1. Frozen pipes, or rather pipes that WERE frozen but have since thawed. Why it happens: When a pipe freezes the water that’s inside it expands which can compromise the structural integrity of that pipe. Once the pipe has been compromised and the ice finally melts that pipe can leak water slowly or fully burst. […]

Most New Yorkers today have a high deductible health plan (HDHP) where we must pay some, if not all, of the deductible costs out of pocket before the insurance company pays anything, yet we aren’t shopping for the best price for those services. We shop for the best prices for the car we want, the […]

With Black Friday coming up this week we feel it’s important to make sure that you think about your holiday shopping BEFORE you get out there and start buying! Below we’ve listed some statistics that we got from an article published on Nov. 6th 2019 by Score.org about shopping local: 1. For every $1 you […]

There are a few things you should keep in mind to make sure that you’re utilizing your HSA as efficiently as possible. Everybody uses their health savings account (HSA) a little differently, and that’s OK. In fact, flexibility is one of the many advantages of an HSA. However, there are a few things you should […]

A Health Savings Account, or HSA, is way to save for medical expenses and reduce your taxable income. Qualifying for an HSA If you are enrolled in a high-deductible health insurance plan (HDHP) as defined by the government. These plans are re-defined each year by the IRS, which determines the minimum deductible they must have […]

Vaccines Prevent Illness Approximately 90 percent of all children in the United States are vaccinated for common ailments, which makes going to a day care facility and school safer for all children, when their risk of passing illnesses to one another is high. Did You Know? Some of the most fatal childhood diseases, such as […]

With Halloween right around the corner this week we’re talking about tips for a FUN & SAFE Halloween! 1. Always remember to look both ways before you cross the street, and use a crosswalk if you can! It’s important to go to houses on both sides of the street, that way you get the most […]

1. We just got married and have no kids, why do we need life insurance? Besides we both owe thousands of dollars in college loans, all of our money has to go to those right now! 2. Life insurance? We just bought our first house and need all of our money to pay the mortgage […]

Buying a new car can be a fun but sometimes confusing experience and even experienced car buyers may at time still wonder exactly what to do in terms of their insurance and buying a car. To add a car to or replace a car on an existing policy: 1. Once you’ve decided on the car […]

Defensive Driving: Taking a defensive driving course, either in person or online, offers discounts on the collision, liability and personal injury pieces of your premium and it retains the discount for 3 years from the date the course is taken! A Paperless Discount: Many insurance companies offer a discount if you switch from paper bills […]