You know your house is protected by homeowners insurance, but what about the shed out back, the fence around your yard, or the detached garage where you park your car? Coverage for these structures is often overlooked, and many Massachusetts homeowners do not realize how limited it can be until damage happens. In this blog, we’ll explain how homeowners insurance applies to detached structures, what “other structures coverage” typically includes, and how to make sure every part of your property is fully protected. Continue reading Does Your Homeowners Insurance Cover Detached Structures?
Category: Blog
How Traffic Violations Impact Auto Insurance Premiums
A single ticket might feel like a small mistake, but on your auto insurance bill, it can have a lasting impact. In Massachusetts, traffic violations are one of the biggest factors insurers use to calculate your premiums. Even minor infractions can raise rates, and more serious violations may stay on your record for years. In this blog, you’ll learn how traffic violations affect auto insurance premiums in Massachusetts, how long they stay on your driving record, and what steps you can take to keep costs under control. Continue reading How Traffic Violations Impact Auto Insurance Premiums
Life Insurance for Young Families: Why It’s Never Too Early to Start
When you’re young and just starting a family, life insurance might feel like something you can put off. After all, you’re busy building a home, raising children, and managing the day-to-day expenses of family life. But the truth is, life insurance is one of the smartest and most affordable steps you can take early on to protect your family’s future. In this blog, we’ll break down why life insurance is essential for young families, the benefits of starting early, and how to choose a policy that can grow with you over time. Continue reading Life Insurance for Young Families: Why It’s Never Too Early to Start
Understanding Collision and Comprehensive Auto Insurance
The moment you have to file a claim is the moment you find out whether your coverage is enough. For some drivers, that reality comes after a highway accident. For others, it’s a tree branch through the windshield. Collision and comprehensive auto insurance are two types of coverage every driver should understand, because each protects you in different situations. In this blog, we’ll break down what each type of coverage includes and how to choose protection that fits your vehicle. Continue reading Understanding Collision and Comprehensive Auto Insurance
When to Add Umbrella Insurance to Your Financial Plan
Liability risk doesn’t always look like risk. It can show up in everyday moments—hosting a party, adding a teen driver, or owning a home with a pool. And while your standard policies offer some protection, there are times when they may not be enough. In this blog, we’ll go over when it makes sense to add umbrella insurance to your financial plan, especially as your assets and responsibilities start to grow. Continue reading When to Add Umbrella Insurance to Your Financial Plan
Homeowners Insurance vs. Renters Insurance: What’s the Difference?
Owning or renting your home comes with its own unique set of responsibilities and risks. Whether it’s protecting the structure, your personal belongings, or covering liability if someone is injured, having the right coverage is essential to protecting your finances. In this blog, we’ll break down the key differences between homeowners insurance and renters insurance and what each policy covers. Continue reading Homeowners Insurance vs. Renters Insurance: What’s the Difference?
Protecting Your Home While You’re Away: Insurance Tips for Travelers
Whether you’re heading out for a weekend road trip or an extended summer vacation, leaving your home unoccupied comes with more risk than most homeowners expect. From unnoticed water leaks to break-ins or electrical issues, even a few days away can open the door to costly damage or insurance complications. In this blog, we’ll walk through five practical tips to protect your home while you’re away and how the right homeowner’s insurance can help you stay covered, even when you’re not around. Continue reading Protecting Your Home While You’re Away: Insurance Tips for Travelers
How Life Insurance Fits Into Your Long-Term Financial Plan
Whether you’re building wealth, supporting a family, or planning for retirement, a strong financial strategy isn’t complete without life insurance. It’s one of the most important tools for protecting the people and goals that matter most. In this blog, we’ll highlight why life insurance plays a key role in long-term planning and how to budget for it in a way that supports your unique financial future. Continue reading How Life Insurance Fits Into Your Long-Term Financial Plan
Liability Insurance and Summer Celebrations: What Homeowners Need to Know
Whether you’re hosting a Memorial Day party, a graduation celebration, or just a backyard get-together, inviting guests onto your property comes with more responsibility than most people realize. A slip near the pool, a broken railing, or an unexpected mishap can quickly turn into an expensive problem—especially if someone gets hurt. In this blog, we’ll dive into how liability insurance can help protect you during summer celebrations and what steps you can take to stay prepared. Continue reading Liability Insurance and Summer Celebrations: What Homeowners Need to Know
Why You Should Review Your Auto Insurance Before Buying a New Car
You’ve found the car. You’ve negotiated the price. You’re ready to drive off the lot. But there’s one more step that could save you from expensive mistakes: reviewing your auto insurance. A new car means new coverage needs—and assuming your current policy is “good enough” can leave you exposed. In this blog, we’ll dive into why Massachusetts drivers should always review their auto insurance before buying a new vehicle and what to check before you sign the paperwork. Continue reading Why You Should Review Your Auto Insurance Before Buying a New Car
