Ross, Stepien & Kadey, Inc.

We are an independent insurance agency located in Liverpool, NY. We cover all your insurance needs: auto insurance, home insurance, life insurance, and business insurance.

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Winter Driving Safety Tips

Winter Driving Safety Tips | Travelers Insurance Falling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety with these winter driving tips. Here are some guidelines that can help you …

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Snow Shoveling Safety Tips

Snow Shoveling Safety Tips | Travelers Insurance When the driveway and walkways are coated in a thick blanket of snow, it is time to get a shovel out for what some consider to be a dreaded chore. But before you tackle the first snowfall of the season, take some time to read these safety snow …

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How to Identify and Help Remove an Ice Dam

How to Identify and Help Remove an Ice Dam | Travelers Insurance Sometimes, even your best efforts to prevent an ice dam may not be enough. Knowing what an ice dam is, how to identify one and how to help remove it is important to protecting your roof and home from potential damage during the …

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What ARE your chances of being hit by lighting?

As of mid-June, 2016 there were six lightning deaths, three in Florida, two in Louisiana and one in Mississippi, according to statistics from the National Oceanic and Atmospheric Administration (NOAA). In 2015 the number of direct lightning fatalities was unchanged from 2014 at 26, up from a record low of 23 in 2013. From 2006 to 2015 on …

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Accidents and Drivers with No Insurance: Now What?!

Uninsured Motorists Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. A handful of states, including Nevada and Texas, have passed laws and begun to develop and implement online auto insurance …

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Identity Theft and Cybercrime: Which State Ranks Highest?

THE SCOPE OF IDENTITY THEFT The 2016 Identity Fraud Study, released by Javelin Strategy & Research, found that $15 billion was stolen from 13.1 million U.S. consumers in 2015, compared with $16 billion and 12.7 million victims a year earlier. In the past six years identity thieves have stolen $112 billion. Following the introduction of …

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How much homeowners insurance do I need?

You need enough insurance to cover the following:  The structure of your home. Your personal possessions. The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs. Your liability to others. The structure You need enough insurance to cover the cost of rebuilding your home at current …

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Changing Insurance Needs: Baby BOOM!

Children are the future. We need to plan for their future and we need to protect it. As the saying goes, it will be here before we know it. A family’s insurance and financial needs will grow and change over time as we take steps to manage our finances; and protect our property and lifestyle …

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Changing Insurance Needs: Domestic Partners

Since insurance and domestic partnership laws are different in each state, it’s best to consult with a financial advisor or lawyer who is familiar with laws affecting domestic partnerships in your state. AUTO When you buy a car, it is titled. The most practical approach to getting insurance is to ensure that both names are …

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Changing Insurance Needs: Divorce

Since nearly half of all marriages fail, divorce is unfortunately very real for many people. Couples face the difficult task of separating emotionally and financially. This has insurance implications as well. Legal and financial advice will be critical, particularly if there are children involved. Divorce can have a serious impact on one’s credit standing, both …

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