Archive for November, 2015

Home insurance in Dedham, Wellesley and Newton, MA

Sunday, November 8th, 2015

Important home insurance considerations

Home ownership and home insurance go hand in hand. It is inconceivable to own a home without home insurance. The question then is what home insurance is right for you? If you own property or intend to buy property in Newton, Norfolk, Needham, Norwood, Dedhem or Wellesy MA then Remsen Insurance can help you with tailor made home insurance to match your risk profile and to suit your budget.

Insurance is no simple matter and homeowners insurance is no exception. There are many important things to consider when it comes to homeowners insurance. First you have to understand your coverage. What are you insured for and what is not covered? For example you would normally be insured for usual risks such as fire and theft. But what other real risks such as flooding? Some types of flood damage might be covered but it is unlikely that flood damage from natural flood disasters will be covered. You may need separate flood insurance for that.

Another important part of home insurance is liability cover. Accidents can and do happen and if someone in injured or suffers loss on your property you might face a liability suit. Homeowners insurance normally extends to cover certain furniture, fixtures and valuables. You need to know which valuables are covered and which are not. Certain valuables may have to be listed separately and won’t be covered under a standard home owner’s policy.

You also need to know how much you are covered for. Are you covered for the replacement value of your home and your possessions? Lastly you need to consider the cost of your home insurance. You don’t want to pay too much but you also don’t want to be underinsured.

It’s a good idea to consult with an experienced home insurance agent who can help you with these matters.


Car insurance in Newton, Norwood, Wellesley, MA

Sunday, November 1st, 2015

Best value auto and car insurance

When it comes to auto insurance we all want the same thing – the best coverage at the lowest possible price. In order to get this type of car insurance it is best to deal through a recommended local agent. Remsen Insurance is an accredited auto insurance agent serving the communities of Newton, Norfolk, Needham, Norwood, Dedhem and Wellesy, MA. An independent agent works for you. Your agent will have access to numerous carries and will have the systems in place to compare different plans and to find the right car insurance for your requirements.

Like any other insurance policy auto insurance has two important components – coverage and price. When it comes to coverage you certainly need to be covered for things such as liabilities and collision damage. In fact it is required by law that you carry a certain amount of liability insurance to cover your public and social responsibilities. Should your negligent driving result in injury or damage to others you could find yourself on the wrong end of a lawsuit. Liability insurance is an important part of auto insurance and is designed to cover you financial losses in the event of a liability claim.

Your car insurance coverage should also extend to include damage as result of a road accident. This is particularly important if the other party does not have auto insurance or is not covered for collision damage. Depending on your risk profile it may be beneficial to have comprehensive car insurance that will cover you for other possible events such as auto theft, storm damage and vandalism.

Cost is another important aspect of auto insurance. The cost of your car insurance will be influenced by many factors such as your driving record, DUI record, type of car, where you live and so on. An independent agent such as Remsen is in the best position to find best value auto insurance for you.