Many people think of March and April as the time of year for Spring Cleaning. The snow and ice begin to melt away and we start to think about spending more time outdoors. We look at things that we need to to outside in our yards for annual maintenance, and we begin to prepare for tax season – where we look at our financial documents for the year and assess our financial ‘health’. It’s also a great time of year to conduct an annual review of your insurance policies.
Our lives change on an ongoing basis, so it’s important that your insurance coverage changes as well. How long has it been since you last assessed your policies? Our team at Bieritz Insurance wants to make sure you are not overpaying for your policies and we also want to make sure you are not under-insured. When you conduct a review of your insurance, you might find out that there are increases, deductions or discounts.
Things that can impact your rates are things like a new baby in your household, additions or improvements that you have made to your home, property that you may have inherited, recreational vehicles that you have purchased or sold, a college student who is renting an apartment, or maybe you have reached retirement age. There are other things as well: new drivers in your household, real estate market changes, landscaping changes, etc.
Typically, we understand that our assets change over time. What we don’t usually think about is that the value of those assets change as well. If your home has appreciated in value, you need to make sure that your insurance coverage allows for this increase in value in case of catastrophic loss. If you purchased your home at $250,000 ten years ago, and the value has since appreciated to $300,000, you want to make sure that your insurance policy will cover you for a $300,000 loss in case of a catastrophic event. In other words, if your coverage hasn’t been updated since you purchased your home, your insurance value might not cover full replacement if your home value has increased. In this instance, a review of your policy might increase your policy payments, but you are assured of having the coverage that is right for you.
There are other instances where your policy payments might decrease. Maybe you installed a home security system or an emergency battery backup for your sump pump or perhaps you have hit an age milestone that would qualify you or members of your family for additional discounts on your auto insurance policies.
A look through your policies on an annual basis can help you find these things and can ultimately save you money on your policy premiums. Whether you are a current client or maybe just looking for some cost comparisons as part of your process, you can contact us in Cooperstown at 607-547-2951 or in Morris at 607-263-5170 to schedule an appointment for a review! In most cases, we can save you money. We work with over 20 companies so that we can find exactly the right products to fit your needs at the right price for your budget.
Having a new driver in your family can be a nerve-wracking experience. As a parent, your mind somehow jumps to all of the things that can possibly go wrong, and how your newly-permitted driver is yet unequipped to handle different situations in a car. Teaching your teen to drive takes patience and the ability to be objective – you need to provide guidance instead of criticism. We hope the following five tips will help you as you wind your way through these sometimes stressful moments!
Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically. (
Every old house homeowner knows there are time of the year when they find some unexpected house guests. When the weather warms in the spring and summer months, the small trails of ants might appear in your kitchen, and in the fall months, as the weather cools, there are sometimes little creepers that find their way into your pantry.
Most of the summer months are dedicated to storm season. In between the days that are perfect for the beach, with blue and yellow skies, are days full of heavy rain, winds, and flooding, with the occasional–for Upstate New York–hailstorm, tornado, and hurricane. These weather conditions, in combination with increased vacationing travel, road work, and presence of motorcycles and bikes on the roads, contribute to a higher average of fatal accidents taking place in the summer rather than the winter. At times like these, we find ourselves wanting to know how we can maximize driving safety. Below, you will find a list of summertime storm hazards, and ways you can alter your driving to better ensure safety in each of them.
One of the small joys of the summer season for adults and children alike is being able to go swimming. Cooling off in the water offers relief from the heat and humidity. If you are looking for the convenience and benefits of having your own backyard pool, don’t forget to consider the added cost of insurance into your expenses.
Unfortunately, leaving home for long periods of time is a risk – there are some who may be looking out for a temporarily empty nest to encroach upon, or a technical time-bomb could erupt. Both could leave you disadvantaged in various ways, depending on your homeowners policy, and both could also reverse the intended effects of vacationing.
We understand that, with summer right around the corner and water temperatures sure to be rising, you want to get back out on that water fast. While the draws of Glimmerglass and other bodies of water are many, your safety is nothing to be hasty about, and so here we provide 5 things to consider when buying boat insurance.
Spring is here and with the season’s change comes the rain. It seems that we have had a good deal of precipitation just over the last two weeks in our region – and if you are looking at our local rivers and streams, we are noticing that the water is running fast and high. Floods happen everywhere – they are not relegated to specific regions like tornadoes or hurricanes. Our area has certainly had more than a few years over this last decade where flooding has been severe. For safety, please keep an ear out for warnings and follow the safety suggestions below!

Knowing when and when not to file an insurance claim is one of the tricks of the trade for someone trying to manage the costs of damage to one’s property or house. Every insurance agency has different regulations for what makes a valid claim, as well as for what policy modifications are necessary after a claim has been made. Often, insurance rates are raised. Based on the circumstances of the claim and of a homeowner’s claim history, policies can even be cancelled and a client can earn a reputation in the field that makes other providers refuse them or offer unaffordable policies. Therefore, it is helpful to know generally when and when NOT to file a claim for property damage.
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The Fall Season has officially arrived in our area with the first frost (last night) and the cooler temperatures means that it’s time to start using our fireplaces and wood-burning stoves to help warm a room or to take a bit of the chill out of the air. Before you begin to use these, however, it is recommended to inspect and clean them to make sure they are safe to operate. According to the National Fire Protection Association, this should be done at least once a year, usually in the fall months.
In addition to annual maintenance, we encourage our families, friends, and clients to always use safe fireplace practices:
Just because you have an older home doesn’t mean you can’t make it into a smart home. Many new home constructions are integrating smart home technologies into design, but even if you have an older home, there are systems you can implement in your home to manage systems that address security, locks, lighting, and heating/cooling. Making your home a “smart home” can help save energy, time and expense and you might be surprised to find that installing some of these smart features can be affordable and can be done yourself!