Posted tagged ‘springfield’

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.

Going To The Chapel, And We’re…Stopping To Buy Special Event Insurance First!

August 27, 2010

Nice weather and vacation time usually means that weddings are around the corner. Something about the season in bloom makes for a perfect opportunity to share your love with close friends and family. It’s a day to remember and a big step forward in a relationship, but also a big expense. These days, the more elaborate the wedding the more expensive. During this year, residents and visitors found that Tennessee’s flooding put the brakes on many ceremonies and celebrations. Due to extreme weather conditions, popular venues were closed because they were submerged from flooding. Just this past April in Rhode Island, we experienced that stores and businesses had to close their doors and turn away customers because their environment was consumed in water! In New England you can never plan the weather, it is constantly changing around us. One minute it could be raining and the next minute it is hot and humid. Located in Holyoke, we are familiar with the ever changing ways of the weather, which is why we also recommend coverage for “The Big Day”. Ensure your special day goes off without a hitch and look into our special event insurance for your wedding

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!

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!

Get The Lunch Boxes Ready, School Is Almost In Session!

August 11, 2010

The time has come where those three words all children dread fill up every shop window, back to school. It’s a time when children get their last summer hoorah’s in and pick out their new clothes for the beginning of yet another year of school. It’s also a time when the heat begins to die down and the crisp breeze of fall passes through where stale hot air once resided. Getting your child ready for their trip to the classroom means getting some essentials. Here are a few things that will help when switching out of your summer gears and into school mode:

  • Stationary–  Some schools offer paper and pencils, but to ensure that your child is prepared for whatever their class might need, a good old fashioned notebook with an array of writing tools will be sure to help jumpstart their learning experience. A binder to keep folders and loose leaf paper will help to keep them organized, and letting them pick out the color or design offers them the ability to create something of their own.
  • Backpacks- Book bags are a school staple and are essential in helping your child carry around their books and bagged lunches. Some newer models have wheels on the bottom so the heavy load of reading materials don’t weigh down your youngster.
  • School Clothes/School uniforms- Not all schools require that your student wears a uniform but if your child does attend a school where they need a uniform, be sure to buy these materials before school actually starts. Checking thrift stores and consignment shops may help you to find solid color polo shirts and dress pants or skirts for your child. When buying your child back to school clothes, keep your eye on the price. Most retail stores run good bargains in the summer for school clothes, and even better bargains for summer clothes. Remember that the beginning months of the school year can still be hot, so appropriate lengths and cuts are things to consider when shopping in the markdown bin for summer clothes that your child will still get wear out of.
  • Lunch boxes– Investing in a lunch box will help cut down the cost of brown bagging lunches and letting your child choose their lunch box lets them feel involved, and dare we say excited about the new school year! Using a brown bag is still not a bad option to take, and depending on the age of your child, jazzing these bags up with stickers or drawings can get the same effect.

Public and Private schools still have a few weeks left until they begin, so take these last few summer opportunities to do something with your children. Pretty soon their schedules will be filled with practices and homework, so try getting one last family fun activity in before the school year starts.