Disappearing Deductible???

A disappearing deductible is a relatively new concept in insurance. So what is it exactly? Glad you asked. For every year you have a clean year of driving your insurance company may add a $50 credit towards your deductible. you would need collision or limited collision to qualify for this credit.

Mapfre Insurance offers this credit up to a total of $300.  If you got into an accident and had a $500 deductible you would only have to pay $200 for your deductible. The credit then goes away until you have another incident free year of driving accumulating $50 a year.

Not all insurance companies offer this and some companies actually charge for it. With Mapfre Insurance this is a free benefit.

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages available to you. Always consult your policy for actual coverages and exclusions.

Office Closed 02/09/2016

Due to the snowstorm our offices will be closed Thursday February 9th. We will open on Friday at our regular business hours.

While we do make every effort to be here for our customer during these situations we also have to take into consideration the safety of our employees. If you happen to have an auto accident or suffer any damage from this storm you can call your insurance company directly to report the damage.

Direct Claim Numbers and Websites

Be smart, be safe and please check on your elderly neighbors to make sure they are doing ok.

Thank you,

Steve Murphy

A passion for Trees

Matt Mitko - Expert Tree Removal & PruningAfter talking with Matt Mitko for more than 5 minutes you will get a very good sense of his passion for trees. I have met hundreds of business owners over the years and none have come close to showing the passion he has for what he does.

Matt is an expert tree climber. He is the one the large tree removal companies go to for the difficult jobs. He is the person to prune your trees so they grow elegant and strong, the person to trim a dangerous limb close to your home and the person to do an assessment of your trees to see which are unhealthy and in need of removal.

So if you live on the South Shore or Cape Cod and had some trees damaged in yesterday’s storm or need to clear a sunny view to your pool for the summer give Matt Mitko a call. You’ll be glad you did and you’ll get an appreciation for someone passionate about what he does.

Thanks,

Steve

2016 Holiday Hours

Merry ChristmasSo here we are, it’s December 20th and I’m pretty well caught up on shopping. But those stocking stuffers are my nemesis. Everything I think of couldn’t come close to fitting in a stocking!

Sorry I got off track there. Here are our Holiday hours.

Dec 24th closed
Dec 25th closed
Dec 26th closed

Dec 31st closed
Jan 1 closed
Jan 2 closed

Have a safe and Merry Christmas!

And should you be so unfortunate to have a claim during the holiday while we are closed feel free to check out our company direct claim numbers.

Thanks,

Steve

Beware the Silent Killer

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We hear it on the news all the time and think that will never happen to me. But unfortunately it happens all too often, especially this time of year.

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That’s why it’s important to know how to prevent it, detect it, and protect yourself and your family from its effects.

In the home, carbon monoxide is most commonly formed by flames and heaters, as well as vehicles or generators that are running in an attached garage. As temperatures drop and more people are cranking the heat and hovering over the stove inside and warming up the car’s engine before hitting the road, it’s especially critical to ensure your family’s safety against this lethal gas.

Since carbon monoxide cannot be detected without a carbon monoxide detection device, it is essential to install and maintain one or more detectors in your home.

Detector Tips
At Hannon-Murphy Insurance, we want you and your family to stay protected, so check out the following tips from CAL FIRE San Diego County Fire Authority for safeguarding your household.

  • The International Association of Fire Chiefs recommends a carbon monoxide detector on every floor of your home, including the basement. A detector should be located within 10 feet of each bedroom door, and there should be one near or over any attached garage.
  • Each detector should be replaced every five to six years.
  • Battery-only carbon monoxide detectors tend to go through batteries more frequently than expected. Plug-in detectors with a battery backup (for use if power is interrupted) provide less battery-changing maintenance.
  • Thoroughly read the installation manual that comes with the individual detector you purchase. Manufacturers’ recommendations differ to a certain degree based on research conducted with detectors for specific brands.
  • Remember that carbon monoxide detectors do not serve as smoke detectors and vice versa. You can, however, purchase a dual smoke/carbon monoxide detector that can perform both functions.
  • Do not install carbon monoxide detectors next to fuel-burning appliances, as these appliances may emit a small amount of carbon monoxide upon startup.

In case of exposure
At Hannon-Murphy Insurance, we hope you never have to use the following tips from the Mayo Clinic, but please read on for good information that could help save a life.

If you suspect that you or someone you know has been exposed to carbon monoxide, check for the following symptoms:

  • dull headache
  • weakness
  • dizziness
  • nausea
  • vomiting
  • shortness of breath
  • confusion
  • loss of consciousness

If any of the symptoms exist, move the individual into fresh air and seek emergency medical care immediately.

Wishing everyone a safe and happy Holidays!

 

 

Insurance for Pat’s Fans!

Twitter-Patriots-3

There’s a new auto insurance program just for Patriots fans! From rare behind the scene tours of Gillette Stadium to online discounts at the Patriots ProShop, you’ll get closer to the Patriots than ever before! To learn more about this exciting new program, or to get a free quote, email contact@hannonmurphy.com  or call our agency at 781-293-5500 or 508-746-0030.

 

Office Closed 2/8/2016

Due to the snowstorm our offices will be closed Monday February 8th. We will open on Tuesday at our regular business hours.

While we do make every effort to be here for our customer during these situations we also have to take into consideration the safety of our employees. If you happen to have an auto accident or suffer any damage from this storm you can call your insurance company directly to report the damage.

Direct Claim Numbers and Websites

Be smart, be safe and please check on your elderly neighbors to make sure they are doing ok.

Thank you,

Steve Murphy

Hoverboards & Insurance fun!

I know hoverboards and insurance fun don’t go together (ok, insurance and fun probably don’t go together either), but hoverboards, fire and broken bones do. I don’t want to get too in-depth with this conversation, but have you ever wondered if hoverboards are covered by insurance?

There are several different versions of homeowner’s insurance policies and insurance companies will add endorsements and exclusions to those different versions so please understand this is broad and simplified discussion. Always consult your insurance policy for actual coverage and exclusions.

Here are some scenarios to think about…

  • Your hoverboard spontaneously caught fire and burned down your house. Will your homeowner’s insurance policy pay to rebuild your home???? The good news is yes. Your insurance company will then subrogate against the manufacturer to recover it’s damages.
  • The hoverboard itself will more than likely not be covered as personal property because it could be considered a “motor vehicle”, which is excluded on your homeowner’s insurance policy.
  • Your son crashes into an elderly woman at the mall with his hoverboard and she suffers numerous injuries. NO COVERAGE. This is a scary one because not only will the woman’s medical bills not be covered, but neither will you as the homeowner have any defense coverage when you are sued.   There is a potential to have this covered if the injury occurred at an “insured premises” (so basically at your home).

Just some food for thought as you enjoy the compilation video above of people taking spills on hoverboards.

Stay safe and have a Happy New Year. BTW we are closing at 3pm on New Year’s Eve.

Thanks,
Steve

Holiday Hours

Merry Christmas Yes I am still shopping, plenty of time left. Right? There is still more time isn’t there?

With that we will be closing early on Christmas Eve so I can finish my shopping (and to give our employees a chance to spend more time with heir families;) ).

Dec 24th 9am-12pm
Dec 25th closed
Dec 26th closed

Dec 31st 9am-3pm
Jan 1 closed

Have a safe and Merry Christmas!

And should you be so unfortunate to have a claim during the holiday while we are closed feel free to check out our company direct claim numbers.

Thanks,

Steve

IF we get winter…

Challenge AcceptedIf and when (come on, you know it’s coming!) winter does finally arrive here in New England I thought I would share some tips provided by Mapfre Insurance. In case you haven’t noticed the change, Mapfre Insurance is the former Commerce Insurance.

The website has some good information on ice dams, frozen pipes & driving tips. Although the driving tips are common sense its still good to give it some consideration. Ice dams were brutal last year and deserve all the media attention they have received.

Follow the link here to the Mapfre microsite.

Enjoy the warm weather today and stop procrastinating on your X-Mas list, you’re running out of time!

 

Thanks,
Steve