Home Safety Tips

Our friends at Utica First provide us with the following home safety tips:

  • Be sure not to place candles near curtains, other sources of ignition, or too close to a wall. Also, be sure they are not on a table to ledge or other location that a cat or other pet might bump into them or knock them over. And NEVER leave a candle unattended and be sure to put them out before you leave a room, leave the house, or go to bed at night.
  • Have your furnace/heating system serviced annually and change or inspect filters regularly. It will be more efficient and help reduce the potential for carbon monoxide poisoning in your home. In the winter months, keep your outside vents and heating equipment free from snow and ice.
  • In the winter, use a snow roof rake to remove any sizable buildup of snow from the bottom half of your roof to help prevent ice dams and leaks. And if your house routinely has big icicles, it may benefit from additional insulation.
  • Before winter sets in, have your gutters cleaned of leaves and other debris that could prevent water from draining. Clogged gutters facilitate ice buildup, which can cause ice dams to push water under your shingles and into your home.
  • Do NOT use liquid gas heaters or lanterns inside your home.
  • Maintain clear access to outside propane or oil tanks.
  • If you have inside water shut-offs for your outside spigots, turn them off before the temperatures drop below freezing.
  • If you own a pressure washer, make sure it is fully drained before winter.
  • Take a good look at your yard. Trim overhanging tree limbs and remove any leaning, dead, or diseased trees before they fall.
  • Do you have a wood stove or fireplace insert? Have your chimney and flue inspected regularly for creosote and never leave a fire unattended.
  • Frozen pipes can cause major damage. To help prevent frozen pipes, wrap any exposed piping with insulation sleeves. During times of extremely cold temperatures, keep room, closet, and cabinet doors open to allow heat to circulate in your home.
  • If you are leaving your home for more than a few days, turn off your main water line until you return.
  • Check smoke and carbon monoxide detectors twice a year. So you don’t forget, check them on the same days we set the clocks forward and set the clocks back.
  • And most important – Does every member of your household know what to do in a fire emergency? Be sure to talk with your children about exit routes and exactly what they should do if the fire alarms in your house go off.

Call or click us today to get your free, competitive, Massachusetts home insurance quote.

How can I save money on my home insurance?

Save money on home insurance

How can I save money on my home insurance? If this were the Family Feud we’d say: 100 people surveyed, top 8 answers are on the board!

Let’s hear it for:

Consider larger deductibles. Different property deductibles are available for choosing; $250, $500, $1000 and $2,500 deductibles are available. Savings in increments of 10% are commonplace per deductible.

Try to remain in the Voluntary Market! Insurance Companies reserve the right to insure or renew properties. If you have had a few losses within the past couple of policy years your insurance company may decide to not renew you.

The MPIUA (Massachusetts Property Insurance Underwriting Association) offers  insurance to properties that are not insurable on the voluntary market. The cost to insure with them is usually considerably more expensive than the consumer will find on the voluntary market.

Some of the credits that are available to insurers are:

Protective Device Credits … starting with deadbolt locks, extinguishers, and smoke detectors are available. Larger credits are available for Local and Central Station burglar and fire protection systems.

Non-smoker credits … if you and household members are non-smokers some companies offer discounts to non-smokers.

Loss Free Year Credits … if you have not had any losses in multiple years some companies offer “Loss Free Credits.” Check with your Independent Insurance Broker to see if you qualify for any companies’ programs.

Home Renovation/New Home Credits … if you have renovated your home within the past 10 years some companies offer Renovation Credits. If you are buying a new home, some companies offer large New Home credits.

Account Discounts … some insurance companies offer 10% “Account Discounts” if you insure your home and auto with the same company … in addition, some companies may waive service charges.

Shop Around!

Different companies offer different discount programs for different properties and property owners. Shop around with different companies to see who is offering the best deals. HomeownerQuote utilizes the power of your local, independent Insurance Agent to find you the best rates & service!

Bad Dog!

Dog coverage  on your home insurance policy

Personally, I love dogs.

As your friendly neighborhood insurance agent, professionally, do I love dogs?

Not so much.

Sadly, dog bites are a common cause for claims on home insurance policies. Sometimes big claims. With dogs, anything from playful nips and serious, provoked biting attacks can cause injuries. As any dog owner knows, every dog has a threshold that can trigger the animal to bite. Some breeds of dogs are considered to be more at risk and harder to insure than others, including:

  • Akita
  • Doberman pinscher
  • German shepherd
  • Pit bull
  • Rottweiler
  • Staffordshire bull terrier

Do you have coverage for your Dog?

In addition to certain breeds, your homeowners insurance may have exclusions for dogs that have been designated as dangerous or even exclude coverage for dogs altogether, regardless of their reputation or lineage.

Before you get a dog, give your agent a call to see if your new, best friend is on your company’s “do not insure” list!

Animal Liability Coverage

Certain dog breeds aren’t the only prejudiced against pets on the standard home policy.

Think twice before you think you can invite the following critters onto your coverage:

  • Alligators
  • Amphibians: frogs, toads, salamanders and newts
  • Apes, non-human primates
  • Bears
  • Cockatiels
  • Coyotes, fox, hyenas, wolves and wolf-dog hybrids
  • Hares
  • Hedgehogs
  • Raccoons, skunks
  • Sugar gliders
  • Wild felines: lions, tigers, bobcats and ocelots
  • Reptiles: lizards, snakes, tortoises, turtles

Think: Higher Deductible

money

When it comes to home insurance, our MA Independent Insurance Agency often recommends higher deductibles to save money. With no losses, these savings are, literally, money in the bank.

In addition to savings, higher deductibles force one to self-insure the smaller claims. By avoiding submitting claims, consumers preserve their “loss free” credits. By avoiding claims companies are less likely to non-renew, allowing consumers to stay in the voluntary, competitively priced home insurance market.

How Can I Save Money on my Massachusetts Insurance?

Save Money on MA Insurance!

Consider larger deductibles. Different property deductibles are available for choosing; $250, $500, and $1000 deductible are available. Savings in increments of 10% are commonplace per deductible.

Try to remain in the Voluntary Market! Insurance Companies reserve the right to insure or renew properties. If you have had a few losses within the past couple of policy years your insurance company may decide to not renew you.

The MPIUA (Massachusetts Property Insurance Underwriting Association) offers  insurance to properties that are not insurable on the voluntary market. The cost to insure with them is usually considerably more expensive than the consumer will find on the voluntary market.

Some of the credits that are available to insurers are:

Protective Device Credits … starting with deadbolt locks, extinguishers, and smoke detectors are available. Larger credits are available for Local and Central Station burglar and fire protection systems.

Non-smoker credits … if you and household members are non-smokers some companies offer discounts to non-smokers.

Loss Free Year Credits … if you have not had any losses in multiple years some companies offer “Loss Free Credits.” Check with your Independent Insurance Broker to see if you qualify for any companies’ programs.

Home Renovation/New Home Credits … if you have renovated your home within the past 10 years some companies offer Renovation Credits. If you are buying a new home, some companies offer large New Home credits.

Account Discounts … some insurance companies offer 10% “Account Discounts” if you insure your home and auto with the same company … in addition, some companies may waive service charges.

Shop Around!

Different companies offer different discount programs for different properties and property owners. Shop around with different companies to see who is offering the best deals. Your local, independent Insurance Broker uses numerous companies to find you the best rates & service!

Home Insurance Credits

Massachusetts Home Insurance Discounts

Everybody loves a discount.

When shopping for home insurance in Massachusetts, consider these basic home insurance discounts:

Protective Device Credits – starting with deadbolt locks, extinguishers, and smoke detectors are available. Larger credits are available for Local and Central Station burglar and fire protection systems.

Non-smoker credits – if you and household members are non-smokers some companies offer discounts to non-smokers.

Loss Free Year Credits – if you have not had any losses in multiple years some companies offer “Loss Free Credits.” Check with your Independent Insurance Broker to see if you qualify for any companies’ programs.

Home Renovation/New Home Credits – if you have renovated your home within the past 10 years some companies offer Renovation Credits. If you are buying a new home, some companies offer large New Home credits.

Account Discounts – some insurance companies offer 10% “Account Discounts” if you insure your home and auto with the same company . in addition, some companies may waive service charges.

Is Your Home Construction “UP TO CODE?!?”

MA Home Inspection

When you house, garage, barn or other premises is damaged in a covered insurance loss, you are paid to replace the same type of materials as were damaged.

If your town or city passes building construction and repair codes that require upgraded or different materials than those presently used in you current building construction, the additional cost of “bringing your home up to code” after a loss could be staggering.

Typical code requirements involve plumbing & heating equipment, wiring, and even roofing materials!

This additional cost of upgraded materials to repair to “code” is not covered under many homeowner policies.

GOOD NEWS! This important coverage can be purchased on your MA home insurance policy.

Call or click us today!

Massachusetts Home Insurance Rates

MA Home Insurance Rates

In 2012, the Boston Globe reported: “insurance companies are raising rates to offset a big jump in claims related to damage caused by tornadoes, severe snowstorms, and Tropical Storm Irene last year, according to industry executives.”

Since then, rates have continued to increase.

All is not lost, however. With the help of your helpful, friendly, independent agent (us!), you still just might be able to save money yet!

HomeownerQuote.com’s: Home Insurance Money Saving Tips:

– Package your home insurance with your auto insurance.

– Review your coverage.

– Consider increasing your deductible.

– We will shop your coverage with multiple companies.

Give us a call for your free, friendly, home insurance review.

Replacement Cost Reminder …

Hotel Lobby

Within the Insurance Industry it is known as “the hidden deductible at claim time.”

Replacement Cost Protection on your Personal Property is vital to ensure you receive money to replace your belongings without depreciation.

The cost for this endorsement is approximately 10% of your policy’s annual premium.

The savings, at claim time, can be in the thousands of dollars.

With this Replacement Cost Endorsement your homeowner’s policy will pay to replace stolen or destroyed unscheduled personal property – old or new – without depreciation.

Call or click us for your free, no obligation Massachusetts home insurance quote.

Home Insurance

HomeownerQuote.com

Our pursuit is to quote your home insurance with numerous companies and show you different coverage and premium options.

Although our humble web log is dedicated to Massachusetts homeowner insurance, you should really be thinking about packaging your auto, home, and umbrella coverage with the same insurance agency.

By buying your insurance through your local, Massachusetts independent agent, you receive the benefit of having someone shop, compare and recommend an insurance program that is right for you and your family.

By packaging your insurance with one agent, you will benefit from account discounts and having someone working for you at renewal, claim or billing time.

Save money by requesting a Massachusetts homeowner insurance quote with us today.

You’ll be happy you did.