Most of us recognize having a life insurance policy is a responsible move, especially if we have loved ones who rely on us financially. We know that life insurance is a proactive measure to protect the people we care about when we’re gone, and it can give us peace of mind while we’re living. We […]
What’s the Difference Between an Insurance Company and an Insurance Agency?
We often hear terms like “company”, “agency”, “broker”, and “carrier” used seemingly interchangeably when talking about insurance. But, there are some significant differences between an insurance agency, sometimes called an insurance broker, and an insurance company, also known as an insurance carrier. We’re here to help explain how an insurance agency differs from an insurance […]
A Moving Out-of-State Auto Insurance Guide
Are you planning to relocate out-of-state in the near future? Do you know what actions to take to make sure your vehicle is properly insured in your soon-to-be new home state? If this is a new process for you, or if you’re old-hat at moving but would like a refresher, we’ve got you covered. O’Brien […]
Why You Should Have an Umbrella Policy
If you or a family member were sued, would your personal insurance coverage – such as your homeowners, automobile, or boating insurance policies – provide you with adequate protection? Unless you can confidently answer “yes”, it’s time to look into umbrella policy options. Umbrella policies provide financial protection beyond what’s covered by your existing policies, […]
3 Causes of Auto Insurance Rate Increases and What You Can Do About Them
When it comes time to renew car insurance policies, it’s not uncommon to learn your premium will be higher than it was during the previous coverage period. It can be understandably frustrating when auto insurance rates rise seemingly without justification. Rates are subject to change at the insurance companies’ discretion, and each insurer has its […]
Is Your Summer Covered?
Summer has finally arrived in the greater Glens Falls region! School is out and July 4th celebrations are right around the corner. Vacations, barbeques, camping trips, long days spent on the lake, or afternoons poolside- it’s the time of year when we jump at any chance to spend time with family and friends while enjoying […]
Common Insurance Misconceptions
While it may not be a topic on our minds every day, most of us know a few things about insurance policies – or at least we think we do. Take a look at some of the most common insurance-related misconceptions held by the average consumer to test your insurance knowledge: If my friend borrows […]
Actual Cash Value vs Replacement Cost: What do they mean for you?
Much of the terminology used when discussing insurance coverage may seem unclear to the average consumer. Recognizing the significance of the concepts behind these unfamiliar words is key to getting the value you need from your policy. Defining the difference between Actual Cash Value and Replacement Cost can be a common area of confusion. More […]
Does My Roommate Need Renters Insurance Too? Insurance Tips for Apartment Sharing
Despite the unseasonably gloomy weather we’ve had in the Glens Falls and Queensbury area lately, summer is right around the corner. Graduation and wedding season are close to kicking off and college students will be heading home for summer break. All of that combined with the advantages of moving in nice weather tends to make […]
SAQs (Should Ask Questions) for Insurance Seekers
Whether shopping for coverage for ourselves, our homes, cars, apartments, or businesses, selecting insurance is something almost all of us have to do at some point in our adult lives. Often, it’s a process we try to rush through, just another box we need to check off before moving on to something more interesting. But, […]