Posted On 10 Jul 2021
When you host the 4th of July barbecue or invite your friends’ kids over to play in the yard, you could be responsible if someone gets hurt. Ensure you have premises liability insurance and consider protecting yourself and your assets with a Personal Umbrella Policy!
What is a Personal Umbrella?
A personal umbrella provides affordable coverage beyond your basic policies, such
as your homeowners, renters, auto, or watercraft policies. It helps protect your assets (your home, for example) and future earnings and pays for defense costs in the event that you are sued.
Do I need it?
Yes…. Because everyone makes mistakes that can lead to a lawsuit. Even if you’re not at fault, a Personal Umbrella policy can cover defense costs.
For more information on how to protect yourself and your family, please call the office at 585 589-6236 and visit our website for our detailed blog www.thesouthcottagency.com
TACO MAC AND CHEESE
▢ 2.5 c pasta of your choice, I used elbow.
▢ 1.5 lbs. ground beef (turkey or chicken would also work)
▢ 2 c chicken or veg broth
▢ 1 1/4 cup water
▢ 1 cup of diced red bell pepper
▢ 1/2 yellow onion
▢ 1 taco seasoning packet
▢ 1 can of diced green chilis (mild medium or hot depending on preference)
▢ 2 c shredded cheese (cheddar, Mexican blend or any kind you prefer)
1. Brown beef in the bottom of the large soup pot, when halfway done add red peppers and onions.
2. When fully browned add a can of chilis, 1/4 c water, and taco seasoning, stir until well covered. Cook until seasoning darkens and thickens.
3. Add broth and water and cook until almost boiling. Mix in pasta and let cook for 15 minutes or all water is absorbed.
4. Fold in 2 cups of cheese until melted. Serve with desired toppings.
JUST KEEP TALKING
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 and…
Every month we’ll randomly draw from the month’s Chance #1 qualifiers. The winner will receive a $50.00 Gift Card.
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 t
he office if you have questions at
Deadlines for Crop Insurance
Acreage reports must be signed by July 15th for corn, soybeans, potatoes, and oats.
Acreage reports must be signed by August 15th for cabbage, processing beans, processing sweet corn, and fresh market beans.
Acreage reports must include:
- Planted acres and plant dates
- Prevented planted acres by crop
- Common land units, farm #’s, track #’s, field #’s
Please call the office (585)589-6236 as soon as you are ready or as soon as your acreage report is done at the Farm Service office.
Premiums will be issued after the acreage report is filed and will be due by September 1st. Interest will be added as of October 1st and every month thereafter.
“Take your kids to a farm so they don’t think food comes from a box.”
Knowledge is power.. and empowering!
We are only a few generations removed from a time when everyone grew, raised, harvested, canned their own food. People had food in their backyards and the concept of traveling to a store to buy packaged food would have been bizarre. We are raising or are part of a generation that has no idea where the food we consume is coming from.
Learning where your food comes from (how far it has to travel to get to you) and especially how it is processed is the first step in taking back some control of our food system. There are numerous ways to help build a stronger local (or at home) food supply. I’ll share a few of my favorite tangible tips:
Learn what is in season in your area. Are you frustrated at the quality of supermarket tomatoes in December? Well, that’s because they are not in season in New York, therefore, are being shipped hundreds of miles. Before shipping food across the country was the norm, people ate only what was in season! That means big beautiful red juicy tomatoes were only served late summer to fall. Buying in-season allows for greater support to local farms. A very easy way to learn the seasons of produce is to attend a farmers’ market or farm stand.
Grow what you can. Having food in your backyard is not only rewarding it is practical! While even a tomato and cucumber plant is a great start, imagine if you planted a garden and raised even one meat animal for your freezer. I’ll tell you what, a cyber-attack on the world’s largest meat processing plant gets a whole lot less scary when you have your own food at home. Top that off by freezing or canning extra vegetables from the garden.
Right now, in New York, we are entering the season of plentiful garden produce. Some of you may even be enjoying some goodies from the garden already. I encourage you to go out and explore farmers’ markets, farm stands, or even check out the labels at the gr ocery store, which are now more than ever advertising their local goods.
Resources: check out seasonalfoodguide.org to check product availability any time of the year.
Stacia Whitney RD, CDN
Follow Nourish Yourself Dietetics LLC on Facebook and Instagram
Recently, one of our agents waited for her vehicle to be serviced at a local car dealership. The service manager entered the waiting room with bad news for one of the other customers. Apparently, mice had chewed some of the wirings in her car and the repair would be costly. He continued, “Fear not, your homeowner’s policy will cover the cost.” Our agent felt obligated to intercede on behalf of the car owner and simply stated that homeowner’s policies do not cover rodent damage to your vehicle. This led to a rather heated debate. The dealership was forced to research rodent damage only to find they were wrong and they are not alone in their confusion.
Your auto insurance generally will cover rodent damage if you have comprehensive coverage.
Home insurance is much more complicated than vermin damage to your vehicle.
We receive many calls asking if there is coverage for removing vermin from their home and fixing the damage done by vermin. Typical inquiries include:
- Will my insurance cover the removal of bats in my attic?
- Will it pay for the removal of toxic guano left by the bats?
- Will it pay to remove bees in my ceiling and walls?
- Do I have coverage to pay for the removal of skunks that have nested under my garage and sprayed the structure?
- I’ve discovered chewed electrical wiring in the attic. Is it covered?
Rats, mice, and even cute chipmunks and squirrels are all rodents and can create extensive damage in a home. In most cases, the physical damage caused by these little guys isn’t covered – nor is the cost of their removal if you choose to call in a pest control specialist to handle a rogue squirrel in the attic or a family of mice living in the pantry walls.
For insurance purposes: Animals considered vermin: rats, mice, squirrels, beavers, porcupines, chipmunks, guinea pigs, prairie dogs, marmots, woodchucks, cockroaches, flies, lice, bedbugs
Animals not vermin: skunks, bats, possums, raccoons, rabbits
Most policies exclude all excrement caused by animals including scat, pee, and secretions.
We have posted a more detailed blog on our webpage www.thesouthcottagency.com
Protect That Skin You’re In!
July may be UV Safety Month, but that doesn’t mean you shouldn’t care about UV safety the other 11 months of the year. Sun safety needs to be considered every day—even if it is cloudy outside.
As the saying goes—your skin is your largest organ, you better take care of it. Doing so is fairly simple; and you can probably recite the following recommendations from the Centers for Disease Control and Prevention (CDC) but, indulge me while I reiterate:
Seek Shade. This is one of the easiest ways to reduce your skin damage and skin cancer risk, especially if you are outside between 10 a.m. and 4 p.m.
Cover-Up. Wear clothing to protect any exposed skin, even in the shade. This means a hat with a brim all the way around, sunglasses with UVA/UVB (broad spectrum) protection, and clothing made of a tightly woven fabric.
Lather Up. This is the most important, even if you’re in the shade and covered up, you should put sunscreen on before you head outside. Not just any sunscreen, but a broad spectrum protection product with a Sun Protection Factor (SPF) of at least 15. Make sure it’s not expired.
When are the Dog Days of Summer?
According to the Old Farmer’s Almanac, the Dog Days of summer are traditionally the 40 days beginning on July 3rd and ending August 11, which coincide with the rising of Sirius, the Dog Star. This is just after the summer solstice and indicates that heat will be arriving soon.
What is heatstroke in pets?
Heatstroke, also known as overheating or heat exhaustion, occurs when your pet’s body temperature rises above the normal range of 100 to 102.2 degrees. Dogs and cats have few sweat glands and cannot cool off by sweating like humans, so they overheat more easily. Pets mainly cool off by panting, as moisture evaporation from the oral cavity helps lower body temperature. Heatstroke most commonly occurs when pets are left outside on hot days, but also can develop if:
- There is high humidity, even if the temperature is lower
- Your pet doesn’t take breaks from playing to cool off
- Your pet doesn’t have adequate access to water in warm temperatures
- Your pet is left in a closed-up house on a hot day with no ventilation or air conditioning
- Your pet is left inside a car, even if it does not seem hot outside.
Heatstroke is a dangerous health condition that can cause death if warning signs are not recognized immediately.
What are heatstroke signs in pets?
- Excessive panting
- Excessive drooling
- Difficulty breathing
- Diarrhea, with or without blood
- Incoordination or stumbling
- Sudden collapse
Act immediately if your pet displays any of these signs. Once your pet begins to overheat, heatstroke progresses quickly.
13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm