Category: Personal

  • 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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  • Father’s Day Gift Ideas from Massachusetts Small Businesses

    Still scrambling for Father’s Day gift ideas? We’ve got your back. Hit the town this week and browse these local MA businesses to select the perfect present for dad. We love shopping local because it’s a fantastic way to support the community. It also makes for a more personalized experience – you get to know […]

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  • odometer shows miles driven

    Pay Per Mile Car Insurance: The Good, the Bad, and the Unknown

    Pay per mile car insurance is a hot-button issue right now. After all, during the COVID-19 pandemic, most people are driving significantly less than they did before. Auto insurance companies have acknowledged this fact by offering a one-time discount off your premium for fewer miles driven in April, May, and now June… But what if […]

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  • The Next Hurricane: Your Path to Preparedness

    The 2020 hurricane season is now underway, with experts predicting “above normal” activity in the Atlantic. If you haven’t reviewed your insurance policies lately, now is a smart time to ask your agent about which coverages you have and which ones you don’t. Common gaps to discuss: Flood Insurance in Massachusetts Sewer Backup Coverage Building […]

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  • home insurance discounts can equal significant savings

    Home Insurance Discounts for Minor Home improvements

    Some home insurance discounts are pretty widely known. For example, you probably already know you can save money if you bundle your insurance (purchasing home, auto, and umbrella coverage through the same carrier). Paying your annual premium in full, at the beginning of your term; paying via automatic withdrawal; or opting into paperless billing (i.e. […]

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