Do you feel like you pay too much for home insurance? You might be a risky insurance customer and not even know it. Here are a few types of customers who may raise red flags for home insurance providers.

Insuring a house has as much to do with you as it does the actual building. Home insurance providers set your premium by evaluating the risks posed by you and your house. Homes in Tornado Alley, for example, cost more to insure because of the risk of wind damage. As for you, if you pose certain risks as a policyholder, your premium could shoot through the roof.

The dog lover

When it comes to risk, you may not think your cuddly pooch poses a threat, but some insurance providers believe differently. Carriers often won’t provide coverage for certain breeds because, statistically, they pose more of a liability risk. Pit bulls, Dobermans, Rottweilers and Akitas are just a few breeds that could cause your insurer to elevate your risk as a policyholder.

As for dogs outside those breeds? It depends. If your canine has a history of biting, you could face higher premiums or be denied liability coverage for the animal. Sure, every dog is different, but insurers don’t mess around when it comes to dog bites. The average payout for a dog bite claim in 2013 was nearly $28,000, according to the Insurance Information Institute (III).

The pool owner

Your pool may have seemed like a big plus when you purchased your home, but chances are your insurer isn’t as enthralled with it. Swimming pools pose a big liability risk to insurers. According to the Consumer Product Safety Commission, an average of 5,100 pool- or spa-related injuries in children younger than 15 were treated in hospital emergency departments for 2010 through 2012. During the same time period, 390 pool- or spa-related deaths were reported.

The bottom line: Pools are dangerous, and insurance providers know they increase the odds of a lawsuit.

The procrastinator

Are you bad about getting around to repairs in your home? The longer you put off getting that new roof or fixing that leaky pipe, you could be costing yourself some serious dough. Procrastinating on home repairs not only makes you vulnerable to claims, but the more you wait, the longer you could be stuck paying a high premium.

For example, change out the supply hoses on your water heater and washing machine; you can upgrade to braided steel hoses for about $100. An appliance failure could cost you (and your insurance provider) thousands of dollars.

The unlucky homeowner

You may be the most responsible homeowner who ever lived and simply be unlucky when it comes to claims. You can’t help it if a storm caused a tree to crash through your window or if hail pummeled your roof. However, having claims on your history may cause you to look riskier to an insurance provider. To avoid more claims, do some things to boost safety on your property such as cutting dead branches off trees or checking your roof for loose/missing shingles. Prevention can go a long way in avoiding future claims.

Paying high home insurance premiums or getting denied coverage can be a frustrating experience. However, there are other ways to reduce your premium or find coverage. Comparison shopping is a surefire way to either find the lowest premium or find a provider who will offer you coverage. Each carrier has a different algorithm for determining risk — just because it doesn’t work out with one doesn’t mean you can’t find coverage elsewhere.

To compare insurance quotes, contact Lallis & Higgins Insurance.

Zillow

In today's unsettled economy, many people are looking for ways to stretch their money—but sometimes this includes altering insurance coverages to dangerously low levels or eliminating coverage entirely. If you’re thinking about changing your coverage to save money, consider these key issues below — and give Lallis & Higgins Insurance a call. We can help make sure you’ve got the right protection at a price you can afford.

• Make sure you’re getting the appropriate discounts and credits: Most insurers offer a variety of policy credits and account discounts that can translate into significant savings — without endangering the level of protection you need for your home, autos and other valuable property. And often, if you purchase multiple insurance policies through the same insurance company, you’ll receive further discounts. People who own motorcycles or boats and who complete approved safety courses can qualify for discounts, and families with teen drivers who earn good grades in school may qualify for auto policy discounts.
• Increase deductibles for cost savings: Only a small percentage of homeowners have claims in any given year, so you might consider increasing your deductible.
• Specialty lines coverage options: Own a classic car or RV? If their use is seasonal, you can typically reduce your coverage to liability only during the off-season, then add full coverage only when you are actually using the vehicle.
• Full payment on policy: Depending on your financial circumstances, you may be able to make lump-sum payments instead of partial premium payments, such as monthly or quarterly. Partial payments often include small transaction fees, so paying the full amount can eliminate those extra costs.

Some decisions to avoid

It is just as important to understand what not to do as you look for cost savings. Here are some scenarios you should avoid:

• It may be unwise to carry only the minimum state-required amount of uninsured/underinsured motorist coverage on auto policies, or to cancel it entirely if it is not required in your state: According to the Insurance Research Council (IRC)*, the correlation between the percentage of uninsured motorists and the unemployment rate is high — when the economy is struggling, more people go without insurance. You want to make sure you’re protected in this instance.
• Ignoring renters insurance: This coverage is often overlooked no matter what shape the economy is in. Landlords’ policies generally only cover the structure, not the individual renters’ contents. Imagine having to replace furniture, clothing and other personal property out of pocket because you excluded this essential, affordable coverage and then suffered a devastating loss from a burglary or other covered event.

Saving money is important, but so is making sure that what you’ve got is protected. If you’re looking for ways to save, or want to review your coverages, contact Lallis & Higgins Insurance.

*Insurance Research Council, January 21, 2009

Is a motorcycle right for you?

As springtime approaches, you probably notice something in addition to the warmer weather and blooming flowers: more motorcycles on the roads of Quincy and Weymouth, MA.

Riding looks like a lot of fun, doesn’t it? Just imagine heading down with the sun shining and the road stretching out to the horizon. There are other benefits motorcycle riders enjoy as well, such as lower fuel costs and easier parking; but riding a motorcycle safely requires different skills than driving a car.

If you’re thinking that this is the year you’re going to buy your very own bike, let us at help you determine if a motorcycle is right for you. We’ve provided some questions below that the Motorcycle Safety Foundation recommends you honestly answer before becoming a bike owner.

Are you a risk-taker? Or are you safety-minded?

Think about how you drive your car. If you have aggressive tendencies or do things like talk on your phone while driving, a motorcycle probably isn’t for you. Motorcycles lack the protection that cars can provide in an accident, so driver focus and caution are extremely important.

How is your vision? What about your balance and coordination?

It’s extremely important that you see well – peripherally and in general – when riding a motorcycle. Motorcycles are not as visible as other vehicles on the road, so riders need to be alert and aware at all times. And, of course, riding requires balance and coordination, much like a bicycle. If you’re not great on non-motorized two-wheelers, you might want to think again about motorcycling.

Do you respect dangerous machinery?

When you use a chainsaw or other equipment that can cause harm, do you always follow the instructions and wear the proper safety gear? If not, a motorcycle probably isn’t right for you. Maintenance and protective equipment is vital to riding safely. What you might be able to get away with when driving a car or using power tools could lead to a tragic outcome on a motorcycle.

Are you willing to invest in riding safely?

The best way to stay safe on a motorcycle is to invest some time before you get on the bike. Take a safety course and learn how to ride the right way. Purchase the right gear, including approved helmets and padded clothing. And learn about properly maintaining your motorcycle.

If you’re prepared and commit to safe riding, motorcycling can be a great way to get around. The freedom you’ll feel on the road is different than driving any car, which is just one reason millions of people find riding to be incredibly rewarding.

And when you’re ready, we are too! Feel free to give Lallis & Higgins Insurance a call at to discuss your motorcycle insurance options as well as safety tips! For more information, contact us.

Despite our spring-like weather last week, winter is back with a vengeance and Winter Storm Stella is set to hit early Tuesday morning. With blizzard conditions, strong winds and more than a foot of snow expected across much of New England, here are some reminders about staying safe during the storm.

For your Home

• Keep your pipes toasty - As the temperature drops outside on Monday night, make sure to set your thermostat inside to a warm temperature to avoid freezing pipes. Read more about preventing frozen pipes
• Charge up - Stock up on flashlights and batteries in case you lose power from the powerful winds that are expected

On the Road

• Know before you go - Know the road conditions and try to avoid driving during the storm and wait until roads have been cleared if possible
• Dig out and clean - Clear your car of all snow, including your windows, lights, mirrors, exhaust pipe and roof before driving
• Don't rush it - Drive slowly and make sure to leave enough space for stopping. Remember, it takes more time and distance to stop in wintry conditions

We are here to help during and after the storm. Contact us for more information.

Stay safe and warm this week!

Plymouth Rock and Bunker Hill

Adulting (verb) - acting like an adult or engaging in activities usually associated with adulthood, often responsible or boring tasks.

If you’re a millennial, you know this definition all too well. You’ve reached the age where you may be taking out student loans, buying or renting a place to live, having kids and, ultimately, purchasing insurance. These major life events for millennials make it extremely important to have a financial security net. And that’s exactly what insurance is: a financial security net. So it’s troubling that a survey from Princeton Survey Research Associates International named millennials the most underinsured generation.

There are many reasons why people of all generations avoid purchasing insurance. It‘s often seen as a big investment, but that doesn’t necessarily mean that it’s an expensive one. In fact, insurance probably costs less than you think. According to the National Association of Insurance Commissioners (NAIC), millennials overestimated the cost of renters insurance by more than five times its actual cost per year.

Also, the complicated terms can make finding a policy a puzzling experience and the subject matter can be tough to digest. No one wants to think about being in a car accident, experiencing a break-in, losing everything in an apartment fire or any other sort of bad, unexpected event. But these things can happen, so you’ll want to be prepared.

And don’t let any initial confusion or preconceived notions drive you away.

Insurance provides essential financial protection for your future, so now’s the time to start “adulting” and take that first step.

Here are some tips for buying insurance:

1. Shop smart. When looking for insurance, your No. 1 priority should be to find the right coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
2. Look for discounts. Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
3. Fill in the gaps. An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.
4. Purchase life insurance—you aren’t too young. Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses.
5. Talk to an independent agent. An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.

For more information on all your insurance needs, contact Lallis & Higgins Insurance.

grangeinsurance.com

Ready to give your home a top-to-bottom buffing? Lallis & Higgins Insurance suggests focusing on furnishings, appliances, and carpeting. Once you’ve covered these major tasks, you’ll have your home spring-cleaned in no time.

Make doormats welcoming

Shake 'em, wash 'em, swat 'em with a broom. Give them the toughest cleaning they can take. They’re your front line against tracked-in dirt—so keep them clean enough to function at peak efficiency.

Clean carpets and upholstery

Fabrics that have absorbed a winter’s worth of dirt, body oil, and germs will need a deep cleaning to get them ready for another year of wear. When you’re shampooing carpets or cleaning upholstery with a rented carpet cleaner, practice first in an unobtrusive area to make sure you have the knack of the machine and that the treatment won’t discolor fabrics or cause dyes to run. Move furniture just slightly—not out of the room or against the wall—and place the legs of each piece back on top of small wax paper squares after shampooing. The wax paper will protect your carpet and keep the furniture legs from getting wet as the carpet dries. Open the windows to speed the drying process, which can take a day or more. If you’re not the furniture-shifting and machine-renting type, use a professional carpet and upholstery cleaner.

Finish your floors

To protect the floors in your kitchen from another year of wear and tear, wax or apply a sealer following label directions. The simplest method: Use a combination wash-and-wax floor cleaner. No-wax floors don’t need a polishing treatment, but an occasional makeover will keep them looking fresher and add a protective buffer that could help them last longer. Use a floor cleaner that cleans, shines, or both. If you have wood floors, move furniture and rugs aside, then apply a wood cleaner and either liquid or paste polish to clean and add a new wax coating.

Wash walls, cabinets, baseboards, and woodwork

The walls may not look as if they need a bath—dust and soot fall to the floor, right? Most of it does, but just enough clings to vertical surfaces to warrant a seasonal or pre-holiday bath. Use a sponge and hand dishwashing detergent, washing the surface in sections. A sponge mop makes it easier to reach higher spots. Use two buckets: one for dishwashing detergent solution and another for wringing your sponge. Dry the walls and woodwork with a clean cloth.

Vacuum with intelligence

The old rules mandated that you go through the labor-intensive task of dragging every stick of furniture off the carpet, just so the vacuum cleaner could cover every nook and cranny. Instead, simply move those big items a little to the left or to the right. Vacuum the area previously occupied by the furniture and then move it back into place.

Clean ceiling fixtures

Remove dust and dirt from ceiling fans and air-conditioner vents with a cloth and a vacuum with a soft nozzle attachment.

Clean your light fixtures

A few minutes with a stepladder, all-purpose cleaner, a sponge, and a polish cloth will give new light to your life. If your home has skylights or tall ceilings, consider investing in a stepladder and extended-reach dust-and-dirt-removal tools, all of which are available at your local hardware store and at home supply stores.

Check your coils

You should clean the refrigerator’s condenser coil, usually found behind the toe grille, with a long-handled bottle brush and a vacuum cleaner with an attachment hose to remove dust and lint. Built-up dust can shut down the unit by causing it to overheat. To remove dust from coils attached to the hard-to-reach back side of the fridge, carefully pull the refrigerator out several feet (newer models roll on casters) and vacuum thoroughly; finish by sweeping or vacuuming the floor area you’ve revealed. Expect to rediscover coins, bottle caps, and twist ties that you and the cat knocked over the past year.

Readers Digest

Homeowners are naturally concerned about protecting their properties — but many also worry about the protection itself. Making sure you get things right with homeowner's insurance takes information, thought and perhaps a little expert help.

Insurance agents are likely to insist that it's a mistake to shop only for the lowest premium. If you listen to what they say, you'll likely be persuaded that your decision should indeed take other things into account.

When people are looking at purchasing, they should take a step back and consider what they're insuring — the home, furnishings, protection for personal liability. For most people, that global view is probably better than thinking only about premiums.

A basic difference in coverages

Buyers must be aware that some policies provide the replacement value of a home, and some only cover a similar place minus depreciation. The difference is important.

That replacement value is the first thing that comes into play. It's not what you paid for the house, not what you’d sell the house for. It's the amount to rebuild if nothing is left, how much to replace it all. It would include a number for the whole house and a number for the property inside.

You should also know that the replacement value may be different with different agents. If you're comparing apples to apples, the higher value will probably mean higher premiums.

Homeowners who choose to insure for less than replacement value could confront a situation in which they would have to accept something less than what they had before when they repair or rebuild after a major loss.

What's covered, what's not

A homeowner should never assume what is or isn't covered by a policy under consideration. In fact, it's unwise to take anything for granted as covered by a policy you already have. Have your agent spell everything out in full detail.

A good approach to consider is “insurance against all perils except those specifically excluded within the policy." That is delivered by a special form HO3 policy, which covers the dwelling, other buildings on the property, liability, guests and medical protection. Should the house become uninhabitable, it would pay for additional living expenses while repairs go forward.

Homeowner's policies don't include flood insurance, which is available separately from the National Flood Insurance Program. You can consult with your agent about this. Cost depends on the amount of coverage purchased, what it covers, and the property's flood risk.

What's inside the house

On the special form, your personal property is covered, usually a percentage of what the home's insured for.

Like the house itself, there are differences in available coverage between replacement value and actual cash value for furnishings, appliances and the like. Policy buyers should think about —– and discuss with the agent —what coverage makes sense in their cases.

Without paying extra, you'll get some coverage for theft or damage on valuables like jewelry, furs, coins, silverware or guns. This is limited, though — for jewelry, the total might be $2,500. Very often luxury items or collections are worth far more than basic homeowner's coverage will include. For such items, extra insurance purchases may be required to safeguard their value.

Certain specialty items are worth thinking about in terms of specialized coverage — a high-end professional computer might be an example.

Saving some money

Accepting higher deductibles can produce more affordable premiums.

Bundling — buying auto, and homeowners policies from the same company or insurance agency— can cut the overall cost of insurance. You should also try to limit the number of small claims you make, which can increase your costs and could also make it harder to change companies.

For more information on homeowners insurance in Quincy, contact Lallis & Higgins Insurance.

mcall.com

Now is the time to protect your home from ice dams

After three winter storms in less than a week, you may be noticing some pretty large snow piles on the roof of your home. With a slight warm up in temperature coming mid-week, now is the time to remove snow in order to prevent the buildup of ice dams - and potential damage to your home.

As you may recall from our winter in 2015, ice dams can be very destructive as the water from melting snow backs up behind the dam and leaks into your home underneath the shingles.

There are two basic approaches to help you prevent damage to your home from ice dams:

1. Remove snow and ice from your roof. The safest way to clear your roof is to hire a snow removal professional. However, if you plan to do it yourself, follow these recommendations from roofing experts:

• Use a roof rake instead of a shovel
• Try not to damage your shingles
• Avoid standing under icicles or roofs with large amounts of snow
• Use extreme caution when using ladders because rungs become very slippery
• Keep tools away from electrical wires
• Have someone nearby in case you need assistance

2. Create channels to help melt ice.

• If you notice an ice buildup, fill a large sock with a melting agent (preferably calcium chloride) and lay it across the dam perpendicular to the gutter
• The sock will release the melting agent gradually and create a channel in the ice for water to empty through
• You may need several socks for an ice dam that runs the length of your roof

If you notice leaks in your home, it's important to do what you can to mitigate the damage:

• Collect the dripping water in buckets and pans
• Mop up standing water
• Move furniture, clothes and valuables out of harm's way
• Call a professional to deal with the snow on the roof and to dry out your house

For information on home insurance contact Lallis & Higgins Insurance.

Plymouth Rock

For a first-time homebuyer, nothing is more important than properly protecting a new investment and that means purchasing a homeowner’s insurance policy. It is important to have an understanding about the importance of appropriate insurance coverage.

Here are just a few tips:

1. Factor in home insurance

When calculating monthly mortgage payments, it’s important to factor in home insurance. Just as property taxes will likely be paid out of an escrow account, so will insurance premiums.

2. Find an insurer early

Finding an insurer early can give a homebuyer peace of mind. Shop around for a policy that best suits your needs. An insurance company that works with multiple providers can assist a homebuyer in comparing policies and selecting insurance coverage.

Think of it as a one-stop comparison. The more providers a company works with, the more likely it is that you will come away with a policy tailored to specific needs.

3. Figure out your priority

You should think about what is most important in an insurance provider. Is it price, service or coverage? This can help guide you in making insurance choices.

4. Consider your future insurance needs when buying

Property features can figure into the type of coverage you need. Consider the specific aspects of the new home. Does it have a pool? A trampoline? What about a security system?

If a home is situated in a flood plain, a homeowner will need a separate policy to cover flood risk. Even owning certain types of dog breeds can affect insurance needs.

5. Don’t forget your belongings

Think about how much coverage you would need to protect all belongings and the structure itself against complete loss and total replacement and rebuilding.

Comprehensive coverage is the best way to ensure that a home and its contents are fully protected if disaster strikes. It’s also important to know which types of belongings needs separate riders — items of high value like valuable jewelry or pricy antiques.

6. Remember liability insurance

Liability insurance is an important part of a homeowner’s policy, as it protects an owner’s assets if someone should be injured on his or her property.

7. Bundle policies

Bundling policies together (auto, business and life) can save a homeowner on annual premiums.

8. Ask lots of questions

Understanding the ins and outs of insurance coverage is something a homeowner should consider along with the other aspects of homeownership.

Insurance companies that have established a network of professionals that include real estate agents, loan officers, real estate attorneys, as well as financial advisers can help homeowners manage every aspect of buying a new home.

This is particularly important for a first-time buyer who is just beginning to form relationships with industry professionals and is looking for people he or she can trust.

For an insurance company you trust, contact Lallis & Higgins Insurance.

inman

New England is in the Big Game once again! Hosting a party this Sunday can feel like trying to dodge a blitz. With lots of guests, alcohol and charged emotions, disaster can strike from any direction. Here’s how your homeowner insurance policy can keep your wallet from taking a hit.

Intercepted belongings

Even small parties could include a few friends of a friend whom you don’t know. If you discover come super-cleanup Monday that your prized autographed football is gone, home insurance can help. Personal property coverage pays to replace stolen items, up to your policy’s limit.

Extra point: Take a personal contents inventory. Even going room to room and photographing belongings with your phone will help you provide claim details if something’s stolen.

The action heats up … at the same time as the grill

Sunday is a big cooking day — and not only in the kitchen. More than 1 in 4 grill owners brave the weather to fire up grub for the game.

Unfortunately, the festive atmosphere makes cooking fires one of the more common party accidents. If your house is damaged by fire or even destroyed, you can file a claim through your home insurance’s dwelling coverage for repairs or reconstruction.

Extra point: Ask your insurance agent to help determine the home’s current rebuilding cost. If it exceeds the dwelling insurance, increase limits on that coverage.

Guests on the injured list

It’s your job to keep your property and party safe. You could be financially responsible if that big-screen TV topples onto someone’s foot or your appetizers trigger food poisoning.

A standard home insurance policy includes medical payments coverage for injuries to visitors. It also includes liability coverage, which kicks in if you’re sued for injuries.

Extra point: It’s wise to check your medical payments insurance limit. A standard home policy provides about $1,000 in medical coverage per person, which might not be enough to pay for treatment of a guest’s injury.

Ineligible partygoer behind the wheel

Alcohol plays a part in many fans’ festivities. In 2016, BACtrack examined over 5,000 tests by users of its smartphone-enabled Breathalyzer. The average blood-alcohol content measured during game was 50% higher than on other non-holiday Sundays.

If your guests leave drunk, you could be on the hook for what happens on the road. Liability insurance with your homeowner policy might help pay for damage or injuries in these cases. But it’s not a sure thing, since coverage depends on the incident and your policy.

Extra point: Taking steps to prevent drunken driving is the surest way to avoid a lawsuit, so invite designated drivers. In some states, hosts could face criminal charges, not just civil penalties, if a drunken guest causes injuries or damage while driving.

For more information on homeowner insurance in Hingham, MA, contact Lallis & Higgins Insurance.