Previous Issues:
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With the cost of home heating fuel expected to reach record highs this winter, more people will be turning to alternatives to save money. Fireplaces and woodstoves are predicted to make a big resurgence. With the increase in woodstove use comes a corresponding increase in risk of home fires. Here are a few tips for safer woodstove use. |
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 Try this simple quiz to test your knowledge of what to do when a winter storm hits. Answers to the questions are listed at the end of this edition of the newsletter. |
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 "Why do I pay for outbuildings on my homeowner's policy when I don't have any?" We get this question often. The fact is, there is no cost involved. The homeowners policy is a package that incorporates many coverages into one rate. The "Other Structures" coverage in the homeowner's policy is an automatic separate limit (10% of the dwelling insurance amount). It protects outbuildings such as a pool, garage, fence, cabana or shed. |
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 SAFETY SECTION >>
Some alarming facts: According to statistics published by the Massachusetts Registry of Motor Vehicles, 34% of 16 year olds and 18% of 17 year olds will be in a serious crash. Here are four ways parents can help their teenagers avoid accidents. |
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We’ll keep you posted all along the way
On April 1, 2008 Massachusetts auto insurance underwent a major change. Individual insurers, including the companies we represent, began pricing auto policies with their own rates, approved by the state insurance commissioner. Previously, the state set rates that were the same for all companies. The insurance commissioner calls the change “managed competition.” |
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- FALSE. A “winter storm watch” means that conditions are suitable for severe winter weather, but a storm is not definite.
- TRUE. Keeping the gas tank full as possible prevents freezing of the gas lines.
- FALSE. Homeowner’s policies exclude flood damage.
- FALSE. If you use wood and coal stoves and/or a fireplace, it is recommended that a qualfied chimney sweep inspect your chimney and flue annually prior to use.
- TRUE. Insulating pipes, adding extra flashing on your roof, making sure gutters are clear, and keeping excess snow from awccumulating on the roof are examples of ways to prevent serious damage.
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