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1. Customer Loyalty: Insurance companies reward long-term customers with lower rates. 2. Good Driver: Drivers with a clean record and no claims history save on insurance. 3. Driver Education: Older drivers who refresh their skills with an approved defensive driving course get reduced rates. 4. Continuously Insured: Drivers who have been insured for 6 months or more save on insurance. 5. Billing and Payments: If you pay for your policy in full, set up automatic payments, pay o

Covered: Your stuff: Renters policies cover your clothes, electronics, furniture and other belongings in case of disaster or theft. Additional living expenses: Hotel stays and restaurant meals may be covered if you're displaced from your home in a disaster. Liability: If you're sued for injuries in your home or harm to other people's property, renters insurance may pay for damages and legal expenses. Not covered: Flooding: Most renters policies don't include flood insurance,

1. Property Insurance: Property insurance compensates a business if the property used in the business is lost or damaged as the result of various types of common perils, such as fire or theft. Property insurance covers not just a building or structure but also what insurers refer to as personal property, meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to a business’s operations. Depending on the type of policy, property insuran

~ Independent agents can be proactive when it comes to your insurance rate. ~ They can get you quick quotes from multiple insurance carriers . ~ You can retain the same agent even if you switch carriers. ~ An independent agent will often file your claim with the parent company on your behalf. ~ The agent can give you advice before filing a claim. ~ Independent agents are knowledgeable about several different carrier products. Read more: https://buff.ly/383f7Qv Call Mark at 78

Avoid these common mistakes and you’re on your way to getting the best insurance for your needs and budget. ~ Insuring a home for its real estate value rather than for the cost of rebuilding: When real estate prices go down, some homeowners may think they can reduce the amount of insurance on their home. But insurance is designed to cover the cost of rebuilding, not the sales price of the home. You should make sure that you have enough coverage to completely rebuild your home

~ They typically sell a variety of insurance and financial products ~ They represent a number of insurance companies, or "carriers," and sell the products that most appropriately meet the needs of their clients ~ They are very well-trained and knowledgeable of the complexities of the insurance market and insurance law ~ They advise their clients about appropriate amounts of insurance and insurance coverages for their particular needs Call Mark at 781-837-1941, your LOCAL inde

Gap insurance is the way to go when you are buying a new car. Your vehicle can depreciate several thousand dollars as soon as you drive off the lot and purchasing gap insurance can be cheaper that buying it through the finance company or bank. Call Mark at 781-837-1941, your LOCAL independent insurance agent! Visit: www.abcltcinsurance.com #ABCLTCInsuranceAgency #ABCLTC #insurance #carinsurance #autoinsurance #homeinsurance #homeownersinsurance #rentersinsurance #businessinsu

Rental coverage or substitute transportation is well worth it. It allows you to rent a car usually up to 30 days, regardless of who is at fault in an accident. Sometimes parts take longer to order and there is a hold up on your car being fixed and this coverage really can help when that happens because the cost to rent a car can add up. Call Mark at 781-837-1941, your LOCAL independent insurance agent! Visit: www.abcltcinsurance.com #ABCLTCInsuranceAgency #ABCLTC #insurance #

When looking for a new homeowner's policy it is very important to look at the deductible. Some companies have other deductibles depending on the location that can detract from your claim check and you not receiving the money you anticipated when repairing your house. These deductibles are noted as wind/hail, named storm or hurricane and can add up to several thousands of dollars detracting from your claim. Call Mark at 781-837-1941, your LOCAL independent insurance agent! Vis

When shopping for auto insurance look for additional discounts. If you have a AAA membership you may get an additional discount for being a member. If you bundle your home and auto insurance with the same insurance carrier there maybe additional discounts applied to both policies. If your son or daughter is listed on the auto policy, there may be an additional discount for being a good student usually verified through a report card. Most companies will give you a discount if

When looking at an auto policy it is best to look at all the coverages and understand what could potentially be paid out in the event of a claim. Not understanding what your coverages are or how they work could cause major problems if there is a claim and you happen to be found at fault in an accident. So, it best to understand what you have. Also not understanding what your deductibles are and when they are applicable could cause some unwanted stress. Asking your agent to ex

It is important to know what you have coverage because if you make any improvements to the house, such as an putting on addition, a finished basement or a pool you should have the coverage revised. Any upgrades such as these can mean you need to increase your policy limits, otherwise you might be underinsured which could a major problem with the amount of money need to repair or replace the house. The other factors that can help reduce premium is if an alarm system is put in

It is best to find an insurance broker because they can quote you several companies for both auto and homeowners as opposed to a single carrier which can only quote one company to which the savings could be significant. An insurance broker will typically spend the time to review your coverages, ask and make recommendations on what you have and make sure you have a good understanding of what will happen if a claim should occur. Call Mark at 781-837-1941, your LOCAL independen

An independent insurance broker is going to shop around with different insurance carriers on your behalf to look to get you the best rate but will also make observations about your coverages that can be extremely helpful. Another way you can tell that have a good insurance agent, is they do things like this when there is a claim, Did they try to find out what happened? Did they go over what to expect and give you an idea of how an insurance company is going to look at it. If

This protection covers you in the event in you get into an accident and the other driver is at fault and has no insurance or if it is because of a hit run. It will cover for lost wages because you cannot work, medical care resulting from any injuries or pain and suffering. Call Mark at 781-837-1941, your LOCAL independent insurance agent! Visit: www.abcltcinsurance.com #ABCLTCInsuranceAgency #ABCLTC #insurance #carinsurance #autoinsurance #homeinsurance #homeownersinsurance #

This protection covers you in the event in you get into an accident and the other driver is at fault and has low coverage on their auto policy, your policy will cover you for the difference what their lacks depending on what coverage you have selected. It will cover for lost wages because you cannot work, medical care resulting from any injuries or pain and suffering. Call Mark at 781-837-1941, your LOCAL independent insurance agent! Visit: www.abcltcinsurance.com #ABCLTCInsu

Appraisal , the estimated value of a vehicle factored by an appraiser. Claim , the person or perhaps business filing a claim against an insurance policy. Declaration page , usually covering such things as the effectives date of the policy, the named insured, the coverages listed, policy number, premiums and deductibles. Deductible , the amount a person must pay out of pocket to pay for a claim before an insurance company will contribute. Depreciation , the amount that factore