General

Equipment Breakdown Coverage for Your Home

The summer of 2016 was very busy for Nick and Brittany Desso—they were moving, buying a house, and getting married, almost all at the same time. They used the Merriam team to help them find the right home insurance. They appreciated the thoroughness of the Merriam team in asking questions...

Determining the Lowest Premium

Many times people who call me for car insurance quotes are satisfied just by hearing the “cost per month.” It seems simple: Determine the lowest total cost, and you know what you are getting into. But in fact, hidden costs can lurk beneath the surface. Here are some questions to...

New York State Defensive Driving Course

Save $$ on your auto insurance and reduce up to 4 points off your license by taking the New York Safety Program’s Defensive Driving Course! Join Brian Merriam, CPCU, ARM, AAI in Schenectady at 376 Broadway for State sanctioned Defensive Driving.  This 6-hour, two night course (3 hours each night) is valid for 3 years and can...

Pruning!

I love pruning trees & shrubs. Once I get started, I’ll keep going until my blisters have blisters, leaving my hands sore and tired for days. Regardless, the satisfaction of whipping nature into submission is inexplicable. My first real pruning efforts were not appreciated. I pruned the top 10 feet...

Additional Insureds? Here are the Facts

I received a phone call from one of my cross country ski club association clients recently asking advice about one of their members. The member was asking the club to name them as an additional insured on the racing association’s liability insurance as an “Additional Insured,” believing that would protect them...

Safeguard Your Home Against Falls

All age groups carry risks for fall-related injuries, but those who are 65 and older hold the greatest risk. Click here for some great tips on how to minimize potential fall hazards. Article courtesy of Odessa American.