Our agency has been in business since 1981 and we have a very experienced staff. We will ask questions and then listen to you so we can understand your personal insurance needs. We then offer you policies that provide proper protection. We do not believe in offering coverage that is not needed or not appropriate. However, we also understand that needs may change over time. You may need several changes in one year, yet no major changes in other years. We understand that we work with you to keep you properly protected. When we ask a lot of questions, it is because we need to understand what protection you need, even if you may not be aware of it. By understanding your needs, we can make suggestions for you to consider. Every client is an important client...so give us a try.
Even a good driver can lose control in bad weather. You can be sued if you or someone driving your auto is found responsible for causing serious injury or property damage to another. The liability coverage you purchase should be enough to protect your assets. Your legal defense and any resulting claim payment is capped based on the liability coverage you purchase.
You can choose to cancel your home insurance once your mortgage is paid off, but by doing so you assume all expenses related to any losses on your property such as a fire, a burglary, or injury lawsuit. Considering the cost to rebuild and furnish a home, it is not wise to cancel this policy.
You can delete the collision and comprehensive coverages from your car once your loan is paid off. However, in Massachusetts, you must purchase and maintain at least Compulsory liability as required by state law. You could then be responsible to pay for repairs to your car caused by an accident, vandalism, hit and run or theft. Think twice and speak to your agent before removing these valuable coverages. Can you afford to replace your car?
The amount of insurance you purchase on your home should be equal to the cost to rebuild it after a serious fire. The age, size and details are used to determine the estimated replacement value. Your tax assessment should not be used and neither should you use the market value. Both of these values include the land, but the homeowners policy excludes land and only cares about the building. Homes are insured based on the cost to rebuild them and it is wise to insure them to 100% of the replacement value.
All policies are issued using information from the Registry of Motor Vehicles. If you pay traffic fines for violations such as speeding, failure to stop at a stop sign or light, expired inspection sticker or registration, each of these will appear as chargeable points on your policy. If you are considered at fault in an accident, you will also have points added to your policy. It does not matter what company you purchase a policy from; the Registry of Motor Vehicles will also provide them with the same information.