Happy Thanksgiving from Our Family to Yours

As Thanksgiving approaches, all of us at FRM Group Insurance and Financial Services want to take a moment to say thank you. We are grateful for the trust you place in us to help protect what matters most. Whether it's your home, your vehicle, your business, your family's future, or your retirement plans, we appreciate the opportunity to serve you. We wish you and your family a Thanksgiving filled with love, laughter, good health, and cherished memories around the table.

Happy Thanksgiving!

Many property owners are surprised to learn that simply continuing to pay their insurance premium does not always guarantee coverage if a property becomes vacant.

If your home, rental property, or commercial building sits vacant for an extended period, your policy may contain vacancy limitations or exclusions that can significantly reduce or even eliminate coverage for certain types of losses.



A property may be considered vacant if:

No one is living in the home for an extended period.

A rental property is between tenants.

A business location is no longer operating.

A property is undergoing major renovations without occupants.

Depending on your insurance policy, losses such as vandalism, theft, water damage, glass breakage, or even fire damage could be affected during a vacancy period.

Before your property becomes vacant:

✔ Let your insurance agent know.

✔ Ask whether you need a Vacant Property endorsement or separate policy.

✔ Review your policy's vacancy provisions.

✔ Take steps to secure and regularly inspect the property.

One quick phone call before a property becomes vacant could help prevent an unexpected claim denial later.

If you have questions about a vacant home, rental, investment property, or commercial building, we're here to help review your coverage.

Cybersecurity Awareness…

Protection Matters All Year Long

Cyber criminals don't take holidays, and identity theft continues to impact millions of Americans every year.

Whether you're shopping online, banking digitally, working remotely, or simply checking email, protecting your personal information has never been more important.

That's why FRM Group Insurance and Financial Services offers Cyber & Identity Protection through CyberScout.

Three levels of protection are available to fit your needs.

Coverage may help with:

• Identity theft recovery
• Credit monitoring
• Fraud resolution assistance
• Data breach support
• Cyber extortion assistance
• Personal cyberattack recovery
• Expert guidance from trained specialists

The right protection can help prevent problems before they happen and provide valuable support if you ever become the victim of a cybercrime.



Ask us which CyberScout protection level is right for you and your family.

FRM IN THE COMMUNITY

2026 Angels for Aging Campaign

This holiday season, we're proud to support the 2026 Angels for Aging Campaign, helping brighten the holidays for seniors throughout our community. Many older adults spend the holidays alone or with limited resources. This wonderful program provides gifts, personal care items, and much-needed encouragement to local seniors.

We invite our clients, families, and community partners to join us in making a difference.

Together, we can help make the holidays a little brighter.

Stroudsburg Area

Local churches and community organizations will once again host Thanksgiving meals for individuals, families, seniors, and anyone in need of fellowship during the holiday.

Thanksgiving meal leads:

MONROE COUNTY, PA -

Stroudsburg • East Stroudsburg • Brodheadsville • Tannersville • Tobyhanna • Surrounding Areas

Greater Shiloh Church

831 Ann Street, Stroudsburg, PA

Hosted a free Thanksgiving meal November 25, 2025, from noon to 4 PM. The 2026 event is not yet confirmed.

570-872-9577

The Salvation Army East Stroudsburg

226 Washington St, East Stroudsburg, PA 18301, United States

Provides free meals and holiday food assistance. Call to ask about Thanksgiving food baskets or meals.

570-421-3050

Stroudsburg Wesleyan Church

915 N 5th St, Stroudsburg, PA 18360, United States

Offers community meals and food pantry services. Ask whether a special Thanksgiving dinner or food distribution is planned.

570-421-0750

East Stroudsburg United Methodist Church

83 S Courtland St, East Stroudsburg, PA 18301, United States

Provides free Monday takeout meals. Call to confirm whether a Thanksgiving meal is planned.

570-421-3280

Additional free community meals and food resources

These are regular programs, not confirmed Thanksgiving Day events.

St. Matthew's Catholic Church East Stroudsburg 570-421-2342

St. Paul's Lutheran Church Tannersville 570-629-1992

Queen of Peace Church Gilbert 610-681-6137

Five Loaf House Pocono Pines 570-646-7456

West End Food Pantry Kunkletown 570-730-6055

Everybody Eats Project Stroudsburg 570-223-4503

These organizations appear in the Eastern Monroe Public Library Food Assistance Directory, which includes regularly scheduled meals and food pantry distributions.

Lehighton Area

Community volunteers and organizations are preparing traditional Thanksgiving dinners for residents to enjoy at no cost.

CARBON COUNTY, PA -

Lehighton • Jim Thorpe • Palmerton • Weissport • Mahoning Township • Surrounding Areas

Ben Salem United Church of Christ | Lehighton Area

570-386-3870 Previous Thanksgiving registration contact: Nancy Meiser, 570-205-9267

In 2025, five area churches joined together to provide a free drive-through Thanksgiving dinner at Ben Salem UCC. Last year's event required advance registration, and meals were limited.

The 2026 event has not yet been confirmed. Contact the church to ask about this year's plans and whether reservations will be required.

All Saints Episcopal Church | Lehighton

610-377-2675 Known for providing free community dinners. Contact the church to inquire about Thanksgiving meals or other November community dining opportunities.

Trinity Evangelical Lutheran Church | Lehighton

610-377-4303 Provides food pantry assistance to qualifying households in the Lehighton area. Contact the church for information about holiday food baskets and November distributions.

Christ Evangelical Free Church | Lehighton

2420 Blakeslee Boulevard Drive West, Lehighton, PA

570-386-4547 Offers food pantry assistance to the community. Call ahead for November distribution information and possible Thanksgiving food resources.

St. Peter's Community Resource Center | Lehighton Area

484-464-4474 Provides food assistance through its Bare Necessities Pantry. Contact the center to inquire about available food support and holiday resources.

Please watch our Facebook page as we share local meal locations, times, volunteer opportunities, and additional community resources throughout November.

FRM Group Insurance and Financial Services

1286 N Ninth Street, Stroudsburg , PA 18360

One Bethlehem Plaza Suite 902, Bethlehem, PA 18018

445 Coal St, Lehighton, PA 18235