Homeowners Insurance in Dedham, Newton, Norwood, MA

Homeowners insurance tailored to your needs

Whether you own a single family home or a town home, home insurance is an essential part of your property portfolio, financial management and risk management. Remsen can help you with best value homeowners insurance in Newton, Norfolk, Needham, Norwood, Dedhem and Wellesy MA. Home insurance will protect your financial investments and interests when misfortune knocks on your door. Lets face it, misfortune can come in many forms including floods, fire, liabilities, storms, hail, theft, accidents, earthquakes, mudslides and more.

Any of these events have the potential to ruin you financially and emotionally. You want home insurance that will cover your financial losses when disaster strikes. Home insurance should cover your real risks at an affordable cost. Home insurance should firstly cover your personal liabilities. Liability suits can involve substantial amounts of money so you want to sure you are covered in the event of injury or damage to others.

Homeowners insurance should also cover for normal risks such as fire and theft. Some real risks such as floods, earthquakes and mudslides might not be covered by a standard homeowners policy. So you need to consider the risk of these events and arrange the appropriate cover.

Apart from your physical buildings you also need to ensure the contents of your home. Other options you may need to consider could involve umbrella insurance, alternative accommodation cover as well as certain valuables such as artwork and jewelry.

You should also be aware of what is covered and what is excluded. Home insurance policies will inevitably have some exclusions and you need to be aware of these. You should also know the limits of your coverage and whether you need some form of umbrella insurance.

At the end of the day it makes sense to deal with an independent agent who understands the intricacies of homeowners insurance and who ill be able to tailor the best home insurance for your needs.

 

 

 

 

 

Dedham, Newton, Norwood, Wellesley, MA Insurance Agency

Boat insurance from a recommended insurance agency

Boat insurance is similar to auto insurance since you are insuring a vehicle or vessel against loss as a result of an accident or some other disaster. If you own a boat in Massachusetts then some form of boat insurance is advisable. It is a good idea to consult with a local insurance agency regarding the best options for your boat and auto insurance. Remsen is an insurance agency serving the communities and businesses of Newton, Norfolk, Needham, Norwood, Dedham, and Wellesley, MA. They can help you with best value boat insurance, auto insurance, home insurance, life insurance and commercial insurance.

Boating without insurance is taking a huge and unnecessary risk. Boat insurance is not expensive but the loss of your boat will be very expensive. Boat insurance not only covers your yacht or powerboat, but will also cover your liabilities in the event of an accident that results in injury or damage to others.

When you have proper boat insurance you will also have peace of mind knowing your financial interests are protected and that you won’t get that sinking feeling when things go wrong. Peace of mind means less stress and also means you can enjoy yourself fully on the water without worrying about financial losses in the event of some mishap or accident.

If you own a boat in Massachusetts it is important that you register your vessel with the appropriate authorities as this is a legal requirement. You don’t want to compromise your boat insurance by not complying with legal requirements.

Boat insurance is a specialised field and it makes sense to leave it in the hands of an experienced and recommended insurance agency. A local insurance agency not only has access to the best boat insurance plans, but also understands the local conditions, risks and other factors that could have a bearing on your boat insurance.

 

 

Home insurance policies in Dedham, Newton and Norwood, MA

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

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

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 https://www.remsenins.com/.

 

 

Affordable boat Insurance in Norwood, Newton, Dedham, MA

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 https://www.remsenins.com/boat-insurance-in-and-around-dedhem-needham-newton-norfolk-norwood-and-wellesley-ma-from-remsen-insurance-agency/

 

Home insurance in Dedham, Wellesley and Newton, MA

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

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.

 

 

Life Insurance in Dedham and Wellesley, MA

Why Do We Need Life Insurance?

 

This is a question that a lot of people raise when they hear about life insurance. Many people do not know what life insurance really is, what kind of benefits it can bring and most importantly why it is so important to have one.

What is life insurance?

Life insurance is a contract between a person and an insurance company, a contract that can bring a huge financial benefit to the insurer’s loved ones in case of their death. The insurer agrees to pay a certain amount of money to make sure that people who depend on them financially, are going to be taken care of, even when the insurer is gone.

Why do we need life insurance?

People never want bad things to happen to them and they even like thinking that unfortunate things cannot happen to them, only to others. The truth is, that an unexpected bad situation can occur anytime, because it does not always depend on us. Even if we drive safely, somebody might crash into us or even if we are good and respectable citizens, we can still be attacked by criminals. We would like to live forever, but it is not possible.

Unfortunately, bad things and tragedies happen and we cannot control them. But we can think about protecting the people we love by having a life insurance policy. As a parent you can take care of your child’s future education by buying a life insurance policy.

College education is very expensive but if you think about it, in time, an insurance policy can help a lot. Businesspeople often purchase life insurance policies to protect themselves against great service loses in case of key employees’ loss of life.  They can also purchase a life insurance for their business partner, in order to protect the company from the losses that might appear as a result of their partner’s unexpected decease.

Life insurance is a necessary thing for any responsible person, who thinks about every unexpected bad thing that might strike them. Very good, beneficial and affordable life insurance policies can be purchased in many cities all over the US: Newtown, Norfolk, Needham, Norwood or Dedhem.

Car Insurance in Dedham, Newton, and Norwood, MA

The Benefits of Having a Car Insurance

There are many people who think that possessing an auto insurance is completely unnecessary and a loss of money, as these insurances are not cheap. Nevertheless, when people are involved in an accident and a company pays for the damages caused, they realize that having a car insurance is really good. It is not only an option that can show some benefits, it is also imposed the law. Having a car insurance is required in most states and drivers who do not have such an auto insurance can be fined or they can have their licenses suspended.

When purchasing a car, owners must think about getting a car insurance policy and it is important for them to get the one that fits their needs best. There are many insurance policies, that offer more than just coverage for the vehicle, some extra benefits being added to the policy.  For example, when an accident happens, the company does not only pay for fixing the damaged car, but it also pays for the medical bills. Some companies might also cover a car rental, until your car is fixed. These are things that people can benefit from, if they choose the right policy for their needs, that is why it is suggested to check many policies before choosing an affordable and beneficial one.

Even if it is quite unpleasant to pay a car insurance monthly, the truth is that it is comforting to know that you are covered in case of an accident, which can happen anytime. This offers a great relief and you feel protected.

Car insurance policies and quotes can be found on the internet, but drivers can also get professional help and assistance in cities like, Newtown, Norfolk, Needham, Norwood, Dedhem, Wellesy, MA.