Massachusetts, so far, has had an exceptionally mild winter. Winter, however, is hardly over. It’s not too late to prevent winter home damage.

For MA home insurance rates, call or click us today!

Check your outlets and all electrical holiday decorations for potential fire hazards such as frayed wires or loose connections. Do not overload the outlets, extension cords or surge protectors.
Check and clean your heating system to make sure it is in good working condition for the winter months. This is generally a job best performed by a professional.
Keep adequate fuel reserves on hand because fuel carriers might not be able to refuel for several days during severe weather.
Close off and lower the temperature in rooms that are not in use. Make sure there is sufficient heat to prevent the freezing of water pipes.
Insulate pipes that pass through unheated areas. Your home’s crawlspace and attic are two such areas.
Clean or replace your furnace filter before the heating season begins.
Clean the clothes dryer exhaust duct and space under the dryer. This prevents lint from accumulating and reduces the risk of fire.
Service snow removal equipment, and keep ice melting compound on hand to melt ice on walkways.
Set the heat in your home no lower than 55 degrees.
Remove screens from windows, and install storm windows.
Protect your roof against heavy snow and ice loads. Keep gutters clean and roof drains open.
Inspect washing machine hoses periodically, and replace hoses that show signs of wear or leakage.

Home insurance rates in Massachusetts are “all over the map,” just as auto insurance rates are in the state.

That’s why, more than ever, it’s a great time to shop for home insurance rates.

Many factors go into establishing your home insurance rate. Factors include: coverage, age & condition of home, insurance loss history and, in some cases: insurance score.

Your insurance score is a combination of insurance history and credit score.

Unlike auto insurance in Massachusetts, insurers are allowed to use insurance scoring when establishing the insurability and premium the company offers.

We recommend you shop your MA home insurance with a professional, independent Massachusetts insurance agent.

By getting a MA home insurance quote from us at HomeownerQuote.com, you are utilizing the power of the MA indepedent agent.

Call or click us today!

Massachusetts Home Insurance

On extremely cold days, take the following precautions to help prevent freezing pipes and resulting water damage:

- Maintain higher than normal temperatures (65 degrees +).

- Turn on your faucets and let the water trickle constantly.

- Open cabinet doors under the sinks. This will allow the heat to warm the pipes.

- Insulate pipes. Insulation goes a long way toward preventing freeze ups.

- Your exterior faucets used for your garden hoses should be shut off from inside your basement and left open (even if you have freeze-proof sill cocks).

This holiday season be fire smart.

Following please find some Christmas Tree Safety Tips:

Choose a tree with fresh, geen needles that do not fall off when touched.

Place tree at least three feet away from any heat source, like fireplaces, radiators, candles, heat vents, space heaters, or lights.

Make sure tree is not blocking an exit.

Be sure to add water daily to the tree stand.

Use lights that have the label of a testing laboratory. Some lights are only for indoor or outdoor use.

Replace any lights with worn or broken cords or loose bulbs.

Never use lit candles to decorate the tree.

Always turn off Christmas tree lights before leaving home or going to bed.

What is the Replacement Cost of your home? On the standard homeowner insurance policy, the coverage A, dwelling amount should represent the replacement cost of your home.

The replacement cost should be the construction cost of the home minus things such as land, driveway and foundation.

Insurance companies usually require homes be insured for 100% of estimated replacement cost.