Cyber Monday…

 November 30, 2015

Onlinecyber shoppers can find great deals on Cyber Monday, but it is also an opportunity for criminals to steal your money or identity.

Avoid fraudulent Sites.  Always look for an “S” in the URL because a website with a URL that starts with “https” indicates a safe and secure site.

Never enter personal information as part of the buying process.  (social security number, date of birth)

Read retailers reviews before ordering.

Avoid using your debit card for online purchases.  Use a credit card, because charges can be disputed if you have been the victim of fraud or identity theft.

Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.

Black Friday Shopping Tips…

 November 24, 2015

black-fridayBlack Friday.  Cyber Monday.  Holiday deals are right around the corner for consumers with a penchant for shopping online with an easy click or swipe.  Here’s a few tips for you to keep in mind.

  • Carry a small purse/bag closely against your body to avoid losing it or having anything stolen.
  • Lock packages in your trunk. Don’t leave packages visible through your car windows.
  • Consider alternate options to pay, such as onetime or multi use disposable credit cards.

… Or for some alternative ways to spend your Black Friday, you can give back by volunteering, eating turkey leftovers, and getting an early start on Christmas movies.  Most of the discounts will still be there when you’re ready to hit the stores.

Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft.  Contact your Agent for further details..


Daylight Savings Ends Nov 1st…

 October 27, 2015

Fall Back

Love it or hate it, this weekend is when we steal an hour of daylight from the evenings and add it to the mornings.

When Turning Clocks Back After Daylight Saving Time, Replace Batteries in Smoke and Carbon Monoxide Alarms.

A properly installed and maintained sFall Backmoke alarm is the only thing in your home that can alert you and your family to a fire 24 hours a day, seven days a week.

A working smoke alarm significantly increases your chances of surviving a deadly home fire.

Smoke and CO alarms can save lives, but only if you have working alarms.

Remember, almost every day a smoke alarm saves somebody’s life!

Winter Preparation…

 October 22, 2015


The Winter Blues, the January Blahs, whatever you choose to call it, many of us are less than enthused about this particular season.  With winter on the horizon, it’s time to start preparing your home for the season ahead.

Start preparing your home for the winter months now!

  • Caulk and weather strip doors and windows;
  • Clear rain gutters and repair any roof leaks;
  • Have the heating equipment and/or chimney cleaned and inspected;
  • Drain exterior pipes/faucets used for garden hoses;
  • Trim tree branches away from the home that could fall during heavy snow or high winds.


National Fire Prevention Week October 4-10, 2015

 October 6, 2015

When it comes to smoke alarms, it’s about “location, location, location”.


The key message of this year’s Fire Prevention Week campaign, is to install smoke alarms in every bedroom, outside each separate sleeping area, and on every level of your home, including the basement. Larger homes may need more alarms.

Smoke alarms save lives. If there is a fire in your home, smoke spreads fast and you need smoke alarms to give you time to get out. In fact, having a working smoke alarm cuts the chances of dying in a reported fire in half!

Make sure your smoke alarms are working properly.

Did You Know….

 September 17, 2015

smoke alarm

Roughly half of home fire deaths result from fires reported between 11 p.m. and 7 a.m., when most people are asleep?

Smoke alarms save lives. If there is a fire in your home, smoke spreads fast and you need smoke alarms to give you time to get out. In fact, having a working smoke alarm cuts the chances of dying in a reported fire in half!

Almost two-thirds of home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms.

Keep your family safe with a working smoke alarm in every bedroom.


Labor Day Safety…

 September 4, 2015


Summer will soon be fading into fall, and Labor Day weekend is the time of the year we try to have that last big fling.  Labor Day weekend is a time to celebrate the end of summer with backyard barbecues, beach trips and family gatherings.

People should follow these safety tips:

  • Only grill outside in a well-ventilated area.
  • Always swim with a buddy in a designated swimming area supervised by a lifeguard.
  • Don’t drink and drive. The life you save may be your own!

Have a Safe and Enjoyable Labor Day Weekend!


Kids Off To College?…

 August 18, 2015

collegeboundYou are getting ready to kick off your kid’s college career.

A decade ago, students heading to college may have just shown up with an old TV, a couch they found on the side of a road and a suitcase.  Today, you send them off with a new laptop and some other expensive high-tech gadgets.  With open doors and the occasional party, it’s no surprise that items tend to “walk away” from a dorm room easier than they would at home.

In general, protecting a student’s personal property boils down to a simple rule: If your child is living on campus and going to school full time, your homeowners or renters insurance policy (including liability protection) will cover their property.  This coverage is dependent on the student still calling mom and dad’s address their primary residence.

It’s always best to reach out to your Independent Agent to review coverages before sending them off.

Read Your Policy…

 August 10, 2015

Read PolicyInsurance policies are fun, right? Sure they are… Nobody likes reading it, but it IS important!

An insurance policy is a legal contract. Your responsibilities as a policy holder are included under the contract. You should also read the policy carefully so that you understand your coverages.

Even if you look at nothing else in your policy, read and understand the declarations page. It summarizes your policy, listing vital information including the names of the insured, the policy’s effective dates, amount of coverage, deductibles and endorsements coverage.

Review your policy with your agent annually.  Also remember to keep your policy documents in a safe and secure place.

You’re Not Covered For Building Up To Code…

 August 3, 2015

If a disaster covered by home insurance destroys your house, one big expense might catch you by unpleasant surprise — the cost of meeting new building codes.

Most standard home insurance policies don’t cover the expense of bringing the house up to current codes if the structure didn’t meet the latest regulations before disaster struck.

Finger Lakes offers coverage for Ordinance & Law.  When added to your Homeowner’s policy, we will adjust covered losses to the covered building in accordance with any ordinance or law which governs repair, restoration or demolition of the building. This means that the increased cost resulting from enforcement of codes, ordinance or law would be covered.  Do you have the proper coverage?  Contact your agent for more information.