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Umbrella Liability Policies

Property Preparedness
September 14, 2018

Air Conditioning Systems
June 15, 2018

ID Theft
June 12, 2018

5 Ways To Spring Clean Your Identity…
March 26, 2018

Winter Safety Tips
January 23, 2018

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

607.387.9314 (fax)
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Homeowners Insurance - What’s Not Covered?
January 18, 2019

All homeowner’s insurance policies have exclusions and limits related to valuable contents.  If you have items such as valuable firearms, jewelry or silverware of collectable value, you should make a point to have valuations done and discuss your options with your Independent insurance agent.

Don’t just skim over your insurance policy and assume what’s written in the policy. That can be a recipe for the very worst sort of surprise.  Take the time to get all your questions answered thoroughly before you purchase your homeowners’ insurance.

Categories: Enhanced Coverages, Products,
NYS Law Requires Smoke Detector Upgrades
January 8, 2019

All smoke detectors sold in New York State after April 1, 2019 are required to be powered by a 10-year, sealed, non-removable battery, or hardwired to the home. 

Homeowners and landlords will soon need to swap out their smoke detectors for upgraded 10-year sealed models, thanks to a new New York State law going into effect this year.  Before selling or renting homes and apartments in the state, they need to be upgraded by the property owner.

The law sates that April 1, 2019 all new or replacement smoke detectors in New York State must be powered by a 10-year, sealed, non-removable battery or hardwired to the home and that Licensees should not distribute smoke detectors with removable batteries to clients or customers after April 1, 2019. 

Like all safety alarms, 10-year sealed smoke alarms should still be tested at least once each year using the button on the front of the unit to ensure they are working properly.

Don’t Let “Unexpected” Issues Surprise You!
October 25, 2018

When you see "small" things around your property, address them as soon as you can.

Do a “walk-through” of your property, inside and out! 

  • Inspect the attic or crawl space areas.
  • Look for wear on the seals around the windows and doors. 
  • How is the roof looking?  
  • Any visible cracks in the siding?
  • Clear the dryer exhaust vent of debris.
  • Check the refrigerator coils at least annually.
  • Test the smoke and carbon-monoxide detectors twice a year, replacing the batteries each time.
  • Have your HVAC system serviced annually.

When your home is your biggest investment, as it is for most Americans, maintaining it is a must.  Don't hesitate to get out the tools or call a professional if needed.  Keep on top of the small stuff, so you do not get any “unexpected” surprises.

Categories: Home Tips, Property Maintenance,
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