Tenant Coverage

October 29, 2015 at 2:33 PM | Posted in Home, Insurance Claims, Insurance Policy, Personal Insurance, Personal Property, Regulations, Renters, Specialty Policy, tenant, tenant policy | Leave a comment
Tags: , , , , , , , , , ,

While renting an apartment, a house or condominium, the dwelling or structure may not be your responsibility but you still have property to protect. The landlord does not carry any coverage on their property policy for you. A tenant policy is also known as HO4 policy, for the tenant who opts to buy coverage to protect their personal property and to obtain personal liability coverage. Most insurance carriers allow coverage as low as $20,000 for personal property and can be purchased for approximately $200 annually. A general guide to determine the amount of coverage needed is to multiply each full room by 10,000 and make necessary adjustments to that figure. Also keep in mind this is a property policy and makes you eligible for the account discount if you also write your auto policy with the same insurance carrier, or with an affiliated company. This policy could respond by replacing your household items, such as clothing and furniture, from loss caused by fire, theft or vandalism.

Ask yourself the following questions:

What if there is a fire in the building? Or if your apartment is vandalized or burglarized?

  • Could you afford to buy your own replacement items?
  • Could you also afford to relocate while building repairs are being made?

The police report will be on file, the fire department will extinguish the fire, but neither will replace your belongings.  If you had purchased a tenant policy in these scenarios, you would need to pay the policy deductible for a covered loss and would be eligible to replace your items up to the limit of coverage you had purchased.

Call us at (888) 850-9400 to obtain the annual rating of this valuable coverage.

It’s That Time of Year to Start Preparing Your Home for Winter

October 22, 2015 at 8:26 AM | Posted in Home, Insurance Claims, Insurance Policy, Personal Insurance, Personal Property, Reminders, Safety Tips, Seasonal | Leave a comment
Tags: , , , , , , , , , , , ,

Beautiful New England foliage is at its peak and the leaves are falling, along with the temperature. Last winter was brutal – who knows what Mother Nature has in store for us this year?? We came up with a list of things for you to consider before winter sets in:

  • Tune Up Time – Snow blowers and generators should be tuned up; check to make sure they’re running correctly.
  • Shovels & Sand– Stock an adequate supply of both.
  • Tree Maintenance – Trim branches away from power lines, your roof and gutters.
  • Heating System & Chimneys – Have these items professionally cleaned before the heating season starts.
  • Clean the Gutters – If your gutters are full of debris, water can back up against the house and damage your roof, siding, and wood trim, and also lead to leaks and ice dams.
  • Inspect Your Roof & Attic– Look for damaged, loose or missing shingles that may cause leaks, especially if you had icicles hanging off your roof last winter, or even worse, suffered from ice dams. Make sure you take preventative measures to fix any air leaks and ensure you have adequate insulation in your attic. Making sure these things are taken care of will prevent any snow melting and leaking into your attic, causing potential water damage to the inside of your house.
  • Divert Water Spouts– add extensions onto your downspouts to divert water away from your foundation to prevent ground water seepage into your basement.
  • Shut-Off Exterior Water Faucets – Drain water from pipes and hoses to prevent them from freezing and bursting.
  • Space Heaters – Inspect all heating appliances thoroughly before using them. Make sure you’re up-to-date on Space Heater safety.
  • Emergency Supplies – Replace and restock before/after power outages. Include batteries, flashlights, non-perishable food supplies, and blankets.

Checking off this list and being prepared for the winter months will help ensure you have a worry free and claim free season. Please feel free to call us with any questions about your coverage and how to best keep yourself protected at 888.852.8500.

Road Hazards

October 8, 2015 at 12:30 PM | Posted in Auto, Insurance Claims, Insurance Policy, Personal Insurance, Safety Tips | Leave a comment
Tags: , , , , , , , , ,

In the auto insurance industry, a “road hazard” can be defined as anything on the road that poses a threat to a driver, placing drivers at risk of being in an accident. Some common examples can be road repair in anticipation of winter, potholes, uneven/unpaved roads, or a foreign object in the road, causing drivers to swerve and possibly lead to an accident.

The frequency of road hazard accidents is at a high, and it’s not just due to a higher population of pot holes; objects being transported on the road risk coming loose if they are not secured properly, in turn posing a risk to drivers and others around them. Now that autumn is upon us, leaves will soon be littering the ground and everyone will be doing fall lawn clean-up, driving to waste yards to dispose of leaves and branches. If yard debris is not tied down with ropes, tarps, or nets, a portion of the load can fall off the vehicle during transit, creating a risk for accidents as drivers may need to swerve to avoid the falling yard debris, or debris left behind in the road.

With the knowledge of road hazards in mind while traveling, please use caution out on the road. Practice road safety. Keep your speed within the speed limit and maintain a safe distance behind any vehicle to avoid upcoming potholes or debris in the road; there’s a chance the driver ahead of you will swerve to avoid such road hazards.

Be sure you know the specifics of what your auto policy covers in the event of an accident. Any damage to your tire or wheel as a result of a pothole is not covered by MA auto policy. In the event of a collision due to a pothole, or coming in contact with anything on the road, auto policies can provide coverage, but you may be subject to a deductible. If you have questions about your auto policy, or would like to discuss your policy coverage in the event of an accident caused by a road hazard, our client representatives are here to give detailed and helpful direction. Call us toll free at 888 – 850 – 9400.

Take Preventive Measures Against Ice Dams Before Winter

September 24, 2015 at 11:41 AM | Posted in Home, Insurance Claims, Insurance Policy, Personal Insurance, Personal Property, Reminders, Safety Tips, Seasonal | Leave a comment
Tags: , , , , , , , , , , ,

With the colder weather approaching, now is the time to start thinking about getting your home ready for the winter; particularly your roof. A roof catches all of the precipitation winter has to offer, and if unprepared, winter can break through its protective barrier and damage your home, using ice dams as its main weapon. Ice dams are a home owner’s nightmare, but taking preventative measures, and educating yourself on how they occur, can help keep your roof secure.

Cycles of warm and cold air closest to the roof are the primary cause of ice dams. Keeping warm air out of your attic, and cold air circulating in, is critical to minimize the warming of the underside of your roof. As a homeowner, there are steps that you can take ahead of time to avoid water damage from ice dams.

  • Insulate the attic floor and put weather stripping around pull-down stairs
  • Increase ventilation in attics by installing eave, soffit, ridge and gable vents
  • Install water and ice shield on the entire roof
  • Install heating coils on the roof

Water damage to the contents in your home resulting from ice dams is not covered by your homeowner’s insurance policy unless you purchase “All Risk on Contents” coverage. If you do not have this type of coverage, or are unsure if you do and would like to discuss more about insuring your home against ice dams, call us at 1 (800) 850-9400.

When It Rains – It POURS!

February 19, 2015 at 9:00 AM | Posted in Home, Insurance Claims, Insurance Policy, Seasonal | Leave a comment
Tags: , , , , ,

With possible rain predicted this weekend, the already heavy snow becomes even heavier. It is very important to clear decks and roofs in order to remove the weight. For anyone needing to file a claim right now, here are some of the most common questions being asked:
Q: Is the cost to remove snow and ice from my roof, deck, or car port covered under my home policy?

A: The cost to remove snow and ice dams from your roof would be considered regular home maintenance and claim prevention. If there is already damage to your home such as interior water due to ice dams, the cost to remove snow and ice would be considered part of the claim. Your deductible would apply.

Q: Is the damage to my roof, windows, and interior walls & floors due to leakage covered?

A: Yes, your deductible would apply.

Q: Is the collapse of a roof, deck, or car port resulting from the weight of ice and snow-covered under my home policy?

A: Yes, your deductible would apply.
Continued removal of ice and snow is important as the season continues. If additional damages are reported that occur after a claim is filed, it will be considered an additional claim.

Call us at 888.850.9400 should you have further questions regarding your policy and the proper coverage you need to protect your home and properties.

Mice, and ants, and squirrels… Oh my!

March 29, 2012 at 9:14 AM | Posted in Home | Leave a comment
Tags: , , , , , ,

Due to this year’s mild winter, the insects and vermin are already on the prowl. Did you know that there is no coverage from your Homeowner policy for damage to your home caused by birds, vermin, rodents, or insects? It is up to the Homeowner to take precautions to prevent this type of damage.

Here are some helpful tips on how to do this:

  • Keep wood piles away from foundations and buildings.
  • Install screens over openings such as attic vents.
  • Have an exterminator treat your home each spring.
  • Check screens and seals on doors and windows for possible gaps or tears.
  • Seal cracks in foundations, exterior walls, and fascia boards.
  • Store foods such as cereals, grains, rice, and other pantry items in airtight containers.

Taking these simple measures can help prevent out-of-pocket expenses for costly repairs, and let you enjoy the early Spring.

Blog at WordPress.com.
Entries and comments feeds.

%d bloggers like this: