Insurance Add-ons

Auto Insurance Add-ons

Rental Coverage or Substitute Transportation: (part 10)
Provides money to rent a car when yours is damaged in an accident or someone steals your car. This coverage does not cost much but provides you with a much better policy come accident time. It takes away the stress of getting your car fixed immediately and in the meantime you will have a car to continue your daily routines. Remember how important a car is in your everyday life.
Limited Collision: (part 8)
You're thinking of removing full collision coverage because of the high cost. If your car is getting older, and its value is declining, this coverage is the answer for you!! It only costs a few dollars for this coverage. Limited collision pays for collision damage to your car if you are 50% or less at fault and you can identify the owner of the other vehicle. It's all or nothing, and your insurance company will pay you directly, even if the other vehicle is without insurance. Without any collision you are on your own. Your insurance company will not help. You have to go after the other parties insurance company yourself, which believe me is not an easy task, or in the case that the other vehicle was uninsured you will have to try and collect from that party yourself. Good Luck!!
Bodily Injury Caused By An Uninsured Motorist: (part3)
Protects you and household members against losses caused by an uninsured or unidentified (hit & run) driver. Even covers you as a pedestrian. It makes good sense to carry as much here as you have on your bodily injury coverage to others. In recent years the cost has come down considerably. Remember there are many uninsured motorists, and irresponsible people who would flee from an accident scene to avoid responsibility. Purchase proper coverage to protect you and your family.
Bodily Injury Caused By An Underinsured Auto: (part12)
Pays for bodily injury damages to you, household members, and passengers, unless they have a policy of their own, or are covered by a Mass auto policy of another household member with similar coverage. It pays you up to the difference between the total amount collected from the liable person's insurance and the amount that you carry on your policy. Here again it makes good sense to carry the same amount as you do on your bodily injury coverage to others. Purchase proper coverage to protect you and your family. Don't depend on the other "guy" to have proper coverages come accident time.
Optional Bodily Injury to Others: (part5)
Pays if you are liable and hurt someone else in your car, another car, or a pedestrian. Please be advised to carry as much liability coverage as you can afford. If you have assets to protect, or earn a good living, limits of 100/300 or 250/500,000 are important. The more you make or have, the higher the limits you need. I feel this coverage and the two prior mentioned liability coverages are the most important decisions you will make when choosing your auto insurance coverages. Choose wisely.

*** The above discussion of coverages is a brief statement of coverages for illustration purposes, it is not intended to be or replace the wording of coverages as appears in the Massachusetts Auto Policy itself.

Homeowner's Insurance Add-ons:

Do you have a home office?
If so you need to call us so we can add the proper endorsement to you homeowners policy. The current home policy limits personal property used at any time or in any manner for business purposes while on your premises to $2,500 and off premises to a maximum of $250. Not much coverage. For a small cost we can probably cover your business "stuff". Don't delay call your agent to discuss your situation before a loss happens!!
Flooding is not covered by a homeowners policy.
We can give you flood insurance for a reasonable cost. Remember all the problems throughout the country with flooding this year. If you are at any risk don't delay purchase flood insurance now!!
Earthquake damage is not covered.
Unless you endorse your policy to provide coverage. The cost is small if an earthquake happens in our area. Scientists say earthquakes are likely to happen in Massachusetts.
Don't forget to Schedule your Valuables.
All home policy have special limits of liability for items such as jewelry, watches and fur items. Also limits apply to boats, money, firearms, trailers, silverware, gold ware and other items. See your policy for a full list or consult your agent for the exact limit amounts. These items can be fully covered for a small additional premium. Ever worry about loosing a ring or not wearing your fur to dinner for fear of the coat check room loosing it, and of course they take no responsibility for the fur!! Just schedule it on your policy, and enjoy using your valuables.