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The Extended Replacement Cost Endorsement on a home insurance policy gives the homeowner an added “cushion” of protection if your home becomes a total loss due to a covered peril, such as a fire. In the event of a total loss, your insurance company will pay to have your home rebuilt up to the limit […]

You’d be surprised at how many times we get asked how much our auto insurance costs at our NY insurance agency. Although it actually makes sense as many people view car insurance as a commodity. A commodity in the sense that car policies are the same at every NY insurance company, only the price is […]

You have most likely experienced the multitude of ads coming from the big national insurance companies. It’s been an effective branding strategy for these companies and tends to build a trust factor and one that infers if you do business with them, you’ll get the best insurance options for you. In fact, many of these […]

A car insurance policy is not a tangible item that has beauty or holds intrinsic value. In fact, a lot of people often view it as a commodity where an auto policy at Insurer ABC is the Identical to Insurer X, Y, or Z. Unfortunately, this is not the case as it pertains to car […]

No, this is not a Dad Joke!  As principal agent for our Albany NY insurance agency, I often relate things to insurance that most people would not think to, thank God. Since I was a teenager, I’ve always worn a gold chain with cross and over the years it’s become like a security blanket for […]

Just a few days ago, the Northeast was slammed with a freezing ice, sleet, and snow storm that hit it’s stride during a workday morning and lasting throughout the day. Most schools were closed and people were advised to not drive unless absolutely necessary. It is very hard for the snow plow crews to keep […]

You know, it takes a lot to maintain a successful insurance agency and at the top of our gratefulness list are our clients. Without the long lasting relationships and support received from our customers, we would cease to exist. We’d like to think that we also give to our clients by providing the best possible […]

When it comes to your car insurance coverage in Clifton Park NY or anywhere in the Capital Region for that matter, it’s certainly preferrable to know you’re properly covered before an accident occurs, not after. Many people have a sense of security about the coverage and protection their current policy affords, simple because they took […]

Car insurance prices continue to rise in Albany NY as well as the rest of the state in 2021. The major contributing factors to bloating premiums are attributed to a continued increase in the rate and severity of accidents, costlier bodily injury liability claims, fraud, increased medical costs, rising costs to repair vehicles, and natural […]

A home remodeling project is something most homeowners will tackle at some point. Regardless of the magnitude of the upgrade, you can minimize your risk of financial loss by making sure the right insurance is in place before and after the work takes place. It’s easy to hope nothing is going to happen, but an […]