Topic: Personal

  • car insurance shopping advice

    Best Car Insurance Rates: Advice When Price Shopping

    More than half of surveyed car insurance buyers (52%) said they had imminent plans to either reduce their auto coverage or shop for a new carrier, according to a 2020 J.D. Power survey. It’s a statistic that underscores the tough financial year many people have had. But it also highlights a key debate about shopping […]

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  • insurance for personal cyber attacks

    Personal Cyber Insurance: Massachusetts Consumers Take Note

    Written by Paul West, PRMA

    Personal cyber insurance is an increasingly common endorsement that Massachusetts consumers are adding to their home or renter’s insurance policies. Much like the cyber insurance that exists for businesses, personal cyber policies are designed to protect individuals and their families. We hear from people who tell us they don’t need this coverage because they don’t […]

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  • foundation damage earthquake in massachusetts

    Earthquake Insurance in Massachusetts

    Written by Paul West, PRMA

    Is there such a thing as earthquake insurance in Massachusetts? Up until November 2020, you may have doubted the need for this coverage—often available as an endorsement on an MA home insurance policy or commercial property/business owner’s policy. But the coverage is indeed very real and often worth looking into. Here’s a closer look at […]

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  • insurance for dog owners in Massachusetts

    Dog Bite Insurance for Massachusetts Dog Owners

    Dog bite insurance claims are increasingly common. Nationwide, claims numbered nearly 17,800 in 2019. The average cost of a dog bite claim is increasing, too—especially as the price of medical care rises, and as juries award larger settlements to injured plaintiffs. In 2019, the average cost of a dog bite insurance claim totaled $45,000. What […]

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  • water damage in home needs insurance payment

    How to Get Insurance to Pay for Water Damage

    Written by Paul West, PRMA

    You come home from vacation to find a small pond has materialized in your basement. Something in the house has leaked, overflowed, or exploded. Your first reaction? Panic. Your second: How to get insurance to pay for water damage? Take a breath and skip the panic. The following steps are designed to help. How to […]

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  • beach house covered by HNW insurance

    HNW Insurance: Live Large, Insure Simply

    Written by Paul West, PRMA

    Successful people tend to live life on a larger, faster scale. The things you own, the places you go, the ways you interact with the world: all add a layer of complexity to your personal  risk profile. When compared to the list of things that could go wrong in the average household (fire, flood, burglary) […]

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  • record low interest rates are prompting many to refinance

    Is Now a Good Time to Refinance…and Review Your Home Insurance?

    Written by Paul West, PRMA

    According to the Wall Street Journal, 30-year mortgage rates just reached their lowest level ever. Yup, you read that right: America’s most popular home loan hit a record-low rate of 2.98 percent this month. Plug that new number into any online mortgage calculator and compare it to the average interest rate from two years ago […]

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  • inlaw apartment above the garage

    In-Law Apartment Insurance

    Written by Paul West, PRMA

    In-law apartment. Granny flat. Guest house. Casita… In the insurance world, the technical term for these living spaces is “accessory dwelling unit” (ADU). In the real estate world, the operative term has more or less become, “where can I find one?!” That’s because in-law apartments are growing in popularity every year. More than 60 million […]

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  • paul west, risk advisor at C&S Insurance

    Paul West Joins C&S Insurance as Private Risk Advisor

    Written by Liz O’Neill

    Exciting news here at C&S Insurance: Paul West, veteran insurance pro and private risk advisor, recently joined our team. Paul rounds out our private client specialty division, which offers comprehensive insurance for high net worth households, successful families and individuals. Paul brings considerable experience and a proven track record in building effective HNW insurance plans. […]

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  • sparklers are considered fireworks and are illegal in MA

    Massachusetts Fireworks Law and Your Home Insurance

    Written by Donna Craven, CPL

    The Massachusetts fireworks law is pretty simple: if you don’t have a professional license, it’s illegal to use them. It’s also illegal to sell fireworks or have fireworks in your possession (even if you purchased them legally in another state). What’s included in Massachusetts’ definition of “fireworks?” Anything explosive/combustible that gives off a visual or […]

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