Archive for the ‘Introductions’ Category

As your life changes, so should your insurance   Leave a comment

exclude these types of endeavors Many of us already know that our insurance needs change as our living situations change. This can be changing from a tenant policy to a homeowner policy when you buy your first home, or increasing the amount of coverage as you add onto or renovate your home, or even writing a new policy when you move into a nicer home. What most people do not know is how much renting your property to others can change your insurance needs.

First things first, we need to understand what renting property means in terms of insurance. Renting out your home or property is considered a business pursuit. Homeowner or tenant policies are intended for owner/renter occupied dwellings, and frequently exclude these types of endeavors – even if it’s only done on a short-term basis like AirBNB. Many people do not know this when they begin to rent out their homes. This means that unless a property owner does their research, they are likely to have a gap in their insurance coverage when they rent out their property.

Don’t worry; there are options to fix this gap. This solution is typically as simple as getting a Landlord Policy for longer term rental situations. When renting your home on a shorter term basis like AirBNB or HomeAway, however, the solution is not as simple.

Many insurance companies are not yet willing to provide coverage for these types of situations, taking a conservative approach in order to see how the various potential legal pitfalls will play out. A few insurance companies, such as Erie Insurance, have taken a more proactive approach by offering this coverage to their clients.

Ultimately, your best option is to contact your agent (or us!) to find out if your particular life-changes require any sort of additions or alterations to your insurance coverages. And don’t forget to ask about Life Insurance!

Relax

Relax! That’s why you have insurance

Advertisements

Posted August 24, 2016 by Scott in Introductions

A quick note about flooding & home/building insurance   Leave a comment

Ground water is not covered by virtually any building or dwelling insurance policies without a flood insurance policy.  This fact is very likely to come into play by early next week in the Buffalo area of western New York state as temps are predicted to rise into the 60’s and rain is being called for Sunday and Monday.

That’s going to mean a LOT of atypical water, including a lot of ground water, which is likely to cause a lot of headaches and damage for homeowners.  As mentioned above, if you do not have flood insurance, damage done to your home or other building(s) is not going to be covered.  What’s “worse” is the fact that if you do not already have flood insurance, you cannot buy it now in hopes of protecting your home from next week’s potential flooding – flood insurance policies require a 30 day waiting period for that exact reason.  The only time the 30 day waiting period can be waived is if the flood coverage is being required by a mortgage lender on a newly-purchased building.

Don’t have flood insurance and worried about the damage that could be done?  Here are a couple websites that have some useful suggestions of how you can at least mitigate or prevent much of the damage:

http://restorationindustry.org/content/protecting-your-home-after-snow-storm

http://www.kshb.com/weather/weather-news/snow-melt-could-cause-foundations-big-problems

http://www.ready.gov/sites/default/files/Spring_Flood_Fact_Sheet.pdf

http://www.ag.ndsu.edu/flood/media-resources/news-releases/before-the-flood/protect-your-property-from-downpours-snowmelt

http://www.melochemonnex.com/en/residential/articles/home_ins_winter

I hope that you find this information helpful, and if you happen to have friends or relatives in the Western NY area – please share this info with them now!

Posted November 20, 2014 by Scott in Introductions

Merry Christmas from the Dog Blog!   Leave a comment

Good afternoon and a Merry Christmas from the Insurance Dogger!

We hosted a mini-photo shoot with Sammy last night in preparation for putting together Social Media Christmas greetings, and some of the results are below.  We narrowed and narrowed, and the picture on top was the final winner!  (Outtakes to follow some time later this week or next!)

We hope that all of you have a wonderful Christmas Holiday, and that you have a healthy and prosperous New Year!  We hope that if you are traveling, that you have a safe journey and enjoy your time with your family and friends.

Merry Christmas and Happy New Years!

Sammy Bo Journey, Scott Berney, and the Polesky Agency.

Dog Blog

We wish you a Merry Christmas!

Christmas Tree

Cute, but too busy!

Sammy adorable

Very hard not to pick this one, but no place to put the Christmas Message!

How cute is she anyway?

How cute is she anyway?

This one would've been great, but it was too dark.  Unfortunately, it wasn't possible to lighten it up without affecting quality

This one would’ve been great, but it was too dark. Unfortunately, it wasn’t possible to lighten it up without affecting quality

The Dog Blog gets patriotic   Leave a comment

Today our country stands on the edge of a precipice of our own making.  The actions of the few, those who we elected as our political representatives, have had (and could continue to have) serious negative repercussions on the many.  As we watch, waiting anxiously for word that our chosen government will continue to honor its financial obligations, we debate amongst one another about the proper way that we should move forward – sometimes cordially, sometimes not.  But I am reminded over and over throughout this process of how much these types of situations represent some of the best characteristics of our great nation.

I had a brief conversation with my brother recently about whether or not we could still be considered the greatest nation on Earth.  He brought forth a large amount of hard analytical data that would seem to indicate that we are not.  While I do feel that these figures demonstrate how our country has slipped, I don’t feel that they represent the full picture of what makes us great.  Part of that greatness cannot be easily quantifiable.

While the political process is considered by many to be corrupt and reprehensible, it is part of what I feel makes this country so great.  Even the small minorities of opinions can be represented if they are able to collaborate and get a candidate who represents their opinions elected.  We want to pour fire and frustration into the laps of our politicians, but we conveniently forget that we are all responsible for having sent them there to represent us – and in that, we find one of the greatest things about our country.

The opinions, tactics, and processes that occur in our government accurately represent the divergent opinions, tactics, and processes that make up our wildly dynamic country.  There is nothing remotely uniform about our ideas and beliefs, and as such neither should our government be uniform in its ideas, beliefs, and actions.

This will create difficulties and dissention, and sometimes results in very challenging situations like the one we currently face.  But I hope that we do not lose sight of the fact that these difficulties and challenges are created by one of the things that makes us such a great nation – the ability to have a fully representative government.  If we don’t like where our nation is headed, we have the ability through voting and elections to change that direction.

In addition, the sometimes heated debates that we have in various forums – in person, via social media, e-mails, etc – is another character of our country that makes it an incredible place to be while also being not easily quantifiable.  There are plenty of places in this world that has either limited or no ability to speak their mind freely and discuss the actions of their government openly.  I think sometimes we take this freedom for granted as we express our frustrations in the state of our nation.  Such freedom of speech is unheard of in places like China and North Korea, and severely limited in many other places.

Ultimately, I hope that reading this reminds all of us that we are not merely Democrat or Republican, conservative or liberal, but instead that we are all Americans.  While we may disagree on the questions of who, what, why, or how, we all share a common bond in our freedom of expression and our ability to alter the course of our great nation.

american-flag-2a

In honor of Martin Luther King Jr   2 comments

January 15 1929 - April 4 1968

January 15 1929 – April 4 1968

“But though I was initially disappointed at being categorized as an extremist, as I continued to think about the matter I gradually gained a measure of satisfaction from the label. Was not Jesus an extremist for love: “Love your enemies, bless them that curse you, do good to them that hate you, and pray for them which despitefully use you, and persecute you.” Was not Amos an extremist for justice…: “Let justice roll down like waters and righteousness like an ever flowing stream.” Was not Paul an extremist for the Christian gospel: “I bear in my body the marks of the Lord Jesus.” Was not Martin Luther an extremist: “Here I stand; I cannot do otherwise, so help me God.” And John Bunyan: “I will stay in jail to the end of my days before I make a butchery of my conscience.” And Abraham Lincoln: “This nation cannot survive half slave and half free.” And Thomas Jefferson: “We hold these truths to be self evident, that all men are created equal . . .” So the question is not whether we will be extremists, but what kind of extremists we will be. Will we be extremists for hate or for love? Will we be extremists for the preservation of injustice or for the extension of justice?” -Martin Luther King, Jr.

 

I hope that you have a warm and wonderful Martin Luther King Day.

 

The Dog Blog

 

Posted January 21, 2013 by Scott in Introductions

A mish-mash of things leading up to Christmas!   3 comments

Hello and good morning faithful!

Not terribly much new going on in the local insurance world, and amazingly few things need to be addressed insurance-wise.

I do want to say that I hope you all have a wonderful Christmas and New Years.  The dog and I will be going on vacation shortly (well, I’m going on vacation, the dog is going to *gasp* the kennel) and this will be my last post of 2012!  (for followers of the Mayan Calendar, I guess it’s my last post ever!).  We will be celebrating Christmas and New Years with some of my oldest and closest friends, and I hope that you have the opportunity to do the same!

I would like to say a little something in light of the events in Oregon and Connecticut.  There is very little that we can do to directly impact the lives of those involved with what happened, but there is a lot that we can do every day to impact the lives of those around us.  Be the good, be the light, and be the joy that people need to see every day.  Show people that there is a better way to live.  Show patience.  Love others.  Be caring and understanding.  Encourage those around you.  Show people that there IS good in the world.  As the world becomes a darker place, the only way to combat that is by adding more of your own light back in.

The fruit of the spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control.  Against such things there is no law.

Next year, I am going to re-double my efforts to show my gratitude and appreciation to first responders.  These people make sacrifices every day to ensure our comfort and safety – there is no such thing as doing “too much” to show them our appreciation – you never know whose life they saved today.

My first year with the Polesky Agency has ended on some very high notes!   We’ve had one of our best years ever, and were recently ranked by the home office as being in the top 10% of all Erie agents!  We’ve expanded the number and types of insurance companies we can place new policies with for both personal and commercial lines, allowing us to better serve our clients by offering them more options.  Our office remodeling job is nearly completed, and the new layout and look have been a smashing success!  We have dramatically expanded our social media presence – LinkedIn, Facebook, and Google+ – and are even the first listing now when you Google “Erie Insurance Moon Twp”! 

I would like to wrap up just by saying that I’m looking forward to a positive, productive, and prosperous 2013, and I hope that we can work together to protect the things you care about most!

All the best for 2013!

Sammy Bo Journey, Scott & Amanda Berney

Scott & Amanda Berney

Scott Amanda and Claire in 3D glasses

Scott Berney Amanda Berney honeymoon

Scott and Amanda Berney on their honeymoon

Relax

Sammy Bo can finally relax and enjoy the holidays!

Wow!   Leave a comment

Has it really been almost a month since we posted last?  It hardly seems like it’s been that long!

The research has been going slowly but well – there is so much information out there about Marcellus Shale and gas wells that it’s hard to sift through everything and find what’s appropriate or fitting.  It’s almost overwhelming!  I don’t intend on writing a graduate thesis on the topic, but I hope to at least consolidate some of what’s out there and put together something concise and interesting that touches on exactly how gas wells can and will affect your insurance.

Things have been going well otherwise – hard to believe that tomorrow is the first day of fall!  I hope that summer has been as good to you as it was to us, and here’s to warm food and drinks for those long cold days coming up!

Posted September 20, 2012 by Scott in Introductions

Tagged with , , , , , ,

Natalie Breuer

Natalie. Writer. Photographer. Etc.

Rare Historical Photos

And the story behind them...

coldbike

Cycling with kids, sometimes in the cold.

German is easy!

The blog for all who want to learn German...

frugalfeeding | Low Budget Family Recipes, UK Food Blog

n. frugality; the quality of being economical with money or food.

A Dog's Blog

Sammy Bo Journey, Insurance Dogger

Bucket List Publications

Indulge- Travel, Adventure, & New Experiences

The Butchered Pig

Food and musings...

Denise Minger

Rescuing good health from bad science.