Author Archives: Gretchen Kirby

Gretchen Kirby

About Gretchen Kirby

Gretchen is a lifelong resident of Johnsburg and a graduate of Adirondack Community College with an Associates Degree in Accounting. She is the Branch Manager for The Merriam Insurance Agency in the village of North Creek. She is a licensed insurance broker, enabling her to better serve your insurance needs.

“Gret” is married, has one son, and two wonderful grandchildren. She enjoys cross country skiing and cross stitching.

Branch Manager
295 Main St
North Creek, NY 12853

(518) 251-5839 direct

Tales from the North Country

Lifestyles in different regions of New York State are extremely diverse. What can I tell you about insuring people and businesses in the heart of the Adirondack Park? I have been the North Creek Branch Manager of the Merriam Agency for nearly 10 years, and no two days are alike. People...

Agent vs. Direct

I’m sure you have seen the commercials for insurance carriers such as Geico and Progressive. These carriers are reached by phone or internet. You rarely, if ever, speak to the same representative twice. Insurance is a complicated business. When you purchase from the internet, you choose the options yourself, not...

Meanwhile in the North Country…

We are enjoying the last days of summer.  The piles of wood are growing. The summer clothes will soon be tucked away AND motorcycles will soon be put in the back of the garage except for the few diehard riders. There is one last big run of the season. The Chris Hitchcock Memorial...

Are You Prepared?

No matter how much we think we are in control of our lives, sometimes this could not be further from the truth. I recently had a sudden and unexpected death in my family when my sister’s husband had a massive heart attack. I drove her to the hospital, was with...

What Comes to Mind When You Think About Spring?

What comes to mind when you think about spring? Tulips, motorcycles, tattoos, long rides and vacations. Are you insured for the season? We have insurance to fit your needs! If you have an accident or covered loss while more than 100 miles from home, trip insurance will pay for your lodging up to your policy limit. Is your motorcycle insurance up to date and your coverage adequate? Are your liability limits high enough to cover you in case of a loss?

Are Insurance Costs Too High

Here are a few tips from North Creek that might help: • Bundle your policies. Most insurance carriers give a discount for having both your home and auto policies. • Take a defensive driving class to reduce your auto premium. If you take this class, you will see a 10% discount off the collision, liability, and personal injury protection premiums on your policy, especially if you have a new driver in your family. This is a great way to save money

Flood Zones

Our small town of Johnsburg experienced its 100 year flood in April 2011. Never before, in the memories of our local oldtimers, had the Hudson River overflowed its banks, crossed the railroad tracks, and been only feet away from Main Street, North Creek. The North Creek Woodworking plant was not able to open its doors again for business. Six men permanently lost their jobs; some of them had been