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Some people subscribe to the theory that less is more. That may not necessarily be the case when communicating with your insurance agent. Your agent can’t properly underwrite you unless they know what your needs are. At FBinsure we review our client’s exposures – things that may drive up your costs – at the time we are writing your policy, so that there are no surprises at claim time. When you work with an independent agent at FBinsure, be prepared to sit down and have a long chat with about

Insurance Team Options

There are 2 ways an individual can purchase their insurance. They can go to a direct writer or reach out to an independent insurance agent. A direct writer sells policies for only one insurance company, opposed to independent agents who work with a variety of insurance companies. Examples of direct writers include GEICO, Progressive, State Farm and All State. These carriers do a great job marketing themselves, but their DIY-model can often leave their client hanging. While their ads may be entertaining, and who doesn’t get a chuckle

Freak Happenings

It felt like 2020 threw every surprise in the book at us. For Massachusetts residents, there was even an earthquake late in the year which turned out to be the strongest ever recorded for our state.  Not many people in our region have considered the possibility of an earthquake-related loss in our area, but as last year kept showing us, NEVER say NEVER!

What may seem like a freak occurrence, however, gave many homeowners a much needed reminder to review what their insurance policy covers. Unfortunately, for Massachusetts’ residents earthquake

Dropping Temperatures

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. Though it may be tempting to simply lower the temperature on a thermostat, family members may revolt and there are several ways to lower your utility bill while staying warm and cozy. With this in mind, consider these tips to reduce your monthly utility bills in the winter

Look for and seal any areas where heat may escape from your home, especially around windows and doors.
Use

Baby its getting cold outside! Last week we discussed preparing our home for winter, and now it’s time to start considering our cars. There’s is nothing more frightening than getting stranded in the cold because your car has a issue cause by inclement weather. Below are some seasonal car maintenance tips to help you prepare to make it through this winter unscathed.

Check the tread on your tires. Your cars ability to stop on slippery or wet surfaces decreases when the tread reaches 4/32”. A quick trick for measurement is to

Insurance legislation varies state by state. In Massachusetts, insurance is mandatory and you cannot legally drive your car without it. Insurance premiums in Massachusetts, however, vary immensely from one insurance company to another meaning it’s important to be knowledgeable about what you are buying with this must have purchase.

An Insurance Agent Works for You

The above is one of the main reasons it is is so beneficial to work with a local agency to shop for your insurance quotes. At FBinsure, we represent over 20 different insurance companies for home and

Often times people think that the Condo association’s master policy is covering the building and they do not need to purchase any separate coverage for themselves.

In order to determine what you, as a unit owner, are responsible for in your condo you must obtain a copy of the bylaws, master deed, and trust for your condo.  These documents outline exactly who pays for what in the event of a loss.  The agent that is writing your individual unit owner’s policy needs to review this information to design your coverage to

You own a great ski house in the White Mountains of New Hampshire. Friends, family and even coworkers have asked to use it for a long weekend during ski season, leaf peeping in the fall or a week away in the summer months. For these types of scenarios you most likely will not need to change your insurance policy.

But what if you decide to take it one step further and list it on an online site such as Home Away or AirBnB? While some online vacation rental websites now offer

We live in an age where we are more “connected” than ever before.  Our phones are “smart,” are homes are “smart”and Alexa is our best friend. All of these conveniences can also make us more vulnerable to a range of new cyber risks.

What is Malware?

Malware is software that’s main function is to damage or disable a computer.  Generally, it infects our computers with a virus because we have clicked on an infected email or link.

What is Ransomware?

Ransomware is a type of malware is used by Cyber criminals to hold computer

This month’s Jeans Day advocate is Judi Kagiwada from our Personal Lines Sales Team. Judi is no stranger to the YMCA’s mission. She has served on their Board of Governors’ since 2009 which has given her the opportunity to see firsthand how the lives of so many have been enriched through various Y programs. Judi also attends many YMCA sponsored events. Her favorite memory is hearing a young mom speak of how her special needs daughter has flourished in the Y Ability program. This is a program for children with