Massachusetts Home Insurance: Burst Pipes

Massachusetts Insurance Frozen Pipes

When water freezes, it expands. That’s why home pipes can burst causing serious damage to your home, headaches top you and … higher insurance premiums.

In Massachusetts, houses are built with the water pipes located inside of the walls. This helps protect them from freezing weather. However, extremely cold weather like we’ve been experiencing, can lead to freezing and bursting.

Some Frozen Pipe Tips –

  • When should homeowners be alert to the danger of freezing pipes? That depends, but the rule of thumb is about 20°F.
  • Vulnerable pipes that are accessible can be fitted with insulation sleeves, the more insulation the better.
  • Cracks and holes in outside walls and foundations near water pipes should be sealed with caulking to keep cold wind away from the pipes.
  • Letting a faucet drip during extreme cold weather can prevent a pipe from bursting.
  • If You Suspect a Frozen Pipe –If you open a faucet and no water comes out, don’t take any chances. Call a plumber.
  • If a water pipe bursts, turn off the water at the main shut-off valve, leave the faucets open until repairs are completed.
  • Don’t try to thaw a frozen pipe with an open flame; as this will damage the pipe and may even start a building fire.
  • You might be able to thaw a pipe with a hand-held hair dryer. Slowly apply heat, starting close to the faucet end of the pipe, with the faucet open. Work toward the coldest section.
  • When away from the house for an extended period during the winter, be careful how much you lower the heat. The temperature inside the walls is colder than inside the house.
  • The best solution is to drain the water system. With no water in the pipes, there is no freezing.
  • To drain the system, shut off the main valve and turn on every water fixture (both hot and cold lines) until water stops running.

The Ice Dams Are Coming, The Ice Dams Are Coming …

MA Home Insurance Quotes The Ice Dams Are Coming ...

Here in Massachusetts, it’s inevitable. Nobody likes them and they’re not a lot of fun, but every winter they keep coming and coming.

They are Ice Dams and, fortunately, they are preventable.

Ice dams are caused by the build up of ice and snow on your roof. Melting and re-freezing contributes to more snow and ice building up.

  • Watch for ice dams near gutter downspouts.
  • Keep gutters free of leaves and debris so melting snow and ice can flow freely.
  • Ice dams can cause water to build up and seep into your house destroying walls, floors and personal property.

Ice Dam water damage is a covered peril on the standard Massachusetts homeowner insurance policy. Coverage, however, is subject to your MA home insurance policy deductible. Also, a homeowner insurance claim can negatively affect the premium and your insurability.

Mass Quotes Auto, Home & Term Life Insurance

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Massquotes.com is your Massachusetts, independent agent owned website for competitive Massachusetts auto, home & term life Insurance.

We utilize the power of numerous insurance companies to find you the best coverage and the best rates.

We will review your coverage, make coverage suggestions and give you premium options.

We will assist you with the MA Registry of Motor Vehicles.

As your MA independent insurance agent , we advocate for you at claim time or if you ever have billing questions.

To find the best Massachusetts auto, home or term life insurance rates: give us a call or click!

Massachusetts Home Insurance Coverage

Special Limit Alert!

Recently our insurance agency received an e-mail from a long time client asking if he is “all-set” as far as his personal property coverage goes. Especially, he mentions because they’ve spent quite a bit of money on jewelry and watches over the years.

That’s when my inner, insurance agent alarm started ringing:

“SPECIAL LIMITS ALERT! SPECIAL LIMITS ALERT! SPECIAL LIMITS ALERT!”

The standard, broad form, Massachusetts homeowner insurance policy has “Special Limits of Liability” for special items.

Such as: the most the insurance company will pay for loss of money, bank notes, bullion, gold, coins etc is $200; $1,000 limit for jewelry, watches, furs, precious and semi-precious stones theft loss; $1,000 limit firearms theft; $1,000 loss securities, deed, manuscripts, tickets, stamps (etc).

In order to have adequate coverage for such items (& antiques, fine art & collectibles), you can schedule onto your policy per appraisal.

MA Homeowner Insurance

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According to data provided by Mashall and Swift/Boeckh, two out of three homes are not adequately insured.

Fortunately, your Massachusetts Independent Insurance Agent will help you determine your home’s insurance coverage amounts.

As you make construction costs fluctuate and you make changes to your home, your insurance limits should keep pace.

MassQuotes recommends you have us review your Massachusetts home insurance coverage.

Call, click or fax us a copy of your Declarations Page or, if your home is a new purchase, please use us as your Massachusetts homeowner insurance resource!

 

Massachusetts Home Insurance Basics

Covered Perils – A homeowner insurance policy will provide protection from: fire or lightning, windstorm or hail, explosion, aircraft, vehicles, riot or civil commotion, smoke, theft, vandalism/malicious mischief, glass breakage, volcanic eruption, falling objects, weight of ice, snow or sleet, freezing of plumbing, accidental plumbing discharge, rupture of steam or hot water heating system, air conditioning systems, or water heaters, damage from artificially generated electricity.

Exclusions – A homeowners policy excludes coverage from: flood, or water that backs up through sewers, loss to building by earthquake, aftershocks and mud slides, loss by enforcement law or ordinance regulating construction, repair or demolition, or zoning, loss due to power interruption when the interruption takes place off the residence property, loss due to neglect of the insured to save and preserve property following a loss, war and nuclear perils, intentional loss.

Shop for MA Insurance with Massquotes

Massquotes.com is your internet insurance website for finding the most competitive Massachusetts Auto, Home & Life Insurance.

MassQuotes utilizes the power of your local, independent insurance agent to shop for the best coverage and the best rates with the best companies.

Your MA independent agent writes with numerous companies and will be able to package your policies for the best premiums.

Your insurance agent should be able to help you with the MA Registry of Motor Vehicles.

Your MA agent will advocate for you at claim or billing time.

To find the best Massachusetts auto, home or life insurance rate: call or click us today!

Your Massachusetts Independent Insurance Agent

Why a Massachusetts Independent Insurance Agent?

Some people think it doesn’t really matter where they buy their Massachusetts insurance. This misconception is most likely costing them money, service, and protection.

Buying a Massachusetts insurance policy isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car and your business.

Don’t treat your purchase lightly!

There are three sources to go to for your Massachusetts insurance protection:

  1. Captive Agents, who sell insurance for only one company.
  2. Direct writers & telephone representatives, who can offer you the insurance of one company, and only on the internet & telephone.
  3. Independent MA Insurance Agents, who represent an average of eight insurance companies, and shop to find you the best combination coverage and price.

Your Massachusetts Independent Insurance Agent:

  • Is a licensed professional with strong customer and community ties.
  • Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
  • Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
  • Assists you when you have a claim.
  • Is your consultant, working with you as you determine your needs.
  • Offers you a choice of Massachusetts insurance plans and programs.
  • Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
  • Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, lifeand health.
  • Can periodically help you review your coverage to keep up with your changing insurance needs.
  • Treats you like a person, not just another number.
  • Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

Call or click us at Massquotes to get your free MA insurance quote.

Personal Liability Umbrella Coverage

A Massachusetts Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 and provide you protection from lawsuits.

Coverage is relatively inexpensive to purchase.

$1,000,000 of coverage sitting over two autos and a home costs about $160 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/$500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

 Please call or click us if you would like to discuss Personal Liability Umbrella Coverage.

Massachusetts Home Insurance: Holiday Prevention Tips

According to the National Fire Protection Association (NFPA), traditional decorations and rituals can present some unique fire hazards in the home. The NFPA says that, when combined, the Four C’s: “Christmas trees, candles, chimneys and children” – can be a serious fire risk.

  1. Christmas Trees- are the cause of 300 home fires every year. The NFPA cites three major reasons: electric malfunctions, heat too close to the tree and children playing with matches, candles or fireplaces near the tree. We recommend using lights listed by an industrial laboratory like Underwriter Laboratory and to “avoid the octopus.” Never overload an outlet and keep the tree at least 3 feet from heat sources like fireplaces and radiators.
  2. Candles- half of home fires begin because an item is left near a lit candle (NFPA). We suggest using candle holders that will not tip over and maintaining a safe distance from combustibles.
  3. Chimneys- removing buildup from chimney walls will help to prevent a chimney fire and allow jolly old St. Nick to slide down the chimney with a bag full of gifts. Have your chimney cleaned annually by a licensed professional annually.
  4. Children- are one of the most unpredictable risks for winter fires because they’re drawn to lights and candles which get extra use during the holidays. Check your house to see what might attract a child’s attention and then discuss the risk with the child. keep light strands and power cords out of the reach of children and teach them to alert an adult if they see matches or lighters.