Announcements

Real Life Story - The Meaning of Being Underinsured

Posted on Thu, Dec 13, 2018

As insurance professionals, it is our job to encourage clients to carry adequate insurance, and to guard against being under-insured.   

Here is a real-life story we felt was worth sharing.  It is a story of why price does matter and how a young family learned this lesson.  It's reprinted with permission.

Read More

Tags: home insurance, Massachusetts car insurance, Car seat

Tips for Homeowners - How to Keep your Home Safe When Away on Vacation

Posted on Wed, Jun 20, 2018

As summer arrives, millions of Americans will be planning on taking a summer vacation.  As a homeowner, you are smart to ask yourself this question:  What are the best ways to keep my home safe when away on vacation?

When you are out of town, you will want to take certain steps to protect your home and your belongings from burglars, since they may tend to target empty homes.   According to Trusted Choice® and The Press Democrat, burglars targeted homes in a certain county "simply because there was an abundance of vacant homes" and that homes were "ransacked for valuables such as expensive electronics televisions, and jewelry."  With that thought in mind here are some easy tips that may help bring you some peace of mind while you are away.

Place your Mail and other Deliveries On Hold

Few things scream "There is no one home" more than an overflowing mailbox, packages on the front steps, or newspapers in the driveway.   Temporarily cease all deliveries or ask neighbors to collect them daily for you.  In addition, many identity thefts start off by stealing financial documents from the mail.  

Don't Announce that you will be Away

Although it may be tempting to post on social media your plans or photos, you should think twice about doing so.  While you probably do not have to worry about your friends and family, you don't know if any of their contacts may have criminal intent.   Remind your children to refrain as well.  You can consider posting as usual when you return.  

Consider an Alarm System 

A home security system is probably the best way to protect your home while you are away.  There are a number of types of systems on the market, including ones that you can monitor and activate or deactivate from a smart device.  In addition, you can often get a discount on your  home insurance when you have certain kinds of alarm systems.  If you already have an alarm system - consider calling the company to let them know you are away.

Make your Home Look Lived in While You are Away

If your home looks lived in, it may be less likely to be the target of a burglar. 

  • Use a timer for the lights or the TV so that they turn on and off during the day
  • Keep outdoor services such as lawn maintenance and sprinklers running
  • Have a neighbor come by to check on your home, water plants, etc.  The presence of activity can be a deterrent to a criminal.  

Some additional security steps

  • Make sure that all windows and doors are locked
  • Lock your garage door manually
  • Move expensive jewelry and other valuables out of site.  A home safe or bank safety deposit box may be best for valuables.  

Speaking of home safety, if you have any questions on home insurance, please feel free to contact us below 24/7.

Check my Home Insurance Policy

 

With offices in Danvers & Winthrop Massachusetts, Elliot Whittier Insurance has been awarded The Five Star Award of Distinction from the Massachusetts Association of Insurance Agents.  Elliot Whittier Insurance is also a Trusted Choice® agency and represents multiple insurance companies, so it offers you a variety of personal and business coverage choices and can customize an insurance plan to meet your specialized needs.  You can visit Elliot Whittier online at www.ElliotWhittier.com, email info@elliotwhittier.com, or call 800-696-3947

Read More

Tags: home insurance

Ways to Avoid Frozen Pipe Damage to your Home

Posted on Thu, Dec 08, 2016

As winter in Massachusetts sets in, we're reminded of one of the perils to the homeowner of colder weather:  frozen pipes that burst,  and the damage to the home that results. 

 

Image Courtesy of Narragansett Bay Insurance Company

Ways to keep your pipes from freezing

It’s hard to think of a worse start to a winter day in Massachusetts than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart tips from our friends at Safeco Insurance to help you prevent or address what could easily become a very messy and expensive situation:

Read More

Tags: home insurance, Winter, frozen pipes

Winthrop Insurance Agent Meghan Fuller Achieves CISR

Posted on Wed, Sep 09, 2015

The designation of Certified Insurance Service Representative (CISR) has been conferred upon Meghan Fuller, Personal Lines Insurance Customer Service Representative at Elliot Whittier Insurance Services, LLC.

Read More

Tags: home insurance

Is that New Jewelry Covered on your Home Insurance Policy?

Posted on Thu, Feb 13, 2014

Have some new jewelry in the house? Is it covered on your Massachusetts home insurance policy?

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry.

 It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Massachusetts home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Read More

Tags: jewelry insurance, Valentines day, home insurance, Massacusetts Insurance

Is that New Jewelry Covered on your Home Insurance Policy?

Posted on Wed, Feb 12, 2014

Have some new jewelry in the house? Is it covered on your Massachusetts home insurance policy?

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” - and, of course, jewelry.

 It’s exciting to receive jewelry from a loved one — or to give it as a gift. Not to mention romantic. But if you’re lucky enough to have some new jewelry in your Massachusetts home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

Read More

Tags: jewelry insurance, Valentines day, home insurance, Massacusetts Insurance

Hosting a Party in Your Home and Serving Alcohol

Posted on Tue, Dec 03, 2013

Whether it's Home for the Holidays, New Years, or even a Super Bowl party, many of us enjoy hosting parties in our homes, and we may be serving alcohol to our guests.

Read More

Tags: home insurance, Happy Holidays

Hosting a Party at your Home? Serving Alcohol?

Posted on Wed, Dec 05, 2012

Whether you are hosting a Super Bowl party or greeting the New Year with friends in your home, if you are planning to serve alcohol at any type of party it is important to take steps to limit your liquor liability and make sure you have the proper insurance. 

The following article from III (the Insurance Information Institute) describes things to consider if you are hosting a party at your home and serving alcohol.   It is highly recommended to contact us directly as well, to make sure your particular home insurance policy has you well protected, as liquor liability protection can differ from policy to policy.

Read More

Tags: home insurance Boston, home insurance, social host liability

Does it Make Sense to get Insurance that's Not Required?

Posted on Mon, Jul 23, 2012

State laws or lenders require people and businesses to buy certain types of insurance. Most states require automobile liability insurance on all registered vehicles. If the vehicles are financed, the lenders will require the owners to carry collision and fire coverage. Employers have to carry workers compensation in most states. Mortgage lenders require borrowers to insure their buildings against loss by fire and other perils. In certain areas at high risk of flooding, lenders may require them to buy flood insurance as well.

Read More

Tags: flood insurance, car insurance, business insurance, home insurance, small business insurance, Workers comp insurance

More Storm Readiness for New England Hurricane Season

Posted on Tue, Jun 12, 2012

In a prior blog entry, we spoke about the Atlantic hurricane season, and some hurricane preparedness steps we can all review.   Here are some additional thoughts on hurricane readiness. 

Read More

Tags: hurricane season, home insurance Boston, home insurance