Blog
Who’s Responsible?
Who’s responsible for repairing home service lines? It may come as a surprise, but repairs to water and sewer service lines that run from your home to the street are the homeowner’s responsibility. There’s more. The repairs, or replacing the lines if necessary, are not covered by most homeowners policies. The solution is easy. All…
Read MoreIt’s not my Sidewalk
It’s not my sidewalk …what homeowners need to know about snow and ice removal A 2010 Supreme Judicial Court decision made it mandatory for property owners to remove dangerous amounts of ice and snow or be liable for any injuries that occur. And, yes, property includes the section of the public sidewalk in front on…
Read MoreCHANGE – It’s Necessary
The world has changed. Has your homeowners kept up? Going out to dinner is fun, but failing to review your homeowners and auto insurance can cause more discomfort than a case of indigestion. Here are just a few questions that deserve attention: 1. When was the replacement cost analysis performed on your home?…
Read MoreUnderstanding ACCIDENT FORGIVENESS
It always seems like a double whammy. After the trauma of an auto accident, insurance premiums escalate. Now, many insurance companies offer “Accident Forgiveness.” If your insurance policy has an Accident Forgiveness feature, the insurance company agrees not to factor an accident into the calculation of your premiums. It can be offered as part…
Read MoreTURKEY FRYER SAFETY
No one wants the Thanksgiving Day holiday marred by an avoidable home accident. With the growing popularity of turkey fryers, accidents can happen. They can be unsafe. Turkey fryers look like a large commercial coffee pot and are filled with oil heated to 350º Fahrenheit. Turkeys are placed in the hot oil for frying.…
Read MoreRemember your chimney
If you’re like so many other New Englanders, a fireplace is sheer enjoyment. Unfortunately, many chimneys are ignored because we can’t see what’s going on inside them. The Chimney Safety Institute of America offers suggestions of how to care for chimneys to help avoid fires: • Have an annual chimney inspection and cleaning by a…
Read More9 common home insurance exclusions!
What is and isn’t covered under your homeowners insurance depends on your type of policy. It’s important to know what isn’t covered so you can add supplemental insurance or find other ways to cover potential losses. Here are nine common exclusions: 1. Flood and sewer-system issues Your home insurance policy typically covers certain types of…
Read MoreAll WATER DAMAGE is NOT the same
Even though all water damage may look the same, insurance companies look at it differently. From a coverage perspective, such damage is either gradual or sudden. Homeowners insurance covers sudden damage. For example, damage caused when a pipe under the sink bursts, damaging the hardwood flooring or damage resulting from rain when a tree…
Read MoreBETTER Protection for Coastal Properties
BETTER Protection for Coastal Properties We now offer COASTAL HOMEOWNERS INSURANCE that’s priced competitively with the Mass Fair Plan for properties NEAR THE WATER!! But with BETTER COVERAGE – full replacement cost protection and, many times, no additional wind, hail or named storm deductibles! Contact us now for more information at 617-698-7850 or by email.
Read MoreRetirement Check-Up
IMPORTANT: Do you have a written retirement income plan? Has it been tested against stressors like longevity, inflation, and taxes? Do you know exactly how much you’ll need to save to have a safe and secure retirement? Our proprietary “Retirement Check-up” will not only stress test your current plan but provide you with a written,…
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