Archive for the ‘Homeowner’s Insurance’ category

An Astonish Visit to Get Things Moving

September 15, 2010

Our Ross Team had the pleasure of being a part of Astonish Result’s Changing Faces of Insurance and Agency Culture Tour. Astonish Results has paired with Ross Insurance to maximize our sales efforts and most importantly encourage us to “fish where the fish are”. A few weeks ago, Astonish team members Nick Brown and Alicia Collins traveled from their Warwick Rhode Island location to include Ross Insurance in an ongoing look as to what makes the Insurance industry today as times continue to change. Ross Insurance has been around since 1925, and as the times are changing we are finding ourselves adapting to the environment around us.  We’d like to think that we are doing a great job breaking those stereo types as we move forward with new technology while still holding true to our tradition. Located right in Holyoke, Ma we were given the chance to show a side of insurance that most people do not get a chance to see. Come and see our Agency Culture Tour which gives you a look at Ross Insurance from a more human perspective.

You’ll also have the opportunity of meeting our Ross Insurance team member Marissa Cloutier, who is one of the newest Changing Faces of the Industry. She had the chance to talk with Nick Brown about what makes her a unique addition to the Ross Insurance team.

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The Only Constant is Change

September 9, 2010

In the past few months has anything changed in your life that may affect your current auto policy? Are you using your vehicle in business? Has the garaging location changed? Is any one new using your car? These are all types of things that your insurance agent needs to be aware of. Simple mistakes like forgetting to add your young driver can lead to denied coverage. Also, if you forget to update which city or town your car is being garaged in and something were to happen to your vehicle your claim could be denied. For example, say that you currently reside in Holyoke, MA and your young driver takes the family car with them to school out in Boston. You would need to notify your insurance agent that the car will now be garaged in Boston. If something were to happen to the vehicle and it was known that your child routinely used the car while in Boston but it was listed that the car was garaged in Holyoke, they could deny a claim for false information. We are here to help our customers and notify them of the potential risks involved if their auto policy information is not accurate or up to date. The small changes that affect your auto policy are often overlooked, which is why we are here to offer help when you need it.  You can contact our office through our interactive office, or call any of our agents during our office hours and we would be glad to assist you in any changes that need to be made on your policy. In the event of an accident there are more important things to worry about than if your claim would be denied because your auto policy is not up to date, so remember to contact your agent with any changes.

The Do’s and Don’t of Insurance

September 9, 2010

When dealing with insurance, it’s important to remember a few “DOs and DONTs”. Whether you carry insurance for your homevehicle or boat it’s beneficial to know a few things when talking over insurance with your insurance agent. Explaining to your insurance agent what type of coverage you are looking for, and what you exactly need from that coverage narrows down the search of what is going to be best for you. Make sure you ask as many questions as you need to fully understand your coverage. Often times, people feel that asking too many questions is bothersome. At Ross Insurancewe couldn’t disagree more. It is our job to ensure that you understand as much as possible of your coverage so that you know what you are paying for. When seeking new coverage, make sure that you do not cancel your existing coverage before purchasing new coverage. This gap of time in between means that you will not be covered in the event of an accident, and could affect you negatively. It is also important to remember when your payments are due, and try not to fall behind on making these payments. Late fees and reinstatement costs can easily be prevented if you are aware of your payment dates. Some insurance companies are quick to send a notice of cancellation within 5 days of non-payment. A great way to remember to pay your bill is to mark it on your calendar, or you could also set up Electronic Funds Transfer. EFT will automatically deduct your payment from your account on a day that you choose is best for you and when you are certain that funds are going to be available. Keep these tips in mind and get the most out of your insurance. Contact our office today with any questions you may have and we will be ready to assist you in any way that we can.

Make Those Last Few Summer Days Fun!

August 26, 2010

A great way to beat the heat of summer is to take advantage of the thriving outdoor activities that you have in your own backyard and all around the New England area. Summer activities are all around, all you have to do is to load up the car and take a beach adventure, or gas up your ATV for a ride around some of the best beaten paths that Chicopee, Holyoke, Westfield, Southwick and West Springfield have to offer. There are so many different ways of enjoying the summer, but before the fun gets taken out of hand, considering the event of an accident before heading out is beneficial to you and your family members. Did you know that as soon as you leave your property your home insurance is no longer going to protect you if you got into an accident with your ATV? How often do you actually stay on your property, probably never. That is why it is so important to purchase an Off Road Vehicle policy. This policy gives you the option of purchasing physical damage coverage for the bike, plus liability coverage to protect you in the event someone is injured. The time to worry about insurance coverage is before the accident happens, and we are dedicated to giving you the satisfaction of covering all of the corners before you take your first trip off road. We understand that these vehicles are fun, so let us give you a free quote so that you don’t have to worry about insurance if the fun gets taken out of hand. Do you own an ATV or dirtbike but are unsure of where to travel? Check out the Berkshire Trails Council website that offers tips and locations on where you can maximize your off road experience!

Are You Prepared For A Hurricane?

August 19, 2010

With the summer season making its way out there more people are looking forward to the fall season, however one season that most do not think of is hurricane season and it is currently in its peak. Hurricane Season is a period of time where tropical cyclones are likely to form in the Atlantic Ocean and usually begins June 1st and will continue on to November 30th. These dates signify a history of when tropical cyclones, or hurricanes, were more likely to occur. With the 5th Anniversary of the Hurricane Katrina approaching it is important to prepare in the event of a hurricane before it approaches.  Hurricane Katrina which occurred August 23 of 2005, was the costliest natural disaster in the history of the United States and one of five deadliest. Forecasts are predicting that 2010 could be a big year for hurricanes and reminding everyone to keep a close watch on the weather. Hurricanes usually only affect the coasts, which is why areas such as Haiti and U.S. Coasts including New Orleans and Texas should be especially watchful of what this years hurricane season may consist of. There are however a few ways to protect yourself this year.

Get all important papers or pictures in order and secure them in water resistant bags. Identification cards and papers are hard to replace and are extremely important in a time of need so get together all diplomas, permits, social security cards, deeds, titles and any other important information.

Take pictures and videos of your property– This will help you later when dealing with your insurance and what claims for damage you may need to file.

Try and stay with an out of town relative. If you or someone you know is living in a hurricane zone, find another place to stay until the storm passes over. It’s important to consider safety at all times and if staying with a relative is not an option consider booking a room at a hotel.

Create a hurricane kit– Include extra cash, generator, flash lights, battery operated radio, bottles of water, toilet paper, non perishable foods like crackers or canned goods, candles and any over the counter medications that you need. Make sure that there are more than enough supplies when packing so that nobody in your family has to go without in this time of need.

Those who were living in New Orleans when the levee broke and did not have flood insurance, were responsible for their own replacement costs and were not insured for flood damages. This is why purchasing flood insurance can ultimately save you from having to deal with the costs of repairing your home due to flood damages. Contact our agents or visit our Virtual Insurance Office and learn more about how you can ensure that your property is prepared for a hurricane.

Come One Come All To MA Tax-Free Weekend!

August 13, 2010

This weekend happens to be one of the most anticipated holiday’s that Massachusetts has to offer, it is Tax-Free Weekend! Thanks to Governor Deval Patrick, who has signed the bill deeming this weekend, August 14th – 15th 2010 tax free! This means that when purchasing any items costing $2,500 or less, you will not have to pay the 6.25% sales tax. It’s a great time to make those bigger purchases that you may have been holding off on. Have your eye on a new 3D television? Or has your washer and dryer completely failed you and your in the market for a new one? Feel that extra push into the buying direction knowing that you will benefit from the Tax-Free weekend. Also, consider keeping your insurance agent in the know with whatever luxury purchases you will be making. In order to get the broadest coverage for your items, we suggest that you schedule them onto your homeowner policy. With original receipt or an appraisal of your items, you can schedule items onto your policy and feel confident in knowing that if you lose your items due to theft, you will be covered in full. Scheduling items will also extend your coverage beyond the basic homeowner policy for things like the stones falling out of your ring, or if you lose your jewelry. Now is the perfect opportunity to look for those items this weekend, and if nothing else feel proud that living in MA has its benefits, at least once a year!

We Care About Our Customers

July 15, 2010

When looking into insurance coverage it is important that you consider all of your options. We agree with this philosophy, but also encourage that you consider the benefits of purchasing coverage through an independent agency. We are all familiar with calling the 800 numbers just to find that we are automatically prompted to an automated voice message system. Even if you have the chance to talk to an actual sales representative, how many times is your call transferred to a different department where you have to explain your reason for calling all over again? This can be frustrating, especially when you are dealing with a problem with your coverage or filing a claim. Independent agents are local business’ that are located in your neighborhood. The same community where you live and work is where you can find affordable coverage and experienced and helpful sales help. With a quick call or visit into our office, you can walk away with your questions answered and a full range of insurance coverage, without having to deal with the hassle of long wait times. As a local independent insurance agency, we support your local community. When was the last time you saw Geico or Progressive contribute to a local fundraising event? By utilizing your local independent insurance agent, you can feel confident that you are getting the best coverage for the best price as we represent many insurance companies. Whether it is a discount offered to your homeowners policy for signing a non- smoking statement, or we help you to combine your homeowner and auto policies, we are dedicated to giving you the satisfaction that you deserve. Come and visit our office, or call and speak with any of our agents to see what deals are waiting for you and how you can save money on your insurance.