reading Contractors working on your New York Property – Home Owner Beware!

Smart phones, an ideal way to inventory your house for homeowners insurance!

Smart phones, an ideal way to inventory your house for homeowners insurance! Unsuspecting homeowner’s usually find out when it is too late, that their proof of loss on a homeowner claim is up to them. They must show the receipts Continue reading Smart phones, an ideal way to inventory your house for homeowners insurance!

Jewelry isn’t insured properly if not listed on your homeowner policy!

Jewelry isn’t insured properly if not listed on your homeowner policy! Was your Valentine’s day is filled with love, candy, flowers, a nice dinner…..maybe jewelry???  Just remember whether it was gift at Christmas, Your Birthday or last week – Valentine’s Continue reading Jewelry isn’t insured properly if not listed on your homeowner policy!

Things in your garage aren’t covered by homeowners insurance!

Things in your garage aren’t covered by homeowners insurance. Let me explain – your boat that is now stored inside of your garage, still need it’s own boat insurance policy even during the winter. If that garage starts on fire Continue reading Things in your garage aren’t covered by homeowners insurance!

Super Storm Sandy and Property Insurance.

Super Storm Sandycould affect property owners in 3 different ways. One would be wind damage – either direct damage to a home or a damage as the result of falling trees or limbs. In New York State, wind is a Continue reading Super Storm Sandy and Property Insurance.

Squirrels, Vermin and Your Homeowners Insurance

Squirrels, Vermin and Your Homeowners Insurance My next door neighbor feeds squirrels on a daily basis. I personally do NOT like squirrels and hate that they climb on my fence between our homes. Luckily, my dog (Major Mo) keeps them Continue reading Squirrels, Vermin and Your Homeowners Insurance