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Personal


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Personal


Car insurance, home insurance, or both; every customer is different with their own unique needs. We strive to recognize and understand these needs on a personal level and to make sure you are covered properly at the best possible rates.

Regardless of your specific requirements, we can help. Among the personal coverages we provide:

  • Personal Auto
  • Motorcycle
  • Homeowner
  • Dwelling and Fire
  • Condo Owner
  • Tenant / Renter’s Insurance
  • Special Property (Jewelry, Furs, etc.)
  • Watercraft
  • Mobile Homes
  • Trip Insurance
  • Flood
  • Umbrella
  • Identity Theft
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Business and Commercial


Business and Commercial


Whether you have a small business office or a fleet of trucks with many employees, we can help. We can provide you with the confidence that all of your insurance needs are satisfied, so you can focus on what you do best – run your business. Important business  and commercial coverages we provide:

  • Commercial Auto
  • Commercial Liability
  • Commercial Property
  • Business Owners
  • Worker’s Compensation
  • Professional Liability
  • Certificates of Insurance
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Umbrella


Umbrella


Lawsuits are a fact of life these days. If your exposures are larger than average, an umbrella policy may be the additional coverage you need to protect you from any suits brought against you. Adding an umbrella policy to your existing home and auto coverages provides an increased level of liability protection against bodily injury caused to others and damage to other people’s property.

 

READ MORE to better understand how an Umbrella policy may help you.

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Flood


Flood


Did you know that most standard homeowner’s insurance does not cover losses as a result of flooding? Unless you are in a mandated ‘flood zone’, this additional coverage isn’t required – but that doesn’t mean it isn’t important. With our recent weather patterns many homes outside of flood zones have been victims of flooding, leaving repair costs at the owner’s expense.

 

 

LEARN MORE about floods and flood insurance.

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Life and Disability


Life and Disability


Life insurance is a delicate, but important aspect of coverage to be discussed. As a family based business we are especially sensitive to this aspect of planning for the future livelihood of you and your loved ones. Speak to us and be confident that you have a sound plan in place.

 

What is Term Life?

A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term.

 

Who needs Term Life?

If something should happen to you, a Term Life policy could cover your mortgage or a child’s education and leave your family with financial security.

 

How much does a Term Life policy cost?

The cost of a Term Life policy will be determined by your age, although it is very reasonable at any age.

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Long Term Care


Long Term Care


What is Long-Term Care?

Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.

 

Who Needs Long-Term Care?

You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care. Most will be cared for at home; family and friends are the sole caregivers for 70 percent of the elderly. A study by the U. S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more.

 

FACTS

  1. The cost of nursing home care in New England today averages between $250-$300/day.
  2. Medicare doesn’t pay for Long-Term Care.
  3. People are living longer today than at any other time in our history. The fastest growing segment of our population is over 65.
  4. Women, who were once the primary caregivers to family members, are now in the work force because families depend upon two incomes.
  5. 76 million Baby Boomers are aging fast.