Insuring yourself against a flood is a little different than other policies.

• Floods are not covered under homeowners and renters policies. Only a specific flood insurance policy will cover home flood related losses.
• Most flood insurance is administered through the federal government. Homeowners, renters and businesses can purchase flood policies from an insurer under contract with FEMA. Federal flood insurance is available where the local government has adopted adequate flood plain management regulations under the NFIP—and many communities participate in the program.
• Flood insurance covers direct physical losses from floods and losses resulting from flood related erosion caused by waves or currents of water exceeding anticipated cyclical levels and accompanied by a severe storm, flash flood, abnormal tide surge or a similar situation that results in flooding.
• Flood insurance coverage for the structure and contents of the home are sold separately. Buildings are covered for replacement cost, but coverage for personal property is available on an actual cash value basis only.
• The maximum flood insurance coverage amount is $250,000 for the structure of the home and $100,000 for the contents of the home. ("Excess" coverage over and above the maximums that are available from NFIP is offered by private insurers.)
• Flood losses for cars are covered under the optional, comprehensive portion of a standard automobile insurance policy.
• Commercial flood insurance is available from the NFIP; it provides up to $500,000 of coverage for your building and up to $500,000 for its contents. You can also purchase what’s called “excess” insurance coverage to rebuild properties valued above those limits.

Buying flood insurance

When buying flood insurance, you should know that:

• It's easy to purchase – Federal flood insurance policies can be purchased directly from an insurance professional. Nearly 100 insurance companies write and service NFIP policies.
• It requires a waiting period – There is a 30-day waiting period before a flood insurance policy takes effect, so don’t wait until the last minute to purchase it.
• It can be augmented with "excess" insurance – The NFIP policy maximums are inadequate to fully cover some people's assets so a growing number of private insurers have begun offering excess flood policies, intended to provide water damage protection to homeowners over and above the coverage provided by the NFIP policies. Some private insurers are also starting to offer “first dollar” flood policies.

For more information, contact Lallis & Higgins Insurance.

Source: iii.org

If your possessions are stolen or destroyed, your insurance company will ask you to provide a record of them. Learn the benefits of having a personal property inventory list below.

Details will be important at claim time

Do you know the brand name and serial number of your stereo? Would you recall off the top of your head when and how much you paid for your digital camera? Without a list in front of you for reference, the details of your valuables may be forgotten – which creates more frustration in an already stressful time, and can cost you money in the long run.

That's why it's important to have a personal property inventory created ahead of time – before an unfortunate incident.

What is a personal property inventory?

A personal property inventory is a complete list of all your household goods and personal belongings. A complete inventory includes the following information about each item on your inventory list:

• The room in the house where it's located
• Item description and quantity
• Purchase date
• Place of purchase
• Original cost
• Estimated current value
• Serial and model number

An accompanying videotape or still photographs of each item Receipts and current appraisals for the most valuable items

How does an inventory help you?

No one is fully prepared for a loss, but you can take steps to reduce the stress in the aftermath. A personal property inventory in place before a claim ensures that your claim is filed promptly and completely, which means that you'll get it settled quickly and accurately, and get your life back to normal.

You can also use an inventory to determine if you have adequate coverage for your possessions. Many people find out after a loss that they were not sufficiently covered, and should have purchased higher coverage amounts or replacement cost coverage. A good rule of thumb is to add up how much it would cost to replace your belongings, and then compare it to your policy's personal property limit. This is an indicator of whether or not you need to purchase additional coverage.

It's also a good idea to check the claim settlement methods on your policy. If you've purchased replacement cost coverage, your settlement allows you to buy new items to replace the damaged or stolen ones. If you have actual cash value coverage, you receive what your items are worth at the time of the loss – taking into account depreciation.

More helpful tips

Be complete with your inventory. An effective way to do an inventory is to split the area of your house and take one room at a time. Start outside and take views of each side of your house, including the landscaping. Make sure to include all items in a storage shed or garage, like children's bikes and sporting goods.

Move inside the home and cover one room at a time. You might want to start with artwork or wall hangings and then move onto the floor. Remember to include all high-valued items like antiques, collectibles, silverware and jewelry.

Electronics are a key part of any personal property inventory. TVs, stereos, cell phones, ipads and laptops should be included, as well as clothing, furniture and items inside china cabinets and storage bins.

As you videotape each item, it's important that you verbally state when each item was purchased, its value, any special features and the model and serial number. If you choose to photograph these items instead of videotaping them, write all pertinent information on the backs of the pictures.

When the inventory is complete

Once you've completed the inventory, copy everything including paper lists, videotapes, receipts, computer printouts, appraisals and photos. Store one set in a secure place in your home, and store the other off the premises in a safe deposit box or with a friend or relative.

Update your inventory every four to six months to ensure that the information is accurate and reflects all items in the home. Save all the receipts for newly purchased items, and make sure to update your inventory as soon as you make a major purchase and delete the items you no longer have.

foremost.com

Springtime is here! The weather is beautiful, the water is inviting, and your boat is looking better now than when you first laid eyes on it. The only thing that would make your marine beauty even better is a gorgeous body of water underneath it. But not so fast…

Before you take your watercraft out on the water, complete the actions on this de-winterizing checklist-created for you.

Check engine and fluid levels.

To keep your boat running smoothly, remember to check engine and fluid levels. This includes engine oil, oil filters, power steering, coolant, and transmission fluid. If you didn't change your engine oil, oil filter, and drive lubricants before winter, you can do this now. For everything else, check for any leaks and repair the source first. Once this is addressed, refill the fluids.

Inspect your battery.

If your vessel has been idle for a long period of time, it's likely the battery is dead and will need to be recharged. Additionally, the water in the battery can freeze in the winter. When this happens, the water can expand and cause cracks in the battery creating irreversible damage. If there are no issues here, ensure that your battery is filled with the proper amount of water. Be certain to use distilled water and not tap water, which can diminish performance. Next, check for any corrosion and clean the battery with a mix of baking soda/distilled water. If you discover your battery is damaged beyond repair, replace it.

Examine the boat's exterior.

When checking the exterior of your seagoing machine, look closely for any cracks and holes. Check all around the hull and underneath it. If you notice any damage, repair them immediately. Always remember: "boats don't sink because of water around them, boats sink because of water that gets into them."

Check the belts.

Lack of use during winter can cause belts to crack and break. This happens because of the stress and tension placed on the belts. If any belts are cracked, replace them. You will also need to replace your belt if it's loose or if you notice black soot around the pulley.

Examine fuel lines.

The cold winter weather can cause damage to your watercraft's fuel line. Damage to your fuel line can stop fuel from reaching the engine, and your boat won't run. Be sure to check this when you pull your watercraft out in the spring. Pay close attention to your fuel hoses and replace them if you see any leaks. Replace any section of your fuel system that show any leaks, cracks, or structural damage. Inspect the sails (if applicable).

Winter weather can cause considerable damage to your sails. Take note of the shape of your sails. If your sails don't maintain proper form, you could have issues when boating in strong wind. Lookout for wear, chafing, and other structural damage. Inspect your bolt rope and replace it if it is fraying or weak. If your sails are damaged, replace them.

It is important that you perform each action in this checklist with as much attention to detail as possible. Properly de-winterizing your watercraft is crucial to your performance and safety out on the water.

Source: foremost.com

Why Choosing an Independent Agent Makes All the Difference

When it comes to protecting your assets and securing the right coverage for your needs, working with an independent insurance agent in Massachusetts offers a range of advantages over going directly to a single insurance company. Whether you’re looking for home, auto, or business insurance, independent agents provide personalized support and access to multiple carriers, ensuring you get the best value and protection.

Personalized Service

Independent insurance agents take the time to understand your unique situation and tailor recommendations to your specific requirements. Unlike captive agents who represent only one company, independents can compare policies from several providers, making it easier to find coverage that fits your budget and lifestyle.

Access to Multiple Carriers

An independent agent works with a variety of insurance companies, giving you a broader selection of policy options. This means you’re not limited to one company’s offerings and can benefit from competitive rates, diverse coverage features, and flexible options. If your circumstances change, your agent can quickly shop around to find a better fit without you having to start from scratch.

Local Expertise

Agents based in Massachusetts are well-versed in the state’s insurance requirements and regulations. Their local knowledge helps ensure you’re compliant with state laws and that you have the appropriate coverage for risks unique to the region, such as weather-related events or specific liability concerns.

Advocacy and Ongoing Support

Should you ever need to file a claim, your independent agent acts as your advocate, helping you navigate the process and resolve issues quickly. They provide ongoing support, review your policies regularly, and adjust your coverage as your needs evolve—whether you buy a new home, add a vehicle, or grow your business.

Convenience and Trust

Building a long-term relationship with an independent agent means you have a trusted advisor who can handle all your insurance needs in one place. Their commitment to customer satisfaction and transparency fosters trust and peace of mind, knowing you’re getting honest advice and the best possible protection.

In summary, choosing an independent insurance agent in Massachusetts is a smart decision for anyone seeking personalized service, expert guidance, and flexible coverage options. Their dedication to your needs and ability to navigate the insurance marketplace ensures you’re well-protected now and in the future.

Contact Lallis & Higgins for your insurance needs.

While cooking is fun, being safe is the most important ingredient of any successful dish. Here are a few Kitchen Safety Rules for Kids to get you started.

1. Always ask an adult’s permission before cooking in the kitchen

This may seem obvious at first, but as your kids get more comfortable and independent in the kitchen they may forget to ask at times. Be sure to remind them that an adult has to be present to make sure that they stay safe even if they’re doing all the work.

2. Wash Your Hands

Little hands often carry big germs. Clean hands are so important to food safety and should be the first step before touching any food or appliance. Just remind your little one what they have been touching and ask them if they want it in their food.

3. Clean As You Go

Cleaning spills and messes as you go will prevent slips and falls. Plus, it makes it easier to have a clean kitchen at the end. Like we always say at The Step Stool Chef “Remember Your ABCs: Always Be Cleaning”

4. Use a Potholder or Towel to Carry and Hold Hot Items

Trying to handle hot plates, pots, or appliances can cause burns or you to drop food on the floor. Try getting a colorful towel or potholder that is just for them so they will be excited to use it.

5. Practice Good Knife Safety Tips

Teach kids how to use a knife at a pretty early age. First, start with plastic to-go knives at the toddler age then at the preschool and kindergarten years upgrade to more kid-friendly plastic knives. Teaching your kids the proper way to use a knife is safer than teaching them to avoid it all together.

6. Ask Before You Lick

Kids like to lick EVERYTHING… plates, spoons, their fingers, even the countertops. To make sure they don’t consume raw ingredients that can make them sick, let your kids know that they have to ask before they can lick.

7. Listen, Listen, Listen

This really should be rule number 1, 2, AND 3. Cooking with your kids is a great way to build listening skills and practice following directions. This is a great way to make sure they don’t harm themselves in moments of excitement because they touched something that may be hot, sharp, or slippery.

Source: childrensmedicalgroup.net

If you rent a house or apartment and experience a fire or other disaster, your landlord’s insurance will only cover the costs of repairing the building. To financially protect yourself you will need to buy renters or tenants insurance.

Renters insurance protections

Like homeowners insurance, renters insurance includes three key types of financial protection:

• Coverage for personal possessions
• Liability protection
• Additional living expenses (ALE)

The big difference is that renters insurance doesn't cover the building or structure of the apartment—that's the landlord's responsibility.

The following questions will help you choose the right coverage when you are shopping around for renters insurance or discussing your needs with an insurance professional.

Coverage for personal possessions

Coverage for your personal property is a key component of renters coverage, protecting you from theft, fire and a host of other unfortunate events.

1. How much insurance should I buy?

Make sure you have enough insurance to replace all of your personal possessions in the event of a burglary, fire or other covered disaster. The easiest way to determine the value of all your personal possessions is to create a home inventory—a detailed list of all of your belongings along with their estimated value.

2. Should I choose replacement cost or actual cash value coverage?

Actual cash value policies include a deduction for depreciation (that is, the idea that items lose value over time). Replacement cost coverage is pricier but can be well worth the extra expense if your belongings are damaged or destroyed (think about how much you'd get for your TV used versus how much it would actually cost to replace).

3. What disasters are—and are not—covered?

Renters insurance covers you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and certain types of water damage (such as from a burst pipe or when the tenant upstairs leaves the water running in the bathtub and floods your apartment).

Like standard homeowners policies, most renters insurance policies do not cover floods or earthquakes. Flood coverage is available from the National Flood Insurance Program and a few private insurers. You can get earthquake insurance as a separate policy or have it added as an endorsement to your renters policy, depending on where you live.

4. What is my deductible, and how does it work?

A deductible is an amount of money you responsible for paying before your insurance coverage. For example, if you have a $500 deductible and a fire destroys $5000 worth of furniture, the first $500 is your responsibility and your insurance company will cover $4500.

Renters insurance deductibles are generally specified as a dollar amount, which can be found on the Declarations page of your policy. In general, the larger the deductible, the lower your insurance premium.

5. What is a “floater” and do I need one?

A floater is a separate policy that provides additional coverage for more costly valuables if they are lost or stolen. If you have expensive jewelry, furs, collectibles, sports equipment or musical instruments, consider adding a floater to your policy to protect against their loss.

6. Am I covered if I am traveling or away from home?

Most renters polices include what is called off-premises coverage, which means belongings that are outside of your home are covered against the same disasters listed in your policy. For example, property stolen from your car or a hotel room while you’re traveling would be protected.

Liability protection

7. What is liability insurance?

Renters insurance provides liability protection that covers you against lawsuits for bodily injury or property damage done by you, your family members and even your pets. This coverage pays for the cost of defending you in court, up to the limit of your policy.

Your renters policy should also include no-fault medical coverage as part of the liability protection. Medical payments coverage allows someone who gets injured on your property to simply submit his or her medical bills directly to your insurance company so the bills can be paid without resorting to a lawsuit.

8. Do I have enough liability insurance?

Make sure the amount of liability coverage provided by your policy is sufficient to protect your financial and other material assets in the event of a lawsuit.

9. Do I need an umbrella liability policy?

If you need a larger amount of liability protection, consider purchasing a personal umbrella liability policy. An umbrella policy kicks in when you reach the limit on the underlying liability coverage provided by your renters or auto policy. It will also cover you for things such as libel and slander.

Additional living expenses

Additional living expenses (ALE) coverage provides coverage if your home is destroyed by an insured disaster and you need to live elsewhere for a time.

9. What does ALE cover?

The additional living expenses portion of your rental insurance policy pays for hotel bills, temporary rentals, restaurant meals and other expenses you incur while your rental home is being repaired or rebuilt. Essentially, it covers the expenses you would not have to incur if you had your usual roof over your head.

10. How much does ALE cover?

Most policies will reimburse you the full difference between your additional living expenses and your normal living expenses; however, there are generally limits as to the total amount the insurer will pay or time limits specifying how long you’re eligible for the ALE payments. Make sure you’re comfortable with the limits of the policy you choose.

Multiple policy and other discounts

10. What types of discounts are offered on renters insurance?

Insurance companies often offer discounts on renters insurance if you have another policy with them—for example, car insurance or business insurance.

You may also get a discount if you:

• Have a security system
• Use smoke detectors
• Use deadbolt locks
• Have good credit
• Stay with the same insurer
• Are over 55 years old

Discounts may vary widely by insurance company and by state, so review your options carefully. As always, the same rule-of-thumb applies: shop around for the best deal.

Contact Lallis & Higgins Insurance for more information.

Simple Strategies for Lowering Your Car Insurance Costs

Paying for auto insurance is a necessity, but that doesn’t mean you have to break the bank. By taking a few smart steps, you can keep your premiums affordable without sacrificing coverage.

First, shop around and compare quotes from multiple insurers. Rates can vary significantly, so spending a little extra time on research can lead to big savings. Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, as many companies offer discounts for multiple policies.

Maintaining a clean driving record is another effective way to cut costs—safe drivers often qualify for better rates. If you’re comfortable with it, raising your deductible can also lower your premium, though you’ll be responsible for more out-of-pocket expenses if you have a claim.

Finally, ask your provider about discounts for things like low mileage, good grades (for students), or taking a defensive driving course. By being proactive and reviewing your coverage regularly, you can ensure you’re getting the best deal possible on auto insurance.

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

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!