Archive for the ‘Uncategorized’ Category

Service Line What?

Posted on: May 15th, 2017 by Agent Mark No Comments

serviceline

Let’s take a look at a newer insurance coverage now offered on many home insurance policies!

Each insurance company has a slightly different description of this coverage so it is always best to check for the details of this coverage with your insurer.

Service Line Coverage provides payment for loss or damage resulting from a service line failure. A service line constitutes underground piping and wiring that is located at the residence and provides a service such as delivering water or power to the dwelling or other structure from a utility or a private water supply.

What is covered by service line coverage?

  • Water piping that connects from the dwelling to a public water supply or well.
  • Sewer piping that connects from the residence to the public sewer system or private septic system
  • Power lines that provide electrical service to the dwelling or other structure or piping that connects to a heat pump

Why does a homeowner need service line coverage?

Your standard home insurance policy does not include coverage for this type of failure.

The best way to explain this is really by claims examples!

Claim Scenario 1.

An underground water pipe bursts during a spring freeze. Repair of the pipe costs $1500, excavation costs $500, and landscape repair to the garden costs $250.

Standard home insurance policy would not pay for these repairs.

Home policy that has added Service Line Coverage would pay for these repairs subject to the deductible.

Claim Scenario 2

A large rock abuts an underground sewer line directly under the insured’s sidewalk prior to entering the home. Years of wear mar the pipe and cause leakage requiring excavation and replacement of the pipe.

Standard Home insurance policy would not pay to repair the damaged pipe and the sidewalk.

Home insurance policy that has added Service Line Coverage would pay for these repairs subject to the deductible.

Ask about your home insurance policy today! Does your policy include this valuable Service Line Coverage?

New Driver At Your House? Know The Facts!

Posted on: May 2nd, 2017 by Agent Mark No Comments

teendriverWe all know it costs more to have a newly licensed driver in our house and you get a lot less sleep as you are waiting for that car to come back into the driveway.

A few expenses your new driver can avoid are the Junior Operator License Violation Penalties. These can quickly add up!

Check this out…

Violation 1st Offense 2nd Offense 3rd Offense
Passenger Restriction 60 day suspension
$100 reinstatement fee
180 day suspension
Driver Attitudinal Retraining Course
$100 reinstatement fee
1 year suspension
Driver Attitudinal Retraining Course Full Exam
$100 reinstatement fee
Time Restriction Violation

12:30am-5am
60 day suspension
$100 reinstatement fee
180 day suspension
Driver Attitudinal Retraining Course
$100 reinstatement fee
1 year suspension
Driver Attitudinal Retraining Course
Full Exam
$100 reinstatement fee
Speeding 90 day suspension
Driver Attitudinal Retraining Course & SCARR*
$500 reinstatement fee
Full Exam
3 year suspension
Driver Attitudinal Retraining Course & SCARR*
Full Exam
$1000 reinstatement
3 year suspension
Driver Attitudinal Retraining Course & SCARR*
Full Exam
$1000 reinstatement
Operating to Endanger/
Recklessly or Negligent
180 day suspension
$500 reinstatement
1 year suspension
Full exam
$500 Reinstatement
1 year suspension
Full exam
$500 Reinstatement

Junior Operator Driving Restrictions

The Passenger Restriction prevents a Junior Operator from carrying passengers under the age of 18 (except for siblings) during the first six months that the driver has his/her license. This restriction was designed to reduce the number of distractions that an inexperienced driver may face while driving.

The Night Restriction prevents a Junior Operator from driving between 12:30 am and 5:00 am, unless accompanied by a parent or guardian. Accident rates for young drivers are higher late at night when they may be drowsy or tend to speed or take more risks

We hope this info helps you and your teens know more about the costs of driving. Keep them safe!

Happy Thanksgiving to All!

Posted on: November 23rd, 2016 by Herlihy Insurance Group No Comments

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We are grateful for our blessings and appreciate the efforts of our staff and the loyalty of our clients.

As Jay Herlihy always used to say to co- workers and clients alike ……….. “Thank You and Be Good”.

We at Herlihy Insurance Group wish you and yours a wonderful Thanksgiving Holiday.

Back Pack Drive Reminds me… Why I Love Small Businesses

Posted on: July 25th, 2016 by Herlihy Insurance Group No Comments

As we are all finding ways to enjoy this heat wave, I just have to take a minute to shout out a THANK YOU to our staff members, clients and donating friends.

Check out this pile of donations that we have collected as of today for the Boys and Girls Club of Worcester!

Back Pack Drive

And this is why I love small businesses. We’ve got local people giving back to our communities in a real way! Our donation drive is running until August 12, so you still have time to make your donation.

Many thanks to those of you who have contributed. We could not have done this much so far with out you!

Big Small Business Thank you!

Posted on: May 10th, 2016 by Herlihy Insurance Group No Comments

Small Business Week

Last week Fuller Automotive in Auburn brought in lunch for our very appreciative staff members. Nothing like a free lunch to remind businesses of your excellent services.

As a family owned and operated business since 1914, Fuller Automotive is dedicated to delivering the highest quality of customer service to you! With three different specialty shops conveniently located in Auburn, the Fuller Automotive staff is ready to service your auto repair, auto body repair, and tire needs. If your vehicle breaks down, was just involved in an accident, or requires a Massachusetts State Inspection Sticker, one call to Fuller’s does it all.

This week our agency returned the food favor today and dropped off cookies and brownies for the Fuller staff.

Another visit to a small business to celebrate National Small Business week!

www.fullerautomotive.com

Summer Life On The Liability Ledge

Posted on: July 16th, 2015 by Personal Insurance No Comments

As we in Massachusetts completely enjoy our summer weather, some of us in the insurance world can be restless and here is why.

Picture this – You are seated so comfortable in your beach chair, blue skies over head, cool beverages and friends by your side. You should not have a care in the world!

That is how my Saturday afternoon started. It was perfect. Enter the beach boaters, paddle boaters, kayakers, water skiers and my sunny afternoon got just a bit “cloudy”. It must be said that all of these beach people are “good people”. None of them are out to injure. Things just tend to happen!

I will not bore you with all of the exciting choices these people were making . Just know that I actually turned my chair so I was no longer facing the water. I am not sure whether it was the SPEEDING jet skis driven by the 12 year old or the parents jumping off the roof of the boats that caused me to turn my chair.

I do know that I spent quite a few minutes thinking that all of those people participating in boating and water sports that day truly needed a Personal Umbrella Policy. Summer time and all of its unique activities remind us again to make sure that Personal Umbrella Policy is active.

Next weekend I hope to be able to keep my chair facing the water and if you have not yet added a Personal Umbrella Policy to your insurance protection please do so once you get home from the beach!

Did I mention the home grown slip and slide created on the beach?

Happy Summer!