Misc.

For posts that do not fall under any other category.

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Scooter Risks

The popularity of electric scooters has increased dramatically in the last few years. More and more people are renting or even buying scooters. Unfortunately, many people fail to understand the associated risks and don’t realize they are likely not insured against them.

If you’re riding a scooter and are involved in an accident, how will you pay for any needed medical care? Your personal health insurance may cover you, but what if someone else is harmed and it’s your fault? And what if you damage someone else’s property? Will your homeowners or auto policy offer any protection? These are all important questions you should look into before stepping on to a scooter.

If you’re thinking of buying or even renting a scooter, be sure to talk with us first to learn how you can protect yourself in the event of an accident. Call or stop by our offices today.

Smart Home Safety

It’s pretty cool that an Internet connected fridge can alert you when you’re low on milk, but what if that ability prevents your home security system from doing its job? Researchers recently uncovered widespread flaws in home technology that could allow hackers to make this happen – and that’s just the tip of the iceberg.

The Internet of Things (IoT) is relatively new and the security features of many home technology products has yet to be fully tested, let alone thought through. So, if you’re an “early adopter” of home technology, we urge you to do your homework and stay informed/updated about the products you connect to your home network. Pay particular attention to your network router, as this is the access point to everything on your network.

The Key To Car Theft

The overall number of car thefts has greatly decreased over the last 15 years, but the numbers also show a significant increase in some types of car theft – in particular, when people leave their cars running.

Letting your car warm up in the driveway on a cold day or leaving your car running to dash into the store for a quick purchase – these are the types of situations that have led to a sharp increase in car thefts. You may think, “It’s only for a minute or two”, but that’s all it takes.

Don’t take a chance. Always take your keys and key fob with you. It will keep your car safe and help keep your insurance costs from increasing.

Holiday Gathering Gotchas

Now is the time many people begin planning holiday parties. Some will even hire vendors to handle catering, bartending, parking and decorations. If you’ll be doing the same, keep these tips in mind to avoid liability claims.

The Basics
Make sure you know the vendors you hire. Check them out as much as possible and make sure they’re licensed, bonded and insured – it helps to get details such as coverages and carriers. Also, make sure to get a signed contract.

Alcohol Safety
If you hire a bartender or a caterer that serves alcohol, be sure they have liquor-related liability coverage. Let them handle things once the party begins – including pouring all drinks and checking IDs. Not doing so could impact some liability coverages. They should also know to cut off anyone who appears to be over the limit.

Parking Plans
Hiring valets/parking attendants helps minimize collisions on your property, keeps roads clear and eases arrivals and departures. Whether you hire someone to park cars or not, be sure to keep walkways clear and add additional lighting for safety.

Decoration Decisions
If you hire a decorator, be sure to tell them where people will and won’t gather. This helps them choose the right decorations for the locale. For example – candles in a high traffic area are a recipe for disaster. Be sure to point out all electrical outlets too – this helps avoid overloads.

Here For You

In addition to helping you protect the things that matter most to you, we also provide a range of services to make your life easier, including:

Free Registry service every day – Mon.-Fri.
Our staff will assist in reporting any claim and provide advice on what to expect during the claim process, and all the way through the settlement process. We even have staff available on weekends to assist with claims reporting when our office is closed.

E&C can utilize up to 7 different insurance companies to build coverage that’s specific to your needs at a price that’s most affordable.

Web site services:
We provide answers to the most common insurance questions via the FAQs section on our web site.
Our blog contains numerous useful tips and articles from our newsletters – over 8 years worth for you to peruse.
Save time and money by getting a fast auto or homeowners quote, right from our site.

Estabrook & Chamberlain – working hard for our clients everyday. Call today or visit our website for more information on all the services we offer.

Canadian Cards

We’ve written about this in the past, but as the warm weather approaches and people begin to plan their Summer vacations, a reminder doesn’t hurt.

U.S. citizens driving over the border will need to show evidence of auto insurance when they travel into Canada. For our customers planning to visit the Great White North, this Summer or anytime, we can issue a card for you. To obtain yours, call or stop by our office. Best to do it now, before vacation planning gets too hectic.

2019 Summer Read & Ride Program

Estabrook & Chamberlain is, once again, proud to sponsor the annual Read & Ride program in association with the West Bridgewater Public Library. The purpose of the program is to encourage kids to expand their horizons and have fun through reading.

To participate, kids simply have to register, in an appropriate age group, and pledge to read just one book over the program period – June 24th to August 2nd. The lucky winners* will receive a new bike! Winners will be drawn at the library on Friday, August 2nd at 11:30 a.m.

Parents are urged tell their kids about the program and get them involved. It’s fun and rewarding, so be sure to stop by the West Bridgewater Public Library and sign up today.

Registration forms may also be obtained at our office – 45 Main Street in Bridgewater.

* Previous winners are not eligible.

Once Burned …

2018 was a record year for wildfires. Some might let it go at that, but those who lived through them learned some very valuable lessons – not the least of which is why you should buy insurance with disasters in mind, not just smaller events which cause lesser damage.

Often, people shop for the cheapest price and minimal coverage. Those who look to save a few bucks are betting the “big one” won’t impact them. But that can be a “fool’s bet”, because as the fires in California showed, catastrophes (not just fires) can happen to anyone, anywhere, any time.

Given all this, it’s time to stop thinking about insurance as a way to pay for small damage caused by small events. That’s easy. What’s hard is recovering from utter devastation with anything less than full coverage. After a disaster occurs is the worst time to realize your insurance is inadequate. So opt for as much coverage as you can afford now – for greater protection and peace of mind.

To learn how to maximize your protection, give us a call today. We’ll help you review your coverage free of charge and explain how and when choices such as higher deductibles and higher coverage limits make the most sense.

Tips For Renters

Many people who rent their home or apartment choose to forego rental insurance because of the cost. This is often the case with younger people who are on their own for the first time. It’s also a perfect example of being penny wise and pound foolish. That’s because even a minor problem can end up costing you much more than the insurance.

Buying renters’ insurance is a great way to protect your property and your finances. Being proactive can also make a big difference. One good example of this is not telegraphing your vulnerability. People do this all the time by talking about vacations and posting photos on social media – while they’re still on vacation! For nefarious types, this is an obvious clue that your home is likely unattended and ripe for the picking.

Being proactive is prudent, but it won’t protect you completely. That’s where insurance can help. Give us a call today to learn more. We’ll be happy to show you how affordable rental insurance can be.

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