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In addition to homeowners
and automobile, we also write flood coverage and policies for rented dwellings, boats, umbrella liability, and
scheduled personal property such as jewelry, silver, etc.
Homeowners Insurance: (Get a quote online!)
 For the home you own, the most
important figure in determining proper insurance protection is the home's replacement
cost, not the market value nor the tax assessed value. We will visit your house and,
taking into account the square footage, construction quality, and built-in features,
determine an appropriate replacement cost using an industry-standard calculation method.
You will get a print-out of that estimate with no obligation.
Which company should you be insured with? The answer will
vary according to your particular needs. Do you know the differences between
"replacement cost," "guaranteed replacement cost," and "actual
cash value" coverages? We'll be happy to explain them. If you live near the shore,
are you willing to accept a higher deductible for windstorm and hail? Our experience with
the Massachusetts F.A.I.R. ("Fair Access to Insurance Requirements") Plan lets
us insure even homes right on the beach, when other companies decline to.
What company insures your cars? Some companies will offer a
discount on the homeowners policy if they also write the autos.
For some of our clients, the CNA's Universal Security
Policy (USP) has been the policy of choice. This one policy can cover your home, rental
property, watercraft, scheduled personal property, and excess personal liability. Unlike
most homeowners policies which provide separate and distinct limits for the dwelling,
other structures, and personal property, the USP provides one limit (1.6 to 2 times the
replacement cost of the home) which can be used for any or all of these as needed, giving
you much greater flexibility at time of loss. The Elite version of the USP offers some of
the broadest coverages available in the industry.
Always consult the actual policy language for exclusions
and limitations.
Renters Insurance: Don't
own a home? You may still want a tenant's homeowners policy to cover your personal
property and personal liability. These inexpensive policies provide important coverages no
one should be without. Get a quote online!
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Automobile Insurance:(Get
a quote online!)
 Massachusetts automobile insurance is unique in the world! While
every company starts with the same rates, there are various discounts and deviations
available for members of approved groups and drivers with particularly good records. We
can check your driving record on-line to be sure you get the best deal for your dollar.
Coverages are also supposed to be the same with every
company, but we can tell you of special programs some companies offer to expedite your
claim settlement. One company can take your claims by toll-free phone 24 hours a day and
even dispatch help to you if you break down! We'll be happy to provide the details.
Various payment plans are available as well, including some
with no finance charge. If you don't like writing a check every month, Electronic Funds
Transfer might interest you.
We can also prepare your paperwork for the
Massachusetts Registry of Motor Vehicles
and answer many of your Registry questions.
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Flood Insurance:
 We have all the current local flood maps on hand to
help determine your flood zone and obtain the appropriate coverage, whether in the regular
or the preferred program.
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