Is Your College Student Ready?

 August 27, 2014

collegeThe time has come for students to move away for college.  This is a transition that the parents and students both need to adjust to.

As a parent your job is to make sure your child and their possessions are protected while they are away.

Your full time student is an insured even when away from home. Although your homeowner’s provides coverage for your student’s property, as well as give them liability coverage, there are limitations on certain property such as theft of jewelry, cash, etc…  Finger Lakes offers enhancement endorsements that will increase some of the limitations.  If you want more coverage for your student’s belongings, contact your local agent and review your current homeowner’s policy.

As a student, your job is to document.  Before leaving for school, take pictures and write down model & serial numbers of the more valuable property that you will be taking to school.   List dates and places of purchase as well as the purchase price.  Keep the list and pictures at home.  This will help you in the event of a property loss.

Mark all the property in a way to discourage anyone from taking it and to help identify you as the owner if stolen property is recovered.

Take measures to protect your property and make sure you have the insurance protection you need to get things back to normal as quickly as possible if you do suffer a loss.

Independent Agent Vs. ‘direct-writer’ Insurance Co.

 August 8, 2014

There are an acomparisonbundance of ‘direct writer’ insurance companies these days. These companies ‘cut out the middle-man’ by selling direct to the consumer, rather than through an agent.  The consumer thinks they are saving money by going direct, but the consumer takes on a level of risk that they may not realize.

Independent Agents Can Do Important Things For YOU!

  • They are your legal representative – YOUR agent.
  • They are YOUR advocate.
  • They are licensed by the state and it’s their responsibility to put YOUR interests first – over and beyond their own.
  • Agents understand insurance and can communicate it to you so YOU understand.

If you go ‘direct’, you are taking full responsibility for your coverage decisions.  Independent Agents offer certain services and protections that you will not get with a “direct-writer” insurance company.  Finger Lakes has over 140 Independent Agents that are right in YOUR community.  Contact an Agent today for a Finger Lakes quote!

Pool Safety

 July 18, 2014


According to media reports and data compiled from USA Swimming, since Memorial Day this year, 72 children younger than 15 have tragically drowned in a swimming pool or spa.

Simple Steps that families can take to prevent accidents around a pool or spa:

  • Fix broken pool gates and fences.
  • Use self-closing and self-latching gates;
  • Designate adults as “Water Watchers”
  • Sign kids up for swim lessons with a Certified Swimming Instructor.

If you are a pool owner, schedule an appointment with your Finger Lakes agent to review your Homeowners coverage.  Be certain your current liability coverage is adequate to protect you from allegations of negligence from anyone claiming injury from being in or around your pool and pool-related activities.

God Bless America And The Farmers That Feed Us!

 July 8, 2014


Finger Lakes offers a great Farmowner’s insurance policy. From the hobby farm to the 500 acre dairy farm, we can cover it! Have you called your agent today to inquire?

Independence Day!

 June 30, 2014

fireworks1The American traditions of parades, cookouts, and fireworks help us celebrate the summer season, especially our nation’s birthday on the Fourth of July.

However, fireworks can turn a joyful celebration into a painful memory when children and adults are injured or killed while using fireworks.

  • Fireworks cause 20,000 fires each year.
  • Fireworks cause 4 US deaths annually.
  • 400 Americans lose sight in one or both eyes due to fireworks.
  • Did you know that Sparklers burn as hot as 1,000 degrees?



Fireworks are explosives devices and are dangerous and can be unpredictable.  The few seconds of pleasure that firework displays bring are not worth the risk of permanent scarring, loss of vision and hearing, dismemberment or even death.

All consumer fireworks are banned in New York State.  Let the professionals handle them.


First Day Of Summer Is June 21st.

 June 20, 2014

Summsunflowerer is truly party time in America, but property owners should be aware of the risks associated with these get-togethers.


Common risks for which a homeowner might need insurance coverage:

  • Damages to a guest’s vehicle from a stray baseball or a young driver releasing the parking brake and rolls into another car.
  • A guest tumbles down the steps of an outdoor patio.  Keep sidewalks and pathways clear of debris and well lit.
  • A child gets burned from an outdoor grill.  Don’t leave a grill unattended.
  • A guest becomes impaired after consuming alcohol and then causes a car accident.  Use designated drivers.

Failing to take steps that might have prevented an incident are reasons that the property owner can be found liable.

When you have a gathering, consider safety precautions.  Keep your family and guests safe this summer!



Congratulations To The Class Of 2014!

 June 19, 2014

Sober1As graduation day approaches for hundreds of students we hope for everyone’s safety. Unfortunately, every year at graduation time kids drink and drive or text and drive. This decision has a great impact on a lot of people, including the victims, their families, EMS crews and others.

        **Absolutely no alcohol
        **Always use seat belts
        **No cell phone use (including texting) while driving

We ask that teens please be a role model this year and do the right thing!


Student Loan Fraud

 June 16, 2014

Yes, It’s on the Final

Time to start studying up on student loan fraud. This fairly new form of identity theft is on the rise, and it costs a pretty penny, according to a federal report: about $874 million, with the government losing about $187 million. With deadlines for federal student aid right around the corner, consider these two real stories:

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A Free Gift Awaits You…

 June 6, 2014


Add Identity Fraud coverage to your Homeowners, Mobile Homeowners or Farmowners and receive a FREE wallet that blocks RFID (Radio Frequency Identification) chips. Contact your agent for details. HURRY – LIMITED TIME OFFER.


May 18-24, Is National Dog Bite Prevention Week!

 May 22, 2014

Did you know that …

dog bite

  • 4.7 million people in this country are bitten by dogs every year.
  • Children are by far the most common victims; 400,000 receive medical attention every year.
  • 800,000 Americans receive medical attention for dog bites each year.
  • Most dog bites affecting young children occur during everyday activities and while interacting with familiar dogs.
  • Senior citizens are the second most common dog bite victims.
  • The Insurance Information Institute estimates that in 2013, insurers across the country paid over $483 million in dog bite claims.