News You Can Use – December 2020

News You Can Use – December 2020






♦♦♦ WIN A NEW iPAD ♦♦♦


Chance #1
Tell a friend, a colleague, a relative, an acquaintance…whoever…about us.  When they contact us we’ll send you a $20.00 Gift Card


Chance #2
Every month we’ll randomly draw from the month’s Chance #1 qualifiers. The winner will receive a $50.00 Gift Card


Grand Prize
In December, we’ll conduct a random drawing from all the current year’s entries and the winner will receive a new iPad!


3 Chances, 3 Prizes for YOU to WIN!


The Southcott Agency Inc. “Just Keep Talking!” Program Rules:  Available upon request

As always, call the office if you have questions  at

(585) 589-6236


○○○ Christmas Humor ○○○


God’s Not Deaf

Two young boys were spending the night at their grandparents’ house the week before Christmas.

At bedtime, the two boys knelt beside their beds to say their prayers. The younger one began praying at the top of his lungs:      




His older brother leaned over, nudged him and said, “Why are you shouting? God isn’t deaf.” to which the little brother replied, “No, but Grandma is!”


Cryptic Christmas Card

A man sent his friend a cryptic Christmas card.

It said: A B C D E F G H I J K M N O P Q R S T U V W X Y Z.

The recipient puzzled over it for weeks, finally gave up and wrote asking for an explanation.

In July he received the explanation on a postcard: “No L.”


True story

The nativity play was going as planned and Joseph and Mary were going from house to house knocking on the doors and asking if there was any room for them.

As they continued to get “no room” answers, a little voice called from the back “YOU SHOULD HAVE BOOKED AHEAD!” bringing the house down.


Important Crop Insurance Dates and Deadlines

December 10, 2020 – end of insurance period for corn and soybeans. You have 15 days from the end of the insurance period to file a claim due to low production.  You have 25 days from the end of the insurance period to file a claim due to loss of income if you have revenue protection coverage.  Call the office if you need to know your trigger yield to qualify for a claim.

January 15, 2021 – production report for 2020 apple, peach, cherry, and grape production and acreage report for 2021 pears, apple, peach, cherry, and grape production.  Make updates to acreage and any acreage cut down and any newly planted acreage.

We can take this report before year end when you have your information ready or if you are vacationing in January.  Please call for an appointment at 585 589-6236.


Baked BLT Dip




  • 1 pound crispy cooked & crumbled bacon
  • 1 cup sour cream
  • 1 cup mayo
  • 8 0unces softened cream cheese
  • 1 1/2 cup shredded cheddar
  • 1 cup chopped, seeded tomato
  • 1/4 cup finely chopped green onion



  • Mix all ingredients.
  • Place in greased shallow pan and bake at 425 degrees F for 25—30 minutes.


Artichoke & Crab Dip



  • 8 ounces chopped crabmeat or imitation crab
  • 2 cans drained & chopped artichoke hearts
  • 2 ½ cups mayo
  • 2 cups grated parmesan cheese
  • ½ cup seasoned bread crumbs               
  • 1 t. minced garlic or garlic salt
  • Salt & Pepper



  • Mix ingredients thoroughly.
  • Bake at 325 degrees F in a greased shallow baking dish for 25 to 30 min. 


Spicy Corn Dip



  • 2 cans sweet corn drained
  • 1 8-ounce Cream Cheese
  • 1 cup mayo
  • ½ cup sour cream
  • 2 cup shredded pepper jack cheese
  • 1 cup chopped green onion
  • 2 t. minced garlic or garlic salt
  • ½ cup sliced black olives drained



  • Mix all ingredients.
  • Place in greased shallow pan and bake at 425 degrees F for 25—30 minutes.



13630 Ridge Road
Albion, NY  14411
Phone 585 589-6236
Hours 8:00am – 4:00pm

13 Things Your Dog Can Teach You



When loved ones come home, always run to greet them.



Allow the experience of fresh air and the wind in your face to be pure ecstasy.



Let others know when they’ve invaded your territory.



Take naps and stretch before rising.



Run, romp, and play daily.



On hot days, drink lots of water and lie under a shady tree.



When you’re happy, dance around and wag your entire body.



No matter how often you’re scolded, don’t buy into the guilt thing and pout – run right back out and make friends.



Delight in the simple joy of a long walk.



Eat with gusto and enthusiasm. Stop when you have had enough.



Be loyal.



Never pretend to be something you are not.



If what you want lies buried, dig until you find it.



Our  $50.00 gift card winner for November is

– Oded Kalir –

Thank you for your Referral!




Water Exclusions!


Most homeowner’s, farmowner’s, and property insurance policies have water exclusion language similar to the following:



We do not pay for loss caused by flood, surface water, waves, tidal waves, tsunamis, tides, tidal water, and overflow of any body of water or spray from above.


We do not pay for loss caused by water that backs up through sewers, drains, overflows, or discharges from sump pumps of related equipment.


We do not pay for loss caused by water below the surface of the ground.  This includes but is not limited to water that exerts pressure, seeps, leaks, or flows through a building, sidewalk, driveway, patio, foundation, swimming pool, or other structure.


We are always dealing with large amounts of surface water that can damage your property.  Electrical outages can effect your sump pumps causing water to fill your basement.  Be prepared to protect your property from hazards. (***This is only an example of policy language.  Please refer to your own policy for complete water exclusions.)


Holiday Lighting Safety Tips


  • Check your light sets for cracked insulation, frayed wires or damaged sockets. Any of these could cause short circuits.


  • Don’t overload your string sets. Check the instructions on the package to find out how many light sets can be connected to each other.


  • Avoid overloading circuits. Most home circuits can take 15 amps, or 1,800 watts.


  • Cover each outdoor plug and connector joint with plastic wrap to protect it from rain; seal it with electrical tape.


  • If you use staples instead of tape to secure lights, be sure that they’re insulated staples.


  • Make sure decorations pose no danger to children or pets. Don’t leave cords dangling or strung loosely on the floor or stairs.


Should You Worry About Christmas Tree Bugs?


Don’t panic! The types of bugs inhabiting your jolly Christmas tree are mostly harmless and won’t destroy your home.


Most Christmas tree insects don’t live off the tree, only in it. Your home’s environment isn’t suitable to them so they will dry out and die before ever venturing out.


Most Christmas trees aren’t brimming with bugs. Occasionally, you’ll hear a Christmas horror story about praying mantis eggs that hatched inside orthousands of tiny black aphids invading a home.


Most Christmas tree farms take precautions on making sure their trees have a minimal number of pests. Some spray pesticides on the trees, put them through a mechanical shaker and then spray the trees down to get rid of any bugs that might have been living on it.


What Bugs Live in a Real Christmas Tree?

Thetypes of bugs living in your Christmas treediffer depending on the type of tree and location. The major insects include: adelgids, aphids, bark beetles, mites, praying mantises, scale insects, spiders, moths, sawflies, weevils, bark lice and webworms.


How to Get Rid of Insects on Your Christmas Tree?

The best way to avoid Christmas tree critters from ruining your holiday is to take these preventative actions.  Inspect the tree branches and trunk for any signs of eggs or bugs. Give the tree a good shake before bringing inside. 


Let the tree sit in your garage for at least 24 hours before decorating. This will allow you to see if there are any other bugs venturing out from the tree and to help the tree settle. During this time, spray with neem oil or powder with diatomaceous earthto kill Christmas tree bugs in any stages from eggs to adults.  Living Christmas trees are important to holiday traditions. Don’t let a few bugs scare you into not enjoying a freshly-cut evergreen.


What  is “Roadside Assistance” on your personal auto policy?


As winter approaches, we handle more and more personal auto problems like deer hits, accidents and breakdowns for our clients.  Individual insurance companies offer a range of helpful options at a cost to the policy holder. When the policy lists “Towing” as a purchased option, most companies cover a dollar amount reimbursed to the towing company for taking your vehicle to a garage or your home. 


For example: your towing expense with one of our companies can be reimbursed up to $100.00 for a charge of $18.00/yr.


They provide this coverage for a roadside breakdown or an accident.  Others only have towing coverage if needed after a claim.


Some of our companies offer a more complete service listed as “Roadside Assistance” that may also cover flat tires, running out of fuel, battery jump, and door unlocking. 


This particular option on your auto policy varies greatly amongst companies.  If you have questions about your coverage please call the office at (585)589-6236.


5 Christmas Fun Facts


1 – Holiday retailers use music to attract potential shoppers


2 – The busiest shopping day of the year is not Black Friday, but the Saturday before Christmas.


3 – Researchers have proven that a “50% off” sign leads to increased sales, even if the shoppers don’t know the original price.


4 – All the items in the classic holiday carol, “The 12 Days of Christmas,” would have cost $170,298.03 in 2019. Surprisingly, the swans were the most expensive!


5 – In National Lampoon’s “Christmas Vacation”, Clark Griswald’s disappointing Jelly of the Month Club Christmas Bonus is worth about $177.00 today.


13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm