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Umbrella Liability Policies

Hurricane Season 06/01/16 – 11/30/2016
June 8, 2016

Hosting A Grad Party?...
June 2, 2016

It's Deck Season!
May 9, 2016

Protect Your Home While on Vacation.
April 18, 2016

Solar Panels... How Do They Affect Your Insurance?
March 29, 2016

6905 Route 227
P.O. Box 550
Trumansburg, New York 14886

607.387.9314 (fax)
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Sending Your Kid Off To College?
July 20, 2016

It’s July, and many parents all over the country are faced with the fact that, soon, their child will be heading off to college.

With laptops and printers being shipped off to school, it is more important than ever that students and their parents purchase the appropriate insurance protection.

The type of insurance you’ll need depends on whether your child will live in a dorm, or in off-campus housing, such as an apartment. 

  • For kids living in a dorm, personal belongings will be covered under their parents current homeowners or renters policy. 
  • Kids who live off-campus need a stand-alone renters policy independent of their parents, as will each roommate.

Check with your Independent Agent to make sure the personal property limit on your homeowner’s policy is adequate. You might need additional coverage to insure expensive items like jewelry, musical instruments, or certain sports equipment.

Categories: Enhanced Coverages,
Hot, Dry Conditions Mean Increased Fire Danger
July 5, 2016

The Finger Lakes region is in the midst of the third-driest June since records began being kept in the 1800s.  We know the lack of rain and higher temperatures can do damage to our lawns, but did you know that it can also spark mulch fires?   

Mulch comes in many forms, from pine needles and grass or hay, to wood chips and shavings, to recycled, shredded rubber.  All types of mulch are flammable.  All it usually takes is some type of heat source. It could be a carelessly discarded smoking material or a spark from a workman's tool or spontaneous combustion.  

When mulch naturally decomposes it creates heat that has nowhere to go.  The mulch will start to smolder and work its way down into the pile.  To prevent mulch fires, home and business owners should “turn” their mulch to release heat and keep it at least 18 inches away from a structure.  If you have a good water source, keeping the mulch wet, will also prevent smoldering.  Also, safely dispose of smoking material in a non-combustible container filled with water or sand.

Categories: Fire Prevention, Property Maintenance,
It's Pool Season
June 15, 2016


An entrapment occurs when a person, or an object attached to a person, is sucked onto a pool or spa drain and becomes stuck by the drain’s force.


Hair Entrapment

  • Hair can become entangled in an improperly covered drain.

Limb Entrapment

  • Arms or legs can get lodged and may not be able to be pulled free from an improperly covered drain, even if the pumps are turned off.

Body Entrapment

  • Any part of the body that covers a drain can be held down by the suction.


  • Sitting on a drain with suction or a broken or missing cover can cause injuries or disembowelment.

Mechanical Entrapment

  • Fingers, toes, as well as jewelry or a bathing suit can become entangled.

If a drain cover becomes loose or falls off, shut down the pool or spa immediately.  No one should enter the pool or spa area until its repaired by a licensed maintenance professional. Install an emergency pump shutoff system and anti-entrapment drain covers on your pool systems.  Pool and spa safety drain covers are an important safety step and are required by law.        

Categories: Home Tips, Property Maintenance, Safety,
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