Category Archive for : ‘Discounts’

Increasing your deductible is an area where you can save significant amounts of money on your home insurance. The Typical home deductible is $1,000.  Increasing your deductible to $2,500 can save you up to 12%.  $5,000 can save you up to 26%.  It is important to have that money as disposable income if you choose to go with the higher deductible because, of course, you will be responsible for the first $2,500 or $5,000.

Do not put in small claims that could be paid out of pocket. I see this all

When it comes to auto insurance many people rely on myths about what factors into their insurance rates and how they can help minimize their insurance cost. Throughout the years I have heard a lot of reasons why someone’s insurance should be higher or lower, and many of them are untrue. I have no idea how these misconceptions started, but many of them are deeply ingrained into insurance lore. Below I bust 4 of the most common myths of car insurance that I come across on a daily basis.

“I have

It happens all the time.  People shop for insurance based on price alone, yet they research the best value before they buy many other commodities throughout the year.   As consumers people are always looking for the best deal. People don’t buy the junkiest car, shop at the worst grocery store, or sign up for a  cell phone plan with the worst reception coverage just because it has the cheapest price. They research these items before purchasing to get the best car, cell phone plan, etc. for the money. Buying the

People often ask why they should insure with FBinsure. After all, direct writers are constantly assaulting the airwaves with quirky mascots screaming that they can save you money in just a few minutes. Insurance is all the same, right? To me the reason is simple: You get what you pay for. Insurance is not all the same, and more times than not if you are saving hundreds of dollars then you are losing something along the way.

Anyone who tells you they can save you money in mere minutes is looking

As spring slowly approaches here in New England, the cost of healthcare will still leave a wintry sting for many business owners. At FBinsure we have been spending the majority of our time proactively providing education to clients along with their employees about all of their healthcare benefit options and whether or not the overall changes are impacting them. So what will this spring bring for the majority of us? Well, for all of you business owners out there, make it a priority to have the proper communication strategies in place

There are many types of coverage offered on a typical homeowner’s policy, but when is it a good idea to file a claim vs. footing the bill yourself for any damage?  Many carriers offer loss free credits, or provide a better pricing tier for those with no claims history.  Most importantly, claim frequency and claim payout amounts are often used to help determine whether or not an insurance carrier will renew the policy in the coming year. A homeowner who is constantly filing claims is more likely to be nonrenewed

Insurance premiums in Massachusetts are rising, which is causing people to decrease coverages or shop for a better price. While getting a good deal is always a good thing, buyers should beware that the old adage “you get what you pay for” holds true in insurance as well. Your insurance cost not only includes your coverages, but service as well. If you have an agent who is extremely helpful but your insurance premium is a little high, is it worth moving your insurance to another agent or direct insurance writer

Don’t you just wish that insurance had coupons?  Think about it.  How awesome would it be when you were renewing your existing policy or purchasing new coverage if you could hand over that little slip of paper with the dashed border and receive 10% off your insurance!    That might just change the insurance landscape quite a bit.  Let’s look at what some discounts might possibly look like just for fun.

Buy One Get One free-  if you buy a homeowners policy, you get the first auto insurance policy free
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