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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…

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…

  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?…

  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…

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.…

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…

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…

The gas explosions in the Merrimack Valley are a painful reminder that natural gas can be dangerous. Here are some tips from fire and safety professionals: What to do when you smell gas: • Leave, notify others in the building, get to a safe location, and call 911 • Don’t touch any light switches, use…

  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…

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.