The Lofrumento Agency Blog

Topics of interest inspired by real life events impacting our family and customers in the Clifton Park, NY area and beyond.

Long Term Care Insurance Considerations

Many people ask me about long term care insurance and wonder if it’s right for them. The first thing to realize about long term care insurance is that, in most cases, it’s not about you. “What do you mean, John?” I mean that in most cases, if you need care, you’re...

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Reasons Not To Lapse Your Auto Insurance

It’s common knowledge that New York State requires us to have Auto Insurance for our vehicles. Unfortunately, during the pandemic, many people lost their income and had to make some difficult decisions on which bills to pay. For some, Auto Insurance was one of the...

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Does Car Insurance Cover Rental Cars?

Does Car Insurance Cover Rental Cars? I'm commonly asked if car insurance covers rental cars. It’s important that we clarify the question because it could be interpreted two ways. Will my personal auto insurance cover me while driving a rental car? If I have an...

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What is “Full Coverage”?

When you purchase Auto Insurance, you want to make sure that you have the coverage you need in case you’re involved in an accident. That’s why you have Auto Insurance after all, right? As with most types of insurance, and most products in general, there are a variety...

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Remembering 9/11… 20 Years Later

Our world changed forever at 8:46am on September 11, 2001 - the moment the first airplane struck the World Trade Center. Less than hour and twenty minutes later, at 10:03am, the fourth, and final plane crashed into a rural field in Pennsylvania. Twenty years later, I...

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Defensive Driving Discount

Lower your Auto Insurance payment by taking a Defensive Driving course Everyone wants to pay the lowest amount possible for the auto insurance coverage they need. There are a variety of discounts that you can take advantage of to help you lower your premium. Most...

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Things to know before buying Life Insurance

You know you should buy life insurance but you're not sure where to start, right? There are a lot of options and you might not know how to choose the right one. All you're really looking for is for your family to be financially stable if something happens to you,...

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Telematics is Reinventing Auto Insurance

What is Telematics and how is it reinventing Auto Insurance? Before explaining telematics, I need to provide some background. Historically, auto insurance rates have been generated at the zip code level. This means that a "base rate" is determined for your zip code...

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Should I buy Wedding Insurance?

Planning a wedding is a lot of work. There are countless decisions that need to be made. The floral arrangements, flavor of the cake, music to be played, seating charts, meal options and many more. It’s stressful. One thing you might not think about during the...

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Does My Insurance Cover Roadside Assistance?

You're driving up Route 9 in Clifton Park and you see something in the road. There's a car in the lane next to you and you're unable to swerve. You drive over what appears to be a piece of metal lying in the road and everything seems fine. Five minutes later, as...

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Renters Insurance: Why should I buy it?

Renters Insurance doesn't get the love it deserves. For many, it's an afterthought if your landlord doesn't require you to have it. Renters Insurance is also commonly misunderstood. The best way to think about it is that it's similar to Homeowners Insurance without...

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What is an Umbrella Insurance Policy?

Hint: An Umbrella policy has nothing to do with rain... Umbrella Insurance: Unexpected Financial Burden The reason you probably purchase insurance is to protect yourself from an unexpected financial burden. Commonly, people think of the financial burden of having to...

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True Story: Colliding with the Ground

The Albany area is notorious for potholes big enough to swallow a car! Well, maybe I’m exaggerating a bit but, in all seriousness, potholes can really cause some surprising damage to your car and they can just pop up out of nowhere! I kind of equate it to stepping on...

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Being A Small Business Owner

The crazy life of a small business owner...Being a small business owner has its triumphs and struggles and it’s a way of life like no other. If you’re a small business owner, you know exactly what I mean. Undoubtedly, you’d tell others that it’s awesome because, if it...

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Azuma Sushi Bistro Expansion in Malta

One of my favorite foods is sushi so, naturally, I was excited to hear about Azuma Sushi Bistro’s expansion in Malta. As an Ambassador for the Capital Region Chamber, I get to attend a lot of ribbon cuttings in the area and, since Malta is just a short drive from my...

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Here, I’ll post about everything from common insurance topics to community news and even my personal adventures. Insurance topics are inspired by actual events affecting our customers. The community news is based on the greater Albany, Schenectady, Troy, Saratoga area with a focus on Clifton Park, Ballston Lake, Ballston Spa, Malta and Glenville. My personal adventures will probably focus on my children. Enjoy!

John Lofrumento HeadshotJohn Lofrumento, CFP®, FSCP®, RICP®
President, The Lofrumento Agency
Clifton Park, NY / Ballston Lake, NY

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