Your Airbnb Will Leave You Unprotected

Your Airbnb Will Leave You Unprotected We get it. Renting your home out to earn some extra dollars is tempting. But! Your homeowners policy will not likely cover home sharing. Before you become an Airbnb — or join a similar company — contact us to see if you are covered. Most likely you are not. Most insurance carriers consider renting your home as an Airbnb to be a business. This will not be covered by homeowners insurance. And if one of your guests falls down your stairs and is paralyzed? Well, you will be responsible. Yes, we are telling you this to scare you.
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Hiring an INSURED Contractor this Spring

Hiring an INSURED Contractor this Spring ‘Tis the season – Here come the contractors! If you really want to enjoy your renovation/addition/repair – and I mean TRULY enjoy it — make sure that your contractor has the right insurance coverages; doing so can save you a lot of headaches and – potentially — financial hardship. What kind of insurance should your contractor have? If your contractors have employees, they should have Workers’ Compensation insurance. This covers the cost of medical bills of any employees injured while working on a project and it covers their lost wages should they have to leave
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Ten Steps to Lower Your Auto Insurance Premiums

Ten Steps to Lower Your Auto Insurance Premiums We know you want to save money on your insurance. Who doesn’t? Here are ten steps you can take to lower your premium. Bundle your insuranceInsurance carriers tend to give great discounts when you bundle your auto insurance with other insurances, such as your homeowner’s insurance, renters insurance, motorcycle/RV/boat insurance, or even if you have insurance on multiple vehicles. It’s worth a conversation with us to see if we can bundle the policies with one carrier.  Reach out to us before you buy a vehicleLet us know what models you’re considering and
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Proposing on Valentine’s Day? Make Sure You Insure the Ring

Proposing on Valentine’s Day? Make Sure You Insure the Ring Ah, love. Think sweethearts! Romance! Insurance! Jewelry losses are among the most frequent of all homeowner’s content-related insurance claims. Taking these four steps will help you protect your ring: 1. Contact your insurance agency before you pick up your ring. Find out whether you will need additional insurance. Most homeowners and renters insurance policies include coverage for jewelry, but many policies limit the dollar amount on jewelry to $1,000 to $2,000. With the average engagement ring coming in at $4,758 in 2018 — according to EBates — that is not
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The Law Has Changed: Smoke Detector Installations

The Law Has Changed: Smoke Detector Installations This is not going to be our most riveting blog. Nothing about cool local events or winter driving tips. But! This is information that every homeowner, renter and landlord should have. So we will give you the important details in the short version and then a link which will give you more information. First, some disturbing numbers: On average, seven people die every day from home fires — mostly impacting children and the elderly — and 36 people suffer injuries every day as a result of home fires. More than $7 billion in
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7 New Year’s Eve Safety Tips

7 New Year’s Eve Safety Tips New Year’s Eve comes with a lot of expectations and pressure to have a wonderful and memorable night. This can involve drinking, big parties, going out and fireworks. Make sure you keep the following tips in mind while making plans for your celebrations. Don’t drink and drive! It has been said many times, but you can never say it enough. If you plan on going out for New Year’s Eve, designate a sober driver, take a cab, plan to sleep over at the host’s home, or arrange for a sober driver to pick you
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Holiday Safety Tips

Holiday Safety Tips Protect your home during the holidays from fires, winter weather, and burglary. What can you do to be more prepared?  Don’t post your travel plans online. This may be hard during the holidays, but don’t post information about scheduling, when you are leaving, or when you will be back. This is prime information for burglars. Inform a trusting neighbor when you will be out of town and let them know of anyone who is expected at your home while you are away. Your neighbors can keep an eye out for any unexpected visitors. A friend, family member,
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Frying a Turkey This Thanksgiving? See These Safety Tips!

Frying a Turkey This Thanksgiving? See These Safety Tips! Deep frying turkeys has been a rising trend through the last decade, leading to a rise in injuries, home fires, deaths, and property damage due to deep-fryer fires. Remember these tips as you prepare to deep fry a turkey for this Thanksgiving! Never place a frozen turkey in the hot oil. Defrost your turkey fully and dry it before placing in the frying. Do not use a fryer in the rain or snow. Keep the fryer away from any combustible structures such as your home, a deck, or trees. At no
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Driving Hazards Brought on by Fall Weather Changes

Driving Hazards Brought on by Fall Weather Changes It’s that time! Changing weather and shorter days can affect your daily commute. Be prepared and stay alert this fall with these tips: Beware wet leaves! Precipitation increases as the weather cools down, bringing more rain and snow. This can lead to less grip for your tires, especially on wet leaves … and those wet leaves can be as slippery as ice. In wet conditions, be mindful of leaves on the road Make sure you have enough tread on your tires; driving with tires that are worn down can lead to hydroplaning,
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2019 NYS Labor Law Changes for Small Business Owners

2019 NYS Labor Law Changes for Small Business Owners As a business owner in New York State, there have been some recent changes to requirements and Labor Laws with which we must comply. As of October 09, 2019, all employers in NYS are required to adopt a sexual harassment prevention policy. Each employer that does not currently have a sexual harassment prevention policy in place is encouraged to adopt the NYS model policy. If an employer does have a prevention policy in force, they must ensure that their policy meets the minimum standards listed below: The policy must prohibit sexual
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