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Property Preparedness
September 14, 2018

Air Conditioning Systems
June 15, 2018

ID Theft
June 12, 2018

5 Ways To Spring Clean Your Identity…
March 26, 2018

Winter Safety Tips
January 23, 2018

6905 Route 227
P.O. Box 550
Trumansburg, New York 14886

607.387.9314 (fax)
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Articles: Products

Homeowners Insurance - What’s Not Covered?

January 18, 2019

All homeowner’s insurance policies have exclusions and limits related to valuable contents.  If you have items such as valuable firearms, jewelry or silverware of collectable value, you should make a point to have valuations done and discuss your options with your Independent insurance agent.

Don’t just skim over your insurance policy and assume what’s written in the policy. That can be a recipe for the very worst sort of surprise.  Take the time to get all your questions answered thoroughly before you purchase your homeowners’ insurance.

Categories: Enhanced Coverages, Products,

Ordinance & Law.....

October 13, 2017

What is Ordinance & Law Coverage? 

With building codes continually changing, Ordinance and Law Coverage, is an important endorsement that covers the additional costs to repair damage or replace a building in the event of a covered claim.  Older structures may need upgraded electrical; heating, HVAC; and plumbing units based on city codes.

After a severe property loss, the first shock comes in learning that rebuilding a damaged structure so that it conforms to the latest building codes can add 50% or more to your recovery costs.  Then comes the unpleasant surprise of learning that the required upgraded building code costs are specifically excluded. 

Standard property forms provide coverage for the indemnification of the actual physical structure and returning the building to the condition it was prior to the loss from a covered peril.  But, NOT the increased cost of rebuilding, repair or remodeling due to local, state and federal building codes.

Contact your Local Independent Agent to find out how you can get coverage.

Categories: Enhanced Coverages, Products,

Equifax Data Breach Protection Tips

September 29, 2017

Equifax, one of the three major consumer credit reporting agencies disclosed that hackers compromised Social Security and driver’s license numbers as well as names, birthdates, addresses and some credit cards on more than 143 million Americans. If you have a credit profile, you were probably affected.

Credit reporting companies collect and sell vast troves of consumer data from your buying habits to your credit worthiness, making this quite possibly the most destructive data security breach in history. By hacking Equifax, the criminals were able to get all of your personally identifying information in a one-stop shop. This is the third major cybersecurity breach at Equifax since 2015, demonstrating that they continue to place profits over consumer protection. Ultimately, their negligence will erode their margins, their credibility and their position as one of the big three.

But that isn’t your concern – your concern is protecting yourself and your family from the abuse of that stolen information that will happen over the next 3 years. (Source - Sileo)

Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.

Categories: Enhanced Coverages, ID Theft, Products, Scams,

Do College Students Need Renters Insurance?

July 31, 2017

Students who live on campus typically don't have to worry about renters insurance:  A student who lives in on-campus housing is covered under his or her parent’s renters or homeowners insurance.  Their parents' homeowner's policy should cover the loss or damage of most items.  College students renting an off-campus apartment, condo, or house should have their own renter’s insurance policy. They aren’t eligible to get coverage from mom and dad’s renters or homeowners policy.

Check with your Independent Agent to find out exactly whether your student can be covered and at what cost.  Make sure the personal property limit on your homeowner’s policy is adequate. You might need additional coverage to insure expensive items like jewelry, musical instruments, or certain sports equipment.

Categories: Products,


April 7, 2017


An underground power line providing electrical service to the home significantly deteriorated over time and resulted in arcing.  The underground power line had to be excavated and replaced due to extensive damage discovered during the repair work.

Property Damage:  $7,800 - YIKES!


This type of loss is excluded on a typical Homeowner’s policy.  BUT – with the Utility Line Coverage, the Homeowner has protection.  

Other Covered Perils with this form are:

• Wear and tear • Rust • Corrosion • Decay • Deterioration • Hidden or latent defects • Freeze • Collapse (except sinkhole collapse) • Electrical breakdown • Mechanical breakdown • Pressure system breakdown.

Contact your Agent today for more information.

Categories: Enhanced Coverages, Products,

The Promise....

November 10, 2016

Let’s face it, buying insurance is not one of the most fun things to do.  You spend money on it and when you leave your agent’s office, you’re most likely leaving with a folder full of papers, a magnet or a pen, and a PROMISE.  What just happened here?  Buying a promise feels a lot different from buying a new computer, huh?

No, buying insurance is not fun, but that promise is a meaningful purchase.  While it’s something you can’t see, touch or hold, if you ever need it you’ll be glad you have it.  And that’s why Finger Lakes and our great Independent Agents do what we do – provide you with insurance knowledge and a PROMISE!

For more information about Finger Lakes Fire & Casualty Company’s quality and affordable products, or for an insurance quote, please contact an Independent Agent in your area.

Categories: Products,

Business Insurance Covers Your Risks

August 9, 2016

If you are a business owner, it's important that you understand the importance of business insurance and how it can impact your enterprise.  Determining your risks and making sure you have the right commercial insurance in place requires an evaluation of a wide range of factors.

Your business needs may include:

  • How you serve your customers.
  • How many employees you have on staff.
  • The materials or substances those employees handle.
  • The safety of your building, equipment, and processes.
  • The security of your data and intellectual property.

Commercial insurance can be complex.  It needs to be tailored to each business based on the risk.  A Finger Lakes Independent Agent will ensure that your covered adequately to protect your business investment.  Our Independent Agents can evaluate your business and your insurance needs. 

Contact an agent today to review your policy.

Categories: Liability, Products,

Solar Panels... How Do They Affect Your Insurance?

March 29, 2016

As more and more homes are being contacted by solar energy firms offering ways to cut utility expenses, one has to wonder:  How will this affect my homeowners insurance?

Whether you add solar panels to the roof of your home or freestanding in your yard…make sure they are covered.

If you permanently install the panels on your home, they become part of the dwelling and you should increase your insurance coverage to reflect the additional value of your home.

If the panels are freestanding in your yard, you should increase your insurance coverage under “Coverage B” (Related Private Structures).

If you lease the solar panels, the solar company owns the panels and it's their obligation to insure them.  You do not have to increase your insurance to accommodate the value of the panels.

Installing solar panels isn’t as simple as slapping cells on a rooftop.   So this is one that’s best left for the pros.  Make sure they are licensed and bonded, and no major complaints filed with the Better Business Bureau.

There's also Tax incentives: The federal solar Investment Tax Credit (ITC) is a 30 percent tax credit for residential and commercial properties that convert to solar energy by the end of 2016.

Contact your Local Agent for more information.

Categories: Enhanced Coverages, Products,

Can You Be Sued For A Million Dollars?

March 3, 2016


  • If you operate a vehicle and get distracted while driving, you are at risk.
  • If you own a swimming pool and it causes injury to someone while on your property,you are at risk.
  • If you own a boat and injure a water skier while boating, you are at risk.
  • If you host a party with alcohol, you are at risk.

Personal umbrella insurance is additional liability insurance.  Coverage starts with limits of $1 million and offers coverage where your homeowners or auto policy coverage ends.  It’s designed to pay out above your existing insurance policies.  It can be added to your existing policy with just one phone call to your local agent.   It’s inexpensive and easy to buy.  It’s a good value for the peace of mind it gives.

Categories: Enhanced Coverages, Liability, Products,

Insurance Shopping

February 23, 2016

How many of you search for insurance online, hoping to find a “great deal”? Shop Do you discover that it’s confusing and difficult?

Working with a Finger Lakes Independent Agent will help you cut through the clutter and find all possible discounts and savings available to you in far less time.  Our agents work for you when you purchase your policy and anytime you need to file a claim.  Contact a Finger Lakes Independent Agent today and get started finding the best available savings for your insurance needs.

Categories: Products,

Getting Engaged? Thinking Of A Christmas Proposal?

December 21, 2015

It doesn’t matter if you’re the one who bought the engagement ring or you’re the one wearing it, you’ll want that sparkler to be insured.

A homeowner’s or renter’s policies can be adjusted to include a personal property rider to cover the cost of replacing the ring.  Talk to your independent agent for more information.

In the name of love—insure that precious ring!  It’s easier than you think.   

Categories: Enhanced Coverages, Products,

You’re Not Covered For Building Up To Code…

August 3, 2015

If a disaster covered by home insurance destroys your house, one big expense might catch you by unpleasant surprise — the cost of meeting new building codes.

Most standard home insurance policies don’t cover the expense of bringing the house up to current codes if the structure didn’t meet the latest regulations before disaster struck.

Finger Lakes offers coverage for Ordinance & Law.  When added to your Homeowner’s policy, we will adjust covered losses to the covered building in accordance with any ordinance or law which governs repair, restoration or demolition of the building. This means that the increased cost resulting from enforcement of codes, ordinance or law would be covered.  Do you have the proper coverage?  Contact your agent for more information.

Categories: Enhanced Coverages, Products,

Protect Your Small Business…

April 22, 2015

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health.  You seek to control losses and prevent bodily injury and property damage.  But accidents happen.

Know your coverage for your business.  Know what types of losses apply.  Know what’s not covered.  A Business Owners Policy (BOP) offers a range of coverages that small and medium sized businesses need such as these few examples:

  • Property Insurance – For your building, equipment and inventory.
  • Business Interruption Insurance – To cover losses when business is suspended.
  • Bodily Injury and Property Damage Liability – In the event you or your employees cause harm to others or to their property.
  • Medical Payments – For medical expenses resulting from injury to others on your premises.
  • Equipment Breakdown Coverage – Protects your equipment in the event of damage from a power surge, mechanical breakdown or burnout.

Discuss your concerns with your agent and keep in touch with them as your business insurance needs will undoubtedly change as the nature of your company evolves.

Categories: Enhanced Coverages, Liability, Products,

April Showers Bring May… Water Damage?!

April 7, 2015

Spring time seems to be a magnet for water damage.  As the weather warms and the snow melts, flooding is imminent.

It is much easier to protect your home from flooding than it is to clean up after your home is flooded.   Just a little water in a basement or ground floor of a home can be a huge mess that is expensive and time consuming to clean up.  This spring, take a few minutes to walk around the outside of your home to see if you are at risk for flooding.

  • Inspect your gutters and downspouts for debris.
  • Inspect the foundation for cracks or holes.
  • Check to see if the soil around the foundation slopes away from the house.
  • Re-direct your gutter downspouts – At least five feet away from your home.
  • If you have a chronic problem with water seeping into your basement, invest in a sump pump.

In the past 5 years, all 50 states have experienced floods or flash floods and Homeowners insurance does NOT cover flood damage.  Contact your agent to discuss Enhancement Endorsements that can offer some assist, should you experience interior water damage.

Categories: Products, Property Maintenance,
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