Frank Shambo, Eastern Insuring Agency

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Frank Shambo, Eastern Insuring Agency Frank Shambo is the Director of Commercial Lines Insurance at Eastern Insuring Agency.

FLOODHomeowners Insurance Does NOT Cover FloodingThis is one of the biggest insurance misconceptions we hear.Standard ho...
10/16/2026

FLOOD

Homeowners Insurance Does NOT Cover Flooding

This is one of the biggest insurance misconceptions we hear.

Standard homeowners insurance generally does not cover flood damage.

And you don't have to live next to a river or lake to experience flooding.

Heavy rainfall, overwhelmed drainage systems, rapidly accumulating surface water and rising waterways can affect properties in many different parts of New York.

🌧️ “I'm not in a high-risk flood zone.”

That doesn't automatically mean “I can't flood.”

Flood insurance is separate coverage.

If you don't know your property's flood exposure or whether flood coverage makes sense for you, start the conversation before the next major storm.

WATER & SEWER BACKUPFinished Basement? Check This Coverage Before You Need It.Think about everything downstairs.TV. Furn...
10/09/2026

WATER & SEWER BACKUP

Finished Basement? Check This Coverage Before You Need It.

Think about everything downstairs.

TV. Furniture. Flooring. Furnace. Washer and dryer. Storage. Kids' belongings. Maybe even a finished family room or home office.

Now imagine a sewer or drain backup.

The damage can become expensive very quickly — and standard homeowners coverage may not provide the protection you assume.

This is why water and sewer backup coverage is one of the first endorsements worth checking on a homeowners policy.

🏠 Have a basement?
📦 Store belongings downstairs?
🛋️ Finished living space?

Check your policy before there's water on the floor.

Eastern Insuring can help you determine what coverage you currently have.

WATER & SEWER BACKUPWater in Your Basement Doesn't Always Mean You're CoveredHere's an insurance distinction every New Y...
10/02/2026

WATER & SEWER BACKUP

Water in Your Basement Doesn't Always Mean You're Covered

Here's an insurance distinction every New York homeowner should understand:

💧 A covered plumbing loss
🌧️ Flooding
🚽 Water or sewer backup

These can be treated very differently by an insurance policy.

Water or sewer backup coverage is often something that must be added to a homeowners policy by endorsement.

And when a backup happens, you're not just dealing with water.

You may be dealing with cleanup, damaged flooring, walls, furniture, personal belongings and remediation.

👉 Check your policy for Water Backup or Sewer Backup coverage.

Don't see it? That's a question for your agent.

🚐 INSURANCE, TRANSLATED: PERSONAL EFFECTSThe RV is insured.But what about all the stuff you've packed inside it? 👀👕 Clot...
09/30/2026

🚐 INSURANCE, TRANSLATED: PERSONAL EFFECTS

The RV is insured.

But what about all the stuff you've packed inside it? 👀

👕 Clothing
💻 Electronics
🍳 Cookware
🏕️ Camping gear
🪑 Outdoor equipment

That's where Personal Effects coverage may come into the conversation.

Depending on your RV policy, it can help cover certain personal belongings if they're stolen or damaged by a covered loss.

Because when you pack an RV for a trip, you're not just taking the vehicle.

You're taking a surprising amount of your life with you.

Before the next adventure, ask:

“If everything inside my RV disappeared tomorrow, what would actually be covered?”

WAIT, THERE'S A WORD FOR THAT? — Insurance, Translated.

Personal effects coverage varies by policy and insurer. Limits, deductibles, exclusions, covered causes of loss and coverage available under other policies may apply.

30 Days. 30 New York Risks. 🗽This month, we didn't spend much time telling you what insurance products we sell.That was ...
09/30/2026

30 Days. 30 New York Risks. 🗽

This month, we didn't spend much time telling you what insurance products we sell.

That was intentional.

Instead, we talked about the things insurance is actually built around:

🏡 The house you live in—and the one you only visit on weekends.
🚗 City traffic, country roads and the deer that definitely didn't check before crossing.
🌊 Basements, heavy rain, lake houses and water that came from the wrong place.
❄️ Preparing a North Country home before the first freeze.
🍽️ What happens when a restaurant's refrigeration goes down overnight.
💻 The employee who clicked that link.
👨‍👩‍👧 The financial value of the work a stay-at-home parent does every day.
📸 The belongings you'd have to remember after a major loss.
📄 And a few insurance words that needed translating into actual English.

Because insurance makes a lot more sense when we start with real life instead of the policy.

But New York is a big state.

From Plattsburgh to Long Island. Buffalo to Albany. The Adirondacks to the Catskills. Cities, farms, lakes, rivers, suburbs and Main Streets.

There's no way we covered everything.

So we're ending September with a question for you:

What did we miss?
What's the insurance situation you've always wondered about?
What's something unique about where you live?

What's happened to you that made you think:
“Wait… would insurance cover this?”

Drop it in the comments. 👇

Your question might become our next post.

🏪 INSURANCE, TRANSLATED: EXTRA EXPENSEYour business has a covered loss and suddenly your normal workspace isn't usable.B...
09/29/2026

🏪 INSURANCE, TRANSLATED: EXTRA EXPENSE

Your business has a covered loss and suddenly your normal workspace isn't usable.

But closing completely?

That's not exactly Plan A.

Maybe you can:

🏢 Rent temporary space
💻 Lease equipment
📦 Move operations
🚚 Pay extra to keep serving customers

Those additional costs may be where Extra Expense coverage comes in.

It can help pay certain necessary expenses above your normal operating costs to keep the business running or reduce the interruption after a covered loss.

Think:

“What will it cost us to keep going while we recover?”

That's the Extra Expense conversation.

WAIT, THERE'S A WORD FOR THAT? — Insurance, Translated.

Extra Expense coverage varies by policy. Covered causes of loss, eligible expenses, limits and other conditions apply.

City Driving vs. Country Driving 🚕🌲Same New York license.Same car.Very different drive.Spend your morning navigating Buf...
09/29/2026

City Driving vs. Country Driving 🚕🌲

Same New York license.

Same car.

Very different drive.

Spend your morning navigating Buffalo, Rochester, Syracuse or Albany and you might be dealing with:

🚦 Stop-and-go traffic

🚗 More vehicles in tighter spaces

🚶 Pedestrians and cyclists

🅿️ Street parking

🚧 Intersections, construction and frequent stops

Head into the Adirondacks, Catskills or rural North Country and the traffic might disappear—but the risk doesn't.

Now it's:

🦌 Deer appearing out of nowhere
🌲 Winding or narrow roads
❄️ Snow and ice
🌙 Dark roads with limited lighting
📱 Areas with limited cell service
🛻 Longer distances to help after an accident

Neither is necessarily safer.

They're simply different driving environments.

And that's today's bigger insurance lesson:

Risk isn't just about what you drive. It's also about where and how you drive it.

So whether your commute includes six lanes of traffic or six miles without a traffic light, drive for the road you're actually on.

New Yorkers: which would you rather drive every day?

🏙️ CITY or 🌲 COUNTRY?

❤️ INSURANCE, TRANSLATED: CONTESTABILITY PERIODYou bought life insurance.The policy is issued.So everything on that appl...
09/28/2026

❤️ INSURANCE, TRANSLATED: CONTESTABILITY PERIOD

You bought life insurance.

The policy is issued.

So everything on that application is ancient history now…right?

Not exactly.

Most life insurance policies have what's called a Contestability Period—typically the first two years after the policy takes effect.

During that time, if the insured dies, the insurance company may review the original application more closely before paying the claim.

Why?

To determine whether there were material misrepresentations in the information provided when applying.

Think health history, to***co use or other information that could have affected the insurer's decision.

The takeaway isn't complicated:

Answer life insurance application questions completely and accurately.

Because what you put on the application matters.

WAIT, THERE'S A WORD FOR THAT? — Insurance, Translated.

Contestability provisions vary by policy and applicable state law. A contestability review does not automatically mean a claim will be denied.

The life insurance policy you bought 15 years ago… does it still fit the life you have today?Think about how much can ch...
09/28/2026

The life insurance policy you bought 15 years ago… does it still fit the life you have today?

Think about how much can change in 15 years.

Maybe when you bought the policy:

You were newly married.

Your kids were little—or didn't exist yet.

You hadn't bought your current house.

Your income looked completely different.

Your mortgage was different.

You hadn't started a business.

College seemed very far away.

And retirement seemed even farther.

Now look at your life today.

The policy may still be perfectly appropriate.

Or the life it was designed around may barely resemble the one you're living now.

That's why a life insurance review isn't automatically about buying more insurance.

It's about asking:

👨‍👩‍👧 Has my family changed?
💵 Has my income changed?
🏡 Have my financial responsibilities changed?
🎓 Have the things I'm planning for changed?

And don't forget something even simpler:

Are your beneficiaries still who you intend them to be?

Life insurance shouldn't be something you purchase, put in a drawer and forget exists for the next 30 years.

Every so often, pull it back out.

Life changes. Your coverage should still make sense for the life you have now.

Life insurance needs are individual. Policy changes may be subject to underwriting, product availability and policy provisions. Review your specific policy before making changes or replacing existing coverage.

🚗 INSURANCE, TRANSLATED: RENTAL REIMBURSEMENTYour car is in the repair shop after a covered accident.You still have:💼 Wo...
09/25/2026

🚗 INSURANCE, TRANSLATED: RENTAL REIMBURSEMENT

Your car is in the repair shop after a covered accident.

You still have:

💼 Work
🏫 School drop-off
🛒 Groceries
⚽ Practices

…and approximately 47 other places to be.

Your life doesn't go into the repair shop with your car.

That's where Rental Reimbursement coverage may help.

If your vehicle can't be driven because of a covered loss, this optional auto coverage can help pay toward the cost of a rental vehicle, subject to your policy's limits.

Here's what people sometimes discover after the accident:

There are limits.

Your policy may specify how much it pays per day and the maximum amount available.

Today's five-minute policy check:

Do you have Rental Reimbursement—and what are your limits?

WAIT, THERE'S A WORD FOR THAT? — Insurance, Translated.

Rental reimbursement coverage varies by insurer and policy. Eligibility, daily limits, maximum benefits, covered losses and other conditions may apply.

Address

1645 Military Turnpike
Plattsburgh, NY
12901

Opening Hours

Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

+15185640779

Website

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