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?

New York Health Benefit Exchange Explained

The New York Health Benefit Exchange is here! Starting Oct 1st the enrollment is open for coverage’s starting Jan 1st, 2014. The New York Health Benefit Exchange has 2 parts to it – 1 for group coverage and 1 for Continue reading New York Health Benefit Exchange Explained

Explain the difference between Insurance Agent and Insurance Broker.

Insurance agents are typically an agent for a particular insurance company. If you imagine a Geico representative, who sells insurance through their own agents, who work directly for that company. Or a State Farm office, who also sells through their Continue reading Explain the difference between Insurance Agent and Insurance Broker.

What is considered an “Act of God” on my New York Landlord Insurance policy?

What is considered an “Act of God” on my New York Landlord Insurance policy? We recently had a client of ours call to say his neighbors tree fell on his fence, car & garage and how does he put a Continue reading What is considered an “Act of God” on my New York Landlord Insurance policy?

Why I hate Progressive Insurance commercials.

Why I hate Progressive Insurance commercials. First, let me say that I sell Progressive insurance as an independent broker, as they sell direct to the consumer and through independent brokers. I don’t like this either but use them sparingly, usually Continue reading Why I hate Progressive Insurance commercials.

Who can drive my car with my auto insurance?

Who can drive my car with my auto insurance? Recently, a client of ours let his daughter use the car for shopping. He was unaware that her newly licensed friend was going to have a turn at driving. Well as Continue reading Who can drive my car with my auto insurance?

Life Insurance Explained in Easy Terms

If you already have some form of life insurance, you may think you’re adequately covered. But have you checked lately to see if it’s the right kind and whether it’s enough? One thing to consider when looking at life insurance Continue reading Life Insurance Explained in Easy Terms