If you’re like most people, there are certain items you own that you can’t imagine ever losing—possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or simply because they’re irreplaceable. And, now that it is the holiday season, you want to keep those special gifts protected as well.

While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings (as well as damage to your home’s structure), your policy might provide only partial coverage for your most cherished items.

The good news is that you can still protect the things that matter to you most, even if they’re not fully covered under your homeowners, with a scheduled personal property endorsement that is tailored to meet your specific needs.

Not an easy name, but it can help you sleep better at night

A scheduled personal property endorsement is not something that everyone talks about, but we at Lallis and Higgins Insurance can help you determine if it would be a good fit for you. The first step begins with you. Look around your home and make a list of your cherished possessions. Be sure to consider the following:

• Jewelry
• Antiques
• Art
• Collections
• Musical instruments
• Silverware/China
• Autographed items
• Rare or one-of-a-kind items

Once you have taken an inventory, make the time to talk with us. We are always here to help you determine whether if your prized possessions need more coverage than your current policy provides.

Please keep in mind that it is wise to complete an inventory every year or so, because it’s easy to acquire new items over time that should be added to a scheduled personal property endorsement. It could be tragic to find yourself in a situation rendering you unable to replace what matters most to you.

Contact Us!

At Lallis and 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. Feel free to contact us. We want to help you meet your goals, and make sure what's important to you is protected!

Content provided by Safeco Insurance

During the winter in Massachusetts plumbers get a high number of calls from people needing their water lines fixed. As the cold weather settles in, many homeowners are worried about their heating costs rising and keeping their houses warm. Another cause for concern this time of year is frozen pipes.

Most of the plumbing problems this time of year are due to freezing pipes. Typically the frozen pipes are caused by open cracks in foundations, windows, and doors that leave pipes susceptible to the outside elements.

Make sure all windows are closed and that cracks are sealed. Any pipes that are within 10 to 12 inches to the outside walls should be insulated.

If you find yourself in the unfortunate situation where your pipe burst there are steps you need to take immediately in order to prevent a lot of damage in your home. First find the water meter, typically there is a main shut off valve there. Immediately shut that valve and then call your local plumber. Even just a minute of water running from a burst pipe can do thousands of dollars’ worth of damage to your home.

Also, to prevent frozen pipes, undo and turn off the water to your outside hoses and spickets. If you have an older home with a history of frozen pipes and the temperature is very cold, let some water slowly drip from your faucet overnight or while away. You can also keep the cabinet doors open underneath your sinks to let in the heat.

For more information on protecting your home, contact Lallis & Higgins Insurance in Weymouth, MA.

An insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.

Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of coverage you need so that you are properly protected.

Using an insurance broker doesn't cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.

If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. So whether it's home, car, life or business insurance, brokers are the best, most trusted source of advice available to make sure you are properly protected.

For more information or for a comparison quote, contact Lallis & Higgins Insurance.

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