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September is National Preparedness Month, which is sponsored by the Federal Emergency Management Agency (FEMA) and the US Department of Homeland Security. The goal is to promote disaster preparedness for people, businesses, and communities. An integral part of disaster preparedness is creating a kit which will hold the basic supplies you will need in the event of a disaster.

According to www.ready.gov, a basic disaster supplies kit should contain the following:

Water
Enough non-perishable food to last for at least three days and a manual can opener
Battery powered radio
Flashlights
First aid kit
Extra batteries (enough

Do you need insurance if you serve on a nonprofit Board of Directors? From our friends at Central http://ow.ly/dFqR4

With college kids revving up for another year away at college, parents often call to remove their children from their auto policy to try to save a few dollars. While this may be possible in some states, it is not the case for all. In Massachusetts all household members or customary operators of a vehicle must be listed on the auto policy. If a person’s legal address is your home, then they are considered a household member. So what happens when your child goes away to school? If they live

With fall fast approaching, school bells will soon be heard by children and parents alike. Those who have children going to college have no doubt purchased a new laptop, bedding for those oddly shaped and oh-so-comfortable dorm beds, TVs, stereos, and countless other “necessities” to make their son or daughter’s home away from home that much more comfortable. So what happens if one or more of these items are stolen, or damaged in a fire?

If your child is moving into a dorm room, then fear not-your homeowner’s policy will cover

Car accidents are a stressful event regardless of whether or not you are at fault.  Are you hurt?  Is there damage to your car? Where is your registration?  These are just some of the many questions that instantaneously cross your mind after the initial “impact” of the crash.  Once you do a self check to make sure that all of your parts are in tact and that the other driver is relatively unscathed, the topic of who is at fault begins to surface.  According to Massachusetts Law, you are considered

We all have purchased a car at one time or another. Often times we transfer the plates from an older vehicle that we are replacing. When this happens, there is an assumption that the Registry of Motor Vehicles gives us seven days to get our registry affairs in order.  The truth is, this is not always the case. So the question that begs to be answered is “when do we have seven days to handle our registry paperwork?”

Here is the seemingly lengthy answer.  The “Seven Day Rule” is actually Massachusetts

With the warm weather now in full swing, people have begun opening their pools for the summer. While pools are a great way to escape the heat, there are things you must consider to be sure your summer oasis is safe.

Fencing is a must, and pretty much a no brainer for pool safety. If you have an in ground pool with no fence, you are asking for trouble. However, what most people do not consider is that door leading from their home to the pool area. Fences are great for

Are you hearing wedding bells? If so, you are no doubt in the midst of countless hours of preparation and paying out exorbitant amounts of money for this special day. But what happens if the wedding is postponed or cancelled, or if something happens to the wedding gifts? Lucky for you, there is an insurance policy to cover such things.

Wedding insurance is a special type of policy, often referred to as a special event liability policy. With this type of policy you can cover lost deposits, postponement or cancellation of

With home values significantly reduced for the past few years, I have grown accustomed to phone calls from customers insisting that the dwelling value listed on their insurance policy is way too high. They typically say, “I could never sell my house for that much.” With spring in full swing and home buyers out scouring real estate listings again, it might be a good time to explain what home buyers are actually insuring.

An insurance company is never going to sell your home, just rebuild it. Therefore, your insurance carrier must

When it comes time to buy a car or truck, most people struggle with an important question-do I buy new or used? There are pros and cons to both choices, and serious consideration should be taken to be sure you do what you feel is best. Below are some things to think about when deciding on which path to choose.

NEW CARS

New cars have an obvious upside. For one, since they are brand new they have almost no miles on them. Mileage is an important piece to the car buying puzzle.