Adirondack Mountain Photo courtesy of Brian Lansing

SUMMER 2020

Insurance for all your life adventures

Boating, fishing, swimming, hiking, biking, camping, golf, all forms of outdoor recreation are great summer activities. We hope everyone enjoys all New York has to offer in the summer.  Please call to make sure your summer fun has the right insurance 315-437-5191.

CORONA VIRUS / COVID-19 INFORMATION

NOTICE PURSUANT TO AMENDED 11 N.Y.C.R.R. 229.5

 

Dear Insurance Customer,

 

            We hope that this message finds you and those around you safe and healthy. 

 

            These are difficult times. The New York Legislature and Department of Financial Services have been implementing emergency measures in an effort to protect insurance policyholders who have been hit with financial hardship because of the COVID-19 pandemic.  Regulations they enacted include: the waiver of late fees; the prohibition on reporting negative data to credit reporting agencies; and the repayment of late premiums over a 12-month period.  Please note, this is not a waver and you will still need to pay over time on top of the regular future premiums so please only use this if necessary.

 

If you have been impacted by this pandemic, this means help may be available.  We at the agency can’t make the arrangements for you but each insurance company has set up a phone number to call to discuss this option. That number is available on their website or by call this agency.

 

  • If you can demonstrate that you’re unable to make a timely premium payment due to financial hardship because of the COVID-19 pandemic, you may pay such premium over a 12-month period.

 

  • If your policy is financed through a premium finance agency, they must provide a grace period before cancelling your policy for late payment of an installment if you can demonstrate financial hardship because of the COVID-19 pandemic. This grace period will be 60 days for a property/casualty policy; 90 days for a life insurance policy. You will be given a 12-month period to pay the missed installment, and the premium finance agency may not impose late fees or report you to any credit reporting agency or debt collector because of that installment.

 

You may prove hardship by submitting a written attestation to the insurance company or premium finance agency regarding your financial hardship resulting from the COVID-19 pandemic.  The full text of the relevant regulations can be read here: https://www.biginy.org/nysdfs.

 

If you have any questions about this or your policy, don’t hesitate to contact our team. We’re proud to continue helping you protect what matters most.

 

Stay safe,

David Lansing

Lansing Insurance

 

“Welcome”

Thank you for visiting our website.  We believe knowing our customers on an individual basis allows us to provide the best possible service.  As an independent agency we work with your best interest in mind and we work with companies that have proven over time to offer outstanding claim service for our customers. 

 

This website provides a brief description of the products we offer and important claim contact information for our companies.  We are happy to assist you and always happy to hear from you when you call or stop by.  If you would like more information about the products we offer please give us a call.  We offer low prices along with personal local service to help you understand what you are buying. Not all insurance is right for you we but we can help you find what you need.

 

Location Information

David W. Lansing
Lansing Insurance
500 N Center St., PO Box 86
East Syracuse, NY 13057
Phone 315-437-5191
Fax 315-437-5372
Helpful Hints

COVERAGE FOR SPECIAL PROPERTY

Most new homeowner policies have a $500 or $1,000 deductible.  If you have items like computers or photography equipment that you want covered with a low or no deductible we can easily and inexpensively add special coverage for those classes of property so they are covered below the policy deductible.  Think of this for students.  This is available also for things like jewelry, furs, silverware, fine arts and more.    

 

Boats, Yachts, & Personal Watercraft

It’s time to get back out on the water.  Fishing, Skiing, having fun.  Please enjoy the vast opportunities we have on our lakes, rivers, and streams but be safe, follow the Rules of the Road and I encourage everyone to take a Boater Safety Course to help make boating safer for everyone.   

 

HEADING TO COLLEGE

before you head off to college please remember to call and review how college can affect your insurance needs.  You may or may not need to make changes but the only way to know is a quick call to review.  Every situation is different and must be looked at individually.   
 
FLOOD INSURANCE EXCLUSION
Homeowner insurance policies exclude flood damage.  In most cases flood insurance is available and we can help arrange coverage for you.  If you are in a preferred zone you may be eligible for a low preferred rate.  Call us if you are interested in flood insurance today.  In most cases there is a 30 day waiting period before coverage can help so please call today.   
  
SAVE MONEY-TAKE DEFENSIVE DRIVING

Save money on your car insurance by taking an authorized defensive driving course.  Many are available locally and on-line.  Check our Defensive Driving page for more detail.