FAQ

Have Questions? We’re Here to Help

We’re committed to providing you with the knowledge you need to make the right insurance decisions.

As Bostonians we like to be prepared before we buy anything. From iPhones to headphones, bikes to baby carriages, refrigerators to generators, we read the reviews, do our research and shop around for the best value, not necessarily the lowest price. Why should buying insurance be any different? You have insurance questions, and as the local hometown insurance team we are here to provide the answers. If your question isn’t answered below, feel free to contact us and we will provide you with free insurance advice whether you’re interested in buying a policy from us or not.

What steps do I take if I get into a car accident?

  1. Be prepared for the worst by having an emergency kit in the car that includes hazard triangles, flares and medical supplies. It also helps to have a pen and a card with any relevant medical information for you and your family.
  2. Immediately after an accident, take a deep breath and stay calm. Check for injuries and call an ambulance when in doubt.
  3. Call the police, even if the accident is minor.
  4. If accident is minor, move cars to a safe place, out of traffic. Turn on your vehicle's hazard lights and use warning triangles or flares for safety.
  5. Make immediate notes about the accident, including specific damages to all vehicles involved, witness information, etc.
  6. If the name on an auto registration is different than the driver, jot down the relationship.
  7. State only the facts, and limit your discussion of the accident to the police and your insurance agent.
  8. Do not sign any document unless it's for the police or your insurance agent.
  9. If possible, don't leave the accident scene before the police and other drivers do.
  10. Call us at (617) 492-4150 immediately.

What do I need to know about filing a homeowner’s insurance claim?

First of all, we hope you never have to use this question. For most homeowners having an event that requires you to contact your insurance agent is never a good thing. But fear not, we will be here to help you through every step of the claim process. You have our word that we will have your back right up until you have a claim resolution and are back to normal in your home.

 
Follow these helpful tips
 
  1. If the loss is caused by theft, first notify the police. Notify banks and credit card companies about any missing debit or credit cards.
  2. Review your home inventory to be certain all your valuables are accounted for.
  3. If anyone is injured, report it immediately to your agent. Obtain names and addresses of any witnesses.
  4. If your home is damaged due to a natural disaster, fire or vandalism, separate items that may be cleaned and/or repaired. Keep accurate records of what you spend repairing things.
  5. Check with your claim representative before you discard any items you plan to claim as damaged.
  6. Review your policy for specific coverage information.
  7. Call us at (617) 492-4150 immediately.

What should I put in a personal property inventory?

Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people, you may own much more than you realize. Too many people find out after a loss that they should have increased their coverage amounts or purchased replacement cost coverage. Remember, your homeowners insurance policy covers valuable items such as jewelry, furs, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase Scheduled Personal Property Coverage. Call us at (617) 492-4190 to learn more.

 
Home inventory tips
 
  • List every item of value in your house.
  • Include the serial numbers of all items that have them.
  • Keep all receipts along with a description of the items.
  • Keep a detailed record of antiques, jewelry, major appliances and collector’s items.
  • Continuously update your Home Inventory as you acquire new items.
  • Taking the time to record your personal property in an inventory guide will save you time, money and frustration should a property loss occur. You may want to include a video or photographs of your inventory.
  • Keep a copy of your Personal Property Home Inventory file in a safe deposit box, a fireproof container, or give copies to a trusted family member who doesn’t live in your home.

What steps should I take when I make a new car purchase?

Purchasing a new car should be fun and exciting. So, don’t get bogged down with confusing paperwork; start preparing now. If you are purchasing the vehicle in Massachusetts, most licensed dealers have the ability to register and title the car within their office through the EVR (Electronic Vehicle Registry) process. In this instance, you should simply furnish the dealer with our phone number, (617) 492-4190, and fax number, (781) 751-9081 and then authorize us to process this transaction.

 
Some information that we will need:
 
  • Are you buying a new or used car or leasing?
  • Will you be getting a new plate or transferring an existing plate?
  • What is the year, make and model of the new car?
  • What is the name of the dealership, salesperson, and their phone number?
  • What insurance coverage do you wish to protect your new car with? We can discuss and suggest appropriate coverage and limits with you to ensure you are getting the best and most cost-effective coverage. Click here to see a list of discounts and additional coverage options available.

Should I install an alarm system in my house or condo?

The answer is simply put, YES. With an alarm system installed you’ll get, at minimum, a 5% savings on your homeowners insurance. However, if you install a more sophisticated model that combines a sprinkler system with a fire and burglar alarm that sends an alert to the police, fire or other monitoring station you could be eligible to save another 10-15%. Call us today, (617) 492-4190, to find out more.

 
Here are five reasons why an alarm system is a smart buy for the modern homeowner:
 
  1. Water Regulation – Did you know an alarm system can monitor the important functions of water throughout your building, and quickly report any problems? This can make all the difference in a flooding situation. Your alarm can be connected to your boiler—measuring the amount of water present and notifying you and a plumber if a leak is detected. If you take the time to install sensors on your roof, your alarm system can even pinpoint where and when a leak occurs! Connecting your alarm to your home’s water system can safeguard you from burst pipes and flood damage as well as ensure your boiler is kept in tip-top condition.
  2. Climate Control – If you have a smart thermostat, you can connect that to your alarm system as well. This allows you to preset your home’s climate control for different settings, such as leaving the house for errands or for an extended period of time. This will even allow you to control your thermostat remotely to prevent any mistakes.
  3. CO2 and Fire Detection – By connecting your CO2 and smoke detectors to your alarm system the appropriate authorities are automatically notified, allowing you to constantly ensure the fastest possible response time.
  4. Gas Leaks – Not only can alarm systems connect to CO2 and smoke detectors, but they can also be set to detect gas leaks for another level of protection whether you are home, at work, or on vacation.
  5. Home Protection – The most obvious is an alarm system is still the best way to keep unwanted visitors from entering your house! Today, these systems are advanced enough that not only will they notify you when your doors or windows are ajar, but you can even lock or unlock your door remotely.

Does my roommate need their own renters insurance?

It’s common in Boston for people to share an apartment and split the living expenses. It’s even more common for three, four and sometimes more unrelated people to all live under one roof. The question is who is responsible if someone is hurt inside your apartment, if there is a theft or your home is damaged due to a burst pipe, ice dam or some other unpredictable catastrophe? Call us at (617) 492-4190 to learn how to protect yourselves and each other from such occurrences.

 
Here are five things to help you and your roommate understand the insurance implications of living together:
 
  1. Your roommate does not have to be on the lease to be added to the renters insurance policy.
  2. A maximum of two unrelated people can be on a single policy, which means that a third or fourth roommate will need to buy a separate renters insurance policy.
  3. There’s no extra charge to add a roommate, so your insurance premium should not change. You may want to consider Scheduled Personal Property coverage if you both have a lot of valuables. This is still a cost-effective alternative to protect your belongings.
  4. Theft by a roommate—or intentional damage—is not covered by your renters insurance, whether they’re on the policy or not.
  5. If you ever need to file a claim, the check will be made out to both roommates. This means that even if the money covers damage to your belongings only, not your roommate’s, your roommate will still need to co-sign the check.

What steps should I take when I make a new car purchase?

Purchasing a new car should be fun and exciting. So, don’t get bogged down with confusing paperwork; start preparing now. If you are purchasing the vehicle in Massachusetts, most licensed dealers have the ability to register and title the car within their office through the EVR (Electronic Vehicle Registry) process. In this instance, you should simply furnish the dealer with our phone number, (617) 492-4190, and fax number, 781-751-9081 and then authorize us to process this transaction.

 

Some information that we will need:

 

  • Are you buying a new or used car or leasing?
  • Will you be getting a new plate or transferring an existing plate?
  • What is the year, make and model of the new car?
  • What insurance coverage do you wish to protect your new car with? We can discuss and suggest appropriate coverage and limits with you to ensure you are getting the best and most cost-effective coverage. Click here to see a list of discounts and additional coverage options available.
  • What is the name of the dealership, salesperson, and their phone number?

Should I install an alarm system in my house or condo?

The answer is simply put, YES. With an alarm system installed you’ll get, at minimum, a 5% savings on your homeowners insurance. However, if you install a more sophisticated model that combines a sprinkler system with a fire and burglar alarm that sends an alert to the police, fire or other monitoring station you could be eligible to save another 10-15%. Call us today, (617) 492-4190, to find out more.

 

Here are five reasons why an alarm system is a smart buy for the modern homeowner:

 

  1. Water Regulation – Did you know an alarm system can monitor the important functions of water throughout your building, and quickly report any problems? This can make all the difference in a flooding situation. Your alarm can be connected to your boiler—measuring the amount of water present and notifying you and a plumber if a leak is detected. If you take the time to install sensors on your roof, your alarm system can even pinpoint where and when a leak occurs! Connecting your alarm to your home’s water system can safeguard you from burst pipes and flood damage as well as ensure your boiler is kept in tip-top condition.
  2. Climate Control – If you have a smart thermostat, you can connect that to your alarm system as well. This allows you to preset your home’s climate control for different settings, such as leaving the house for errands or for an extended period of time. This will even allow you to control your thermostat remotely to prevent any mistakes.
  3. CO2 and Fire Detection – By connecting your CO2 and smoke detectors to your alarm system the appropriate authorities are automatically notified, allowing you to constantly ensure the fastest possible response time.
  4. Gas Leaks – Not only can alarm systems connect to CO2 and smoke detectors, but they can also be set to detect gas leaks for another level of protection whether you are home, at work, or on vacation.
  5. Home Protection – The most obvious is an alarm system is still the best way to keep unwanted visitors from entering your house! Today, these systems are advanced enough that not only will they notify you when your doors or windows are ajar, but you can even lock or unlock your door remotely.

Does my roommate need their own rental insurance?

It’s common in Boston for people to share an apartment and split the living expenses. It’s even more common for three, four and sometimes more unrelated people to all live under one roof. The question is who is responsible if someone is hurt inside your apartment, if there is a theft or your home is damaged due to a burst pipe, ice dam or some other unpredictable catastrophe? Call us at (617) 492-4190 to learn how to protect yourselves and each other from such occurrences.

 

Here are five things to help you and your roommate understand the insurance implications of living together:

 

  1. Your roommate does not have to be on the lease to be added to the rental insurance policy.
  2. A maximum of two unrelated people can be on a single policy, which means that a third or fourth roommate will need to buy a separate rental insurance policy.
  3. There’s no extra charge to add a roommate, so your insurance premium should not change. You may want to consider Scheduled Personal Property coverage if you both have a lot of valuables. This is still a cost-effective alternative to protect your belongings.
  4. Theft by a roommate—or intentional damage—is not covered by your rental insurance, whether they’re on the policy or not.
  5. If you ever need to file a claim, the check will be made out to both roommates. This means that even if the money covers damage to your belongings only, not your roommate’s, your roommate will still need to co-sign the check.

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