Category: Personal Insurance

Protect What Matters With Umbrella Insurance

In today’s economy, everyone is pinching pennies.  You’ve heard about umbrella insurance coverage, but is it worth investing in? What is Umbrella Insurance? Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result, it helps protect your assets and your future. It does

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Halloween Home Safety Tips

The annual apparition of spooky skeletons, broomstick-riding witches and carved pumpkins is a sure sign fall is well underway. Second only to Christmas in terms of how much consumers spend on decorations, Americans of all ages seem to love celebrating Halloween. The Halloween spirit has spread to the inside and outside of the home as

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Preparing for a Windstorm

Severe wind can cause power outages and loss of heat. Here are some tips on how to help handle an outage during a storm. Before the windstorm Set your refrigerator and freezer to coldest settings. Food will be preserved longer if power goes out. Check flashlights and portable radios to ensure they are working. Be

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Preventing Frozen Pipes This Winter

It’s hard to think of a worse start to a winter day in Western New York than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart tips to help you prevent or address what could easily

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Preventing Water Damage With New Technology

As your independent insurance agent, we are always looking for ways to do more for you. That’s why as new innovations in home protection become available – like the latest technology to help prevent water damage – we make sure you know about them. That way, you won’t have to worry about leaks or water

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5 Myths About Long Term Care Insurance

Long Term Care Insurance is designed to help pay for the care needed when you are unable to do everyday activities without assistance. In order to improve the quality of life for those chronic, long-term conditions, you must be prepared for whatever the future brings. This coverage can protect your assets, and help you enjoy

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Do You Need Earthquake Insurance?

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.  In fact, there were two very recent earthquakes in the Rochester, NY region alone! Experienced in May, these small earthquakes were centered several miles below Lake Ontario, less than 100 miles away.  Although there was no

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What You Should Know About Flood Insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Walsh Duffield, we want you to be educated about all of the risks you may face – before a loss occurs – so you can

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