Archive for December, 2015

Home insurance policies in Dedham, Newton and Norwood, MA

Thursday, December 31st, 2015

What are the things that you should be aware of if you want to purchase your first Home Insurance policy? A guide to the beginner’s Homeowners’ Insurance

Having homeowners insurance is not only necessary but it is also extremely beneficial. Given the fact that a lot of landlords nowadays require their tenants to have insurance, protecting your investment seems like a crucial step towards financial and social stability.

And it really is. You have to be aware of all the different details and updates regarding homeowners insurance in order to properly understand and use it. If you have never purchased this type of insurance before, you might want to take into consideration the following useful tips. Consider it as you mini guide to the beginner’s home insurance.

Getting the best deal on homeowners insurance in your area of Needham, Norwood, Newton, Norfolk, Dedham and Wellesley MA:

–         Home insurance policies cover: interior and exterior house damage, loss or damage to your personal belongings, personal liability for damage or injuries caused by you or your family and even a hotel rental for the time your house is buying repaired. All of these situations are different in their own way and have their specific terms and obligations. For example, flood damages or poor home maintenance will normally not be covered by your home insurance.

–         You have to learn all the details involving your homeowners insurance policy and understand the limits regarding all your reimbursement costs.

–         There are three levels of home insurance, depending on the amount of money that you are willing to invest on: actual cash value, replacement cost and also extended replacement cost.


Which brings us to the next subject – How much does your home insurance actually cost?


Again, homeowners insurance, especially premium insurance depends on a number of different factors. For example, the number one aspect is, of course, related to how much coverage you will actually buy. Then there are additional issues to address, such as the neighborhood you live in, the size and condition of your home and sometimes even your credit score.


Insurance agency serving Dedham, Norwood, Wellesley, MA

Thursday, December 24th, 2015

Why Is Boat Insurance Necessary? Learn More About Insuring Your Boat In Newton, Norfolk, Needham, Norwood, Dedhem and Wellesy MA

Most of us have heard of insuring our home or car, but how many can say they have a boat insurance? Did you know that almost 75 million people across the U.S. take time to participate in recreational boating on a regular basis?

But many are confused when it comes to their boat insurance. In fact, there are a lot of people who believe that their homeowner’s insurance can actually cover their boat as well. Apart from that being a misguided conception, boat insurance has its own, strong and valuable policy agreements.

What should you know about boat insurance and how can you get the best quote for your deal?

Given the fact that your boat can go anywhere, just like you car, it is only fair to say that it requires its own policy and insurance terms. You can do a simple check up with your insurance agency and ask them about the technicalities involving boat insurance as well as what you can do to get the best quote for it.


Or better yet, take a look at these useful tips regarding your boat insurance and how you can get the best deals on the market:

–         Sometimes, boat insurance can be a mash-up of home and auto insurance. It can provide coverage if someone is injured on your craft, giving you the choice between replacement cost or cash value. Furthermore, a boat policy can cover bodily injury that your boat inflicts on others, damage on docks and other boats, coverage against theft, vandalism, fire and flood and even your fishing gear.

–         You can also suspend your coverage for the time you are not actually using the boat, which is a mjor difference and also advantage compared to your homeowner’s policy for example.

–        Get all the safety features for your boat, so that you can benefit from discounts and save money on your insurance claims.


Homeowners Insurance in Dedham, Wellesley and Norwood, MA

Friday, December 11th, 2015

Homeowners insurance rates: 4 major factors affecting the cost of your home insurance

Searching for a property in the surrounding areas of MA? It needs a lot more than just attending at-homes and scouring through listings. If you are planning to open a mortgage in Newton, Norfolk, Needham, Norwood, Dedham or Wellesy MA, most money lenders will generally need you to purchase home insurance policy before making the deal official. Even if you make payments for the whole home in cash and select to add an insurance policy afterwards, there could be several drawbacks– the condition of the home itself can determine your insurance rates and you may end up nothing other than hoping for considering home insurance costs much earlier. Therefore, before going out for seeking a house to buy to live your life king size, explore all of these factors that impact homeowners insurance rates. There are several factors on which an insurance company determines your home insurance rate; however, there are a few insurance companies which determine your insurance rate much more than other companies. Yes, these few companies have shown partiality towards your insurance rate, but such factors can really affect the cost of your home insurance. Is the insurer responsible for all this? For instance, if you are living in an area which is prone to burglary, they are going to take this into account for sure when working out your insurance premiums. The greater the risk of damage or loss involving your property and assets, the higher your premiums is likely to get affected. As a “multi line” insurance agency for the past 3 decades, we at Remsen Insurance representing a number of large and small insurance companies would like to dissect on the factors which you should pay most attention to if you really want to reduce your homeowner insurance premium rate as given below:

  1. Location of your home- If you live in an area that is susceptible to environmental calamities with a relatively high crime rate, you expect to pay more for your insurance policy.
  2. High credit score- The higher a homeowner’s credit score, the lower is their risk level which in turn means cheaper homeowners insurance rates.
  3. Claims history- Property owners who file frequent claims a year pay higher rates for homeowners insurance.
  4. Age of the home and type of construction- In ancient homes, chances are higher that there will be problems with like electrical wiring, fencing, HVAC systems and plumbing. New homes are less prone to such major problems.

As a home insurance broker, we are dedicated to helping customers find the right home insurance policy for them in all areas of New England, except for Connecticut. To know more, do visit our website



Affordable boat Insurance in Norwood, Newton, Dedham, MA

Friday, December 4th, 2015

Boat insurance: different coverage types and cost factors

Weekends in Newton, Norfolk, Norwood, Needham, Dedham, Wellesley and the surrounding areas of MA are the best time to take the opportunity of going out on a boat ride or fishing or simply cruise with some peace of mind. No matter whether it is a yacht or a bass boat, it is essential to go out and enjoy your time on the water with the wind in your hair and sun on your face, without having to worry about that you are not protected by a boat insurance policy. Just like auto insurance, our multi line” insurance agency, Remsen Insurance provides all the areas of New England with a wide range of different boat insurance coverage types coverage types of boat insurance for over 30 years as given below:

  1. Personal property coverage- This protects personal possessions that is lying on the boat,
  2. Medical payment coverage- There is a few policies that may cover eligible medical expenses if you or someone else gets injured while enjoying some quality time on the water.
  3. Towing coverage – Towing your boat across a body of water to safety can cost at least $400 per hour.
  4. Salvage or physical damage coverage –This coverage which is meant to take care of your boat provides protection and also pays to remove your wrecked boat caused either due to a collision with another boat or due to a submerged object.

However, there are numerous factors that are used to set the cost of a boat insurance policy and they vary among the insurers. Some of those to consider are given here below:

  • Decent driving records – It includes both driving and boating.
  • Cruising area – The area where you prefer to drive or boat.
  • Deductible is inversely proportional to premium- The higher the deductible, the lower is the premium.
  • Boating safety education – If you are formally trained or certified.
  • Liability limits – The greater the limit, the higher will be the cost.

Shop around for boat insurance

Whether you own a luxury yacht or a small bass boat, insurance coverage from Remsen Insurance Agency will keep your boat protected. Our insurance experts will work with you to search for the best insurance policy that fits your unique boating requirements at the best price. To know more about obtaining boat insurance, please call us at 781-444-4411 or click onto this link