Buying a House? What You Need to Know about Homeowner’s Insurance

James Dick, CPCU, AAI

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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Buying a home, be it the first or the fifth, can be an incredible roller coaster of emotion, combined with copious amounts of information on subjects or terminology you may or may not recognize, such as radon, easements, and gutter quality. Since homeowner’s insurance is purchased after you have already...

When Rising Water Is Called a Flood

There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.

Why Do Auto Rates Increase and What Can I Do About It?

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

How to Be a Good Board Member

James Dick, CPCU, AAI

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

Send Email
James Dick, CPCU, AAI

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Service Line Coverage: What You Need to Know

James Dick, CPCU, AAI

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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The Benefits of taking a Defensive Driving Course

Brian H. Merriam, CPCU, ARM, AAI, President

Brian H. Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

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Brian H. Merriam, CPCU, ARM, AAI, President

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Medicare Eligible Employees?

Lisa Rice

Lisa Rice

Health Benefits Account Executive at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 213
(877) 637-7426 x 213

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Lisa Rice

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There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually: Begins 3 months before the month you...

Two New Types of HRAs Expand Heath Reimbursement Arrangements

Shannon McMeel

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 203
(877) 637-7426 x 203

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Shannon McMeel

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On October 12, 2017 President Trump issued Executive Order 13813 promoting Healthcare Choice and Competition across the United States. This took the form of a Notice to expand the flexibility and use of Health Reimbursement Arrangements (HRAs) to provide more Americans with additional options to obtain quality, affordable healthcare. The proposed...

Long-Term Care Insurance

Brian H. Merriam, CPCU, ARM, AAI, President

Brian H. Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

Send Email
Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

A close relative of mine has always been a saver. He would squirrel away money and only bought used cars rather than new. When it came to wanting something that was new, even if it was on sale, he would instead choose to purchase used if in fact he couldn’t...