July 4th is one of our all-time favorite holidays. We enjoy celebrating the independent spirit of our country, and why wouldn’t we? Independence means freedom of choice and we’re an independent insurance agency!
Here’s some fun facts/trivia about this all American celebration:
Congress authorized the use of fireworks displays to celebrate our new country’s independence on July 4, 1776.
Both John Adams and Thomas Jefferson died on July 4, 1777.
Calvin Coolidge is the only American president to be born on July 4.
On June 28, 1786, the Common Council of New York decided that there would be no display of fireworks on the Fourth of July, the land was very dry and the risk of fire was high.
Rumor has it that George Washington gave his troops a double ration of rum to celebrate on July 4, 1778.
Wondering where to watch fireworks in the Hudson Valley? Click here.
Most of us have spent the past couple of days listening to the pops and bangs of our neighbors setting off fireworks. Before you rush out and buy your own, please think about those who live near you.
Fireworks are not enjoyable for pets, soldiers with PTSD, and those with autism. You might be having a great time listening to the explosions but many others do not. Please be respectful.
Enjoy yourselves this fourth of July. Have a picnic, swim in your local creek, gather with friends and family to watch those gorgeous professional fireworks, and be safe.
Parts of the Hudson Valley are still cleaning up from the storm that spawned 4 tornadoes on Tuesday, May 18, 2018, it was a storm that many of us will never forget. 4 tornadoes touched down in our area that day; 2 in Putnam county, 1 is Orange county, and 1 in Ulster county. One of the Putnam county tornadoes was verified to be an EF2, that means that this particular twister had winds that clocked in between 113 and 157 miles per hour and was capable of turning the debris it created into missiles and ripping the roofs off of houses, YIKES! Orange hosted an EF0 strength twister, winds at 40-72 miles per hour with the capability to uproot shallowly rooted trees and tumble brick chimneys. Ulster county’s EF1’s winds blew in at 73-112 miles per hour and were capable of blowing mobile homes off of their foundations. This storm was no joke.
If you think that these tornadoes were just a freak occurrence, think again. From September 20, 1975 – May 2000 there were 11 verified tornadoes in Ulster county. Orange county also had 11, theirs were first recorded on July 25, 1969 – July 11, 2011, and Orange county has a body count. Dutchess has had 11 as well, August 7, 1978 – June 25, 2006.
On Wednesday morning our phones began to ring, it seemed like everyone in our local community of Walden, and Motgomery NY had some damage done to their home or vehicles. Large branches and sometimes entire trees littered our roads and yards, schools were closed or delayed, and everyone had the same question; “Am I covered for tree removal?” The answer, more often than not, was not something they wanted to hear.
Tree removal is one of those things that 99.9% of homeowners insurance policies DO NOT ROUTINELY COVER. Shocking, isn’t it? Other catastrophes that are not covered by a typical homeowners insurance policy are:
A homeowners policy is designed to help you repair your home and generally does not cover your yard, so if a tree falls and does not land on your home, there is usually no coverage. Unless you have had your policy endorsed with specific add on overages that have been developed recently, pests, earth movement, flood, and mold have never been covered. Call you agent to see if you can have some of these newer endorsements added to your policy. It will cost more but some companies now offer sub-coverages such as tree removal, fungus abatement, earthquake, pest damage, and even a limited flood endorsement is now being made available by one of our carriers. For those of you that do not have a flood insurance policy but are still a little concerned about the possibility of flooding due to a change in the topography in your area, call your agent to find out. That added coverage is incredibly affordable and really comes in handy when the Hudson Valley’s weather decides to go big or go home.
When was the last time you sat down with your insurance agent? Insurance is asset protection, don’t wait for a disaster to find out that you are under insured.
Thinking about Christmas is so much more fun than thinking about insurance and that is the reason we are sharing some Christmas trivia with you today.
The written story of Rudolf the Red Nosed Reindeer was originally meant to be an advertising campaign for Montgomery Wards department store in 1939. Author Robert May penned the story for a free booklet to be given out to children as they shopped with their parents.
A Christmas Carol in Prose, Being a Ghost-Story of Christmas, is the full name of the Charles Dickens novel, A Christmas Carol.
When you ask someone what they love the most about the Hudson Valley you will probably never get the same answer twice. We thought we should share some of the things we love about living and working in the Hudson Valley and we could find out what your favorite Hudson Valley adventures.
1- Taking a cruise on the Hudson River. If you aren’t lucky enough to own a boat, then hopping aboard one of the river’s many cruise ships is an excellent way to really appreciate the beauty of the Hudson River. We’ve cruised with Hudson Valley Cruises and truly enjoyed the trip!
2- All of the unique street art. The city of Kingston is host to the original O+ festival and the artists that use the buildings as their canvas are top notch!
3- The Hudson Valley’s amazing breweries, vineyards, and distilleries! We highly recommend 2 Way Brewing Company in Beacon. Please drink responsibly while exploring the Hudson Valley’s many alcoholic beverages.
4- Drive-Ins! It’s summertime, grab a blanket, some bug spray, and make sure your car’s battery is fully charged, it’s time to go to the Drive-In! Dutchess county is home to 3 drive ins, Green county has 2, Orange county has 1 (if we’re wrong, please let us know), and that seems to be it. If you know of any that we’ve missed, please let us know.
5- Hiking. Let’s face it, we live in the most photogenic place in New York state. Just look at these views-
6- Fall. Best. Thing. Ever. Hay rides, apple picking, cider, the leaves, the air, there is nothing more beautiful than the Hudson Valley when the leaves are at their most vivid reds and oranges!
Let us know what your favorite things are in the Hudson Valley! #ExploretheHudsonValley #shoplocal #eatlocal #playlocal #insurelocal #HudsonValleyAgents #HudsonValley
Walden has a bad reputation. We don’t fully understand why or how Walden came to have its own listing in the Urban Dictionary, TBH we don’t really care. We liked Walden when we opened our doors here 26 years ago, and we grew to love it and we think you will too.
Walden has something for everyone, but here’s a few of our favorite things:
Ming Jie’s House on Main St has the best scallion pancakes outside of San Fran Sisco
The Village of Walden created a welcome packet and it has tons of useful info
Let’s talk about movie making in the Hudson Valley. Governor Cuomo recently signed legislation extending tax credits for those making movies in certain counties in New York state, thus making filmmaking in the Hudson Valley very affordable. Affordability is only part of the picture, the Hudson Valley is home to Umbra, a huge soundstage in Newburgh, and there is a proposal to build a film studio in Kingston. We are also home to the Woodstock Film Festival, two wonderful independent theaters, and all the natural beauty anyone could ever want.
Even without the tax credit incentive, people have been flocking to the Hudson Valley to make movies and we would like to write their insurance! We can insure every aspect of movie making in the Hudson Valley. General liability, Property and Inland Marine, Crime and Fidelity, Bell Endorsements, and we even offer Risk Management. We won’t bore you with all the insurance-speak in this blog, we’ll let Dave Jr take care of that, he’s our expert in this field and you can reach him at our Walden office 845-7782141.
There are only 4 more days left in 2016, and for that we are thankful! 2016 has been the year from hell for most of America and we find ourselves looking towards 2017 with hope and a little bit of nervous laughter. 2017 will be welcomed in with hearts filled with the hope that this will be the year we actually keep our New Year’s resolutions.
Making resolutions for the new year is something we have all done and 2017 will be no exception. An impromptu poll of Hudson Valley residents (we asked our friends and family members) shows that these are the 5 most popular Hudson Valley New Year’s resolutions:
Saving money on your insurance is easy, call, click, or stop by for a free quote on all of your insurance needs. We work with many insurance companies that offer competitive rates and many of them are located on the east coast.
We love to shop local and we really love to insure local! We work with several Hudson Valley-based insurance companies as well as companies based in New York state. We also offer affordable insurance coverage for small businesses throughout the state. You can always #insurelocal with us!
Organizing your insurance policies is easy with our free app for iPhone and Android users! Finding your policies, making claims, making payments, even finding your car in a crowded parking lot just became a whole lot easier.
The day after Halloween is one of the busiest days in our office. November 1 is the day we field phone calls from our insureds who’s homes and cars have been damaged by Halloween pranksters. There are steps you can take to prevent damage to your home:
Use LED candles instead of real ones in your Jack O’Laterns and bring them inside once you’ve stopped handing out candy.
Make sure all walkways are well lit to help little ghosts and ghouls find their way and prevent falls.
Park all cars, bikes, and motorcycles inside of your garage.
Leave outdoor lighting on all night long. A well-lit home is an undamaged home.
If you wake up and find that your home or car has been damaged (toilet paper in your trees, eggs smashed on your car, mangled mailbox, or a flour covered front porch) make a policy report and call your insurance agent. Most homeowners policies cover this type of damage but speak to your agent first; you might want to consider paying for it out of pocket.
Halloween in the Hudson Valley isn’t all about preventing teens from toilet papering your trees; it’s about Halloween candy! Recently we shared a post about the most popular Halloween candies in America; each state was listed, and New York’s favorite is supposed to be Sweet Tarts. That just didn’t sound right to us, so we got in touch with Diane at the Kingston Candy Bar. Her best-selling products right now are –
Marshmellow Spell Book
So, which would you rather have, Sweet Tarts or Zombie Pops? We’re betting on Zombie Pops.
Enjoy your Halloween Hudson Valley! #shoplocal #insurelocal #HudsonValleyAgents #HalloweenintheHudsonValley
Fall is when the Hudson Valley shines! Our trees are all decked out in their autumnal best
Our villages/towns/cities join in the fall fun too!
Even your local, independent insurance agency (aka us, Hudson Valley Agents) can’t resist celebrating Halloween & Fall.
We decorate the outside of our homes,
as well as the inside
And we celebrate good times with friends and family,
Fall, it is our favorite season in the Hudson Valley! Our local Farmer’s Markets are chock full of gorgeous seasonal produce, the kids (and adults) are choosing Halloween costumes, and our backs are just a little achy from raking leaves. When you’ve finished your fall clean up and prepping for another infamous Hudson Valley winter, it is time to reevaluate your insurance needs. Filling in any coverage gaps in your homeowners insurance now that the springtime remodeling job is finished, taking a second look at your car insurance needs now that one of the kids has finally moved out, and bunding your motorcycle and snowmobile coverage for an added discount can all mean more money in your pocket for the upcoming holiday season.
Happy Fall Hudson Valley! Shop local. Eat local. Insure local.