Umanoff-Boyer Agency - Nationwide Insurance

09/22/2026

Can you believe there are only 100 days left in the year? Before the final stretch gets away from you, it is worth pausing to ask one simple question: has your life changed this year?

A new car, a home purchase, a career change — these are the kinds of milestones worth celebrating. They are also the kinds of changes that can quietly create gaps in your insurance coverage if your policies have not kept up.

Here are some of the most common life events that can affect your coverage:

✅ You bought a new home or renovated your home. A new home purchase or extensive renovations require coverage that reflects the property's true replacement cost, not just its market value.

✅ You purchased a new car. Purchasing a new car is a change that always merits a check-in about your insurance coverage, especially if you purchased a car worth more than the vehicle you were previously driving.

✅ Your family or household situation changed. Marriage, divorce, welcoming a new child, adding a teen driver, sending a child off to college, or welcoming an adult child back home are all changes that can affect your auto and homeowners coverage.

✅ You’ve acquired new valuables or heirlooms. If you’ve recently obtained or inherited new jewelry, art, or other collectibles, it may be worth reviewing whether these items would be fully covered under your current homeowners policy.

✅ Your income, assets, or career changed. A promotion, a new job, a side business, or an inheritance can all increase your financial exposure in ways your current coverage may not reflect.

If any of these sound familiar, our team would love to take a few minutes to review your policies together and ensure everything still aligns with where you are now. It's a simple conversation that can make a real difference.

Feel free to reach out anytime. We are here to help ensure your coverage keeps up with your needs.

09/15/2026

The transition into fall is the ideal window to take stock of your home and address small issues before they become expensive ones. A few hours of attention now can prevent thousands of dollars in damage later. Swipe for a few key areas to focus on.

We hope you found this seasonal checklist helpful! If you would like to get recommendations for trusted, local providers that can be of assistance, please feel free to reach out. And as always, if you have any questions or any other needs our team can assist you with, just give the office a call. We are here to help.

09/09/2026

Ransomware attacks are on the rise, and companies of all sizes and sectors are feeling the impact. As these attacks continue to pose a serious threat to businesses, focusing on proactive, preventive measures can become more crucial.

Swipe through for details on the rise of ransomware attacks and actionable steps you and your team can take today.

While establishing key safety strategies like these can play a meaningful role in your recovery strategy, they cannot prevent attacks outright. That’s where commercial cyber insurance can step in. If your business is the victim of a ransomware attack, commercial cyber insurance can help your company navigate the aftermath with confidence.

If you'd like to talk through your current coverage or explore your options, our team would be happy to connect. Give me a call or reply to this email, and we can get started.

09/01/2026

Before your kids head out the door, make sure they know how to get to school safely, no matter how they are getting there. Here are a few tips to keep in mind:

🔵Walking to school? Stick to sidewalks, cross only at crosswalks, make eye contact with drivers before stepping into the street, and always walk in a group when possible.

🔵Riding a bike? A properly fitted helmet is non-negotiable. Remind students to ride on the right side of the road with traffic, come to a complete stop before crossing, and choose a route with minimal intersections and light traffic.

🔵Taking the bus? Students should stand at least 6 feet back from the curb when waiting for a bus, wait for the bus to come to a complete stop before boarding, and never walk behind or in front of a bus without making eye contact with the driver first.

🔵Getting dropped off? If you drive your child to school, obey school zone speed limits, follow your school's drop-off procedure, and never pass a bus that is loading or unloading children.

🔵Teen drivers? Review the basics of safe driving. This includes, but is not limited to, having all passengers wear seatbelts, putting devices away while driving, and driving the speed limit.

We hope you find these tips helpful as students transition back to school. As always, if you have any needs or questions, do not hesitate to reach out to our team. We are happy to help.

08/18/2026

From ransomware and phishing to vendor outages, cyber incidents are now among the most common causes of business disruption. The impact can extend well beyond IT, affecting operations, revenue, and reputation. Recent data shows billions of dollars in reported cyber losses each year, with some individual incidents costing millions.

Swipe for a brief overview of how cyber insurance can help protect your business against this threat.

If you’re not sure how your current coverage would respond to a cyber event, now is a great time to review it. Our team is happy to help you walk through your options and make sure your business is properly protected.

08/06/2026

The kids are headed back to school, and that can only mean two things: The house is quiet again, and the coffee is hot for the first time in months.

However you are feeling about back-to-school season this year, we hope the transition is going smoothly for your family. As always, if there is anything we can do to help, do not hesitate to reach out. That is what we are here for.

08/04/2026

Running a business comes with no shortage of moving parts — and making sure you're protected from the unexpected is one of the most important pieces of the puzzle. That’s where commercial umbrella policies come in.

Swipe to learn more about how this coverage works and whether it's right for your business.

If you'd like to talk through whether a commercial umbrella policy makes sense for your business, know that we are always happy to help. Feel free to give the office a call today.

07/21/2026

07/20/2026

We’re proud to offer the #1 Commercial Auto insurance! Call us for a quote today at 516-872-2000.

07/16/2026

When a business grows, two things that tend to change quickly are inventory levels and headcount. Growth in both of these areas can create gaps in your insurance coverage in ways that are easy to miss until something goes wrong.

If your business is carrying more inventory than it was when your policy was written, your current property limits may not fully cover a loss from a fire, theft, or other covered event.

Similarly, adding employees changes your workers' compensation calculations and liability exposure, and payroll classifications may need to be updated to accurately reflect the work your team is actually doing.

If either of these has shifted for your business this year, it is worth taking a closer look at your current coverage. Give us a call, and we can help you determine whether your policy still fits your business today.