Archives for October 2014

Have a Roommate? Make Sure You Have the Right Insurance

Living with a roommate is not just for college students anymore. Many people are choosing to live with a roommate to help pay the bills, or to allow them to live in a more desirable area. If you are thinking of moving in with a roommate, make sure that you invest in the right insurance policies to ensure that you are protected in any unfortunate situation. Make sure to consider these policies when moving in.

  • Renter’s insurance. If you are renting a house or apartment with a roommate, it is vital to invest in renter’s insurance policy. While the landlord will have a policy that provides coverage for the structure of the home, it will not provide any protection for all of your belongings that are kept in the home.
  • Homeowners insurance. If you own a home and have a roommate to help with the finances, your homeowners’ insurance policy will provide coverage for any accidents as long as you are still living in the home. Typical homeowners insurance policies allow you to rent rooms out to two roommates without having to pay extra premium costs. It is important to keep in mind that a homeowners’ insurance policy will not provide any protection for the tenants’ belongings, and they would have to invest in their own renter’s policy to be covered.
  • Auto insurance. If you are going to allow your roommates to use your car, even if it is just to run to the store, make sure you add them to your auto insurance policy to ensure that they are covered in case they are involved in an accident.

Contact the insurance experts at Alliance Group in Fairport, New York for all of your insurance needs when moving in with a roommate. We will work with you to ensure you have the right amount of coverage for your specific situation.

Insurance for Fallen Trees

Trees are a great way to add beauty and value to your home. While they can also help shade your home to keep it cool, it is important to keep in mind that trees can also be dangerous, especially during winter storms. Having the right insurance coverage can help to ensure you are protected in case one of your trees falls.

If one of the trees in your yard falls on your vehicle, your auto insurance policy will cover the damage, as long as you have comprehensive coverage. If you skipped out on comprehensive coverage when investing in your auto insurance, you will be left paying for the repairs out of pocket. The comprehensive coverage portion of your auto insurance would also provide coverage if the tree fell on and damaged a neighbor’s car.

If the tree falls down and damages your home, your homeowners’ insurance policy would provide enough coverage. Your homeowners insurance policy would also provide coverage if the tree fell on any other structure on your property, including sheds and garages. It is important to keep in mind that if the tree falls and does not damage any structures on your property, you would have to pay for the removal of the fallen tree out of your pocket.

Luckily, there are steps that you can take to help prevent any of your trees from falling. One of the easiest steps to take is to examine the tree. If it looks like it is damaged in any way, it may be time to remove it. You could also hire a professional arborist that would be able to let you know if there are any special treatments that would be able to help your trees.

For all of your homeowners and auto insurance needs throughout Western New York, contact Alliance Group in Fairport.

Check out These Local Pumpkin Patches!

What is the best part of fall? All the fun and exciting pumpkin patches! Make sure to plan a trip out with all of your loved ones to these local pumpkin patches and enjoy all that your community has to offer.

Wickham Farms in Penfield really gets into the spirit of the season with many different activities throughout the month to keep people of all ages entertained. Make sure to come and get lost in the 2 ½ acre corn maze ever day until it gets dark. Also, stop by on October 19th and watch the Director of Fun, Jenny Bay, carve a huge pumpkin. Get there before 2 p.m. so you can try and guess the weight of the pumpkin.

Chase Farms in Fairport is a great place to find the perfect pumpkin for your jack o’ lantern! Make sure to come during any weekend in October to enjoy a wagon ride through the pumpkin patch and a free corn maze!

The Great Pumpkin Farm in Clarence has something for everyone. You have the choice to pick your own pumpkin straight from the field, or choose one that has already been gathered. The farm also features face painting, tractor-pulled hayrides, pony rides, a petting zoo, and much more! Make sure to pack a lunch and enjoy the beautiful picnic area with the whole family.

If you are looking for something a little scarier, make sure to check out Frightworld in Cheektowaga. With both a haunted house and haunted trail, you are sure to get spooked during your visit!

Alliance Group, located in Fairport, would like to invite you and your family to visit these local pumpkin patches this fall!

Stay Safe This Halloween with These Safety Tips

Halloween is almost here! Which means it is the perfect time to make sure all your decorations are looking their best and all the finishing touches on your costume are done. More importantly, it is vital to make sure you know how to stay safe this holiday. Keep these simple Halloween safety tips in mind to ensure that everyone has a safe and fun Halloween.

  • If your child’s costume includes a play sword or knife, make sure that it is flexible and short so nobody is accidentally hurt.
  • When choosing the perfect costume for your child, make sure to choose one that fits properly so that they do not trip while out trick or treating. Also make sure that they wear comfortable shoes since they will be walking long distances.
  • Use reflective tape on your child’s costume so that they are more visible to passing drivers. Also have them carry a glow stick or flashlight so that they are able to see in the dark.
  • Always cross the street in a cross walk and be sure to follow all traffic laws. Teach your children to make eye contact with a driver to be sure that they are seen before crossing the street.
  • Do not allow children under the age of 12 to go trick or treating without the proper adult supervision. If you have older children who will be trick or treating with friends, make sure they stay in neighborhoods they are familiar with.
  • Before you allow your children to enjoy their candy, make sure to check each piece. Throw away any pieces that are open or look like they have been tampered with.

Alliance Group would like to wish you and your family a fun and safe Halloween this year!