Homeowners insurance is a package policy. This means that it covers both damage to property and liability or legal responsibility for any injuries and property damage policyholders or their families cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. Standard homeowners policies do not cover flooding, earthquakes or poor maintenance. Flood coverage is provided by the federal government’s National Flood Insurance Program, although it is purchased from an insurance agent. Earthquake coverage is available either in the form of an endorsement or as a separate policy. Most maintenance related problems are the homeowners’ responsibility.

A standard homeowners insurance policy includes four essential types of coverage. They include:

1. Coverage for the structure of the home

This part of a policy pays to repair or rebuild a home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in the policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. Most standard policies also cover structures that are not attached to a house such as a garage, tool shed or gazebo.

2. Coverage for personal belongings

Furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 50 to 70 percent of the amount of insurance on the structure of a home. This part of the policy includes off-premises coverage. This means that belongings are covered anywhere in the world, unless the policyholder has decided against off-premises coverage. Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. To insure these items to their full value, individuals can purchase a special personal property endorsement or floater and insure the item for its appraised value.

Trees, plants and scrubs are also covered under standard homeowners insurance—generally up to about $500 per item. Perils covered are theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered for damage by wind or disease.

3. Liability protection

Liability covers against lawsuits for bodily injury or property damage that policyholders or family members cause to other people. It also pays for damage caused by pets. The liability portion of the policy pays for both the cost of defending the policyholder in court and any court awards—up to the limit of the policy. Coverage is not just in the home but extends to anywhere in the world. Liability limits generally start at about $100,000. An umbrella or excess liability policy, which provides broader coverage, including claims for libel and slander, as well as higher liability limits, can be added to the policy.

4. Additional living expenses

This pays the additional costs of living away from home if a house is inhabitable due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while the home is being rebuilt. Coverage for additional living expenses differs from company to company.

Contact Lallis & Higgins Insurance for more information on home insurance.

Source: www.iii.org

Valentine’s Day is the perfect opportunity to surprise your loved one with something special. Whether you’re looking for classic romance, unique adventures, or cozy escapes, Massachusetts offers plenty of ways to celebrate. Here are ten great ideas for things to do around MA this Valentine’s Day!

1. Enjoy a Candlelit Dinner in Boston’s North End
2. Savor Italian cuisine and old-world charm in Boston’s famed “Little Italy.” Book ahead for a cozy table at one of the neighborhood’s beloved trattorias.
3. Take a Romantic Stroll on Cape Cod Beaches
4. Bundle up and walk hand-in-hand along the quiet winter shores of Cape Cod. Sunsets at Race Point Beach in Provincetown are especially breathtaking.
5. Book a Spa Day in the Berkshires
6. Relax together with a couples’ massage or spa package at one of the Berkshires’ luxurious resorts, such as Canyon Ranch or Cranwell Spa.
7. Go Ice Skating on the Boston Common Frog Pond
8. Glide across this iconic rink, then warm up with hot chocolate or a sweet treat from a nearby café.
9. Take a Scenic Train Ride
10. The Cape Cod Central Railroad or the Berkshire Scenic Railway offer picturesque winter excursions, some with special Valentine’s Day themes.
11. Visit a Historic Inn for a Romantic Getaway
12. Escape for a night or two to an inn like the Red Lion Inn in Stockbridge or the Captain’s House Inn in Chatham, both known for their New England charm.
13. Sample Local Wines on a Vineyard Tour
14. Massachusetts boasts several excellent wineries. Enjoy tastings and beautiful scenery at Nashoba Valley Winery, Mill River Winery, or Truro Vineyards.
15. Catch a Show or Concert
16. Treat your Valentine to live entertainment—whether it’s a Broadway show in Boston’s theater district or a concert at Symphony Hall.
17. Take a Romantic Hike
18. Explore scenic spots like Mount Greylock, the Blue Hills Reservation, or World’s End in Hingham for crisp air and stunning views.
19. Indulge in Sweet Treats from a Local Chocolatier
20. Visit a specialty chocolate shop such as LA Burdick in Cambridge or Taza Chocolate in Somerville for locally made confections to share with your sweetheart.

Whether you’re seeking relaxation, adventure, or classic romance, there’s something for every couple in Massachusetts this Valentine’s Day. Happy celebrating!

Exploring the Tradition and Its Local Flavor

Every year on February 2nd, people across the United States—and especially in Massachusetts—eagerly await the answer to one quirky question: Will the groundhog see his shadow? Groundhog Day, rooted in German folklore and brought to the U.S. by immigrants, has become a lighthearted way to predict the coming of spring (or more winter) in the Bay State.

What Is Groundhog Day?

Groundhog Day revolves around the legend of a groundhog emerging from its burrow. The story goes that if the groundhog sees its shadow, it gets scared and scurries back underground, signaling six more weeks of winter. If it doesn’t see its shadow, spring will arrive early. The most famous groundhog is Punxsutawney Phil from Pennsylvania, but Massachusetts has its own share of local weather-rodent celebrities.

What Does It Mean for the Bay State?

Given Massachusetts’ famously unpredictable winters, the groundhog’s prediction might not be the most scientific—but it’s a fun excuse to break up the long stretch of cold, snow, and ice. Whether you’re hoping for an early spring or bracing for more snow days, Groundhog Day is a chance for residents to come together, share a laugh, and enjoy a beloved tradition.

No matter what the groundhog predicts, Groundhog Day brightens up the Massachusetts winter with some much-needed fun, folklore, and community spirit. Will we get six more weeks of chilly weather or an early spring? Only the groundhog—and maybe Mother Nature—knows for sure!

Discover Local Hills for Winter Fun in the South Shore

Winter in Massachusetts brings the perfect opportunity for families, friends, and adventure seekers to grab their sleds and enjoy some good old-fashioned fun. If you’re in the Weymouth or Quincy area, you’re in luck—there are several great sledding spots nearby that offer everything from gentle slopes for little ones to steeper hills for thrill-seekers. Here’s a guide to the best local sledding destinations.

1. Faxon Park (Quincy, MA)

Faxon Park is a hidden gem for sledding enthusiasts in Quincy. With a variety of hills, you’ll find options suitable for both beginners and those looking for a fast ride. The park’s open spaces allow plenty of room for everyone, and the wooded setting adds to the winter magic. There’s also parking available on site, making it convenient for families.

2. Great Esker Park (Weymouth, MA)

Known for its scenic trails and beautiful views of the Back River, Great Esker Park also boasts some excellent sledding hills. The park’s terrain features several slopes of varying steepness, so there’s something for every comfort level. After sledding, you can enjoy a winter walk on the park’s trails.

3. Pond Meadow Park (Braintree/Weymouth, MA)

Straddling the border between Braintree and Weymouth, Pond Meadow Park offers well-maintained grounds and a popular sledding hill. This is a favorite spot for locals, with plenty of space at the main hill for sledders of all ages. The park also features ample parking and restroom facilities.

4. Pageant Field (Quincy, MA)

Pageant Field is another hot spot for Quincy residents. Its main hill is wide and open, making it a safe choice for families with younger children. The area is well-lit and easily accessible, with parking nearby. It’s also close to Merrymount Park, where you can find more gentle slopes if you want to continue your sledding adventure.

5. Abigail Adams Park (Weymouth, MA)

Located in North Weymouth, Abigail Adams Park offers a smaller hill perfect for families with young children or anyone looking for a more relaxed sledding experience. The park is usually less crowded, giving you plenty of space to enjoy the snow.

Is there anything better than a slice of freshly baked pie with a flaky crust and a scoop of ice cream on top? We love a good pie recipe because they're truly an all-year-round kind of dessert. And we'll never say no to a savory pie for brunch or dinner! No matter the season or the occasion, a homemade pie is sure to bring a smile to any face.

In the summertime, we love fruit pies, a cool custard pie, and even creamy no-bake pies. Or maybe you're all about the chocolate pies, which are always a good option for all kinds of special events. And, while we're obviously fans of classic Thanksgiving pies (is there really a time when it’s not pecan pie or pumpkin pie season?), we’re certainly not picky!

A homemade pie takes even the most humble of gatherings and turns it into an event. Read on and scroll through our best and favorite pie recipes for any occasion and any day of the year!

Click here for 82 Tasty Pie Recipes for Any Time of Year.

Source: Country Living

The Basics

Slow down. It’s harder to control or stop your vehicle on a slick or snow-covered surface. In fact, 2023 there were an estimated 101,390 police reported traffic crashes that occurred when there was snow/sleet conditions at the time of the crash. On the road, increase your following distance enough so that you’ll have plenty of time to stop for vehicles ahead of you.

Don’t crowd a snow plow or travel beside the truck. Snow plows travel slowly, make wide turns, stop often, overlap lanes, and exit the road frequently. If you find yourself behind a snow plow, stay far enough behind it and use caution if you pass the plow.

What to Do in an Emergency

If you are stopped or stalled in wintry weather, stay focused on yourself and your passengers, your car, and your surroundings.

• Stay with your car and don’t overexert yourself.
• Let your car be seen. Put bright markers on the antenna or windows and keep the interior dome light on.
• Be mindful of carbon monoxide poisoning. Make sure your exhaust pipe is clear of any snow and run your car only sporadically — just long enough to stay warm. Don’t run your car for long periods of time with the windows up or in an enclosed space.

For more information, contact Lallis & Higgins Insurance.

Before the storm strikes, make sure your home, office and vehicles are stocked with the supplies you might need.

Source: weather.gov

Wishing You All a Season Filled with Joy and Gratitude

As the year draws to a close and the holiday season sparkles around us, all of us at Lallis & Higgins Insurance want to take a moment to express our heartfelt appreciation for you—our amazing customers. It’s thanks to your continued support, trust, and partnership that we are able to do what we love every day, and for that, we are truly grateful.

The holiday season is a special time for reflection, gratitude, and togetherness. Whether you’re celebrating with family, friends, or embracing some well-deserved relaxation, we hope your days are filled with warmth, laughter, and memories that last a lifetime. Your choice to support our business means the world to us, and we are honored to be a part of your community.

This year, we achieved many exciting milestones and tackled new challenges—none of which would have been possible without your loyalty and collaboration. We are continually inspired to improve, grow, and serve you better each day.

Our Holiday Hours

To allow our team to celebrate the holidays with their loved ones, our business will observe special holiday hours. Please check our website or contact us for details, and we’ll be happy to assist with any needs before or after the festivities.

Thank You and Happy Holidays!

From our entire business family to yours, we wish you a very happy holiday season. Thank you for being such an integral part of our journey. We look forward to serving you in the coming year and beyond.

Your Guide to Magical Winter Activities in the Bay State

The holiday season in Massachusetts transforms the Commonwealth into a sparkling wonderland of lights, traditions, and community gatherings. Whether you’re a lifelong resident, a recent transplant, or just visiting, there’s an abundance of festive activities to enjoy. Here’s a curated list of top things to do around Massachusetts to make your holidays bright and memorable.

1. Marvel at Glittering Light Displays

ZooLights at Stone Zoo (Stoneham): Experience a dazzling winter wonderland as Stone Zoo is illuminated with thousands of twinkling lights, whimsical animal-themed displays, and visits from Santa.

Bright Nights at Forest Park (Springfield): This drive-through holiday light show is one of New England’s largest, featuring delightful themed sections and displays to enjoy from the comfort of your car.

La Salette Shrine Christmas Festival of Lights (Attleboro): Stroll through 300,000+ lights, folk art nativities, and enjoy hot chocolate at this beloved, free-admission spectacle.

2. Enjoy Historic Holiday Strolls

Boston’s Beacon Hill Holiday Stroll: Wander candlelit cobblestone streets adorned with wreaths, carolers, and window displays in one of Boston’s most picturesque neighborhoods.

Old Sturbridge Village Christmas by Candlelight: Step back in time with 19th-century holiday traditions, horse-drawn rides, chestnut roasting, and a magical tree lighting every evening.

3. Ice Skating and Outdoor Winter Fun

Boston Common Frog Pond: Take part in a classic Boston winter activity by lacing up your skates at this iconic outdoor rink, surrounded by the twinkling city skyline.

Cranmore Mountain Resort (North Conway, just over the border): For ski enthusiasts, day trips to the Berkshires or nearby resorts offer scenic slopes, tubing, and cozy après-ski spots.

4. Holiday Markets and Craft Fairs

SoWa Winter Festival (Boston): Peruse stalls of artisan gifts, gourmet treats, and unique holiday decorations, all in a festive indoor-outdoor market atmosphere.

Harvard Square Holiday Fair (Cambridge): Discover one-of-a-kind handmade crafts, jewelry, and artwork—perfect for everyone on your gift list.

5. Experience Performing Arts and Seasonal Shows

The Nutcracker by Boston Ballet: A holiday classic performed at the Citizens Bank Opera House, perfect for a family tradition or a festive night out.

Holiday Pops by the Boston Symphony Orchestra: Sing along to holiday favorites and enjoy a jubilant performance in beautiful Symphony Hall.

6. Festive Food & Drink Experiences

Holiday Afternoon Tea (Boston’s Taj Hotel or Fairmont Copley Plaza): Warm up with seasonal teas, pastries, and finger sandwiches in elegant surroundings.

Cozy Inns & Restaurants: Book a special meal at a historic New England inn or enjoy festive cocktails and comfort food at local favorites throughout the state.

Don’t Forget: Small-Town Celebrations

From Nantucket’s Christmas Stroll to Stockbridge’s Main Street at Christmas (replicating a famous Norman Rockwell painting), small towns across Massachusetts host parades, caroling, and unique local events that capture the true spirit of the holidays.

Shoveling snow can be good exercise when done correctly. But taking on more than your body can handle or ignoring signs that you need to take a break may prove harmful.

To ensure you stay injury-free as you clear driveways and sidewalks, here are some tips for safe snow shoveling:

Be heart conscious.

If you have a history of heart problems and are physically inactive, it’s best to consult with your health care team before starting heavy exercise like shoveling. In addition, don’t shovel while smoking, eating or right after consuming caffeine since this may place extra stress on your heart.

Dress for the weather.

Wear several layers of clothing. You can remove a layer if needed. Avoid wearing cotton next to your body. If you perspire, it can become damp, and you'll get chilled. Protect your hands, feet and face since these are common areas for frostbite. Wear a hat that covers your ears and a scarf to protect your lower face. Mittens are generally warmer than gloves.

Drink plenty of water.

Remaining hydrated during cold-weather months is just as important as during warm-weather months. Drink water or sports drinks before, during and after your shoveling session, even if you're not thirsty.

Warm up.

Before beginning to shovel, stretch your arms, legs, shoulders and back. You're less likely to injure muscles and joints when they're warmed up.

Shovel snow while it's fresh.

Freshly fallen snow is lighter than snow that has started melting or has been moved by a plow.

Watch out for ice.

There may be ice under the snow. Be careful, so you don’t slip, fall and injure yourself. Learn how to walk like a penguin on icy surfaces.

Take it slow.

Pace yourself and take breaks if you need to. Safety is more important than speed.

Protect your back.

Bend at the knees, not the back when lifting the shovel. Lift with your legs bent, stand with your feet hip-width apart for balance and keep the shovel close to your body. Also, don’t pick up too much snow at once. Consider using a smaller shovel or filling a larger shovel no more than halfway.

Beware of shoulder strain.

Shoveling snow can place a lot of strain on your shoulders. Lifting and throwing heavy piles of snow or hitting hard ice hidden beneath the snow can result in shoulder damage. Lifting too much snow can aggravate arthritis or further injure a worn rotator cuff. vListen to your body.

This is the No. 1 snow shoveling tip. If something doesn't feel normal or you’re tired, it’s time to stop. Go inside, warm up, rest and drink water, tea or coffee. Reevaluate how your body feels before picking up where you left off.

Be careful around machinery.

If you use a snowblower or plow, be especially cautious around moving parts and sharp edges. Be sure the equipment is turned off before clearing any snow jams. Keep children and pets away while you're operating machinery.

Have your phone handy.

If you're experiencing an emergency, call 911 immediately.

Stay safe while shoveling, and enjoy the exercise and being outside on a brisk winter day.

Source: mayoclinichealthsystem.org