1. HOMEOWNERS INSURANCE EXCLUDES FLOOD. All homeowners insurance policies exclude flood. Subsurface water of all kinds is also excluded from the policy. If the home has water in the basement, you need a sump pump! You may be able to…
Yes!… Well, maybe!… It depends!… In Insurance there can be a lot of ‘clear as mud’ answers. We’ve all been there. You are driving down the interstate behind a big tractor trailer that kicks up a huge ROCK …or something…
Homeowners Insurance typically includes Personal Property Coverage, or Coverage C on your policy. Personal property is the contents in your home, as well as items kept ‘off-premises’. This would include property in a STORAGE UNIT or at another location. Coverage…
Massachusetts Auto Surcharge Threshold What is the Massachusetts Auto Surcharge Threshold and how does it apply? It’s a cold snowy New England morning and you are on a merry drive down Route 3. Suddenly, you hit a patch of black…
The deductible on your auto insurance is the amount you are responsible for before the insurance company pays out on a loss. Auto insurance deductibles are on a per claim basis. This means the deductible would apply every time you…
Why having the wrong insurance could cost you EVERYTHING. Accidents happen. You can be a very safe driver but if your vehicle malfunctions or weather conditions create a hazard, accidents can happen (and they do!). A typical settlement after a…
How much does home insurance cost in Massachusetts? When you buy a home there are a number of costs associated with the closing. You will most likely need to provide a down payment to the bank, hire a home inspector,…
So you’ve had some damage at your home and you are trying to decide if you should file a homeowners insurance claim with your insurance company. You have paid your insurance premiums every year and when you have damage to…
With summer break comes summer travel, which for many families can mean…that’s right… ROAD TRIPS! As you cross state lines, the state insurance requirements may change (both New Hampshire and Virginia do not require you to carry auto insurance at…
Have you ever bought a house? Chances are if you are reading this, you have. There is a lot going on when you are trying to purchase a new home. -Home Inspections -Endless paperwork required by the loan originator -Selling…