We take pride in promising comprehensive insurance products to cover all of your personal insurance needs. Our knowledgeable staff strives to communicate the complexity of insurance coverages in a straight forward, concise manner to give you the piece of mind you deserve.

Our agency offers one of the more competitive personal auto products. And, when written in conjunction with your homeowners policy, enables you to maximize savings. When an auto and home are written with the same company (ex: The Premier), we can save you 12% off the homeowners premium. We can also save you 10% off any new home purchase. As another alternative, we offer EFT withdrawal for auto and home payments, this enables the insured to have 10 equal installments with no finance or service fees.

Flood insurance is a separate policy from Homeowners. Earthquake coverage however, is added on by endorsement and the premium basis is territory and % of dwelling coverage.

Our aim is to reduce our clients or prospective client’s insurance costs and provide them with the coverage’s they need. We encourage you to bring in your current policies for a full examination of coverage’s and cost comparisons. Contact one of our Personal Lines Account Staff to answer any questions or to give you a quote on:

• Home insurance • Automobile insurance • High-value items

• Recreational vehicle insurance • Umbrella insurance

In an event of a loss or catastrophe during non-business hours, please contact your provider directly:

• Travelers Insurance/PremierInsurance: (800) 442-4820
• Commerce Insurance: (800) 633-2235
• Harleysville Insurance : (800) 892-8877

 

THE CLAIMS PROCESS

File the claim: Most of our companies request direct claim reporting. This expedites the entire claim process. But for our insured’s piece of mind we also suggest they call us for guidance through the claim from start to finish.

Appraisal: A company representative appraises the damage and estimates the value of the loss. This step may be waived for smaller claims.

Compensation: A claim adjuster reviews your claim to determine how coverage applies to your loss, and the amount of payment. You will be paid directly in most circumstances unless you authorize payment to some third party.

Repairs: We can provide a list of preferred contractors and auto-body shops. In general, deciding who does the repairs is your responsibility. You are always authorized to take steps necessary to secure your property from further loss. You do not need our permission to move damaged property, make temporary repairs when necessary, or reduce dangerous conditions.

 

IMPORTANT FORMS

For your convience, we have provided:

Commonwealth of Massachusetts Motor Vehicle Crash Operator Report

The above forms are Adobe PDFs. If you do not have Adobe Reader, please visit Adobe to download a free copy.