Earthquakes have occurred in every US state, and about 90% of Americans live in areas considered seismically active. In fact, a 3.8 magnitude earthquake hit Buffalo, NY on February 6, 2023 and Rochester experienced a 2.6 magnitude earthquake in March 2020. These small earthquakes were centered several miles below Lake Ontario, less than 100 miles
If you’re like most people, there are certain items you own that you can’t imagine ever losing — possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them. If you haven’t checked your home insurance policy recently, here are five key things to know about insuring
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. This article includes tips to help you prevent or address what could easily become a very messy
If you are currently renting, there are many benefits to holding a rental insurance policy to protect yourself and your belongings. Here Are 10 key Reasons Why You Need Rental Insurance: Your landlord’s insurance does not cover your stuff. If there was a fire, the landlords coverage would repair the building itself but will not
Purchasing home insurance can be overwhelming. Whether you are a first-time home buyer or a longtime homeowner, we’ve included our top five best tips for buying home insurance to make it easier for you. Successfully compare insurance options, right-size your deductible, understand how discounts can reduce your insurance premium and more! Tips like these (and
If you are a homeowner, you know the value that you place on keeping your home safe, updated, and uniquely yours. That also means making sure your house is protected from everything that may come its way. As one of your biggest assets, it’s important to keep you – and your house – safeguarded from
Preparing your home for winter is an important annual ritual for homeowners. For instance, did you know that adding insulation in your attic before winter arrives can help prevent ice dams this winter? And do not forget that tuning up your heating system now can help prevent more costly emergency repairs at the height of a storm,
We’ve all heard stories surrounding an accident with an uninsured or underinsured motorist. A family is burdened with horrific medical bills because of an accident with a drunk driver who couldn’t afford insurance due to his bad driving record. A child walking to school faces a lifetime of difficulty after being struck by a texting
With the outside temperatures fluctuating and the inevitable snow melt, you should be concerned about excess water in your basement or the lower level of your home. Water damage/freezing is one of the most common homeowners insurance losses. So to keep your home safe, we recommend purchasing this optional water backup coverage (sump pump discharge/overflow
It’s that time of year. All of the students are packing up to head back to the dorms, and colleges are abuzz nationwide. But have you really thought about what going back to school means from an insurance perspective? Sending a child off to college is a time of great adjustment for you and your
