Lallis and Higgins Blog

Now is the Time for Us to Say "Thanks" to YOU!

Joseph Coupal - Monday, November 25, 2019
Lallis and Higgins - Weymouth, Quincy, MA

Thanksgiving Day is the perfect time to remind one another of the many reasons there are to be grateful. We gather on this day to be thankful for what we have, for the family we love, the friends we cherish, the success we have had, and for the blessings that will come.

Thanksgiving is more than the festivities, it gives us time to ponder the lessons that we have learned and how we can spread happiness around, to look back at all the great memories and good people who came into our lives. We appreciate you, our customers and clients, so much.

At this time of year our thoughts turn gratefully to you with warm appreciation. Our best wishes for a Happy Thanksgiving.


Tips for Deep Frying a Turkey This Thanksgiving

Joseph Coupal - Monday, November 18, 2019

Lallis & Higgins, Weymouth, Quincy, MAThose in Quincy and Weymouth, MA who have tasted deep-fried turkey usually say there’s simply no comparison to an oven-roasted bird — turkey out of the fryer is moist, with crispy skin and a beautiful color.

And, it cooks much more quickly than a turkey in the oven, which means you don’t have to wait for hours on end to get your fix.

But, if you’re not careful, frying a turkey can ruin your Thanksgiving, too. You’ve no doubt seen videos of people accidentally starting fires with their attempts. In some cases, families have even lost their homes.

With a little common sense, though, you can safely enjoy that great taste and fast cooking time. Here are five tips for cooking a great deep-fried turkey — without doing any damage (except maybe to your waistline):

1. Find a safe place to cook.

Don’t ever set up a fryer any closer than 10 feet from your home, garage or any other structure. Make sure the area is flat to keep the fryer from tipping, and never put it on a deck or other flammable surface.

2. Don’t use too much turkey.

You don’t want to drop a 20-pound bird in your fryer; it’s just too big. Keep your turkey to 12 pounds or less, don’t stuff it and make sure it’s completely thawed and dry.

3. Don’t use too much oil, either.

When it comes to the oil, use something with a high smoke point (for example, canola or safflower) and do a test with water beforehand to figure out how much you need. Put the turkey in your fryer and fill with water until it is covered. Then take the turkey out and make a mental note of the water line — that’s how much oil to use. Be sure to dry everything completely after your test.

4. Use caution when it’s time to cook.

Don’t just drop the turkey into the fryer, unless you want to splash hot oil on yourself (bad) or the burner (even worse). Gently lower it into the oil, and then monitor everything as it’s cooking. Keep an eye on the oil temperature to make sure it doesn’t get too hot. Keep an eye on the clock, because you want your turkey to cook for about 3-5 minutes per pound. And, watch kids and pets so they don’t get too close to the fryer.

5. Be prepared for disaster.

If you’re cautious, the odds are you won’t need a fire extinguisher, but you should have one on hand anyway – a multi-purpose model with dry powder. Don’t ever spray water on a fryer fire. If you don’t have an extinguisher, either cover the oil or dump a large amount of baking soda on the blaze. And, if all else fails, call 911 – quickly.

Of course, there’s one way to get a deep-fried turkey that can’t fail: Buy one from a professional. They’re available at some grocery and specialty stores, and even restaurants are getting into the act now.

Whichever you choose, we here at Lallis & Higgins Insurance wish you a happy and safe Thanksgiving!


Preparing for Winter Weather

Joseph Coupal - Friday, November 15, 2019

Lallis & Higgins Insurance, Quincy, Weymouth, MAGetting ready for winter weather

Fall has arrived, but there’s still time to get ready for winter weather, including storms. Extreme cold is always a possibility here in Quincy, Weymouth, MA, so we at Lallis & Higgins Insurance have compiled some tips to help you stay safe and limit damage.

Preparing your home

  • Perform basic winter maintenance — insulate your walls and attic, caulk and weather-strip doors and windows, and insulate water lines that run along outer walls. When temperatures drop, keep water taps slightly open so they drip continuously, and keep the cabinets under sinks open to allow warmer air in.
  • If you use a fireplace or wood stove, have the chimney or flue inspected each year. Make sure your house has working smoke and carbon monoxide detectors, and test them monthly.
  • Check your emergency supplies and ensure that you have adequate food and water, along with a battery-powered radio, in the event of an extended power outage. You’ll want a week’s worth of supplies, or more if you live in a remote area.
  • Never use gas-powered generators or barbecue grills indoors. These can allow deadly carbon monoxide to build up.

Preparing your car

  • Have your vehicle serviced according to manufacturer recommendations. Check the antifreeze level.
  • Keep the gas tank near full, which helps avoid ice in the fuel lines and the gas tank itself.
  • Replace wiper fluid with a wintertime mixture.
  • Make sure your tires are in good shape and have the proper air pressure.
  • Check to confirm your battery has a good charge, your heater and defroster are working well, and that your emergency lights are functional.

Preparing yourself

  • Always wear temperature-appropriate clothing, such as hats, gloves, scarves, etc. Remove any wet clothing immediately. And keep spare clothing in your car trunk throughout winter in case you are stranded or stuck.
  • Stay hydrated. You might think this is more important when it’s warm outside, but it’s just as vital in winter.
  • Be mindful of physical exertion and the amount of time you’re spending outdoors. Shoveling snow is hard work, so don’t overdo it!

Winter is a lot of fun, and we’re looking forward to sledding and trips to Santa's village. So get your house, car and body ready, and have a great season!

Contact Us!

At Lallis & Higgins Insurance, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 781-561-9031 or send us a note at Service@LallisandHiggins.com. We want to help you meet your goals, and make sure what's important to you is protected!

Content provided by Safeco Insurance


Renters Insurance - Do You Need It?

Joseph Coupal - Monday, November 04, 2019
Lallis & Higgins Insurance, Quincy, Weymouth, MA

While the majority of American homeowners have insurance, only about a third of renters buy renters insurance.

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. Your possessions are not covered by your landlord's insurance.

Renters insurance premiums are relatively inexpensive.

With renters insurance, your belongings are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Renters insurance also covers your responsibility to other people injured at your home and pays legal defense costs if you are taken to court.

Renters insurance also covers your additional living expenses (ALE) if you are unable to live in your home because of a fire or other covered peril.

There are two types of renters insurance policies:

Actual Cash Value - pays to replace your possessions up to the limit of your policy, minus a deduction for depreciation.

Replacement Cost - pays the real cost of replacing your belongings (regardless of depreciation) up to the limit of your policy.

If you have expensive jewelry, furs, sports or musical equipment, or collectibles, you may want to consider adding a floater to your policy. Most standard renter’s policies offer only a limited dollar amount for such items; a floater is a separate policy that provides additional insurance for your valuables and even covers them if they are accidentally lost.

If you are a renter, contact Lallis & Higgins Insurance for more information.

Source: Wall Street Journal / Source Insurance Information Institute



Get an insurance quote &
see how much you can save.