Does my Homeowners policy cover my child's personal belongings while away at college?
If they are living in a dormitory, 10% of your personal property coverage is extended to
the dormitory room. If they living in an off campus apartment building, they will need to
apply for a tenant's policy of their own.
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Should I add water back up coverage to my policy?
If you have the potential for water in your basement from backed up sewers and drains
and/or failure or overflow of sump pump, water back up coverage is a good endorsement to be added
to your Homeowners Policy for an additional premium.
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When should I notify you of any improvements I have made to my property?
Any improvements that change the square footage of your property, and/or any major upgrades,
i.e. kitchen, baths, finished basements, and swimming pools, etc. You should notify us prior
to the project and then at the completion so that we can increase your policy accordingly.
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What if I have an In Home Business?
Your Homeowners policy excludes coverage for a Home Business so you should always notify us of
any Business ventures in the home. An endorsement can be added to your Homeowners Policy to
provide extra coverage for your activities and/or business contents.
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Is my personal computer covered?
Yes, your personally owned computer is covered under your Homeowners Policy for named perils.
You may want to purchase broader coverage. Contact us for additional information.
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When do I have to add my son/daughter to my Auto Policy?
Your son/daughter needs to be added when they receive their driver's license. Note they do not
need to be added while they drive on a learners permit. Once they pass their license exam, please
contact our office with their license number.
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When I rent a vehicle while on vacation, do I need to purchase the rental companies insurance?
Your Automobile Policy does follow you in the continental U.S., Puerto Rico and Canada as long
as your vehicle is left at home and not driven while you are traveling or on vacation. However,
we do recommend you purchase the coverage for the following reasons:
1. The Collision and Comprehensive deductibles on your own
policy apply unless you purchase the rental company coverage which will waive your deductible.
2. In the event of an accident your MA Automobile Policy does not
cover "loss of use" of the rental vehicle while it is being repaired.
3. If you do not carry collision and comprehensive coverage.
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