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Personal Cyber Insurance: Massachusetts Consumers Take Note
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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How to Get Insurance to Pay for Water Damage
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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Is Now a Good Time to Refinance…and Review Your Home Insurance?
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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In-Law Apartment Insurance
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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Massachusetts Fireworks Law and Your Home Insurance
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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Our Plan to Reopen C&S Offices: Mansfield, Attleboro, Dedham, Bridgewater
As an essential business, C&S was never closed during the COVID-19 pandemic. However, we did close our offices to clients, visitors, and other members of the public for a period of several weeks. Now, as the state begins its phased reopening, we are taking steps to reopen our doors–albeit with new guidelines in place to […]
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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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How to Insure Jewelry: 4 Easy Steps
Ever wondered how to insure jewelry? Or how to get insurance for your engagement ring and wedding bands? Luckily, it’s not as big a chore as you may think. And it’s well worth the effort when you consider all the ways fine jewelry can get lost, stolen, damaged, etc. (Did you know, by the way, […]
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Ninja Warrior Backyard Courses and Your Home Insurance
We all want our kids to get outside more. Ninja Warrior backyard courses—whether you’re building one yourself or buying a kit—may seem like the perfect solution. Especially during the holiday season, when the last thing kids need is more stuff scattered around the house. But homeowners beware… Your insurance company will not love an extreme […]
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Will Home Insurance Cover Water Damage? (Appliances and Plumbing)
In prior blogs, we’ve talked about flood insurance in Massachusetts and wet basements caused by a rainy spring or a sudden thaw… But what about non-weather-related events, like a leaking water line behind the fridge? Or a washing machine that suddenly glitches? An exploding water heater? Will home insurance cover water damage from appliances and plumbing […]
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