Archive | Insurance

RSS feed for this section

Homeowners: Inventory your belongings.

inventoryHave you taken an inventory of your belongings?

This is a reminder to take some time now to go through your home and create an inventory of your valued items.

Take this situation:

A fire breaks out in the home, causing severe interior damage.  The structure of your home remains intact but everything else is a loss.  You find yourself needing to replace everything from appliances to clothing and even your toothbrush.   Good news is, you have insurance so you are covered and will be reimbursed…  But do you remember all the contents items in your house? Now is the time you wish you’d taken pictures or had a video of the inside of the house.

Don’t let this happen to you…

Here are a few things to remember when taking an inventory…

  • Take 3 or 4 pictures of each room.
  • When taking pictures, don’t forget to open the cabinets and closets. You have more clothes than you think!
  • Make a separate list of the items that can’t be replaced
  • Your valuable items may need to be appraised.
  • Call our office with your list.  413-788-4531.

 

Being Proactive (before a loss) will save you time and energy.

 

Feel free to call us with further questions.

Did you know you can renew online?

Stick of waiting in line at the RMV?  Great news you can now skip the line and renew online.  Not only that but the RMV offers many of its necessary services online.  Check out their website today…

Vehicle Registrations- Renew Online

Of course renewing is not the only thing you can do.  You can also:

  • Renew your registration.
  • Cancel your registration.
  • Duplicate your registration.

Other things you can do online:

  • Request a Duplicate Title.
  • Renew License, both Commercial and Passenger.
  • Renew or Request Duplicate Mass ID.
  • Pay Citations.

See more when you visit their website  www.massrmv.com

 

Your Local Insurance Agent is available to help, and answer any questions you may have about this.  Contact us today at 413-788-4531.

 

If you choose to visit the branch in person here are the hours…

Springfield MA RMV Hours

Monday – 9:00 a.m. to 5:00 p.m.
Tuesday – 9:00 a.m. to 5:00 p.m.
Wednesday – 9:00 a.m. to 5:00 p.m.
Thursday – 10:00 a.m. to 6:00 p.m.
Friday – 9:00 a.m. to 5:00 p.m.

Chicopee MA Office

Monday through Friday – 9:00 a.m. to 5:00 p.m.

 

Green Roof Technology

green roofHave you heard of this new trend,the green roof? I’m not talking about painting your roof green.  Many are using this technology for their buildings. Scroll down to learn more about this technology.

What is Green Roof Technology?

Basically the green roof method refers to growing a layer of vegetation on a rooftop.  Green roof can be as shallow as two in layer or multiple layers depending on the overall goal. They can be installed on industrial buildings and residences.  Many metro areas are adopting these methods into their building codes to reduce heat that builds up, and help the environment.

The Environmental Protection Agency also has more information.

Benefits:

Improve health and comfort: These roofs reduce the amount of heat that gets transferred during the summer months especially during heat waves.

Reduce Energy:  Green roofs act as insulators for buildings, reducing the amount of energy needed to heat and cool the building.  Keeping the Building cooler in the summer and warmer in the winter.

More Benefits and Tips for Green Roofing

 

Windows and Energy

This time of year temperatures outside are dropping.  How can you stop the drop in temperature from raising your heat bill?  Energy.gov has tips for preparing your home for colder temps.  Sometimes a homeowner is not in a position to replace their windows with more energy efficient ones, what then?  The following are a few tips to increase the efficiency of your current windows.

Improve Energy Efficiency of  your Windows

  • Caulking- is used to seal up air leaks around the window frame and the wall.  The leaks can be a result of cracks or gaps. windows If the gap is more that 1 and one quarter inch other methods may be needed.
  • Weather Stripping– is used to seal up air leaks around movable components. Read more about weather stripping.
  • Window Coverings– Such coverings as shades, shutters or even panels can go a long way in insulating your windows. Click here for more covering ideas.

Before sealing your home it is good to know how much ventilation your home requires. Consult with a professional.

 

 

Contact your local agent to find out how to seal up any gaps in your existing coverage.

Household Safety Checklist

The new school year is fast approaching, and for some of us is already here.  We have a couple of weeks left of this summer.  Now is a great time to review some household safety practices, as a family. Here are a few questions to ask:

Household Safety Checklist

fire household safety

  • In case of fire, does your family have an escape plan in place?
  • Are all of your smoke alarms working properly?
  • Do you have CO detectors?
  • Do you have a working fire extinguisher?
  • How safe are your space heaters?
  • How safe are your stairs and railings?

 

We wish you a great new school year!!

Data Breach- Small Business

Are you concerned about a Data Breach? Why should you be concerned?

Every Business needs to have a plan in place.  Even if you are certain that you have minimized the risk Data Breach can happen.

Seems like every day there is a new story about how a big business was “hacked.”  A computer “hack” is only one of the ways that a Data Breach can happen.  Every Business is at risk

The  Federal Trade Commission would agree, protecting personal information is very important.

We hope you find the links below, helpful in protecting your business.

Click here for a PDF: Guide to Protect Your Business

Tips on Identity Theft

As a business owner, you you work hard to protect your property, right? Does your building have fire sprinklers and extinguishers?  Do you also have business insurance, just incase?  In a similar way people tend to have a “firewall” on their computer and a shredding system, to protect private information.  Cyber insurance helps you protect your business from stolen information same way business insurance does against  fire damage or theft.

data breach

We would be happy to answer any further questions you may have about data breach, at no obligation.  Call Peggy anytime…

 

 

Cyber Brochures for Download, from some of the Companies We Represent:

Hartford Small Business Tips

Hartford Medical Tips

 

 

It’s Motorcycle Season- Are you ready?

Motorcycle Season is here!  This past weekend marked the beginning of spring!  Are you ready to hit the road on your motorcycle? Before you go take a minute to review these safety tips from US DOT.

Tips for Motorcycle Season

Before taking your first ride be sure to check your bike for:motorcycle season

  • Oil level
  • Condition of  the chain and suspension.
  • Check the air in the tires.
  • Working turn signals?

If you are new to the motorcycle world or an expert its still good to refresh yourself before taking a long trip.  Take a practice run, especially since you’ve had time considerable time off the bike this winter.  Or if you are a beginner take it slow, a safe ride is the best ride.

 

 

 Motorcycle Safety:

Looking for safety tips? The RMV has a helpful video on this topic.

Click here for a Motorcycle Video from Mass RMV

 

Contact your local agent for motorcycle insurance coverage questions.

Snow Shoveling and CO Poisoning

What could snow shoveling possibly have to do with Carbon Monoxide poisoning?

When you think of snow related injuries, what comes to mind?  Maybe you think of tripping on icy snow filled walkways, or being hit with a snowball?  You probably don’t think of Carbon Monoxide (CO) poisoning, but it is something to take precautions against.

How could a lack of snow shoveling or removal lead to carbon monoxide poisoning?  If snow piles up around vents in your home, blocking the vent, gas from your appliances can “back up” into your house.  So while you are outside shoveling your driveway be sure to also clear the snow away from dryer vents and other vents on your property.

It is important to have working carbon monoxide detectors in your home, especially around your heating appliances.

Remember, Carbon Monoxide is odorless, colorless and it is very bad for you and your family.  The CDC has a wealth of information on how you can protect yourself from Carbon Monoxide. Click the above link to see more information about Carbon Monoxide.

Winter Home Heating Tips

How do you heat your home?  GAS? OIL? Other?

It’s cold out side… and this is only the beginning of winter.  There are many options for heating your home.  Heating equipment ranges in types and price.  Energy.gov has useful home heating tips.  Click here to see an easy to read infographic.

 Basics for Winter Home Heating

Five things to consider before addressing your heating needs:

Fuel: Access to heating fuels change depending on where you live.

Climate: Weather patterns where you live will affect which heating system you use.  Obviously, if you live in Florida you need less heat than in New England.

Efficiency: Products are now being designed to meet energy standards, look for the Energy Star when purchasing equipment.

Size: Work Smarter not harder.  The size of the heating system will depend on the need.

 winter home heating

 

*Using a thermostat allows you to save energy, by controlling temperatures and stopping the system from running on full blast at all times.

 

 

 

 

Also please remember regular cleaning and maintenance can prolong the life of your heating system.  For example, you should clean filters and make minor repairs before they become a greater problem.

 

Don’t forget to consult with a professional before making a decision, to prevent future headaches.

Have a warm winter 🙂

 

Home AC Energy Tips

Is your Home AC wasting your money?

 

Summer Summer Summertime… What a great time of year!  How are you enjoying this great summer weather?  Can you believe its already August?  August is usually know for heat.  Is your home AC ready?

Although its been a mild summer thus far, we know August’s potential.  Enjoy the warm weather while it is here!  Energy.gov has great tips for keeping your home cool and keeping money in your pocket…

Home AC tip1Do you have Central Air?

Tip: Make sure your ducts are sealed and connected properly. Leaks mean wasted energy.

 

 

 

Home AC tip 2 Do you have AC Window Unit?

Instead of the accordion panels that are attached to the unit, use “rigid form panels” to stop air leaks.

 

 

Do you have an AC and want to lower cooling Costs?

Tip: Secure you home’s “envelope.”  The Envelope is the shell of your home, keeping air in or out.  Heat and Cold air should only leave or enter when you want it to by means of proper ventilation, and insulation.  Leaks in windows, doors etc waste energy and thus money…

 

If you answered YES to any of the above questions, click here for the answers, featured on Energy.gov

Chase Clarke Stewart & Fontana Insurance… “Got Coverage?”