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Summer Safety Spectacular

I recieved an email this morning about a local event for families.  If you are in the Bushwick Brooklyn, Ridgewood, Glendale or Woodhaven Queens areas, this is a nice way to spend a couple of your Saturday hours with the kids.  Summer’s coming, what better way to prepare?








Forest Park Band Shell Parking Lot (Click for directions)

June 23, 2012

10 AM – 1 PM


FDNY Smoke House | NYPD VIN & Bike Etching

NYPD Safe Child ID Cards | Office of Emergency Management

Queens Borough Public Library | Department of Environmental Protection

Queens County Traffic Safety Board/ Helmet Giveaway  (while supplies last)

For More Information, Contact the Office of:

Assemblyman Mike Miller

83-91 Woodhaven Boulevard
Woodhaven, New York 11421
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Storage Units: Are you covered?

Twice this week I had Storage Unit related questions.  and then I came across this article from Trusted Choice.

What it boils down to is this:

Your homeowner’s policy offers you worldwide coverage for your personal contents.  HOWEVER, items stored at a separate location are covered up to 10% of your total contents coverage.

If you have $250,000 contents coverage on your homeowner’s policy, you would only have UP TO $25,000 coverage for your items in storage.

It’s essential to have a solid inventory of all your personal belongings and their value to make sure that you’re covered in the event of a catastrophe.  And if more than 10% of your contents is in storage, maybe it’s time to re-evaluate how much contents coverage you need, or whether everything needs to be in storage in the first place.

The Article from Trusted Choice can be found HERE.

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Happy (Belated) Memorial Day!

I was pretty much completely “Unplugged” this weekend.  I hope everyone enjoyed the sun, the warmth and a good Barbeque.  I also hope that we all took the opportunity at 3pm to observe the moment of silence.

We revel in that celebration of our armed forces, those brave men & women who risk everything to fight for our country (Whether they agree or not).  And we, as citizens owe them at least that small measure of respect (Whether we agree or not).

So I say to all of you, Happy Belated Memorial Day!

And I say to our Armed Forces, “Thank You.”


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Hurricane Preparedness Week (May 27-June 2)

This week is “Hurricane Preparedness Week” Image

Is your home protected in against windstorms and hurricanes?  As the Summer begins, it is important to review the safety measures we have in place and make ourselves aware of any weak points that need to be addressed.  Many policies have a 2% to 5% deductible for Hurricanes & windstorms.  Do you currently have 2% of the value of your entire dwelling in an account that is readily accessible for repairs to your home?  

Review this Hurricane Checklist from the Hartford as a great starting point!

Also, here’s some information from National Hurricane Center with ways to be prepared & take action.

Remember, no one can protect your home better than you can.

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Looks like we’re doing something right!

I may have previously mentioned that I work in Personal Lines.  What does that mean?  Auto, Home, Flood, Umbrella, Personal Articles…That kind of stuff.

So today, there’s an article on CNN.com about homeowner’s insurance.

And ALL the suggestions they give to the average homeowner, are things we do EVERY year on renewal for EVERY one of our clients.

Here are some of the things we’re looking at:

  • Insurance to Value:  The dwelling coverage is going to be your most important coverage.  Its what rebuilds your ENTIRE house if something horrible happens.  So, clearly we want to make sure that there’s ENOUGH coverage.  However, this amount is not the market value of your home.  Those numbers fluctuate yearly, and they include the value of any land, which is not covered by homeowner’s insurance.

A good general rule of thumb is to take the square footage of your home, and multiply that by $200 to $250 depending on the quality of construction and the construction costs in your area.

  • Replacement Cost:  This is an endorsement on the homeowners policy that allows your dwelling and/or contents to be insured with no depreciation.  That means in the event of a loss you will be entitled to a replacement of like kind or quality.  
Why is that important?  Who wants to get half the value of a new couch, stove, refrigerator, etc?  These items are not inexpensive, and if you have a nice one and it is damaged, I’m sure you’d want an equally nice replacement.
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National EMS Week. Have you thanked an Emergency Medical Tech today?


Every day, EMT’s and Paramedics are our first responders.  Our heroes.  Our Life Savers.  No matter the circumstance, or the danger they go into insane situations to save the lives of people in need.

This week, take a minute to find an EMS worker and say thank you.  It could be someone you know, or someone that you pass on the street.  Just say thank you.  Theirs is often a thankless job, and they deserve all the appreciation we can give them.

My uncle David was a paramedic for many years.  I plan on calling him today.  Who will you thank this week?

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The most AMAZING blog entry all about… You guessed it, Popsicles!  And they all look so amazing i can’t wait to try and make them!