Insurance Blog
Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Is there anything quite so pleasant as coming home to a warm and cozy house on a cold winter's day? Home isn't just where the heart is; in the winter, it's also where the hearth is.
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Make Your Home Safer: It is never a bad idea to make your home safer for you and your family.Installing a security system is the best way to improve the safety of your home, but even installing better doors, windows or locks could help lower your Home Insurance premiums. Improve Your Credit: Insurance companies often use credit information when setting your premiums, so by improving your credit you can improve your insurance rates at the same time. Take Defensive Driving: A Defensive Driving course could lower your insurance rate by as much as 10%.Defensive Driving courses can be taken online, at schools or even in our office.Call us for more information. Quit Smoking: Smoking increases your life insurance, disability and longterm care premiums.Most insurance companies require you to be tobacco free for 12 months before you can qualify as a non-smoker, but some companies offer incentives for quitting. Stop Driving Distracted: In NY State it is illegal to both hold your cell phone to your ear while talking and driving, or to text while driving, but recent studies have shown that even hands free talking will distract you while you drive.While you may not see an immediate return for safer driving, it will help prevent accidents and avoid traffic violations that will ultimately result in lower insurance rates. Look Into Multi-Policy Discounts: Saving money on your insurance is a great New Years resolution, and one of the best ways to do this might be a multi-policy discount.Buying several policies with the same insurance company could provide you with significant savings.Let us find out for you.Call us to learn more.(631)563-8433 The best way to lower your insurance rates is to let us find you the best prices.Whether your already a client or thinking of becoming one, EIFS will do everything we can to find you the best price. Important Note: None of these resolutions are guaranteed to lower your insurance rates.Different companies have different policies and you may already have the best rate possible.EIFS can help you find out if these resolutions can work for you.Call us to learn more.(631)563-8433
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Roads can be positively deadly in the wintertime. According to icyroadsafety.com, there were an average of 467 fatalities per year between 2008 and 2010 due to icy roads alone. And, even if you live in warmer climates, winter driving can be a wild and wooly experience regardless.
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In the New York, the holidays are a special time of year for so many reasons. They may be spiritually significant, or bring us closer to our friends and families. They are a time of giving, gathering, and sharing good food. For children, they may be a chance to receive some longed-for gifts. Despite all the magic that characterizes the holidays, they are not free from accidents. In fact, the holidays are one of the most dangerous times of year, when household accidents and injuries abound. Here are the ten most common holiday mishaps, and tips for avoiding them.
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Before winter strikes in New York, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air. But how many of us take similar steps to prepare our homes for winter weather? Readying your home for winter, also known as "winterizing," will not only help you and your family to stay snug and warm while saving money on energy bills, but it may also protect your home from damage that can lead to costly repairs.
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Fall is the best time to do some important annual maintenance to your home in preparation for the coming winter.
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The heat and humidity that tend to lurk around in the summer months around New York create the perfect recipe for thunderstorms. Occurring either late in the afternoon after big black clouds slowly build up and rumble or springing up out of nowhere, they often come with high winds and heavy rains.
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Has this ever happened to you? You turn on the gas to your grill, try to light it and nothing happens. A few seconds pass, you keep hitting the ignite switch and finally it lights with force, due to all of the gas that's been slowly leaking out. Most of the time the little blast does no harm, but serves as a gentle reminder that it could have been worse.
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Reality television has a way of glamorizing good, old fashioned outdoor work, with shows like "Extreme Loggers," "Deadliest Catch" and "Dirty Jobs." And although it can be hard to tear yourself away from these shows, we have to admit that part of the intrigue is the extreme dangers these people face every day on the job, especially compared to those of us sitting at a desk.
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