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Important Flood Information!

While fire may be a more common concern among homeowners, your home could in fact be as much as ten times more likely to be damaged by water than by fire.* Significant sources of water damage to one’s property can come from weather-related moisture or flooding, including flooding from heavy rains, flash floods, dam and levee failures, tidal storm surges and mudflows. In addition, new construction of buildings, roads or bridges can alter the flow of water, increasing the potential for flooding. Living in ...

Why should you use a Trusted Choice, Independent Agent

Here is a short video that explains why you should ALWAYS use an Independent Agent when purchasing insurance. https://vimeo.com/177560672

What are the cheapest/most expensive vehicles to insure?

From our friends over at Safety Insurance. The cheapest 2015 models to insure include two minivans, seven sport-utilities and the tiny Smart ForTwo, according to an Insure.com ranking of the most and least expensive vehicles to insure. The Jeep Wrangler Sport 4WD repeated its cheapest-to-insure title, with an average rate nationwide of $1,134. Since car insurance rates vary widely by state, the same owner of that 2015 Jeep Wrangler would pay as little as $694 a year in Maine or as much as $2,027 in Michigan. A GT-R buyer ...

Flood facts that you need to know

* Everyone lives in a flood zone. *Homeowners Insurance does NOT cover flood damage. *Just an inch of water can cause THOUSDANDS of dollars in damage. *Flash floods often bring walls of water 10-20 feet high. *Hurricanes, winter storms and snow melt are common (but overlooked) causes of flooding. *New land development can increase a flood risk, especially if the construction changes natural runoff paths. *There is a 30 day waiting period before a policy will go into effect. *A policy for a property in a low ...

September is life insurance awareness month.

Did you know that 95 Million Americans have NO life insurance and most people with some coverage, need more than they actually have? The cost to purchase a life insurance policy gets higher as you age. Sooner is better and later may be too late. Contact your local independant insurance agent now to discuss life insurance and how it can protect your family and the ones you love most, in the event that you are no longer able to do so.

What you need to know about shady home contractors, remodeling and hiring day labor.

Ah, summertime, and the living is easy. Perfect for sitting in the shade out back with a cold drink. You may even decide this is the perfect time to finally add that deck, enlarge the patio for cookouts, or put in that new landscaping with a couple of strategically placed trees perfect for a comfortable hammock. But then the nightmare stories of friends and neighbors intrude. Those landscaping contractors who proved trees weren't the only things shady. The day laborer whose total disregard for the ...

Hurricane Preparation. What is covered during a Hurricane or Tornado?

Extreme weather conditions accompanied by hail, destructive high winds and heavy rain are all too common for residents living in Massachusetts and New Hampshire. Learn more about hurricane and tornado insurance coverage before tragedy strikes. Feel confident that you are covered should either of these natural disasters damage your home.

Hurricane insurance coverage

Homeowner policies cover most of the damage caused by a hurricane with the exception of flooding. However, most companies also have a higher policy deductible for wind losses. The homes ...

Sinkholes- Are you covered?

The answer is, unfortunately, "Probably Not"...and the results can be devastating. The most common homeowner insurance policies specifically exclude coverage for "Earth Movement" which includes: a. Earthquake, including land shock waves or tremors before, during or after a volcanic eruption; b. Landslide, mudslide or mudflow; c. Subsidence or sinkhole; or d. Any other earth movement including earth sinking, rising or shifting If you think that you dont need coverage for Sinkhole here in Massachusetts, it would be wise to think again. Massachusetts has already ...

Are your holiday gifts covered?

Did you receive jewelry or other expensive items over holidays? Don't forget to contact your agent to get them added to your insurance policy!

Does your family have an emergency game plan?

In the next nine minutes, someone's life will be changed by an emergency. Disasters can happen anytime, anywhere – are you prepared? Keep your family safe with helpful tips and tools at redcross.org. Be Red Cross Ready Checklist I know what emergencies or disasters are most likely to occur in my community. I have a family disaster plan and have practiced it. I have an emergency preparedness kit. At least one member of my household is trained in first aid and CPR/AED. I ...

Not only are insurance fraud & vehicle theft serious crimes but they also cost you $$. Take a look at how to report a tip on possible insurance fraud

Brought to you by the National Insurance Crime Bureau and Safety Insurance. YOU pay the price for fraud and theft through higher insurance premiums. Help ensure that the people who commit these crimes pay the price as well. https://www.safetyinsurance.com/pdf/HotlinePosterFNL.pdf

Golf carts. Liability. Are you covered under your homeowners insurance?

You just can't beat this New England weather. For many of us, it's time to hit the links for a few rounds of golf. Do you stretch your legs and walk the course or do you prefer to rent a golf cart? -What happens if you injure another golfer with the cart? -What happens if you cause property damage with the cart? ...Would your Homeowners Insurance respond to cover the damages? Check your Massachusetts Homeowners Insurance policy to be sure, but...a "vehicle" ...