# VanScoter Insurance Agency > Compare multiple insurance quotes from your local independent insurance agent today. VanScoter Insurance Agency provides auto, home, and business insurance for all of New York. ## Sitemap - [Sitemap](https://www.vanscoterinsurance.com/sitemap.xml): Contains all public and indexable URLs for this website. ## Pages - [Dealership Vehicle Change Request Form](https://www.vanscoterinsurance.com/vehicle-change/): This form is intended for dealerships to request vehicle changes on behalf of our mutual customers. Please complete all fields for faster processing.... - [Inside Sales Representative](https://www.vanscoterinsurance.com/inside-sales-representative/): ALL APPLICATIONS WILL REMAIN CONFIDENTIAL We are a small, locally owned independent insurance agency dedicated to providing personalized service and c... - [Charitable Giving Program](https://www.vanscoterinsurance.com/charitable-giving-program/): At VanScoter Insurance, protecting families goes beyond policies. As a local, family-owned agency in Greece, NY, we’re committed to giving back to the... - [Employment Application](https://www.vanscoterinsurance.com/employment-application/) - [Career Opportunities](https://www.vanscoterinsurance.com/career-opportunities/): Inside Sales Representative ALL APPLICATIONS WILL REMAIN CONFIDENTIAL **Job Overview:** We’re looking for a motivated and personable Inside Sales Repr... - [Schedule an Appointment](https://www.vanscoterinsurance.com/schedule-an-appointment/): Please click the button below to schedule an appointment. You will be redirected to our booking page outside of our website: Schedule Appointment - [Used Car Dealer Insurance](https://www.vanscoterinsurance.com/used-car-dealer-insurance/): While most people are aware that car insurance coverage is required for anyone driving a personal vehicle, the insurance for car dealerships is a litt... - [Dental Office Insurance](https://www.vanscoterinsurance.com/dental-office-insurance/): Today’s business environment is more complex than ever, and you need to know you’re covered for the unexpected occurrence with insurance specific to t... - [Verify Auto Insurance](https://www.vanscoterinsurance.com/verify-auto-insurance/): VanScoter Insurance uses Canopy Connect to verify your current insurance coverage. It takes about 30 seconds to verify and saves us 20 minutes on the... - [Verify Home Insurance](https://www.vanscoterinsurance.com/verify-home-insurance/): VanScoter Insurance uses Canopy Connect to verify your current insurance coverage. It takes about 30 seconds to verify and saves us 20 minutes on the... - [Verify Personal Insurance](https://www.vanscoterinsurance.com/verify-personal-insurance/): VanScoter Insurance uses Canopy Connect to verify your current insurance coverage. It takes about 30 seconds to verify and saves us 20 minutes on the... - [Life Quote Questions](https://www.vanscoterinsurance.com/life-quote-questions/): I’m sorry, but we only assist current clients with their Life Insurance needs. If you have further questions, please call the office at 585-663-2004. - [Schedule Life Quote Meeting](https://www.vanscoterinsurance.com/schedule-life-quote-meeting/): Rhett the owner of VanScoter Insurance Agency handles all the Agency’s Life Insurance inquiries. Please select a time for a quick discovery phone call... - [Insurance Account Representative](https://www.vanscoterinsurance.com/insurance-account-representative/): ALL APPLICATIONS WILL REMAIN CONFIDENTIAL Job description Job Type: Full-time Work Location: In person Pay: $35,000.00 – $40,000.00 per year Ben... - [Insurance Agent](https://www.vanscoterinsurance.com/insurance-agent/): ALL APPLICATIONS WILL REMAIN CONFIDENTIAL Job description Hiring for October 2024 Job Type: Full-time Pay: $51,867 – $60,798/year Benefits: 401(k) mat... - [ERIE’s YourTurn® Rewards Program](https://www.vanscoterinsurance.com/eries-yourturn-rewards-program/): Every year, distracted driving causes thousands of deaths in the U.S. By measuring certain criteria like speeding, braking and phone usage, the YourTu... - [Accessibility Statement](https://www.vanscoterinsurance.com/accessibility-statement/): VanScoter Insurance Agency recognizes the importance of ensuring our website is accessible to those with disabilities. We are committed to making our... - [Thank You](https://www.vanscoterinsurance.com/secure-quote-request/thank-you/): Your information has been submitted. A representative will contact you shortly about your request. - [Thank You!](https://www.vanscoterinsurance.com/thank-you/): Your information has been submitted. A representative will contact you shortly about your request. Thank You! - [FAQs](https://www.vanscoterinsurance.com/support/insurance-resources/faqs/): Get answers to some of our most important commonly asked questions that will help you make good decisions here. Each section is grouped by insurance t... - [Insurance Resources Glossary](https://www.vanscoterinsurance.com/support/insurance-resources/glossary/): This is a list of terms designed to assist you while shopping or learning about insurance. It is not meant to be all-inclusive but should help with yo... - [Write a Review](https://www.vanscoterinsurance.com/write-a-review/): We appreciate you taking the time to share your feedback! - [Secure Staff Contact Form](https://www.vanscoterinsurance.com/secure-staff-contact-form/): We would love to hear from you! Please fill out this form and we will get in touch with you shortly. - [Annual Insurance Review](https://www.vanscoterinsurance.com/support/annual-insurance-review/) - [Refer a Friend](https://www.vanscoterinsurance.com/refer-a-friend/): Thank you for trusting us with your referrals. We promise to give them the same excellent service we have given you! - [Secure Quote Request](https://www.vanscoterinsurance.com/secure-quote-request/) - [Secure Contact Form](https://www.vanscoterinsurance.com/secure-contact-form/): Please complete this form and a member of our team will contact you as soon as possible. - [Home Page](https://www.vanscoterinsurance.com/): Compare multiple insurance quotes from your local independent insurance agent today. VanScoter Insurance Agency provides auto, home, and business insurance for all of New York. - [Insurance Blog](https://www.vanscoterinsurance.com/blog/) - [Auto ID Card Request](https://www.vanscoterinsurance.com/support/auto-id-card-request/): Fill out the following form as completely as possible. Once you have completed the form, click “Submit Card Request” to send your informat... - [Certificate of Insurance Request](https://www.vanscoterinsurance.com/support/certificate-of-insurance-request/): You have the option of requesting Certificates of Insurance on the following electronic form. It is important to include as much information as possib... - [Policy Change Request](https://www.vanscoterinsurance.com/support/policy-change-request/): The following form is provided to you for making changes or requests on your existing policies. By submitting this form you understand that no coverag... - [Copyrights & Privacy Statement](https://www.vanscoterinsurance.com/copyrights-and-privacy-statement/): 1. Authorization of Use VanScoter Insurance Agency (“we,” “us,” or “our”) authorizes you to access and use this website for informational purposes rel... - [Insurance Resources](https://www.vanscoterinsurance.com/support/insurance-resources/): As an insurance customer, you deserve excellent service and information to assist you in choosing the insurance coverage you need to protect your fami... - [File A Claim](https://www.vanscoterinsurance.com/support/file-a-claim/): VanScoter Insurance Agency is here to help you every step of the way to make your claim experience as simple and convenient as possible. - [Online Billing & Payments](https://www.vanscoterinsurance.com/support/online-billing-payments/): VanScoter Insurance Agency makes it convenient to pay your insurance premiums directly with your insurance company. - [Support](https://www.vanscoterinsurance.com/support/): Our support center allows policyholders to request policy changes, report claims, and make payments directly to your insurance company. - [About Us](https://www.vanscoterinsurance.com/about-us/): Compare multiple insurance quotes from VanScoter Insurance Agency today. We're your local independent insurance agency, serving all of New York. ## Posts - [VanScoter Insurance Donates $1,350 to Ronald McDonald House Charities of Rochester](https://www.vanscoterinsurance.com/vanscoter-insurance-donates-1350-to-ronald-mcdonald-house-charities-of-rochester/): We’re excited to share that VanScoter Insurance Agency has donated $1,350 to Ronald McDonald House Charities of Rochester as part of our second quarte... - [June Referral Raffle Winner: Congratulations, Jay Kopaczewski!](https://www.vanscoterinsurance.com/june-referral-raffle-winner-congratulations-jay-kopaczewski/): Congratulations to Jay Kopaczewski, the winner of this month’s VanScoter Insurance Agency $50 Visa gift card referral raffle! Each month, we like to t... - [Demolition Costs: The Hidden Insurance Gap Most Homeowners and Business Owners Don’t Think About](https://www.vanscoterinsurance.com/demolition-costs-the-hidden-insurance-gap-most-homeowners-and-business-owners-dont-think-about/): When most people think about a major property insurance claim, they usually think about the cost to repair or rebuild the damaged home or building. Th... - [Do You Need Rental Car Insurance on Vacation? How Your New York Auto Policy and Credit Card Benefits May Protect You](https://www.vanscoterinsurance.com/do-you-need-rental-car-insurance-on-vacation-how-your-new-york-auto-policy-and-credit-card-benefits-may-protect-you/): Every time you rent a car on vacation, you usually get asked the same question at the rental counter: “Would you like to purchase our insurance covera... - [Watch This Month’s $50 Visa Gift Card Referral Raffle Winner](https://www.vanscoterinsurance.com/watch-this-months-50-visa-gift-card-referral-raffle-winner/): Every month, we like to take a moment to say thank you to the people who continue to refer their friends, family members, neighbors, and coworkers to... - [Glass Coverage: The Auto Insurance Detail Most People Overlook](https://www.vanscoterinsurance.com/glass-coverage-the-auto-insurance-detail-most-people-overlook/): At our agency, one of the most common auto insurance claims we see is also one of the most preventable financial surprises: glass breakage. Windshield... - [Did You Put Your Home in a Living Trust? Don’t Miss This Insurance Step](https://www.vanscoterinsurance.com/did-you-put-your-home-in-a-living-trust-dont-miss-this-insurance-step/): I’ve had this situation come up twice recently, so I thought it was worth talking about. A homeowner works with an attorney to set up a living trust.... - [Monthly $50 Gift Card Winner Announced – Here’s How to Enter](https://www.vanscoterinsurance.com/monthly-50-gift-card-winner-announced-heres-how-to-enter/): 🎉 Our Monthly $50 Gift Card Winner Is In! Each month, we like to have a little fun here at VanScoter Insurance Agency—and more importantly, say thank... - [April Referral Raffle Winner 🎉](https://www.vanscoterinsurance.com/april-referral-raffle-winner-%f0%9f%8e%89/): We just wrapped up our monthly drawing for a $50 Visa gift card as part of our client referral program. 👀 Watch the video below to see if you’re this... - [When Health Insurance Says “No”: Why Some Injuries Around a Vehicle May Need to Go Through Auto Insurance First](https://www.vanscoterinsurance.com/when-health-insurance-says-no-why-some-injuries-around-a-vehicle-may-need-to-go-through-auto-insurance-first/): A recent and tragic Virginia road-rage incident made national headlines after a violent attack following a crash on I-495 left one woman and a dog dea... - [When a Car Crashes Into Your Yard: Who Pays and What Homeowners Need to Know](https://www.vanscoterinsurance.com/when-a-car-crashes-into-your-yard-who-pays-and-what-homeowners-need-to-know/): A recent news story out of Phelps, New York highlights a situation no homeowner ever expects to face — but one that reveals important truths about ins... - [Does Homeowners Insurance Cover Ice Dam Damage in Rochester, NY?](https://www.vanscoterinsurance.com/does-homeowners-insurance-cover-ice-dam-damage-in-rochester-ny/): If you’ve lived through even one winter in Rochester, you’ve probably seen them — long, thick icicles hanging off rooftops all over town. They might l... - [What a Super Bowl Ring Can Teach Us About Jewelry Insurance](https://www.vanscoterinsurance.com/what-a-super-bowl-ring-can-teach-us-about-jewelry-insurance/): Every year around the Super Bowl, we see images of championship rings shared everywhere — massive, custom-designed pieces that represent a lifetime ac... - [Independent Contractor or Employee? Why New York Businesses Are Getting Fined by the Workers’ Comp Board](https://www.vanscoterinsurance.com/independent-contractor-or-employee-why-new-york-businesses-are-getting-fined-by-the-workers-comp-board/): As a business owner, there are certain things you learn to pay attention to over time. For me, one of those things is the court judgments section of t... - [So Much Has Changed Since 2016… But Has Your Insurance?](https://www.vanscoterinsurance.com/so-much-has-changed-since-2016-but-has-your-insurance/): If you had shown me a photo from 2016 and asked me what I was worried about back then, the answer would’ve been pretty simple: diapers, strollers, and... - [Can Extreme Athletes Like Alex Honnold Get Life Insurance?](https://www.vanscoterinsurance.com/can-extreme-athletes-like-alex-honnold-get-life-insurance/): When news broke that Alex Honnold scaled a 101-story building in Taipei — free solo, no ropes — most people reacted the same way: “That’s absolutely i... - [You Pulled a $1,000,000 Sports Card… Now What?](https://www.vanscoterinsurance.com/you-pulled-a-1000000-sports-card-now-what/): A Rochester-based card breaking company, We The Hobby, recently made headlines after pulling a 1-of-1 autographed Cooper Flagg card. Early estimates p... - [TODAY Show Highlights Why Car Insurance Costs Are Rising — and What Drivers Can Do](https://www.vanscoterinsurance.com/today-show-highlights-why-car-insurance-costs-are-rising-and-what-drivers-can-do/): Car insurance rates have increased nearly 30% over the past two years, a trend recently highlighted on the TODAY Show in a segment featuring NBC consu... - [Don’t Let Bad Insurance Coverage Force You Out of Retirement — A New Year Insurance Checklist](https://www.vanscoterinsurance.com/dont-let-bad-insurance-coverage-force-you-out-of-retirement-a-new-year-insurance-checklist/): Phillip Rivers — the former NFL star and grandfather — just came out of retirement at age 44 to start at quarterback for the Indianapolis Colts. That’... - [Hyundai & Kia Theft Settlement: What New York Vehicle Owners Need to Know](https://www.vanscoterinsurance.com/hyundai-kia-theft-settlement-what-new-york-vehicle-owners-need-to-know/): This is welcome news for Hyundai and Kia owners across New York State whose vehicles were stolen. New York Attorney General Letitia James has secured... - [Hit by an Uninsured Driver as a Pedestrian in NY? Your Auto Policy May Still Protect You](https://www.vanscoterinsurance.com/hit-by-an-uninsured-driver-as-a-pedestrian-in-ny-your-auto-policy-may-still-protect-you/): Over the weekend, a Chili resident was struck by a vehicle while walking across the street. Thankfully, their injuries were reported as non-life-threa... - [Loss of Rental Income Coverage: What Every Landlord Needs to Know](https://www.vanscoterinsurance.com/loss-of-rental-income-coverage-what-every-landlord-needs-to-know/): If you own rental property, you’ve likely considered how to protect your investment from damage. But have you thought about what happens to your... - [Why the Rochester Water-Main Break Isn’t Covered by Homeowners Insurance](https://www.vanscoterinsurance.com/why-the-rochester-water-main-break-isnt-covered-by-homeowners-insurance/): When a major water-main break flooded 10 homes in the City of Rochester last week, most residents assumed they could turn to their homeowners insuranc... - [What Rochester Homeowners Need to Know About the Culver Road Water Main Break and Insurance Claims](https://www.vanscoterinsurance.com/what-rochester-homeowners-need-to-know-about-the-culver-road-water-main-break-and-insurance-claims/): On Veterans Day, a major water main break occurred near Culver Road and Meredith Street in Rochester, releasing over 2 million gallons of water into t... - [Getting Married? Don’t Miss These Insurance Savings Opportunities](https://www.vanscoterinsurance.com/getting-married-dont-miss-these-insurance-savings-opportunities/): If you’re recently married or planning a wedding soon, you probably have a checklist of things to do: name changes, combining finances, updating... - [When a 17-Car Accident Happens: Why Minimum Auto Insurance Coverage Isn’t Enough](https://www.vanscoterinsurance.com/when-a-17-car-accident-happens-why-minimum-auto-insurance-coverage-isnt-enough/): The first snowfall of the season has a way of testing all of us here in Western New York. Unfortunately, it didn’t take long this year — within hours... - [🐾 No More “One-Bite” Free Pass for Dogs in New York](https://www.vanscoterinsurance.com/%f0%9f%90%be-no-more-one-bite-free-pass-for-dogs-in-new-york/): For years, New York pet owners had some breathing room under what was known as the “one-bite rule.” It basically meant that if your dog had never show... - [🐶 Does Insurance Cover Your Cloned Dog? (Or Any Pet, for That Matter?)](https://www.vanscoterinsurance.com/%f0%9f%90%b6-does-insurance-cover-your-cloned-dog-or-any-pet-for-that-matter/): Tom Brady made headlines recently for doing something only Tom Brady could pull off — cloning his dog.That’s right: the NFL legend didn’t just get ano... - [What Happens If a Food Contamination Incident Shuts Down Your Restaurant?](https://www.vanscoterinsurance.com/what-happens-if-a-food-contamination-incident-shuts-down-your-restaurant/): 7 dead. 27 sick.Those were the headlines after a recalled pasta meal caused a major health crisis at several grocery chains. As tragic as that story i... - [🚔 When Good Intentions Collide with Coverage: Why an Off-Duty Officer’s Insurance Won’t Pay After a Chase](https://www.vanscoterinsurance.com/%f0%9f%9a%94-when-good-intentions-collide-with-coverage-why-an-off-duty-officers-insurance-wont-pay-after-a-chase/): A recent viral video captured an intense police pursuit ending when an off-duty officer used his personal vehicle to ram a fleeing motorcyclist. The o... - [When a Workplace Conflict Turns Legal: Why Your Business Needs EPLI](https://www.vanscoterinsurance.com/when-a-workplace-conflict-turns-legal-why-your-business-needs-epli/): By VanScoter Insurance | Greece, NY Workplace drama is nothing new — but what happens when that drama crosses a line and lands your business in legal... - [Beware the Home Warranty Scam Letter: What Every Homeowner Should Know](https://www.vanscoterinsurance.com/beware-the-home-warranty-scam-letter-what-every-homeowner-should-know/): Have you received a letter in the mail that looks like it’s from your mortgage company warning you that your home warranty is about to expire? Y... - [How License Plate Readers Are Helping Catch Car Thieves — and Insurance Fraudsters Too](https://www.vanscoterinsurance.com/how-license-plate-readers-are-helping-catch-car-thieves-and-insurance-fraudsters-too/): We’ve got to give some well-deserved credit to the Greece Police Department — they recently recovered a stolen vehicle thanks to something called LPR... - [Dolly Parton, Health Scares & Why Life Insurance Matters Sooner Than You Think](https://www.vanscoterinsurance.com/dolly-parton-health-scares-why-life-insurance-matters-sooner-than-you-think/): Recently, Dolly Parton took to social media to clear up some rumors about her health. While some AI-generated images had people thinking the worst, sh... - [A $10,000 Toy and a $2,500 Insurance Surprise: What You Need to Know About Insuring Collectibles](https://www.vanscoterinsurance.com/a-10000-toy-and-a-2500-insurance-surprise-what-you-need-to-know-about-insuring-collectibles/): Recently, a Labubu figurine — part of the designer toy trend — sold for $10,585. For most people, this might seem like an anomaly. But in the world of... - [Hidden Limits in Your Homeowners Insurance: What You Need to Know](https://www.vanscoterinsurance.com/hidden-limits-in-your-homeowners-insurance-what-you-need-to-know/): When the news broke about Travis Kelce proposing to Taylor Swift, I couldn’t help but think: I really hope he insured that ring properly. Most people... - [What Your Homeowners Insurance Really Covers for Boats—and What It Doesn’t](https://www.vanscoterinsurance.com/what-your-homeowners-insurance-really-covers-for-boats-and-what-it-doesnt/): If you own a boat or plan to purchase one, understanding how your homeowners insurance policy applies to watercraft is an important part of protecting... - [Do College Students Need Renters Insurance? A Parent’s Guide](https://www.vanscoterinsurance.com/do-college-students-need-renters-insurance-a-parents-guide/): It’s an exciting season — college move-in time! Whether you’re loading up the car for a freshman heading to Nazareth University or helping your upperc... - [Full Resumption of Operations Coverage: The Secret to Business Recovery](https://www.vanscoterinsurance.com/full-resumption-of-operations-coverage-the-secret-to-business-recovery/): When I saw the news about a popular restaurant in Genesee County destroyed by fire, one thought immediately came to mind: this is going to take a long... - [When Disaster Strikes: Why Renters Insurance Is More Than Just “Stuff” Coverage](https://www.vanscoterinsurance.com/when-disaster-strikes-why-renters-insurance-is-more-than-just-stuff-coverage/): Earlier this week, a four-alarm fire in Greece, NY displaced several families, including one family of 12 who lost their home and all of their belongi... - [Why Dion Dawkins’ Drifting Hobby (Probably) Isn’t Covered by His Auto Insurance](https://www.vanscoterinsurance.com/why-dion-dawkins-drifting-hobby-probably-isnt-covered-by-his-auto-insurance/): Buffalo Bills offensive lineman Dion Dawkins has a pretty intense hobby off the field — car drifting. If you haven’t seen the clips, he’s out there bu... - [Landlord Fire Safety: 3 Steps to Protect Your Tenants and Your Property](https://www.vanscoterinsurance.com/landlord-fire-safety-3-steps-to-protect-your-tenants-and-your-property/): Recently, a four-alarm fire in our area injured five people and displaced sixteen from their homes. Thankfully, everyone made it out alive, but it’s a... - [Hiring Employees? Here’s What You Need to Know About Workers’ Compensation Insurance in New York](https://www.vanscoterinsurance.com/hiring-employees-heres-what-you-need-to-know-about-workers-compensation-insurance-in-new-york/): Bringing on new employees is an exciting step for any business—it means you’re growing! But before you post that “Now Hiring” sign, there’s something... - [When the Road to Your Business is Blocked—Will Insurance Cover Your Lost Income?](https://www.vanscoterinsurance.com/when-the-road-to-your-business-is-blocked-will-insurance-cover-your-lost-income/): A recent incident on Lehigh Station Road, where a vehicle struck a utility pole and prompted police to block off the area, raises an important questio... - [Understanding Insurance Coverage for Earthquakes and Tsunamis: What Is and Isn’t Included in Your Policy](https://www.vanscoterinsurance.com/understanding-insurance-coverage-for-earthquakes-and-tsunamis-what-is-and-isnt-included-in-your-policy/): Following the recent 8.8 magnitude earthquake near Russia and the resulting tsunami waves, questions about insurance coverage for such catastrophic ev... - [Why Your Home Insurance Replacement Cost May Be Outdated—And What to Do About It](https://www.vanscoterinsurance.com/why-your-home-insurance-replacement-cost-may-be-outdated-and-what-to-do-about-it/): When was the last time you reviewed your home insurance policy? If it’s been more than five years, there’s a good chance the replacement c... - [Thinking About Renting Out Your Pool? Here’s Why It Might Not Be Worth the Risk](https://www.vanscoterinsurance.com/thinking-about-renting-out-your-pool-heres-why-it-might-not-be-worth-the-risk/): With summer in full swing, it’s no surprise that folks are looking for ways to cool off—and maybe make a little extra cash in the process. One trend t... - [Drone Insurance: What Every Homeowner Needs to Know About Coverage](https://www.vanscoterinsurance.com/drone-insurance-what-every-homeowner-needs-to-know-about-coverage/): The Growing Drone Trend Drones have become increasingly popular over the past few years, and it’s easy to see why. From capturing stunning aeria... - [Why You Need Ordinance or Law Coverage on Your Building Insurance Policy](https://www.vanscoterinsurance.com/why-you-need-ordinance-or-law-coverage-on-your-building-insurance-policy/): Recently, a church in Dansville, NY, made headlines after it partially collapsed and had to be demolished. While this was already a tragic and expensi... - [Overpass Danger: Is It a Comprehensive or Collision Claim?](https://www.vanscoterinsurance.com/overpass-danger-is-it-a-comprehensive-or-collision-claim/): Recently, a local driver was shaken when a log was thrown off an overpass and smashed into the headlight of their vehicle. Thankfully, no one was inju... - [Could Your Employee Steal $500,000? Here’s How to Protect Your Business](https://www.vanscoterinsurance.com/could-your-employee-steal-500000-heres-how-to-protect-your-business/): Recently, a former local bank employee made headlines after being accused of stealing nearly $500,000 from the bank’s customers. For any business owne... - [Why Every High-Income Earner Should Consider an Umbrella Insurance Policy](https://www.vanscoterinsurance.com/why-every-high-income-earner-should-consider-an-umbrella-insurance-policy/): The NBA draft always brings excitement, and seeing Cooper Flagg go as the #1 pick is no exception. As he steps into his new role, he’s not just taking... - [What to Do If a Car Crashes Into Your Home: Why Homeowners Insurance Is Your Best Option](https://www.vanscoterinsurance.com/what-to-do-if-a-car-crashes-into-your-home-why-homeowners-insurance-is-your-best-option/): Accidents can happen in the most unexpected ways, like a car crashing into your home. If you ever find yourself in this unfortunate situation, you may... - [The Importance of Medical Payments Coverage in Boat Insurance](https://www.vanscoterinsurance.com/the-importance-of-medical-payments-coverage-in-boat-insurance/): As boating season kicks into full swing, it’s important to take a moment to think about safety—not just on the water but also in terms of your f... - [What Newlyweds Need to Know About Updating Their Insurance](https://www.vanscoterinsurance.com/what-newlyweds-need-to-know-about-updating-their-insurance/): Marriage is an exciting milestone, filled with new beginnings and plenty of changes. As you combine your lives, it’s also the perfect time to take a c... - [Understanding Pollution Liability in Commercial Auto Insurance: Lessons from a Tragic Truck Accident](https://www.vanscoterinsurance.com/understanding-pollution-liability-in-commercial-auto-insurance-lessons-from-a-tragic-truck-accident/): A tragic event in Genesee County serves as a somber reminder of the importance of having the right insurance coverage for commercial vehicles. In this... - [Vehicle Theft and Insurance: Do You Have the Right Coverage?](https://www.vanscoterinsurance.com/vehicle-theft-and-insurance-do-you-have-the-right-coverage/): Vehicle theft is an unsettling reality, and recent incidents serve as a critical reminder of why having the proper insurance coverage is so important.... - [Are You Prepared for a Flood? Essential Insurance Tips for Homeowners](https://www.vanscoterinsurance.com/are-you-prepared-for-a-flood-essential-insurance-tips-for-homeowners/): Flood warnings can cause anxiety for homeowners, especially when severe weather threatens your area. With a flood warning currently in effect from 2:0... - [Innovation in the Dairy Industry: Why Product Liability Insurance Is Essential for Creators](https://www.vanscoterinsurance.com/innovation-in-the-dairy-industry-why-product-liability-insurance-is-essential-for-creators/): The dairy industry is no stranger to innovation, and a recent example comes from a young inventor in Albion who used 3D printing to create a tool desi... - [How to Safeguard Your Dealership from Theft and Rising Insurance Premiums](https://www.vanscoterinsurance.com/how-to-safeguard-your-dealership-from-theft-and-rising-insurance-premiums/): Protect Your Dealership: Tips to Prevent Vehicle Theft Recently, a truck stolen from a local car dealership was used in a crime. Unfortunately, this s... - [Totaled Vehicle? How to Avoid Being ‘Underwater’ on Your Auto Loan](https://www.vanscoterinsurance.com/totaled-vehicle-how-to-avoid-being-underwater-on-your-auto-loan/): When a Totaled Vehicle Leaves You Underwater: How to Protect Yourself Financially At VanScoter Insurance Agency, we recently saw a dramatic accident w... - [Who Pays for Pothole Damage to Your Vehicle? A Guide for Rochester Drivers](https://www.vanscoterinsurance.com/who-pays-for-pothole-damage-to-your-vehicle-a-guide-for-rochester-drivers/):  Potholes can be more than just an annoyance—they can cause real damage to your vehicle. But if your car suffers damage from a pothole, who foots the... - [July $50 Visa Gift Card Raffle](https://www.vanscoterinsurance.com/july-50-visa-gift-card-raffle/) - [A Perfect Example of Why Procedures Are Important for Your Business](https://www.vanscoterinsurance.com/a-perfect-example-of-why-procedures-are-important-for-your-business/) - [March 2024 $50 Visa Gift Card Raffle](https://www.vanscoterinsurance.com/march-2024-50-visa-gift-card-raffle/):  - [Scott Spino Foundation Sock Drive Raffle](https://www.vanscoterinsurance.com/scott-spino-foundation-sock-drive-raffle/) - [4 Alternatives to Homeowner’s Insurance](https://www.vanscoterinsurance.com/4-alternatives-to-homeowners-insurance/) - [When Do You Need a Commercial Auto Policy?](https://www.vanscoterinsurance.com/when-do-you-need-a-commercial-auto-policy/): When do you need a Commercial Auto Policy for a vehicle that you use personally and for business purposes? If the vehicle is Registered and Titled to... - [What’s A Brushing Scam?](https://www.vanscoterinsurance.com/whats-a-brushing-scam/): I received an Amazon package at my office with Allergy Relief medicine. I initially thought that my wife had inadvertently had them shipped to my offi... - [What’s That Alarm For?](https://www.vanscoterinsurance.com/whats-that-alarm-for/): Anyone that’s watched any of my previous videos knows that I’m a big fan of an ounce of prevention. Insurance is great to cover you from the unexpecte... - [File A Windshield Claim on Erie’s Mobile App](https://www.vanscoterinsurance.com/file-a-windshield-claim-on-eries-mobile-app/): I always like it when I’m able to put myself in the shoes of my customers to test your experience. We have a window crack on one of our vehicles and b... - [A Little Fire Safety Tips Never Hurts](https://www.vanscoterinsurance.com/a-little-fire-safety-tips-never-hurts/): A little fire 🔥 safety reminders never hurt anyone. My kids are constantly reminded in school, but we miss out on these helpful reminders when we... - [Rate Increases Not Slowing Down](https://www.vanscoterinsurance.com/rate-increases-not-slowing-down/): I was looking through the Insurance Journal’s October edition and I quickly noticed a trend. 5 of the articles within the first 15 pages were related... - [Employee or Independent Contractor](https://www.vanscoterinsurance.com/employee-or-independent-contractor/): Worker’s Compensation, if you have employees you have to have it, end of story! Every week I look through the Rochester Business Journal and und... - [NYS Move Over Law Expanded](https://www.vanscoterinsurance.com/nys-move-over-law-expanded/): Last week Governor Hochul signed into the law the expanded Move Over Bill. The original law requires drivers to slow down and if possible, change lane... - [You Think You’re Covered But You’re Really Not](https://www.vanscoterinsurance.com/you-think-youre-covered-but-youre-really-not/): This is one of the most common mistakes I see when people insure their business contents/tools & equipment. Most business owners will review their... - [Should I File A Claim On My Auto Insurance If I’m Not-At-Fault?](https://www.vanscoterinsurance.com/should-i-file-a-claim-on-my-auto-insurance-if-im-not-at-fault/):   Deciding whether to file a claim on your auto insurance or against the at-fault driver’s insurance can be a complex decision, and there a... - [Can I Drive My Deceased Parent’s Car?](https://www.vanscoterinsurance.com/can-i-drive-my-deceased-parents-car/): As with the majority of these what if scenarios, my answer is maybe! I would advise against it unless you have permission from the executor of the est... - [Do you need GAP Insurance?](https://www.vanscoterinsurance.com/do-you-need-gap-insurance/): GAP (Guaranteed Asset Protection) insurance is designed to cover the “gap” between the actual cash value (ACV) of your vehicle and the rem... - [Do I Need Loss of Income Coverage On My Truck?](https://www.vanscoterinsurance.com/do-i-need-loss-of-income-coverage-on-my-truck/): This is an often-overlooked coverage. Probably because it doesn’t apply to a wide range of businesses. Most businesses wouldn’t experience a loss of i... - [Homeowner’s Insurance Companies Are Clamping Down!](https://www.vanscoterinsurance.com/homeowners-insurance-companies-are-clamping-down/): Insurance Companies are not immune to inflationary pressures and are losing money because it takes longer and costs more to repair a home. They are al... - [Don’t Overpay For Workers Compensation Insurance](https://www.vanscoterinsurance.com/dont-overpay-for-workers-compensation-insurance/): If your business has employees, you know or hopefully you know that New York State requires that you have Workers Compensation Insurance to cover your... - [If a friend borrows my car and has an accident, does it go against my Car Insurance?](https://www.vanscoterinsurance.com/if-a-friend-borrows-my-car-and-has-an-accident-does-it-go-against-my-car-insurance/): Many people assume that the driver of the car would be responsible for the accident since they were the one driving and in control of avoiding or caus... - [How Long Do You Have to File a Claim on Your Homeowner’s Insurance?](https://www.vanscoterinsurance.com/how-long-do-you-have-to-file-a-claim-on-your-homeowners-insurance/): A Homeowner’s Insurance Policy is a legal contract between you and your Insurance Company. In return for your premium payment your Insurance Company i... - [Is That Plane Taking A Picture of My House?](https://www.vanscoterinsurance.com/is-that-plane-taking-a-picture-of-my-house/): The short answer is yes! The next question is why is that plane taking photos of my house and who told them to do it? Let’s answer the second part of... - [Want to protect your Business Insurance premium from increasing due to a claim? Do this!](https://www.vanscoterinsurance.com/want-to-protect-your-business-insurance-premium-from-increasing-due-to-a-claim-do-this/): One of the most effective ways to protect your Business Insurance from a potential claim is to require anyone providing a service to your business to... - [Graduating From College?](https://www.vanscoterinsurance.com/graduating-from-college/): Graduating from college is a significant milestone in a student’s life, and it marks a transition from being a dependent to being an independent... - [Does Your Business Have Multiple Locations? You’ll Want To Do This!](https://www.vanscoterinsurance.com/does-your-business-have-multiple-locations-youll-want-to-do-this/): Does your business have multiple locations? I’m going to share with you one of my favorite ways to provide my clients with extra coverage. When you ha... - [The Ugly Truth About Towing Claims](https://www.vanscoterinsurance.com/the-ugly-truth-about-towing-claims/): Why would the Insurance Company offer me Towing and Roadside Service Coverage if they don’t want me to use it??? The truth is that they don’t want you... - [Did You Have Trouble Getting Homeowner’s Insurance Because of Your Dog?](https://www.vanscoterinsurance.com/did-you-have-trouble-getting-homeowners-insurance-because-of-your-dog/):   Prior to January 2022 if you had one of the breeds of dogs on an Insurance Companies prohibited dog list, you may have found it difficult to ob... - [My Homeowner’s Insurance Covers Earthquakes…Right?](https://www.vanscoterinsurance.com/my-homeowners-insurance-covers-earthquakes-right/): With the recent earthquake that our neighboring city Buffalo experienced, we’ve been getting asked by clients if their Homeowner’s Insurance Policy co... - [How Long Can You Stay on Your Parents’ Car Insurance?](https://www.vanscoterinsurance.com/how-long-can-you-stay-on-your-parents-car-insurance/): The good news is that there is no age limit that will require you to get your own car insurance. As long as you live in your parents’ home and drive a... - [Warmer and Wetter Than Normal February](https://www.vanscoterinsurance.com/warmer-and-wetter-than-normal-february/):   I was watching the national weather forecast this morning and they were predicting a warmer and wetter February this year due to La Nina. I’m l... - [Is Your Business Property Covered Away From Your Location?](https://www.vanscoterinsurance.com/is-your-business-property-covered-away-from-your-location/): If you set up a table or tent at an event to sell/display your products, is your Business Property covered while it is away from the insured location... - [What To Keep in Your Car in Case of Emergency](https://www.vanscoterinsurance.com/what-to-keep-in-your-car-in-case-of-emergency/): We recently had the unfortunate incident of getting a flat tire. Christine was driving to pick up Jack from wrestling, it was dark and raining and she... - [NY Auto Insurance Rate Changes](https://www.vanscoterinsurance.com/ny-auto-insurance-rate-changes/): We received yet another notice that one of our Auto Insurance companies is increasing their auto rates. We never like to receive these notices. As the... - [This Endorsement Makes Loss of Income Even BETTER!](https://www.vanscoterinsurance.com/this-endorsement-makes-loss-of-income-even-better/): If you have a Business Owner’s Insurance Policy (BOP), you most likely have Loss of Income Coverage automatically included in your policy. This covera... - [November Monthly Raffle](https://www.vanscoterinsurance.com/november-monthly-raffle/): https://youtube.com/shorts/cy0coqWftZo?feature=share We’re raffling off a $50 Visa gift card! Thank you to everyone for their referrals. Remembe... - [Are You Online Shopping Safely?](https://www.vanscoterinsurance.com/are-you-online-shopping-safely/): I prefer to support local businesses and actually go into a store to shop, but sometimes you just can’t beat the convenience, selection and price of b... - [What To Include In Your Snow Removal Log?](https://www.vanscoterinsurance.com/what-to-include-in-your-snow-removal-log/):   Keeping a snow removal log is critical in defending slip and fall claims during the winter season. Once the snow hits, we know that we will be... - [The Truth, The Whole Truth](https://www.vanscoterinsurance.com/the-truth-the-whole-truth/): Meemic Insurance Company v. Jones – Michigan Supreme Court – June 14, 2022 – No. 161865   Jones purchased a Homeowner’s Insurance policy from Mee... - [Leasehold Improvements – An Overlooked Coverage](https://www.vanscoterinsurance.com/leasehold-improvements-an-overlooked-coverage/): When a business leases a new space there is usually some renovation that needs to be done to accommodate the business’ needs. It can be a minor renova... - [NYS Legalized Marijuana…Kind Of](https://www.vanscoterinsurance.com/nys-legalized-marijuana-kind-of/): New York State recently legalized adult use of cannabis or marijuana. Adults aged 21 and over are allowed to posses up to 3 ounces of cannabis or 0.85... - [September Monthly Raffle](https://www.vanscoterinsurance.com/september-monthly-raffle/): Remember, if you want to be next month’s winner, all you have to do is refer a friend to our Agency. We’ll send you a $10 Wegmans gift car... - [Have You Taken This Step?](https://www.vanscoterinsurance.com/6273-2/): We have discussed Life Insurance in other videos, which is one of the foundational components of any estate plan. The other foundational building bloc... - [Most Businesses Set It and Forget It](https://www.vanscoterinsurance.com/most-businesses-set-it-and-forget-it/): I’ve found that most small businesses set a limit for their Business Property when they first purchase their Insurance Policy and then never update it... - [Even Your Insurance Agent Has Claims](https://www.vanscoterinsurance.com/even-your-insurance-agent-has-claims/): Yes, even your Insurance Agent has claims. Check out the video on my recent glass repair/replacement claim. I must say that the process went smoother... - [Rise In Catalytic Converter Theft – An Ounce Of Prevention](https://www.vanscoterinsurance.com/rise-in-catalytic-converter-theft-an-ounce-of-prevention/):   We have seen an increase in thefts of catalytic converters. The rise in the value of precious metals used in the converters has spurred the inc... - [We Don’t Talk About This Much](https://www.vanscoterinsurance.com/we-dont-talk-about-this-much/):   This is a topic we don’t bring up very often because it’s not the main focus of our business. Our primary business is helping people find the b... - [Is Your Baby Headed Off To College?](https://www.vanscoterinsurance.com/is-your-baby-headed-off-to-college/): Sending a child off to college for the first time is exciting and nerve racking at the same time. It’s expected for people to get wrapped up with ever... - [3rd Quarter Charity – R Community Bikes](https://www.vanscoterinsurance.com/3rd-quarter-charity-r-community-bikes/): If you’d like to learn more about R Community Bikes visit their website: https://rcommunitybikes.org/ If you’d like to schedule a pickup o... - [How’s Your Liability Insurance?](https://www.vanscoterinsurance.com/hows-your-liability-insurance/): Have you ever rented a water slide or bounce house for party? When you sign the contract with the company you release them from all liability. That me... - [Prepare Your Home For Vacation](https://www.vanscoterinsurance.com/prepare-your-home-for-vacation/):   Vacation is for fun and relaxation. If you plan on being away from your home for an extended period here are some tips to prepare your home for... - [Sneak Peek: What I Look For When I Review A Business Insurance Policy](https://www.vanscoterinsurance.com/sneak-peek-what-i-look-for-when-i-review-a-business-insurance-policy/):   When I review a Business Insurance Policy there are some major coverages that I look at first before I get into the nitty gritty of the policy.... - [Would Your House Pass an Insurance Home Inspection?](https://www.vanscoterinsurance.com/would-your-house-pass-an-insurance-home-inspection/): Sometimes people are surprised that the insurance company will send someone out to inspect their home. Insurance Companies are putting a lot of money... - [Should You Buy The Rental Car Company’s Insurance?](https://www.vanscoterinsurance.com/should-you-buy-the-rental-car-companys-insurance/): I’ll give you my professional and personal opinion. My professional opinion is to purchase the rental car insurance. If you have an Auto Insurance Pol... - [You Don’t Need To Pay For This](https://www.vanscoterinsurance.com/you-dont-need-to-pay-for-this/): Is The Entire Cost Of Your Windshield Replacement Covered? Your windshield is an important safety feature of your car. Insurance Companies want to mak... - [Did you know when you purchase a Workers Compensation Policy, you actually need to purchase 2 policies?](https://www.vanscoterinsurance.com/did-you-know-when-you-purchase-a-workers-compensation-policy-you-actually-need-to-purchase-2-policies/): Did you know when you need to purchase a WC policy, you need to actually purchase 2 policies? What most business owners don’t realize is when it’s tim... - [Is Your Homeowner’s Claim Covered?](https://www.vanscoterinsurance.com/is-your-homeowners-claim-covered/): Is your personal property claim covered? This is a question we get a lot! As with most of my answers, it depends. It depends on the type of covered pe... - [Want A Smoother Claims Process?](https://www.vanscoterinsurance.com/want-a-smoother-claims-process/): Having an auto accident is never fun! I wanted to give you a quick tip to make this process a little smoother for you. The caveat being that you can t... - [January 2022 Raffle](https://www.vanscoterinsurance.com/january-2022-raffle/):  The snow didn’t stop us from doing our Monthly Raffle for a $50 Visa Gift Card. Remember, if you want to be next month’s winner, all you... - [December 2021 Monthly Raffle](https://www.vanscoterinsurance.com/december-2021-monthly-raffle/):   Check out this month’s monthly raffle winner of a $50 Visa gift card! - [Have A Dog Breed That’s Prohibited By Insurance Companies? Not Anymore!](https://www.vanscoterinsurance.com/have-a-dog-breed-thats-prohibited-by-insurance-companies-not-anymore/): NYS Senate Bill S4254 goes into effect January 28th, 2022 and prohibits Insurance Companies from refusing to issue or renew, cancel or charge or impos... - [We Packed A Lot Into This One!](https://www.vanscoterinsurance.com/we-packed-a-lot-into-this-one/): A Little Excited! These 4 were super excited for Christmas this year. We had a Christmas Eve get together with Christine’s family and mine, so t... - [Balloons, school and horse betting](https://www.vanscoterinsurance.com/balloons-school-and-horse-betting/): School, Balloons, NYS Fair & Horse Betting! That’s it!  Summer’s a wrap!  Back to school for Kaci, Jack and Riley.  It’s Ryan... - [Does Your College Student Need Renter’s Insurance?](https://www.vanscoterinsurance.com/does-your-college-student-need-renters-insurance/) - [7 Things You’re Probably Doing Wrong With Your Insurance](https://www.vanscoterinsurance.com/7-things-youre-probably-doing-wrong-with-your-insurance/) - [Happy 4th!](https://www.vanscoterinsurance.com/happy-4th/): Summer is here! No bathing suit needed for Ryan.  He saw a pool and there was no stopping him, he was getting in!  Ryan got his first hair cut in June... - [Do You Know About MOPS?](https://www.vanscoterinsurance.com/do-you-know-about-mops/): A Need For Speed! Andrea, Marianne and I went go-cart racing this month at RPM Raceway for a fun team activity.  Those go-carts fly!  If you have a ne... - [Where Did The Year Go?](https://www.vanscoterinsurance.com/where-did-the-year-go/): Where Did The Year Go? Ryan turned 1 in March!  This last year was a complete blurr for us.  it seems like we were just taking him home from the hospi... - [November FREE Night Out Raffle](https://www.vanscoterinsurance.com/november-free-night-out-raffle/): Greetings! Thanksgiving Food Basket Drive Thank you to everyone that donated food for our Thanksgiving food basket drive.  It was a great success.  We... - [Alexa can do everything!](https://www.vanscoterinsurance.com/alexa-can-do-everything/): Travelers has added new skills to Alexa.  If you have an Amazon Echo device and Travelers Insurance, you can get home safety tips, find out billing in... - [Thanksgiving food basket drive and October’s Free Night Out Raffle](https://www.vanscoterinsurance.com/thanksgiving-food-basket-drive-and-octobers-free-night-out-raffle/): Greetings! I hope everyone had a great Halloween. We had a Zombie Prom Queen, a Hacker, Owlett from PJ Masks, and a Chicken. The kids covered some ser... - [September FREE Night Out Raffle](https://www.vanscoterinsurance.com/september-free-night-out-raffle-2/): Greetings!We have some exciting news at the office…or at least what we think is exciting as insurance agents.  We are able to send and receive t... - [Even Your Insurance Agent has bad luck sometimes](https://www.vanscoterinsurance.com/even-your-insurance-agent-has-bad-luck-sometimes/): Greetings!Yes, even I can’t avoid the occasional bad luck.  My goal was to get up early today, to get a jump on my Friday before the long weeken... - [July 2018 Monthly FREE Night Out Raffle](https://www.vanscoterinsurance.com/july-2018-monthly-free-night-out-raffle/): Greetings!I hope you had a great July.  We were able to escape for a long weekend and headed to Boston.  It was the first time traveling a long distan... - [June FREE Night Out Raffle Winner](https://www.vanscoterinsurance.com/june-free-night-out-raffle-winner/): Welcome summer!  The kids are out of school and they are already enjoying their summer break.  Jack finished up a fun season of T-ball and wants to go... - [May’s FREE Night Out Raffle](https://www.vanscoterinsurance.com/mays-free-night-out-raffle/): Greetings! I hope you had a great May!  We had a fun and busy May.  We took advantage of the great weather on Mother’s day and went to a park an... - [March & April FREE Night Out Raffle Email](https://www.vanscoterinsurance.com/march-april-free-night-out-raffle-email/): Greetings!   We went straight from winter to summer, at least that’s how it felt for me.  April was a blur for us.  Ryan Gary was born on his du... - [Baby Scooter Baby Pool #4…And Final!](https://www.vanscoterinsurance.com/baby-scooter-baby-pool-4-and-final/): Loading… - [February’s FREE Night Out Raffle](https://www.vanscoterinsurance.com/februarys-free-night-out-raffle/): Greetings!  This is the month that my family has  been waiting for…baby #4 is due March 29th.  We took our first road trip in our minivan to Spl... - [January 2018 FREE Night Out Raffle](https://www.vanscoterinsurance.com/january-2018-free-night-out-raffle/): Greetings!Punxsutawy Phil saw his shadow, so we have 6 more weeks of winter.  I’m not too disappointed this year though, because I got a hand me... - [November’s FREE Night Out Raffle Winner](https://www.vanscoterinsurance.com/novembers-free-night-out-raffle-winner/): Greetings!  I hope you had a great Thanksgiving.  We had a fun time at my sister’s and after dinner we moved right into the Christmas season.  M... - [October FREE Night Out Raffle Winner](https://www.vanscoterinsurance.com/october-free-night-out-raffle-winner/): Greetings! October was a fun month for us.  We had Riley’s 2nd birthday…it was the night that the lights went out from the windstorm, but... - [September FREE Night Out Raffle](https://www.vanscoterinsurance.com/september-free-night-out-raffle/): Greetings! I can’t believe how quickly September has come and gone.  I can tell this school year is going to fly by for us.  Kaci and Jack have... - [Living it up Rochester style!](https://www.vanscoterinsurance.com/living-it-up-rochester-style/): Greetings!I hope you’re enjoying your summer.  We have been living it up Rochester style this summer with season passes to Seabreeze and we boug... - [June’s FREE Night Out Raffle Winner](https://www.vanscoterinsurance.com/junes-free-night-out-raffle-winner/): Greetings! I was checking the weather for the 4th this morning and as of now, it looks like it is going to be a great day 77 degrees and mostly sunny.... - [May FREE Night Out Raffle Winner and $25 Wegman’s Gift card winner](https://www.vanscoterinsurance.com/may-free-night-out-raffle-winner-and-25-wegmans-gift-card-winner/): I know that I usually give you updates about the kids, but the big update this month was that Christine and I got out for a date night without the kid... - [April 2017 FREE Night Out Raffle](https://www.vanscoterinsurance.com/april-2017-free-night-out-raffle/): Greetings! Thank you for your business and your referrals.  I am hoping you can help us out.  I promise, it won’t take much of your time at all.... - [March’s FREE Night Out Raffle](https://www.vanscoterinsurance.com/marchs-free-night-out-raffle/): Friend – March was a big month for Jack.  He has his first loose tooth and competed in Master Kim’s Super Cup Tae Kwon Do tournament.  Jac... - [February 2017 FREE Night Out Raffle Email Blast](https://www.vanscoterinsurance.com/february-2017-free-night-out-raffle-email-blast/): Friend – We’ve had some extreme weather this last week with the wind storm followed by the snow.  Luckily, we did not lose power at the of... - [Is Your Employer-Provided Life Insurance Enough? What You Should Know](https://www.vanscoterinsurance.com/article/is-your-employer-provided-life-insurance-enough-what-you-should-know): Employer-provided life insurance, often called group life insurance, is a policy your employer purchases to cover you and sometimes your dependents. I... - [When Should I Call My Insurance Agent?](https://www.vanscoterinsurance.com/article/when-should-i-call-my-insurance-agent-2): An insurance agent isn’t just someone who can sell you a policy. Whether you have a question about your coverage, need to file a claim or change your... - [​What to Do After a Hit and Run​](https://www.vanscoterinsurance.com/article/what-to-do-after-a-hit-and-run): Getting in a car accident is enough to ruin anyone’s day. But if you’re involved in a hit-and-run, the experience can be especially disorienting... - [General Liability Insurance 101: A Foundation for Every Small Business](https://www.vanscoterinsurance.com/article/general-liability-insurance-101-foundation-for-every-small-business): If you own a small business, you’ve likely heard that general liability insurance is something you should have. But what exactly does it cover,... - [Back-to-School Season: Does Your Auto Insurance Cover a Teen Driver?](https://www.vanscoterinsurance.com/article/back-to-school-season-does-your-auto-insurance-cover-teen-driver): Every August, millions of families prepare for back-to-school, and for households with a newly licensed teen, that checklist includes an important que... - [Understanding Life Insurance Beneficiaries: How to Choose and When to Update](https://www.vanscoterinsurance.com/article/understanding-life-insurance-beneficiaries-how-to-choose-and-when-to-update): When you purchase a life insurance policy, one of the most important decisions you’ll make is choosing who will receive the policy’s death... - [Commercial Auto Insurance: What Business Owners Should Know About Covering Company Vehicles](https://www.vanscoterinsurance.com/article/commercial-auto-insurance-what-business-owners-should-know-about-covering-company-vehicles): Whether your business relies on a single work truck or a fleet of delivery vans, the vehicles you use for business purposes likely need more than a st... - [Renters Insurance: The Affordable Coverage Most Renters Don't Know They're Missing](https://www.vanscoterinsurance.com/article/renters-insurance-affordable-coverage-most-renters-dont-know-theyre-missing): If you rent your home, apartment, or condo, you may assume that your landlord’s insurance policy protects your belongings. 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This day, kno... - [What Is a Business Owner's Policy (BOP) and Is It Right for Your Business?](https://www.vanscoterinsurance.com/article/what-is-a-business-owners-policy-bop-and-is-it-right-for-your-business): If you own a small or medium-sized business, you’ve probably heard the term “Business Owner’s Policy” or BOP. It’s one o... - [Summer Road Trips and Your Auto Insurance: What Every Driver Should Know](https://www.vanscoterinsurance.com/article/summer-road-trips-and-your-auto-insurance-what-every-driver-should-know): School is out, the days are longer, and millions of Americans are gearing up for summer road trips. Before you load up the car and point it toward the... - [Could Your Business Keep Going After a Temporary Shutdown?](https://www.vanscoterinsurance.com/article/could-your-business-keep-going-after-a-temporary-shutdown): A storm damages your building. A pipe bursts overnight. A small fire forces you to close for repairs. 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