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Umbrella Policy: Why You Should Buy

There’s no doubt you’ve worked hard to be where you are today. You’ve saved for retirement, own a home, and own a car or two, maybe even have some toys like a boat or motorcycle. These items identify a successful life for many, and they are also your family’s financial security and future. It is […]

Pothole Damage: Is It Covered By Your Auto Insurance Policy?

Many people aren’t sure if their auto insurance policy covers damage caused by hitting a pothole, and with the current conditions of the roads in Massachusetts, it is a popular topic. The cost to fix or replace tires, wheels, axles, suspension parts, etc. can quickly add up, and in some cases, people have experienced a […]

Accident Forgiveness: What Is It?

There are many add-ons to provide broader and additional coverage to your auto insurance policy, and many people have heard of accident forgiveness, but don’t really know how it would benefit them. In Massachusetts, if you are found to be at-fault in an accident involving property damage or bodily injury, you receive points on your […]

MA SDIP points and how they affect your MA Auto Insurance

The MA Safe Driver Insurance Plan (SDIP) was created in 2006 to replace the old “Step Based” plan that was used prior to competitive auto coming to Massachusetts. The SDIP plan can be a little confusing and most people are unaware how much this rating factor affects their Massachusetts auto insurance policy. The Merit Rating […]

Optional Bodily Injury – MA

Optional Bodily Injury is the most important coverage on an MA auto insurance policy, and many people carry limits of coverage that are far too low should an accident occur. If you only carry the compulsory (required) bodily injury, your policy will only respond for an accident that occurs in the state of Massachusetts, and […]

What is GAP Insurance? (Guaranteed Auto Protection)

Many people have heard of GAP insurance, but most people don’t know the true value of carrying GAP coverage on your Auto Insurance policy. When you lease or finance a new automobile, the vehicle starts to depreciate the moment it leaves the lot. In fact, most automobiles lose about 25 percent of its value within […]

Winter weather and your home and auto insurance coverage

The winter weather brings with it a number of risks and is the perfect time to make sure you have the correct home and auto insurance coverage on your policy. Winter storms can include high wind, snow, and icy conditions that can cause damage to your home and auto. It’s the perfect time to review […]

Rental Car Insurance: Should you buy it?

When renting a vehicle there are several things to consider before declining the optional rental car insurance. Yes, it’s expensive but in some cases, it can be very beneficial. The first thing you should do is contact your agent to verify that your auto insurance policy will cover you if you are driving a rented […]

Direct Writer vs. Independent Agent for Home and Auto Insurance Policy

Independent Agent when it comes to Home and Auto Insurance Policy When buying a Home or Auto Insurance policy there are two ways you can purchase a policy, either from a Direct Writer or an Independent Agent. A Direct Writer is an insurance company who uses its own employees as well as mail, internet, and […]