Resources
Insurance Resources for Mohawk Valley Residents
Plain-English explainers for the insurance questions we get most often. New articles are added as we work through the topics our clients ask about.
Independent vs. Captive Insurance Agent: What's the Difference?
Most people don't know there are two fundamentally different types of insurance agents. The difference can mean hundreds of dollars a year — and an advocate in your corner when a claim gets complicated.
Auto InsuranceNew York Minimum Auto Insurance Requirements — and Why They're Not Enough
New York requires $25,000/$50,000 bodily injury liability. Here's what those numbers mean, what they fail to cover, and what upstate NY drivers actually need.
Flood InsuranceDoes Flood Insurance Cover Basements? What Mohawk Valley Homeowners Need to Know
Flood insurance covers basements — but only for a specific, narrow list of items. Most homeowners don't learn about the exclusions until after a loss.
Home InsuranceHow to Read Your Homeowners Insurance Declarations Page
Your dec page is the one-page summary of your entire homeowners policy. Here's what Coverage A through F actually means, and what to check every year at renewal.
LiabilityUmbrella Insurance Explained: Who Needs It and How It Works
For about $150–$300 a year, an umbrella policy provides $1 million in additional liability protection above your home and auto policies. Here's who needs it and how it pays out.
Claims & DeductiblesUnderstanding Your Insurance Deductible
Flat vs. percentage deductibles, how they affect your premium, and why the number on your declarations page might not be one simple figure.
Claims & DeductiblesShould You File a Small Insurance Claim?
How to weigh a small claim against your deductible, your claims history, and the real cost of filing versus paying out of pocket.
Policy ReviewsAnnual Insurance Policy Review Checklist
A practical checklist for reviewing your home, auto, and umbrella coverage every year — before a gap turns into a claim problem.
More articles are added regularly. If there's a topic you'd like us to cover, let us know.
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