Prevent Holiday Theft

 December 2, 2014

presentpadlockIn the midst of the festive and hectic holiday atmosphere, it is easy to forget to practice safety.  Here’s a few tips to keep in mind during the Holiday season so you don’t become a victim of theft.

At Home -

  • Beware of strangers at your door: criminals can pose as couriers delivering gifts or be soliciting donations for fake charitable causes.
  • Lock all doors and windows even when leaving the home for a short period of time.

While Out Shopping-

  • Use ATMs in well-populated, well-lighted locations. Do not throw ATM receipts away at the ATM location.
  • Use only one credit card – it’s easier to cancel one rather than several if your wallet is stolen.

Your Car -

  • Lock all doors and roll up all windows even when leaving the car for a short time.
  • Bring gifts inside with you overnight rather than leaving them in your car.

Tips For Black Friday Shopping…

 November 24, 2014



We all know that Black Friday is the biggest shopping day of the year – from those looking for the best deals to those simply eager to find the perfect gift and complete their lists.  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.

Either way, shop local and have fun. If you’re not having fun, you’re not doing Black Friday right.


Online Shopping Tips…

 November 12, 2014

Xmas time


    • Shop only on secure sites with “https” in the URL.


    • Use a credit card.  Debit cards issue cash, and when it’s gone, it’s hard to get back.


    • Leave suspicious websites immediately!  Don’t click on anything or download software.


    Add Identity Theft coverage to your policy.  

    Contact your Agent for more details.

Fall Back…

 October 31, 2014

Daylight Savings Time Ends Sunday Fall Back

When you change your clocks Saturday night, it’s also a good time to change the batteries in your smoke and carbon monoxide detectors.

According to the national statistics, 75% of fire deaths in residences occur in homes that either do not have smoke alarms or do not have working smoke alarms.

A working smoke alarm greatly increases your chance of surviving a house fire. It is an inexpensive “insurance” to safeguard you and your family in the event your home catches on fire.

Busy Months Ahead…

 October 23, 2014

As the temperatures start to change and the days shorten, it’s a reminder that the warm summer days are behind us.  It’s also a reminder that there’s a lot to think about in the next few months.



We have weather changing, which means we need to prepare our property for winter.  Be pro-active in the maintenance of your property.





We have Holidays coming, which means we need to make our property safe for guests.  This includes “trick-o-treaters”, Thanksgiving and Christmas guests as well.






Then, we have Holiday shopping, which means we need to protect ourselves from ID Theft!   With Black Friday the biggest shopping day of the year and Cyber Monday as the biggest internet shopping day, you can never be too cautious.


Please review your policy with your agent.  Finger Lakes offers enhancement endorsements to provide you with the best coverage for your needs.  Now is the time to make sure you are properly covered, not after the fact.

Fire Prevention Week, October 5-11

 October 2, 2014

smoke-alarmsDid you know that many people don’t test their smoke alarms as often as they should?

When there is a fire, smoke spreads fast.  You need working smoke alarms to give you time to get out.  Test yours every month!

Five minutes. That’s all it takes and isn’t it worth it if it could save your life or the lives of those you love?

♦ Working Smoke Alarms Save Lives:  Test Yours Every Month! ♦

Time To Winterize!

 September 25, 2014

As the first leaves hit the ground and those fall breezes turn from cool to cold, it’s time to prepare for whatever Old Man Winter has in store.

  • Prepare an emergency kit.  Include first aid supplies, flashlights, extra batteries, nonperishable food, and bottled water.
  • Caulk cracks and replace dried-out or missing weather-stripping and seals.
  • Service your snow blower.  Have snow shovels and bags of sand/ice melt handy.
  • Trim dead tree limbs or branches that are hanging close to the house or electrical wires that could cause damage when weighted by ice.
  • Inspect and clean gutters and downspouts.
  • Inspect the roof.  Repair or replace flashing, roof shingles or tiles.
  • Reverse ceiling fans so the direction of air flow forces the warm air at ceiling height back down along the walls.
  • Insulate exposed pipes, and drain and close off A/C pipes or exterior hose spigots.
  • Service your furnace, clean the ducts, stock up on filters, and inspect or replace the thermostat.  Fireplace – chop firewood and inspect the damper and chimney.
  • Stock up on hot chocolate!  :) 

….and most important, don’t forget that this is a great time to review your coverage with your agent.  Pull out your policy and give them a call to make sure you are adequately covered.       

                         rof Gutters1                               Caulking window

Hiring A Contractor?

 September 15, 2014

Cont Liab

Anytime you hire a contractor to work on your home or property, please take time to verify that they and any subcontractors are insured, as well as licensed and bonded.

While it’s a good idea to ask for a contractor’s certificates of insurance, go one step further and contact the insurance company directly, as some certificates can be fake or altered.  It is also recommended that contractors carry at least $1 million in coverage.

After your remodel, don’t forget to contact your local agent to ensure that your policy is updated to include the new improvements.




You Get What You Pay For…

 September 5, 2014

Ins Shopping

Although it’s one of the key factors, price should not be the only factor when searching for insurance.  There are other things you should consider.

Coverage – Whether personal or business, is the policy tailored to you?  Do you need coverage for that engagement ring?  Are your contractor’s tool insured to value?  Is your farm equipment covered?

Claim Service – If you suffered a claim, how was it handled?  Did you receive prompt contact from the claims department?  Was the adjuster fair and understanding?

Your Agent – Does your agent know YOU and what you need?  Is the Agent’s support staff experienced and knowledgeable?

Company Stability – What is the company’s AM Best rating?  A good rating proves sound financial decisions so claims can be paid out.

Sometimes the security knowing that you are fully protected, as well as receiving superior customer service, may be worth an additional cost.  Finger Lakes has knowledgeable Independent Agents to make sure you have the coverage you need.

Our Claims Department is always ready to assist in a timely and expeditious manner.  No discount in the world will make up for slow claims processing.

Finger Lakes A.M. Best Rating is “A”.   – Definition = “Excellent”

Locate an Agent in your own community for a quote!