Home Insurance Quote Tips

Below you can find a few ways to lower your home insurance, provided by the website, InsureMyHouse.com. These can effectively lower your insurance premium.

Raise the deductible amount: This is the amount of money you have to pay out before your homeowners insurance kicks in. In other words, if your deductible is $500 and the damage to your house is only $400 then you essentially have to pay the $400. If the damage is $500 or more, your insurance coverage will begin paying out. The higher your deductible, the lower your insurance premium will be. Just make sure you can afford to pay the deductible amount if and when the time comes.

Install Alarm and Burglar Systems: If you have a burglar alarm installed it can help reduce your premium. Same goes for sprinkler systems.

Stay with One Insurer: In most cases if you spend time bouncing from one insurer to another, your premium will be higher. So if you can help stay with one insurer, they will, in the end, give you credit in the form of lowering your premium. If not, ask about long term customer discounts.

Obtain Your Credit Rating: Always knowing your credit score can help you with just about anything: Car loans, insurance premiums, etc. The higher your credit score the better your rate is going to be.

Combine Auto and Home Insurance: If you can ask your agent about combining your auto and homeowners insurance, you can save on your premium.

Stop Smoking: In 2006, there were over 400,000 house fires. About 5% of these fires were the result of smoking cigarettes.

Talking to an agent when obtaining homeowners insurance quotes is always suggested. We recommend a review of your coverages be handled by a home insurance professional.

McCurdy Teen Driver Program Begins in August!

The Dennis A. McCurdy Insurance Agency is implementing an exciting new program to inform new drivers about all the new responsibilities that come with a new license.

The new driver can come in to the office for an informative half hour meeting with Meghan (a licensed insurance agent) and Lisa (our safety consultant) to discuss:

• Driver Safety - discussion of distracted driving, defensive driving, texting and cell phone use, etc.
• Policy Coverages - what each portion of the policy means, recommended limits
• Premium Payments - the importance of paying their bills on time, consequences of non-payments, SDIP points
• Accident Awareness - What to do if they are involved in an accident

Parents are welcome to attend but this is not necessary. Call 508-347-9343 to book an appointment.

Keeping Your Cool...

Many businesses, including construction and landscaping, rely on the summer months for the bulk of their income. Here are a few tips to keep you and your employees cool and productive:

• Prehydrate - 16 oz of non-caffienated, non-alcoholic fluids prior to beginning work
• Continued Hydration - 8 oz every 20 minutes; flavored water is recommended because people will drink a larger volume of that compared to plain water
• Remove hats - hats trap in body heat; remove them in hot shade and wear visors in the direct sun
• Clothes - loose, thin, white synthetic t-shirts. Cotton absorbs moisture whereas synthetic materials release it from the skin where it is evaporated.