Whether it’s your first car, second home or third child, we can recommend the coverage that best utilizes and protects your assets.
- What events could jeopardize your family’s finances?
- What could threaten your assets or your earning ability?
- How have you prepared to handle those events if they should occur?
We can help you develop a personal insurance plan to protect the people you care about and give you peace of mind. Without a plan:
- You may be over-insured in some areas and underinsured in others.
- You may be unaware of the risks to which you are exposed
- You may be insuring risks that are more emotional than financial in nature.
Our insurance professionals can help you:
- Identify those events which pose a financial risk to you or your family
- Determine which methods you are currently using to manage your risks
- Identify gaps in your current insurance plan
Our goal is to provide you with adequate insurance at a competitive price.
Young drivers are expensive to insure. Such drivers, particularly teenagers, frequently cause traffic accidents because of their lack of experience and the fact that, due to their youth, they tend to be distracted, risky drivers. If your household is about to add a new driver, make sure that he or she understands that, besides endangering themselves and others, poor driving habits can result in higher premiums or a canceled policy. Here are some methods to help minimize the cost of a new driver:
- Have your child complete a driver training class. The class’ cost is easily offset by lower insurance premiums. You also gain a more competent young driver.
- Ask your insurer if it gives discounts to students with good grades.
- Urge….URGE against texting and driving
- Find a company that charges a rate according to the car your new driver usually drives instead of assigning him or her to the most expensive vehicle.
- Try to discourage or delay your child’s driving to school. Insurers charge a lower premium for less frequent driving.
- Build a long-term relationship with your insurer. Some companies reward longevity by forgiving a driver’s first accident or minor traffic violation.
- Increase your physical damage deductibles or, for older vehicles, eliminate this coverage.
- If your child owns a vehicle, he or she should have a separate policy. However, if you share the cost of the car and its insurance, it may make sense to also own or co-own the vehicle. Your ownership interest lets you take advantage of a multiple-car discount.
- Think carefully about giving a young driver his or her own car. Coverage for young drivers who have full-time access to a vehicle is very expensive. Make sure you balance the considerations of convenience, cost and safety.
Don’t pursue lower premiums blindly. It’s important that your young driver is protected from the financial consequences of causing a serious accident. Further, you may need to protect yourself since you could also be sued for an accident caused by your son or daughter. You might consider getting higher limits of liability by purchasing an umbrella policy. Talk to an insurance professional about more strategies to keep your new driver affordable.
Keith is a Border City native, a graduate of Waterloo High School, and attended Broome Community College where he was a business management major. Keith holds New York State insurance licenses in Property & Casual and Life/Accident & Health. He also holds a Series 6 Securities license and currently works with both commercial and personal line clients.
Keith is a member of the Business Networking Group of Rochester and is a supporter of Habitat for Humanity and the Leukemia & Lymphoma Society. Keith is a former assistant golf professional at various country clubs across the US, including the local Seneca Falls Country Club, and most recently worked as a financial consultant with Smith Barney in the Binghamton area.
Keith and his wife, the former Staci Evans, a Contract Manager for ITT Space Systems, have a two year old son and reside in Victor.
Mr. Hovey began his career as a life insurance agent in 1975 with MetLife. Within 2 years he acquired a license to sell and service property and casualty insurance, Mr. Hovey continues to serve the needs of the agency through the sales and service of life, health, disability, personal auto and home, and commercial property and casualty insurance.
Mr. Hovey holds the Life Underwriter Training Council Fellow designation.
Mr. Hovey is veteran of the United States Army, and New York Army National Guard, retiring in 1996 after 22 years of service. He is veteran of the Vietnam Conflict. He is a member of both the American Legion, and Veterans of Foreign Wars.
Mr. Hovey currently is Director of the Ontario ARC Foundation, Director of Geneva Community Projects and a director of Lakeview Community Resources, as well as an elder in the Presbyterian Church in Geneva, NY. He is a past President of the Kiwanis Club of Geneva, and past Director of Geneva Youth Hockey.
He is married to the former Doreen Kotlowski, and the father of 2 grown children, and 3 grandchildren.
John has been licensed as property and casualty agent and broker since 1972, and is experienced in all lines of insurance with a concentration on commercial and municipal clients. In addition, John has been the risk manager for Ontario County since 1987. John is a Certified Public Entity Risk Manager. He is also a NYS Certified Commercial General Appraiser.
John is a graduate of St. John Fisher College. He is a member of the Hydrant Hose Co. No. 1, Geneva Country Club, Sons of the American Legion, the Appraisal Institute, Public Risk Management Association, and the Greater Rochester Board of Realtors.
John is a past president of the Associated Insurors of Geneva and a past president of Geneva Youth Hockey. He currently serves of the following boards: Finger Lakes Community Development Corp., Lewis St. Development Corp., and Lake Area Development Corp. Previous board affiliations include: Geneva Storefront Inc., Salvation Army, Geneva Free Library, Geneva Day Care Center, Geneva Family YMCA, Finger Lakes Board of Realtors, and Geneva Fair Horizons Commission.
John is married to the former Yvonne Smith, and the father of six children, and 6 grandchildren.
Dan is a Geneva native, a graduate of DeSales High School and Bowling Green State University. He holds a Bachelor of Science Degree from Bowling Green where he was a business administration major with a concentration in Insurance. He also did post graduate study at The College of Insurance in New York City and at the School for Mutual Insurance Agents located at Oberlin College. He is a United States Air Force veteran.
Dan holds both agent and broker licenses for Property & Casualty and also has a Life license in New York State. He also holds Property & Casualty licenses in Pennsylvania and Florida. He works with both commercial and personal lines clients.
Dan is a past president of the Kiwanis Club of Geneva. He is a past president of the Geneva United Way and directed the annual fund raising campaign. He has served on several local boards including Geneva Scholarships, The Geneva Family YMCA and The Geneva Theatre Guild. He is a member of the American Legion and Geneva Lodge 2397, Order Sons of Italy in America.
He has won several Theatre Association of New York acting awards for his work with the Geneva Theatre Guild and sings with the Hobart & William Smith community chorus.
Dan and his wife, the former Paula Smolski, a teacher in the Seneca Falls School District, are the parents of three grown children and grandparents of three.
Ed is a native of Waterloo and a graduate of Waterloo High School. He holds a Bachelor of Science Degree from Centenary College of Louisiana with a major in business administration and a minor in economics.
Ed maintains both the agents and brokers license for Property & Casualty and also has a Life and Health license in New York State. He provides professional services for both personal and commercial clients.
Ed currently serves as a board member for the Finger Lakes Health Foundation and Waterloo Educational Foundation. He is a past board member at Seneca Falls Country Club. He has also served on committees for the Boys and Girls Club, Seneca County Chamber of Commerce and the Waterloo School District. Ed has also volunteered his time as a coach for Waterloo youth athletics since 1989.
Ed and his wife, Jill Perry, reside in Waterloo. Jill is a product manager for Gould Pumps, ITT. They have two daughters, Emily and Jacqueline.
Charlie was born in Lyons, NY, a graduate of Lyons High School. He holds a Bachelor of Science Degree from Northeastern University where he was an Economics major. He worked in the international marketing department for Putnam Investments after graduation. He also worked as a statistical analyst for the Massachusetts Department of Labor before moving back to the Finger Lakes area in 2004. In 2004, Charlie became licensed for property and casualty insurance and a principal in the Cristaldi Bartishevich Agency. He served as President of the agency for four years before merging with Finger Lakes Partners. Charlie is a past president of the Geneva Rotary Club and is a sitting board member. Charlie, his wife Magdalena and their sons Sebastian and Dominik reside in Ithaca.