News You Can Use – June 2020

News You Can Use – June 2020



Fresh Squash Salad




    • 5 tablespoons prepared Pesto
    • 2 tablespoon Italian Salad Dressing
    • 1 cup thinly sliced Zucchini
    • 1-1/2 cups thinly sliced Yellow Summer Squash
  • 1-3/4 cups thinly sliced Cucumbers
  • 3/4 cup fresh Peas
  • 1/2 cup shredded Parmesan cheese
  • 1/4 cup thinly sliced green Onions
  • 5 thick-sliced Bacon strips, cooked and crumbled



  1. In a bowl, whisk together the first 2 ingredients until blended.
  2. In another bowl, combine squash, cucumbers, peas, Parmesan and green onions.
  3. Pour dressing over salad; toss to coat.
  4. Top with bacon to serve.


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


Just Keep Talking

Referral Program


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


Crop Insurance News

 Prevented Planting  


          Both corn and soybeans have a prevented planting provision in their crop insurance policy.  Any acreage not planted due to excess moisture before June 10th, may qualify for a prevented planting indemnity.  Both corn and soybeans have a late plant period out to July 5th.  The provisions require you to report a prevented planting claim 72 hours from your last plant date and no later than July 5th.  You then report your actual planted acres and actual prevented acres by July 15th.  The highest payment for corn is 60% of your actual acre liability.  For soybeans it is 65% of your actual acre liability.  All acreage reports must be done using maps and common land units, farm serial numbers and tract and field numbers.

          We will be touching base with you by phone or in person after June 10th.  If you have questions do not hesitate to call the office @ 585 589-6236.


Looking for a fun activity to share with Dad


Find 4 Pine cones
Find a mushroom or fungus
Find something red
Find 2 things that can fly
Find 2 tree stumps
Find 2 different leaves
Find a Feather
Find a yellow flower
Find a Seed
Find something that crawls
Find 3 smooth rocks
Find something that smells good
Find a spiders web
Find something soft



The Do’s and Don’ts of Driving with a Trailer


Whether you’re taking a road trip or taking the family camping, driving with a trailer can be a challenge. When you add a trailer to your vehicle, the overall handling and rules of driving dramatically change. Using your hitch to tow your favorite travel trailer means you should give yourself more time to slow down and turn corners. It’s important that drivers of all experience use trailer brakes to decrease speed evenly with the added weight that’s being towed. And, because trailers don’t follow the exact path as the vehicle on turns, always remember to safely swing out wider when traveling around bends and corners.


Here are some do’s and don’ts of towing to keep you safe on the road.


  • Gradually reduce speed
  • Travel at an even, moderate speed
  • Steady the steering wheel — sudden turns can cause more sway
  • Be cautious of potholes and large bumps
  • Use a lower gear over large hills or down gravel roads
  • Avoid slamming on the brakes — jackknifing could occur



  • Consistently stay in overdrive and/or in a high gear
  • Attempt to steer out of trailer sway
  • Forget to add sway control or a weight distribution system
  • Be afraid to safely stop and reload trailer in case of engine problems, sway, flat tires, etc.


Seeds of Success

by Heather Tabor


Do you love the big blooming hanging baskets that you see at your local garden center or you received for Mother’s Day?  Every Spring is a challenge to keep that pot blooming and beautiful.  Are you losing the battle and find the hanging basket more fit for your compost pile than your front porch?  Here are a few seeds of success that could change your luck this season.  First make sure the basket is in the right location. Impatiens and begonias are perfect in shaded areas, while petunias, million bells, scavolla, nostrum, fuchsia and portulaca require 6 – 8 hours of direct sunlight.  Now that the basket is in the right location, try watering in the morning so it will have the moisture it needs during the day.  The bigger the basket and sunnier the location, means even more water will be needed.  Adding a gallon of water daily to a 10-inch basket may be necessary.  If your basket dries too fast between watering, try laying a baby diaper, absorbent side up, on the inside bottom of the basket.  Lastly, add fertilizer according to the package directions to keep your basket beautiful and blooming.



Did you just buy an ATV or a diamond anniversary band?  That’s wonderful news, but no matter how much property insurance you have, there are special limits of liability and certain items that are not covered. 


There are special Limits of Liability no matter how much coverage C, personal property coverage, you have on your homeowner’s policy.  Most policies look something like this:

  • $200 on money, book notes, bullion, gold, silver, medals, prescriptions.
  • $1,500 on securities, accounts, deeds, letters of credit, evidence of debt, bank notes, passports, tickets, stamps
  • $1,500 on watercraft of all types including their trailers, furnishing equipment
  • $1,500 for loss or theft of jewelry, watches, furs, precious and semi-precious stones
  • $2,500 for loss of firearms and related equipment
  • $2,500 for loss or theft of silverware, goldware and trophies
  • $2,500 for property used for business purposes
  • $1,500 for electronic apparatus and accessories while upon or in a motor vehicle
  • $1,500 for electronic apparatus used primarily for business

Properties Not Covered:

  • Animals, birds, fish
  • Motor vehicles including snowmobiles, ATVs, RTVs, and mini-bikes

 Items that you can increase coverage with a personal property floater for additional premium:

  • Jewelry, watches, furs
  • Firearms
  • Money & Securities
  • Silverware
  • Electronics

Items that need a separate policy:

  • Large boats
  • ATVs & RTVs
  • Motorcycles & Snowmobiles


Remember, we do not know what personal property you purchase or its value unless you tell us.  We cannot provide you with adequate coverage during a loss if we are not informed.


Mike Sills is our monthly $50.00 gift card winner!

(No Photo—we are social distancing )

A special thanks to all our friends for sending referrals our way: Deb Boyer, OK Farms, David Beachy, Shauna Poler, Donald & Marie King, Ryan Kehl, Dan & Deb Sievert, Nate Keppler, and Andy Greenwell.


It’s time to live in the sunshine!

The summer is just starting to roll, campsites are reopening, so head out with family for a weekend in the great outdoors! Camping at a local campground or state park could be just what you need to help with anxiety and other pandemic issues. The birds chirping, the bugs buzzing and the sun beating down on your tent will remind you that through all our trials, we are blessed.

It’s the knowledge that we will share with you here that separates the amateurs from the seasoned campers. You want to be a seasoned camper, don’t you? The prepared one that everyone goes to if they need duct tape, dental floss or any other random item. We will help you become that go-to-guy or gal with this simple checklist.


Prepared Camper checklist:

  • Tent, tarp and sleeping bags (I’m sure you already knew that)
  • Extra blankets and towels
  • Waterproof matches, pots, pans and utensils
  • A utility knife and rope
  • Hammer
  • Extra stakes
  • Extra chairs
  • Emergency medical kit
  • Plenty of water (for drinking, cooking and cleaning)
  • Cooler packed full of delicious food, snacks and beverages
  • Dish soap and hand sanitizer
  • Duct tape (you can use this stuff for anything)
  • Dental floss (always handy after a dinner of fresh grilled chicken or steak)
  • Ziploc bags (so useful!)
  • Sunscreen/chap stick with SPF
  • Flashlight
  • Warm hat (80% of heat loss occurs through your head. You never know when you are going to get a chilly night)
  • Layers of clothes (no matter what time of year, it’s the easiest and most effective way to control your body temperature)
  • Playing cards/games (just for fun)


Healthy Eating

By Stacia Southcott Whitney
Registered Dietician


Did you know that our bodies are made up of 60% water and every system depends on water?  Water is important for healthy skin, hair and nails, as well as controlling body temperature, heart rate and blood pressure. 

 Sometimes staying hydrated is challenging in the summer months.  To help prevent health problems related to dehydration, an average person should be drinking at least 1500ml./day.  If you are active your need increases.  Try adding fruit slices to a water pitcher if plain water is difficult for you to drink.


Payment Deferrals

Today’s emergency regulation directs property and casualty insurers to provide flexibility to consumers experiencing financial hardship caused by the pandemic by extending a 60 day grace period for the payment of premiums and fees under auto, homeowners and renters insurance policies, among others. The same relief will be available for businesses with 100 employees or less, independently owned and operated and resident in New York, under auto, homeowners, renters, workers’ compensation, and certain other lines of commercial insurance. DFS requires property and casualty insurers to provide the following relief to consumers and small businesses who can demonstrate financial hardship due to COVID-19:


  • Provide a 60-day grace period for the cancellation, conditional renewal or non-renewal of a policyholder’s insurance policy;
  • Allow premiums due but not paid during the 60-day period to be paid over the course of the following year in 12 equal monthly installments; and
  • Waive any late payment fees, and not report late payments to credit rating agencies, during the 60-day period.


**This government policy is somewhat confusing because the deferred payment is actually deferred over the current policy period. Please call the office 585 589-6236 to find out your carrier’s policy on deferment.


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