With ads from various insurance companies dominating the airwaves, each one claiming to be able to save you hundreds of dollars in 15 minutes or less, it is hard to look past the glitz and glamour and see what you are actually getting for your money. What you are getting is often times a prepackaged insurance policy that does not consider your personal situation and the coverages you need to properly protect yourself. Insurance is often seen as a necessary evil and people are trained to want to spend as little time as possible on insurance, and they want to spend even less money.

Here at Farrell Backlund, what sets us apart from the lizards, cavemen and the rest is our approach to insurance. We view ourselves as financial protectors. An insurance policy is designed to prevent you from losing your largest assets. Whether it is a fire that burns your home to the ground

With spring now upon us, many people are dusting off their summer vehicles and preparing them for summer cruising. Antique/collector cars and trucks are a popular summer vehicle for Sunday driving, but how are you insuring these automobiles? Most people just add them to their MA Auto policies like any other vehicle, but is this the best way to cover your cherished antique car?

The answer is no. MA Auto policies are not designed for the antique auto market and can often cause problems when there is an accident.

Do you find that during the spring thaw your basement takes on water? If so, below are 5 things you should know in the event you have water in your basement.

1. Water leaking into your basement is not covered under flood insurance.

If you have a leaky basement, your flood policy is not going to respond.

Some of the world’s leading insurers and reinsurers have issued initial estimates of how much the earthquake that hit Japan on March 11 will cost them and more are expected do so over the next few weeks. Risk modeling agency RMS has estimated the total insured loss at between $21 billion and $34 billion, while rivals EQECAT and AIR Worldwide are expecting losses of $12 billion-$25 billion and $20 billion-$30 billion, respectively.