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ATV Insurance: Ask Your Agent these Questions

- Tuesday, September 15, 2026
Lallis & Higgins Insurance - ATV Insurance: Ask Your Agent these Questions

What do outdoor adventures look like for you? Whether it's an ATV, UTV, dirt bike, dune buggy, golf cart or other off-road vehicle (ORV), you'll want to make sure you have the right type of insurance coverage to protect your toys. It's important to ask your independent insurance agent the right questions about what type of coverage you're seeking and customize it to fit your lifestyle. To help you get started, we put together the following list of questions after speaking with Kevin Henry, the Director of Product Management at Foremost® Insurance.

1. What typical coverages are available for ATV/UTVs?

Ask your agent or broker about standard coverages that are available, as well as optional ones you might consider. Standard coverages include Collision, Other Than Collision, Liability and Medical Payments. They help provide coverage for damage to your ATV itself or damage or injury that you may cause while riding your ATV.

2. Is my safety apparel covered?

Whether it's helmets, goggles or other clothing that helps minimize injuries from an accident, most companies will offer safety apparel coverage for when these things get damaged. We want riders to be as safe as possible while enjoying the outdoors, so we encourage wearing safety gear.

3. Is there optional equipment coverage available?

Most people have customized or added options to their ATVs. Optional Equipment coverage helps cover things like towable trailers, racks and winch kits for your ATV.

4. Am I able to insure my ATV/UTV year-round?

Year-round coverage is definitely something you may want to consider. Some policies have a lay-up period for colder weather when you may not be able to ride. But when an unusually warm day comes around and you want to take your ATV out, you might be stuck without coverage. A year-round policy lets you take it out whenever Mother Nature's providing good weather and, with some companies, you can do this for the same price as seasonal coverage.

5. What kinds of discounts are available?

Everybody wants to save money. Ask what's available for you. Some companies, like Foremost, offer discounts for things like multi-units, multi-policies, maintaining continuous coverage when you renew and for having prior off-road vehicle insurance.

Your safety is number one to us. Stay safe wherever you choose to go on your off-road vehicle, contact Lallis & Higgins Insurance.

Source: foremost.com


Does Home Insurance Cover Natural Disasters?

- Thursday, September 10, 2026
Lallis & Higgins Insurance - Does Home Insurance Cover Natural Disasters?

Does home insurance cover natural disasters? Short answer: Most disasters. More accurate answer: It's complicated.

As with every insurance question, there's never a simple yes or no answer. If you have coverage questions, it's always best that you reach out to your insurance agent. And if you don't have one, consider finding a Foremost insurance agent near you.

Home insurance only covers damage that is "direct, abrupt and accidental" and resulting from one of the "covered perils" contained in your policy. Many natural disasters are typically covered in a homeowner's policy ranging from windstorm and hail damage to fire.

However, some perils such as flood damage or earthquakes are typically excluded. Flood and earthquake insurance are usually bought separately from your homeowner's policy, highlighting the importance of reading through your policy's specifics.

Make sure you're covered, contact Lallis & Higgins Insurance.

Source: foremost.com


Common Car Insurance Coverages Explained

- Wednesday, September 02, 2026
Lallis & Higgins Insurance - Common Car Insurance Coverages Explained

Liability Coverage

This is the kind of coverage you probably already have if you're a driver. Almost all states require you to carry auto liability insurance.

Liability coverage pays for the damage you cause if you get into an accident, up to certain limits and exclusions outlined in your policy.

It typically covers your liability for both bodily injury (medical expenses for others) and property damage (repairs to others property). It's important to note that liability coverage does not cover your car or your medical expenses - only the damage you cause to other people and their property in an accident would be covered.

Collision and Comprehensive

Collision and comprehensive coverage are usually optional but can help cover your property in the event of damage.

Collision coverage provides coverage for your car in the event of an accident, regardless of who's at fault and minus your deductible. This type of coverage typically applies to a collision with another vehicle or structures.

Comprehensive coverage provides coverage for your automobile in the event of non-collision events, like hail, falling objects, or if your car is stolen. The specific events covered will be written in the policy.

Lenders often require collision and comprehensive coverage for financed or leased vehicles to protect their investment.

Personal Injury Protection (PIP) and Medical Payments h3 Some states require PIP insurance, but it may also be added as an optional coverage in other states.

Personal injury protection pays for your medical expenses and lost wages (up to the policy's stated limit) in the event you are injured in an accident, regardless of who's at fault.

Medical payments is another optional coverage that will also pay for the medical bills (up to the policy's stated limit) of any passengers in your car who may have been injured.

Uninsured and Underinsured Motorist

Unfortunately, some drivers attempt to save money by driving without insurance altogether.

In these cases, it's important to have un- and under- insured motorist coverage. Some states require this type of insurance while others allow you to opt out of these coverages.

Uninsured motorist coverage typically helps pay for your losses that are caused by someone without liability insurance. Similarly, underinsured motorist coverage will pay for your losses when someone's liability coverage limits don't cover all the injuries they caused.

Uninsured motorist property damage is a type of car insurance that covers damage to your vehicle and other property caused by an uninsured or underinsured driver. This is also an optional coverage that may not be available in all states.

Gap Insurance

As soon as you drive a new car off the lot, it loses a significant amount of value due to depreciation. Unfortunately, if you're financing a car, your loan obligation doesn't decrease along with the actual value of the vehicle. So, if you have a total loss of a car that was worth $35K at the time of the accident and your loan was for $40K, your insurer typically only pays for the actual value of the car at the time of the accident, leaving you with a gap - the remaining $5K of the loan amount to pay.

When purchased, gap insurance helps with this problem by offering to cover the difference between what the car is worth and what you owe.

In some instances, it is required or provided by your lender, but it is usually optional.

If you're exploring your coverage options, contact Lallis & Higgins Insurance.


2025 Fantasy Football Draft Tips

- Monday, August 24, 2026
Lallis & Higgins Insurance - 2025 Fantasy Football Draft Tips

Build a smart draft plan, stay flexible, and chase upside without ignoring safe roster foundations.

DO: Know rankings, ADP, roster changes, and league trends before draft day. Prioritize volume, target rising offenses, and use bench spots on high-upside players such as rookies, breakout candidates, and backup running backs who could become starters.

Also do: Be intentional at quarterback and tight end. Either pay for elite options or wait for value later; avoid overpaying for the middle tier. And draft players you actually enjoy rooting for.

DON’T: Overplan, chase last year’s results, or assume players are “injury-prone” just because they have missed time. Be willing to challenge consensus when your research supports it.

Also don’t: Avoid players only because they are on bad offenses, in backfield committees, or facing supposedly tough schedules. Opportunity and talent matter more than labels.

Before the positional drop-offs, try to secure at least one reliable option at each key position, then use later picks to take calculated risks. Fantasy titles are usually won by managers who combine preparation with upside.

Source: nfl.com


Southshore Beaches to See on National Beach Day!

- Tuesday, August 18, 2026
Lallis & Higgins Insurance - Southshore Beaches to See on National Beach Day!

Summer may be drawing to it’s “official close” but there’s still a lot of time to visit some great beaches on the Southshore of Massachusetts! In fact, August 30th is National Beach Day. Maybe you should choose a new beach to see to celebrate!

The top beaches on Massachusetts' South Shore include the wide, activity-filled Nantasket Beach in Hull, the expansive 7-mile barrier Duxbury Beach, Marshfield’s scenic and dog-friendly Rexhame Beach, and Scituate’s classic community spots like Peggotty Beach and Humarock Beach. [1, 2, 3, 4]

Top South Shore Beaches

Nantasket Beach, Hull, MA

Famous for its golden-grey sand, gentle surf, historic Paragon Carousel proximity, and sweeping views of the Boston skyline. It features robust facilities and nearby dining.

Duxbury Beach, Duxbury, MA

A massive barrier beach stretching nearly 7.5 miles with pristine dunes. Public access is available at Duxbury Beach Park (approx. $25 parking fee) with a pavilion, restrooms, and close proximity to local food spots like Blakeman's.

Rexhame Beach, Marshfield, MA

Known for soft white sand, high dunes, walking trails, and adjacent salt marshes. It is popular with families and allows dogs during specific off-peak rules or areas.

Peggotty Beach, Scituate, MA

A classic family-friendly neighborhood beach featuring flat, packed sand at low tide and great swimming, located just a short drive or walk from Scituate Harbor's shops and eateries.

Humarock Beach, Scituate, MA

Situated on a narrow peninsula where the South River meets the ocean, offering a tight-knit beach-town vibe with local restaurants and ice cream shops within walking distance.


10 Safe Driving Tips

- Monday, August 10, 2026
Lallis & Higgins Insurance - 10 Safe Driving Tips

Buckle Up. Every Trip, Every Time

Wearing your seat belt can save your life and reduce the risk of injuries if you’re in a crash. Always place the shoulder belt across the middle of your chest and away from your neck, and place the lap belt across your hips, not your stomach. You should never put the shoulder belt behind your back or under your arm. Misuse can have dangerous consequences. If you have passengers, make sure everyone is properly buckled before hitting the road. Remember: Buckle Up. Every Trip. Every Time.

Ensure Children Are in the Right Seat

It’s important to choose the right seat, install it correctly, use it every time your child is in the car, and know when it’s safe to transition to another type of car seat or seat belt. NHTSA can help you through the process with car seat recommendations based on your child’s age and size, detailed car seat installation instructions, and finding a car seat inspection station to have a certified technician check your work. NHTSA also offers seat belt safety tips for tweens. Remember that the back seat is the safest place for children under 13.

Drive Sober

Driving while impaired is a dangerous, deadly crime. In every state, it’s illegal to drive impaired by any substance—alcohol or other drugs, whether legal or illegal. Being a responsible driver is simple: if you’re impaired, do not drive. Instead, plan ahead and arrange a safe ride home before the event. You can schedule a rideshare or taxi, call a sober friend, or use public transportation to get home safely. If you’re hosting an event where alcohol will be served, make sure all guests leave with a sober driver and don’t hesitate to stop someone from getting behind the wheel after drinking.

Pay Attention to the Road

Distracted driving includes talking or texting on your phone, eating and drinking, talking to people in your vehicle, adjusting the stereo, entertainment, or navigation system—anything that takes your attention away from the task of safe driving. Texting or holding a cell phone to talk is illegal in many states. Remember that driving safely always requires your full attention.

Obey Speed Limits

Speeding puts you, your passengers, and all the people you share the road with in unnecessary danger. Speeding also increases the risk for more severe injuries in a crash. Remember that speed affects your safety even when you’re driving the speed limit but too fast for road conditions, such as in bad weather, at dawn or dusk, at night, or through a construction zone.

Never Drive Drowsy

Making sure you get enough sleep daily is the best way to protect yourself against the dangers of drowsy driving. If you take medications, make sure to understand how they may affect your ability to drive safely and adjust your schedule or arrange for alternative transportation if necessary. If you must drive during the peak sleepiness periods (midnight to 6 a.m. and late afternoon), be alert for signs of drowsiness, such as driving over roadway lines or rumble strips.

Share the Road Responsibly

Be mindful that you share the road with not only other motorists, but also motorcyclists, bicyclists, and pedestrians. Learn about the safety challenges motorcyclists face because of their size and visibility and motorcycle riding practices like downshifting and weaving to know how to anticipate and respond to them. Make sure to give bicyclists enough room on the road, yield to them as you would other motorists, and don’t underestimate their speed. Always be on the lookout for pedestrians and use extra caution when driving in hard-to-see conditions.

Pay Attention to Flashing Lights

If you see a vehicle with flashing lights stopped on a highway, move over into a lane not adjacent to the vehicle. If moving over isn’t safe, slow down. All 50 states have Move Over laws to protect law enforcement officers, emergency responders and other roadside workers. Flashing lights also include watching out for school buses in neighborhoods and communities. If a school bus has its yellow lights flashing, you must slow down and prepare to stop. If the bus’s red lights are flashing and its stop-arm is extended, you must come to a full stop and wait until the bus’s flashing lights turn off and the bus begins moving again. It’s illegal to speed up and pass a bus as it slows to a stop with its yellow lights flashing or is stopped with its red lights flashing. Even when a bus doesn’t have flashing lights, take extra care to look out for children.

Talk to Teen Drivers

If you have a teen driver, remind them to always wear their seat belts, obey speed limits, put away their phone and limit the number of people they allow to ride with them to reduce distractions. Remember that you have more influence on your teen than you may think, so be a good role model and get and stay involved in your teen’s driving habits.

Check for Recalls

You should check for vehicle safety recalls at least twice a year. There are many ways to check for recalls: You can visit NHTSA.gov/Recalls and enter your vehicle’s license plate or VIN. You can sign up for email alerts that will notify you if your vehicle is affected by a future safety recall. You can also download NHTSA’s SaferCar app, enter and store your vehicle’s information in the virtual garage, and let the app automatically send you a notification if there’s a recall. If a vehicle does have a recall, contact the automaker’s local dealership to schedule a free recall repair. Make sure to also search for recalls related to other vehicle equipment such as car seats and tires.


Family Summer Fun South of Boston

- Monday, August 03, 2026
Lallis & Higgins Insurance - Family Summer Fun South of Boston

The South Shore of Massachusetts offers incredible summer fun, ranging from sandy beach days to living history and outdoor dining. Top highlights include riding the historic Paragon Carousel in Hull, wandering the trails at World's End in Hingham, exploring living history at Plimoth Patuxet, and enjoying fresh seafood right on the water in Scituate.

Coastal Adventures & Beaches

Duxbury Beach: A scenic, six-mile barrier beach perfect for swimming and relaxing. It features lifeguards, a snack bar, and a historic wooden bridge.

Nantasket Beach (Hull): Enjoy a classic New England beach day with ocean swimming, or head to the retro arcades and grab fresh fried fish at spots like Jake's.

Plymouth Whale Watching: Hop on a Captain John Whale Watch at the Plymouth Town Wharf for a 4-hour narrated excursion out to Stellwagen Bank to see humpback and finback whales.

Outdoor Excursions

Norris Reservation (Norwell): Take a free, shaded hike through pine and oak forests ending at a boathouse on the banks of the tidal North River.

World's End (Hingham): A Trustees property featuring sweeping harbor views, walking trails, and perfect spots for a summer picnic.

Weir River Farm (Hingham): A great spot for families to meet farm animals, take barnyard tours, and enjoy local farm-to-table events.

Dining & Entertainment

Scituate Harbor: Stroll along Front St., shop at local boutiques, and grab dinner or drinks right on the water.

Roht Marine (Marshfield): Offers a fantastic casual dining experience right on the North River, perfect for enjoying fried seafood and drinks on the patio.

Derby Street Shoppes (Hingham): Enjoy outdoor shopping, dining, and family-friendly summer movie nights under the stars.

Summer Festivals & Fairs

Scituate Heritage Days: A massive mid-summer weekend celebration featuring live music, arts and crafts, a carnival, and food vendors.

The Marshfield Fair: A late-summer staple that brings rides, agricultural exhibits, games, and classic fair food to the South Shore.


Reducing Motor Vehicle Theft

- Monday, July 27, 2026

In 2025, more than 650,000 vehicles were stolen in the United States. Summers prove to be the worst season for vehicle theft. So, to help drivers keep their vehicles safe, NHTSA is continuing its annual Vehicle Theft Prevention Campaign during July — National Vehicle Theft Prevention Month.


What is Dwelling Coverage in Home Insurance?

- Monday, July 20, 2026
Lallis & Higgins Insurance - What is Dwelling Coverage in Home Insurance?

If you've taken a look at your homeowner's policy recently you might be wondering - what is dwelling coverage?

Time to learn the ABCs of coverage, starting with Coverage A (Dwelling coverage).

Coverage A

Coverage A is the part of your insurance policy which dictates coverage on the physical structure of your home. It provides coverage on the dwelling on a property for certain perils.

This is important because your homeowner's policy is a mixture of various coverage schedules from A to F, each establishing the rules of coverage for different things.

Your dwelling coverage is the set of rules specific to the main house structure and attachments (such as decks or porches). It also includes plumbing, heating and permanently installed fixtures like cabinets.

It will not dictate the coverage for the items inside your house, like personal belongings. Those are under Coverage C or for other structures on your property like a shed or trees - which are considered

Coverage B.

It's important to read your insurance policy carefully so you understand the rules that dictate your coverage for each aspect of your property.

If you have coverage questions, it's always best to reach out to your insurance agent. And if you don't have an agent, contact Lallis & Higgins Insurance.


Jalapeno-Lime Chicken Drumsticks

- Monday, July 13, 2026
Lallis & Higgins Insurance - Jalapeno-Lime Chicken Drumsticks

Ingredients:

1 jar (10 ounces) red jalapeno pepper jelly
1/4 cup lime juice
12 chicken drumsticks (about 3 pounds)
1 teaspoon salt
1/2 teaspoon pepper

Directions:

In a small saucepan, heat jelly and lime juice over medium heat until melted. Set aside 1/2 cup for serving.

Sprinkle chicken with salt and pepper. On a greased grill rack, grill chicken, covered, over medium heat 15-20 minutes or until a thermometer reads 170°-175°, turning occasionally and basting with remaining jelly mixture during the last 5 minutes of cooking. Serve with reserved jelly mixture.

Source: tasteofhome.com



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