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Your Tax Refund, Home Improvement, and Insurance Savings


Tax-DayThe Income Tax filing deadline is just a week away!


As of the end of February, the IRS has refunded $146 billion and the average refund is $3034.  So if you’re getting money back , it may be tempting to spend that newly-found cash on fun things (like vacations), but investing part or all of your refund on home improvement projects can save you money on your insurance premiums.  Here are a few suggestions: Read the rest of this entry »

Checklist for Spring Home Maintenance


nesea-tour-2006We say ENOUGH OF WINTER.  This one has been particularly tough — snowy, cold, and far too long.  But with spring here it’s time to get out and check around your home for any damage or maintenance issues.  Here’s a quick checklist to help: Read the rest of this entry »

Poisonings Are Preventable. Find Out How!


phelp-logo_color-loresThis week is National Poison Prevention Week so it seems like the perfect time to share some valuable tips on keeping your family and friends safe in and around your home:


The danger

 In 2012, the 57 poison centers across the country answered a total of 3.4 million calls.  Think about it — that’s one EVERY EIGHT SECONDS!  And since we all know that children are curious (and get into things faster than many adult imagine), it’s not surprising that children under 6 years of age accounted for half those calls. Read the rest of this entry »

Home-based Business Insurance


Bedford-Home-Office-Modular-Components-Design-IdeasIf you’re running a business from your home, don’t count on your homeowner insurance policy to provide the protection you need. The following – courtesy of the Insurance Information Institute – will give you a broad overview of the types of insurance protection you should consider, depending on the nature of your business and the insurance company providing the policy. Read the rest of this entry »

Careful: The Change to Daylight Savings Time Has a Few Risks!


spring-forwardWe change on Sunday morning at 2:00am to Daylight Savings Time…springing forward one hour. In the larger scheme of things, that shouldn’t be any big thing.  Right?  Well, that’s not necessarily the case. Medical researchers have actually spent numerous hours studying the impact of the loss of that hour of sleep.  Take a look at some of the things they have found: Read the rest of this entry »

Pothole Season: In MA, Who Pays for Damage to Your Car?



It’s here again: pothole season.  And given the severity of this past winter, it seems like there are more really huge potholes than ever!  Auto repair shops have been fixing blown tires, bent rims, and broken or bent suspension components at record levels.


Of course, if you’re a driver who’s hit one of those monster holes on the road, and then had to pay the repair bill, you want to know “who pays!”  Here are the basics: Read the rest of this entry »

Small Companies Need Cyber Liability Insurance, Too.

Cyber Liability Insurance


Many small companies think, “We’re not big enough to be the target of a cyber attack.  That just happens to huge organizations like Target or Neiman Marcus.”


Well, think again. A 2012 Data Breach Investigations Study by Verizon revealed that out of 855 data breaches, 71 percent occurred in businesses with fewer than 100 employees. The company’s 2013 Report also showed attacks on small business increasing in record numbers. Read the rest of this entry »

Sump Pump: Annual Maintenance Check!



Do you have a sump pump in your basement?


If you answered, yes…doing an annual maintenance check is important in order to avoid costly problems if it fails, which of course, always happens at precisely the worst time. 


Late winter/early spring is the best time to do that check before any snowmelt or heavy spring rains can lead to a flooded basement.  Even with a winter without a great deal of snow (so far) here in New England, you still need to check your pump! Read the rest of this entry »

Tips for Weathering Severe Cold

Panorama of freezing day.

This winter has been a fairly weird one!  Temperatures in the 50′s one day, then falling below zero with wind chill factors in the minus numbers 24 hours later!  And even though we’re all seasoned New Englanders (right?), there are a few basic Super Cold Weather/Storm tips that are worth repeating, including…

Read the rest of this entry »

Safety Tips for the Holidays


leadimage_holiday_1Our friends at Travelers Insurance recently shared some valuable tips for traveling and celebrating safely over the holidays; we thought we’d share a few:


Fire Hazards

According to the National Fire Protection Association (NFPA), home fires and associated fire deaths peak between December and February.  And cooking is the leading cause of home fires year round.  So obviously, preparing holiday meals and preparations for parties increases the use of stovetops and ovens…and that increases the risk.  Make sure you understand how to safely put out a kitchen fire (and when to get out and call 911.) Read the rest of this entry »