5 Tips on Avoiding Wind-Related Losses to Your Home or Car

June 9, 2011

Best-Preventative Measures in Avoiding Wind-Related Losses:

  • Collect the necessities before the storm hits: water, food, flashlights, batteries, radio in case of power loss. Stay away from windows. You know the basics.
  • Bring outdoor objects inside so they don’t fly away. Close the patio umbrella so it is less likely to get damaged, and then, damage other things on your property.
  • Stay inside; it’s not a good time to be sunning yourself or having a BBQ.
  • Make sure any trees or tree branches in the proximity to your car or home are secured or removed all together. (Don’t do this during the storm!)
  • Garage your vehicles if you have a garage. And secure or reinforce the door shut. (Some people fill their garage with too much junk so you can’t even fit a car in it. Don’t be one of them!)

Think You’re Cutting Cost? Think Again.

February 25, 2011
"The Sad Car in Sad Colors" by Katoma, Borrowed from http://www.visualspice.net/. NBA Insurance: Auto, Home, Life, Boat, Massachusetts, Hingham, Boston, Walpole, Norwell, South Shore, All of MA, RI, Rhode Island, Insurance, Commercial Business, Since 1980.

Don't let your car look like the one above. Cute? Yes. But terribly sad.

In light of this economic downturn, morning shows like The Today Show and Good Morning America (among others) have been giving tips to consumers on best-spending-practices.

Quite honestly, most of their tips are pretty good… but not all.

Although I’m not an avid fan of these types of shows, I watch them every so often. Notably, in the past year, out of the dozen or less editions I’ve caught on TV, there were two or three that aimed to teach consumers how to cut cost on their insurance policies.

This needs to be addressed, alas- this blog post.

A young woman, whose name evades me, shared that to save money on car insurance, you should cut out collision and comprehensive coverages.

Of course, at the ungodly hour of 8am, or whenever this was disclosed on national television, I had an urge to throw my coffee mug at the TV. But I didn’t. I love my TV.

But seriously? Collision and comprehensive? Do you even care about your car? This would be like letting your child ride a bike without a helmet. Or driving without a seatbelt. Or tangoing on a dangerously high cliff. Your risking the physical security of your car.

Think of how much you drive. I, personally, drive -on average- about an hour and a half every day. Even if you drive a car that’s over 10 years old, they can retain their value quite well– some easily being worth a few thousand dollars despite having over 100,000 miles on them.

So if you cut the few hundred you might spend every year in physical damage coverage, you are risking the few thousand worth in your car. You might as well wave a wad of cash around in a dark alleyway.

Picture it – an insured’s nightmare – a tree limb falls and crushes your windshield. A drunk driver rear-ends you. You have just cut your comprehensive & collision coverages. Your car gets totalled – at fault or totally innocent, you must pay out-of-pocket for its repair or replacement.

If you don’t have physical damage coverage on your car now, feel free to give our office a call and we’ll give you a free quote adding coverage back on your policy– 781.871.5414 or 877.NBA.1980.

Take Insurance 101 with Commerce Insurance (And no, this does not involve going back to school).

November 11, 2010

If you have ever explored the Commerce Insurance website, (and I’m willing to bet you haven’t) you might have noticed a link called “Insurance 101.”

One of my primary responsibilities as “insurance-agent” is to answer customer questions like “What does Bodily Injury Coverage really cover?” And “Why would anyone need such high limits?” Etc etc. Of course I don’t mind answering the questions — it makes me feel smarter actually, but I thought I’d share this resource with you. Especially since some of you may feel shy about asking.

Insurance 101 provides answers to these common questions in everyday terms for both auto and home insurance policies. It makes insurance way more user-friendly and gives consumers a better idea of what they’re getting in terms of coverage.

But of course- if you do have any questions, you can always ask us too! If you can’t tell, I love to talk.

Call us (1-781-871-5414) or email for a free quote: Liz@NBAInsurance.com! And don’t forget to tell your friends, Like Us on Facebook and Follow us on Twitter. ūüėČ

[Source: CommerceInsurance.com]

Why You Should Break the Compulsory Limit #insurance #ma

September 27, 2010

And you thought I meant Speed Limit. You wish!

No, what I am really talking about is your insurance. The state of Massachusetts requires you to have liability limits on your policy covering you for bodily injury to others in case of a car accident.  On your auto policy, you must have a minimum of $20,000 per person and $40,000 per accident.

It may seem enticing to keep the minimum. After all, you’ve never had an accident, right? You may be a perfect driver now, but that could change any time you take the car out for a spin. And what if you do get into an accident? That $20,000 per person, $40,000 per accident sucks up really quick when the other driver is rushed to the hospital.

Then where is the money going to come from?

That’s really the kicker.


Yes, that’s right. The injured party can now come after you for any money that exceeds the limits on your policy. This puts you and your personal property at serious financial risk.

Of course, that’s why insurance companies offer higher limits than $20,000/$40,000. And it’s really inexpensive to raise your limits. If you look at your policy and want to save money, that’s really not a place to cut corners. (Which is why Commerce offers discounts!)

For the same reason, homeowner’s insurance policies can come with Umbrella policies. They extend your liability limits on home and auto up to 5 million dollars! And those are also pretty cheap.

Contact us if your are interested in getting a quote on higher limits. Bad things happen. Isn’t it better to spend a little and save a lot?

Sept 30th is D-Day for Textaholics: NBA Insurance Reports

August 4, 2010

On Monday, July 12, NBA reported that Governor Patrick signed the No Texting While Driving Bill. I’ll paste the most important section from our article:

Drivers who disobey the new law face fines ranging from $100 to $500. However, these drivers¬†will not be surcharged. In other words, they will not have any ‚Äúpoints‚ÄĚ added to their MA auto insurance policy.

Drivers under the age of 18 are not only banned from texting, but also from talking on the phone. Teen drivers who are apprehended for texting while driving will not only have to pay the $100 fine, but will also have their license revoked for 60 days. Furthermore, these drivers must take an ‚ÄúAttitude‚ÄĚ course in order to get their license reinstated.¬† Second offenses call for a $250 fine and a 180-day license suspension. The third offense is a bit more severe; these drivers will have to pay a $500 fine and have their license revoked for a year. They will also have to take a driver-retraining course. (Source:¬†Mass.gov)

For a complete rundown on what it entails, click here to see the full article.

This new law will take effect on September 30, 2010.

Law Enforcement has the right to pull you over even if they suspect you of texting. This includes texting in stop-and-go traffic or at a red light. Just don’t do it.

Aside from the danger it poses, texting while driving fees and penalties can extremely weighty, even if it does not impact your insurance policy.

#FlashFlood Alert for Eastern #MA, CT, RI: NBA #Insurance Tells You What to Do

July 13, 2010

A Flash Flood Alert is in effect now through tomorrow (Wednesday) afternoon (7/13 & 7/14) for Eastern Massachusetts, Rhode Island, and Connecticut. In Massachusetts, the alert applies to the following counties: Central Middlesex, Western Essex, Eastern Essex, Southern Worcester, Western Norfolk, Southeast Middlesex, Suffolk, Eastern Norfolk, Northern Bristol, Western Plymouth, Eastern Plymouth, Southern Bristol and Southern Plymouth. (Source: WHDH)
Tonight, we can expect strong rain showers and thunderstorms that will last into Wednesday. Forecasters predict rain to accumulate at a rate of 2 to 3 inches per hour. Heavy downpours are expected. Urban areas are reportedly the most at risk to have a flash flood. (Source: WHDH)

The difference between a flash flood and a regular flood is that the former can develop rather quickly, in minutes. Flash floods also have a tide which is much stronger than that of a regular flood. This current can carry away mud, rocks, and other debris. (Source: FEMA)

BE PREPARED: (Source of these tips: FEMA)

1. Unplug and move any electrical items in low-lying areas (ie. your basement) to higher ground to protect them from water damage and you from any electric current in flood waters. Never touch electrical equipment if you are wet or standing in water.

2. Construct a floodwall at the base of your door to hinder water from entering the building.

3. If a flash flood is predicted in your area, move to higher ground or evacuate to a safer location.

4. Beware of streams or bodies of water near your home. They are more likely to flash flood than other areas.

5. If you evacuate, do not walk through moving water. Several inches of moving water can make you fall. If you have to walk, walk where the water is not moving.

6. If you have to drive, do not drive into flooded areas. If waters do rise around your car, you should leave the car and move to higher groundРif you can do so safely. In a flash flood, you and your car are at risk of being quickly swept away.

7. Watch the news or listen to your radio to stay in the know about the conditions in your area.

DRIVING TIPS: (Source: eHow)

If you cannot avoid driving through floodwaters, take the following precautions:

-Drive¬†slower due to the minimized visibility and water in the road. You are at risk of hydroplaning. Avoid puddles. Don’t take any sharp turns. Don’t slam on the brakes.

-If you do hydroplane, ease off your brakes and avoid swerving until  your car regains traction with the road.


1. Wait for news reports to tell you whether your water is still safe to drink.

2. Avoid flooded waters as they are often contaminated with chemicals and bacteria. Flooded waters may also be electrically charged.

3. Report fallen power lines to the power company.

4. Buildings and their foundations are weakened after water damage. Proceed with caution if you enter.

5. Roads are also weakened, so travel carefully.

6. Service any electronic equipment that may have been damaged. Damaged sewage systems are a serious health hazard.

7. Clean and disinfect all items that are wet.

Flood losses are not covered by a regular homeowner’s insurance policy. Don’t delay— if you or a friend is looking for a free quote to get flood insurance, contact NBA Insurance by phone¬†(781) 871-5414 or email Todd at¬†tc@nbainsurance.com.