This short video from The Hartford Insurance sums it up well!
NO business is too small to be sued, to have a fire or be burglarized.
This short video from The Hartford Insurance sums it up well!
Contact Thomas E. Sears Insurance today and find out what your small business exposures are and what kind of insurance you need.
Easy tips and tricks to make your Massachusetts home look fresh and new? Here are 10 clever and simple ideas from top home designers and stagers:
1. Take down all of the magnets and pictures on your refrigerator. It will make the kitchen look instantly neater according to Megan Cudia, architectural designer. File all of those takeout menus in a drawer or binder and frame your kids' artwork to be hung up elsewhere.
2. Clean windows, mirrors and shower doors. According to Cudia, natural light and clear windows makes the space more inviting.
3. Trim shrubs and bushes. Tori Toth, author of Feel at Home: Home Staging Secrets for a Quick and Easy Sell recommends trimming back dead flowers, overgrown shrubs and other greenery. A manicured lawn makes your home look nice and neat.
4. Shake out the welcome mat! So easy but often overlooked. Living in Massachusetts can mean very dirty welcome mats and a mat covered in leaves and dirt does not make your home look very inviting. Toth suggests shaking it out or replacing it altogether.
5. Replace switch plates. White plastic outlet covers can get worn out and discolored. If you can't get them clean with a cloth, you're better off just to replace them.
6. Brighten up dark furniture. Natalie Moreno of Premier Home Staging says that dark furniture can suck up all the light. She suggests adding a pop of color with pillows, putting two pillows on each side. A stripe or solid in the back and then a print in the front.
7. Unsheathe your knives. Big knife blocks on your counter are dust magnets. Moreno suggests putting knives in a kitchen drawer and recycling those blocks for an instant "de-cluttered" look.
8. Sweep the fireplace. Vaccuum out the fireplace and place pretty logs inside for clean, fresh look.
9. Organize your art collection. Moreno recommends hanging art on only one side of a hallway wall and always leaving one wall blank in a room. You do not need to fill up every inch as the eye needs someplace to wander. If you're displaying a collection, use the same color matte and frame for each picture.
10. Style and de-clutter your coffee table. For a classic look, Moreno suggests this look: "On the left, place a stack of two or three coffee table books. Put a succulent in the middle, and then to the right we do a bowl with decorative balls." Add a decorative tray to stash remotes.
As you look through your MA auto policy documents, you might have seen a coverage called Rental Reimbursement or Substitute Transportation. What is this? And do you REALLY need it?
Basically, Rental Reimbursement/Substitute Transportation coverage is there to help you when your car is unavailable due to a covered claim. Let's say that you had a fender bender and your car is in the shop for a few days getting a new bumper. Or, after a major storm, you have hail damage that needs to be repaired. While the car is being fixed, what are you going to drive??
Most people think the biggest risk to their home is a fire or a bad storm. It’s why they buy insurance (and it’s required by their mortgage lender).
But in reality, the biggest concern is protecting your assets from a liability claim. Consider this...
Summer is on its way.. Finally! Before we know it there will be Memorial Day barbecues and long weekends at the lake. Ahh..
That's why now is a great time to review your MA insurance coverage on all of your summer toys. Read below for things to consider (and review with us) before the big items come out of winter storage.
RV - Your MA motorhome or travel trailer needs insurance coverage, especially if you'll be driving or pulling it this year. Even if you don't have a loan on your RV, you will want it covered for theft or damage. Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs. Just call us for a quote or simply request one here: http://www.tesearsinsurance.com/quick-quote
So you’re ready to shop for Massachusetts insurance and are hoping for a great deal. But did you know that there are a few things to look for that are much more important than the price of the policy? In fact, don’t buy your next policy until you look for these seven things.
#1 - A Top Rated Insurance Company - You want a MA insurance company that will be around if you have a claim. Don’t choose a company that you’ve never heard of with a price that seems too good to be true! If you aren’t familiar with the company your agent is recommending, ask for a little more information. Find out what they are rated in your state and how long they’ve been around.
#2 - Choose a LOCAL, Independent Agency! While all the commercials on TV will tell you to call a 1-800 number for a quote, it’s usually not a great idea...
Discounts are the best way to save on your MA insurance premium each and every month... but.. a lot of people are missing out on them! With a little documentation you could see a great savings!
Multi Policy Discounts: When you have all of your insurance in one place, you save more! If your MA auto and home insurance is spread out between multiple companies or agencies, let us help you consolidate. You'll be better protected (no gaps in coverage) and save money. With our carriers, you'll save up to 20% on your homeowners policy and up to 10% on your auto policy. That's a significant savings!
Security Discounts: Does your home have a security system or fire protection system?
With Spring upon us, weddings are underway! Planning a wedding and getting married is a blissful experience but there are some considerations couples have to take into account when it comes to insurance and merging two households.
Auto: The good news is that now that you're married, you can add your vehicle to your spouse's policy and obtain a "multi-vehicle" credit. Review both of your policies and decide which policy you want to use. Keep in mind however that if one of you has points, those points will automatically be applied to the more expensive vehicle to insure - no matter who drives the vehicle primarily. If you both have excellent driving records then combining your policies into one should only be of benefit to you.
Oh trees and insurance... "If a tree falls in my yard am I covered?" "What if a tree hits my home?" These are questions we get all of the time. Let's jump right in and address the first question:
What happens when a tree falls in your yard and DOES NOT hit your home: Whether it's your neighbor's tree or your tree, most MA homeowners insurance companies will not pay for it to be cleaned up (debris removal). However, if it is blocking the street or a ramp designed for the handicapped, some insurance companies may pay for the cost of removing it. If you notice that your neighbor's tree is damaged and may possibly fall on your property, be proactive and talk to your neighbor about removing it before it falls.
So what happens when the tree falls and DOES hit your home?
When you purchase a MA car insurance or MA homeowners insurance policy, you'll be given a choice of what deductible amount you want to carry. So.. what exactly is a deductible and how does it work? Let's break it down:
What is a car insurance deductible? The deductible is the amount that you will absorb to fix the damage to your car if you are in a collision that is YOUR fault. Having a deductible reduces your premium. The higher the deductible, the less your premium is. A standard MA car insurance deductible is $500 but often times people go with a $1,000 deductible to reduce their premium even more.
What is a homeowners insurance deductible? A MA homeowners insurance deductible again is the amount you will absorb in the event of damage to your home. A standard MA deductible is $500 or $1,000 but a higher deductible can be purchased. The higher the deductible, the less your premium.