What You Need to Know About RV Insurance

What You Need to Know About RV Insurance

With summer in full swing and the pandemic not yet over, many people are looking for alternative ways to travel. Instead of hopping on a plane, many people are considering road trips. Traveling in a regular vehicle can get cramped and uncomfortable. People may be looking for something more comfortable, such as a recreational vehicle or RV.

RVs can make traveling much easier, but before you set off to buy one or put yours back out on the road, you need to evaluate your insurance. It is important to understand RV insurance, so you get the coverage you need and know exactly what is covered before heading out on your trip. 

What is RV Insurance?

It is different from car insurance because travel trailers, campers and motorhomes need custom coverage. You need to evaluate your specific needs and tailor the coverage. A professional can help you work through any questions you have to get the right amount of coverage. 

What does it cover? 

There are a variety of things that you can opt to include in your RV coverage:

  • Medical payments. 

If you or your passengers are injured, this type of insurance will help cover medical costs. 

  • Collision damage. 

If the RV itself gets damaged in a collision, this type helps pay for repairs. 

  • Bodily injury. 

If you get into an accident where others are hurt, this type will help pay for their injuries. 

  • Property damage. 

If your RV damages someone else’s car or home, this type will help cover repairs. 

Additional Information About RV Insurance

Here is additional information about RV insurance:

  • Cost.

You may wonder how much RV insurance is going to cost. There are a variety of factors that can go into determining this exact number. These factors are your driving record, age and policy details. 

  • Water damage.

If you are concerned about water damage, make sure to add it into your policy. It may not be automatically included. 

  • Motorhome vs. travel trailer.

Getting the right coverage for your vehicle is essential. A motorhome is a trailer with an engine. It can be driven on its own. A travel trailer needs to be pulled behind another vehicle because it has no engine of its own.

As you prepare for your upcoming trips, you want to be sure to have the right insurance coverage should something happen. Reach out to an NE insurance agent today with any questions. 

Why You Should Have Boat Insurance

Boat insurance is designed to protect you from paying a high price for accident-related issues and from other damages and injuries. Just like car insurance, is it a contract between you and the insurance company you choose, where you pay a certain amount every month for the level of coverage you want. If you have a boat, you should invest in boat insurance. It is essential that you have protection for such an expensive item.

What Does Boat Insurance Cover?
Boat insurance coverage depends on where you live, the insurance company you choose, and the kind of coverage you choose. Typically, most boat insurance includes:

  • Physical damage: Collisions with another boat or other objects in the water
  • Liability: Bodily injury or damage to the property of others
  • Personal property: Damage to items like cameras, stereos, clothing, etc.
  • Towing and assistance: If your boat is inoperable, you will be able to have it transported for repairs

Every boat insurance company is different, so you should discuss these details with your insurance representative to ensure that you purchase the right insurance for you.

Who Does Boat Insurance Cover?

Boat insurance will cover the people who are listed on your insurance policy. However, depending on your insurance company, there may be exceptions for people who operate your boat very occasionally, such as family members, significant others, and maintenance personnel. You may not need to purchase coverage specifically for these people unless they use your boat very frequently. To learn more about this, you should speak to an insurance representative.

What to Consider When Shopping for Boat Insurance

Everyone has different insurance needs. When you are shopping for your boat insurance and talking with agents, you should have an idea of the level of coverage you want to buy. Then, consider your budget, if you have special features on your boat that may need extra protection, where you store your boat when it is not in use and where you plan on using your boat. Also, consider how much money it would cost for you to replace valuables you keep on your boat. Knowing this information will help you choose the right boat insurance.

Contact NE Insurance Today!

If you are shopping for great insurance for your boat, vehicle, or home, contact NE Insurance. Our company has been in business since 1989 and represents 25 insurance carriers. You are guaranteed to find an appropriate and cost-effective plan through our carriers. Click here or give us a call at 800-443-7007.

What To Do When Someone Hits Your Parked Car

What To Do When Someone Hits Your Parked Car

Wet streets are commonplace this time of year in the northeast, and there is a significant possibility that someone may end up hitting your parked car. Should you find yourself in this unfortunate situation, there are specific steps you need to follow to ensure all parties involved are treated fairly. Here’s a rundown of what to when someone hits your parked car:

Call For a Police Officer

Regardless of circumstances, any traffic collision should be investigated by a police officer. Their report creates a binding verification of what happened at the scene, and you will need a police report to file an insurance claim regardless. Ask for a copy of the report and write down the name and badge number of the officer taking the accident report call. Copying down relevant information and getting the necessary documents makes your claims process much easier later in the process.

Document Everything

Take extensive notes about the accident and log/photograph any damage to your vehicle. You also need to write down the location, time of day, and weather conditions at the time of the accident. If you have a smartphone, take pictures of the damage and the positions of the vehicles involved as well as the street or road where the accident occurred. All this information helps the insurance company and police verify exactly what happened after the fact.

Call Your Insurance Company

As soon as you are safe and have all your documentation ready, it’s time to call your car insurance company to notify them of the accident. Give them all the relevant details you collected, and then take good notes when they explain where the claims process will go from the accident reporting phase. Additionally, if you or the other driver left a note with contact information, be sure to share that information with your insurer. If they have insurance, their company may cover some damages and your deductible, too.

A Quick Note About Hit-And-Runs For Parked Cars

Let’s say your parked car gets hit by another vehicle who leaves no contact information and flees the scene. Hit-and-run accidents can be considered a felony in some states, and they are taken seriously by both law enforcement and insurance companies. Whether or not you will still be covered for damages on your insurance policy depends on the structure of your policy.

If you have both collision coverage and uninsured motorist property damage coverage, then you should be fine. Don’t have coverage for these incidents? Consider adding both if you live in a major city and don’t have off-street parking. A little extra on your policy monthly could save you significant repair costs in the future.

Keep an eye on your parked car this year, and don’t forget to check for damage when you return to your car when you park in a public lot. The sooner you spot a collision, the sooner your insurance company can help you repair your vehicle and get back on the road. Call your Northeast Metro Insurance Agent today to review your collision and property damage coverage. For a small amount each month, you can protect yourself and your car from expensive repairs.

Wood Stove Safety

Wood Stove Safety

When it gets cold outside there is not a whole lot better than the warm toasty interior of a wood-stove heated house. Wood stoves are common alternatives to a traditional central heating system, especially here in New England. These stoves are known as alternative heating systems.

Alternative heating systems provide more than warm, cozy feelings, they provide savings on your gas bill. Heating your home with a wood stove saves you the price of using gas and electricity. In the event of a power outage, you can stay warm by popping a couple of logs in the furnace and staying warm.

Wood stoves come in all shapes and sizes. You can purchase a stove that fits snuggly in the fireplace, or a freestanding stove that sits out in the open for easy access.

Having a wood stove can give you great power over your finances, but with great power comes great responsibility. If you are wondering about the risks involved with heating your home via wood stove, look no further than your homeowner’s insurance company. Some companies have extra paperwork to fill out if you own a wood stove. Some are not interested in insuring your house if you have this form of alternate heating. However, at North East Metro West Insurance Agency we work with multiple carriers to get you the coverage you need should you decide to install a wood stove.

Insurance companies are not picky just to be irritating. They spend a lot of money researching statistics to minimize their risks.

How do you keep your wood stove safe?

-Keep all children and pets away when you have a roaring fire heating your home. The stove and pipes are all extremely hot. You must keep a debris-free zone around your stove to prevent fires.

-Do not operate a wood stove without working fire and carbon monoxide alarms. You should already have these alarms in place, but having an active fire inside of your home raises the risks associated with fire and carbon monoxide.

-Do not connect your wood stove to a chimney which is connected to another appliance. The fuels could mix with the fire from your stove and combust.

-Maintain routine maintenance on the stove once a year. Have a professional inspect your stove for decay. One crack can cause a serious threat.

-Do not put anything other than dry wood in a wood stove. If you do not adhere to this rule your stove can emit toxic fumes or even explode.

Disclose your wood-burning stove to your insurance company up front. This will ensure your house is properly insured against the risks associated with a wood-burning stove. If you are considering or have recently had a wood stove installed, reach out to your agent. Take proper care of your stove to prevent any mishaps that lead to a dangerous situation involving your stove.

If you have any questions regarding your policy and wood stoves please reach out to us!

Stay warm and stay safe,

The North East Metro-West Insurance Team

We’ve Got You Covered – Ensuring You Make The Most Out Of Your Holidays

It’s that time of year when we spread holiday cheer by giving thanks through simple acts of kindness. NE Insure has been serving the Massachusetts area and communities since 1989. For over 30 years, NE Insure has continued to redefine how insurance providers obtain, retain, and sustain a broad portfolio of transparent, simple, and straightforward approaches to business and personal security through insurance.

As a token of our appreciation, NE Insure wants to give you and your loved ones a sneak peek into some of this season’s upcoming holiday festivities as a way to say thanks for all the trust and support over the years.

Holiday Fun You Won’t Want To Miss

We at NE Insure thrive on giving you peace of mind by giving you the clarity and confidence to know that we’ve got you covered. With over 25 insurance providers, across six different locations, we’ve got something for everyone. Our list of holiday celebrations is no different. We’ve compiled a list of 7 unique events that you won’t want to miss. So, invite your family and friends and enjoy it! All ages are welcome and there is no cost to attend most events.

Hanukkah: The Festival Of Lights

On Wednesday, December 18th, 2019 at 4:30 PM EST celebrate an evening filled with art, music, and fun at the Museum of Fine Arts, Boston, located at 465 Huntington Ave., Boston, MA, 02115. Check here for more.

Annual Boston Common Menorah Lighting

Want to watch the lighting of New England’s tallest Menorah? Join us for live music, warm beverages, and Chanukah snacks on Sunday, December 22nd, 2019 at 4:00PM EST for the Grand Ceremony. This is an all-ages, free event, click here for more.

Santa’s Wonderland

Have you been naughty or nice? Bass Pro Shop in Foxborough, MA has invited Santa and his little helpers to make a few special appearances beginning Saturday, November 16th through December 24th, 2019. Enjoy games, crafts, and a free photo with Santa! Click here for details.

The Enchanted Village

Into antique collectibles? This old-fashioned, rare village includes 59 mechanical figures and 18 vignettes, the last of their kind. Santa welcomes you to come and check it out, while also enjoying ice skating and light shows. Check it out!

La Salette Shrine Lights

Since 1953, visitors from around the world have come to experience the La Salette Shrine Lights. From Angels to the Peaceable Kingdom, this display of over 300,000 lights is something you won’t want to miss.  The display begins Thursday, November 28th, 2019 and ends Sunday, January 5th, 2020. Click here for more.

Christmas At The Newport Mansions

Three of the country’s largest mansions will be on display from November 4th, 2019 through January 1st, 2020. Inspired by the colonial times, there will be over thirty decorated Christmas trees to see at The Breakers, The Elms, and The Marble Rose House homes. Get your tickets today!

Christmas At The Farm: Sleigh Ride Fun

If you’re looking to experience one of the countries finest outdoor museums, look no further. Billings Farm & Museum has a wide variety of fun and engaging activities that are sure to give you some holiday cheer. This 270-acre plot of land is home to hundreds of animals, has become an educational non-profit stomping ground for thousands. Click here to schedule a scenic sleigh ride, a moment you’ll remember.

NE Insure wishes you and your loved ones a safe and happy holiday season. We appreciate your business and look forward to serving you in the years to come. For more information about our services, check out our website at https://www.neinsure.com/about.htm.

Fall Home Maintenance Tips to Revamp Your Home

Fall Home Maintenance Tips to Revamp Your Home

With pumpkin carving, apple picking, and hot cocoa, fall is a wonderful time of year with plenty of seasonal traditions. However, one tradition is often overlooked: home maintenance. There are plenty of tasks you can do to prepare for winter

Add these tips to your yearly routine to keep your home clean, safe and ready for the changing seasons.

– Update your heating system. Replace the filter in your furnace and clean your ducts to increase efficiency, reduce household dust and lower your heating bill. Call in a trusted professional to check your heating system before minor problems turn into costly major repairs.

– Check your attic ventilation. Make sure the vents in the eaves are clear of insulation. When they are covered, you are more susceptible to ice dams on your roof. Also, inspect bird and rodent screens to prevent unwanted guests and verify all your vents are free of plants and debris.

– Revamp your landscaping. Grassroots grow deeper in the fall to prepare for winter, making it the perfect time to fertilize and reseed your lawn. Trim fragile tree branches, and inspect any branches hanging over power lines. If you suspect a branch may fall onto the powerlines, now is the time to alert the power company. Prune trees and shrubs to encourage healthy growth.

– Clean out gutters and downspouts. Neglected gutters can lead to wood rot problems, pest infestations and pooled water, which can damage foundations, driveways, and walkways. Secure any support brackets that are not keeping the water in the downspout.

– Make sure windows and doors are appropriate for the drop in temperature. Change summer screens to cool weather storm windows and doors. Repair any loose or damaged window or door frames. Consider installing weather stripping or caulking to prevent drafts and lower heating bills.

– Properly insulate piping to ensure pipes do not freeze and burst. Know how to locate and turn off the water shut-off valve in the event pipes do freeze.

Even the best preparation does not prevent all problems. Northeast Insurance home insurance is the surefire way to protect yourself from any accidents to your home this fall and winter. From damage to your dwelling and loss of use during repairs to personal property protection, our comprehensive homeowner’s insurance lets you rest in peace knowing you and your home are safe. For all the regular updates on how we can best help you, follow us on Facebook today!

Uber and Lyft: Understanding Commercial vs Personal Auto Insurance

Uber and Lyft: Understanding Commercial vs Personal Auto Insurance

In the last decade, ride-sharing services like Uber moved from novelty acts to a common form of transportation. At the same time, many people have signed up to drive for one or more of these services with the hope of making a little extra money on the side. Uber currently claims to employ a little over 3 million drivers worldwide, with other services like Lyft also boasting a large number of drivers.

With numbers like this, it’s necessary to understand how something as important and basic as car insurance works with an online ride service. Even though these services require drivers to have car insurance, depending on where the driver lives, a regular insurance policy might not be enough. This is why you need to know the difference between personal and commercial auto insurance.

Personal Auto Insurance

Personal insurance is the standard insurance that every driver is required to purchase before they are allowed to drive. Depending on the amount of coverage purchased, these policies can cover you and others in the event of an accident.

Personal insurance only covers you when you are driving your vehicle for personal reasons — and this is where the problem can occur with a service like Uber. Because driving for a ride-share company is considered work, and not personal, many insurance companies do not cover accidents in a situation like this. If you are in an accident while driving for Uber and you only have personal insurance, you could be in serious trouble. Before you start your business, always check your policy and call your insurance agent to review your coverage.

Commercial Auto Insurance

As the name implies, commercial auto insurance is designed to protect a company and its employees. A commercial policy covers driving that happens during the course of a workday, and it typically covers all employees that work for a company as well.

Commercial insurance typically costs more than personal insurance does, which can almost defeat the purpose of driving for Uber in the first place. While commercial insurance is not always required for ridesharing, local and state laws can vary, so it’s important to know the laws where you live.

Uber Insurance

Even though Uber, Lyft and the others are independent contractors, and therefore not subject to the rules of commercial insurance, they do offer a limited amount of coverage — as long as the app is on and you are currently en route to or driving a passenger. If you find yourself in an accident at those times, the ridesharing company offers liability, which can help with damages to the other vehicle and occupants. This insurance does not, however, cover your own vehicle or person.

If you would like to know more about the insurance requirements for these services and how they affect you, please don’t hesitate to contact us today at NE Insurance!

motorcycle maintenance tips

Top Tips For a Smooth Running Bike

There’s nothing better than going on a blissful motorcycle ride! The wind in your hair, the sun on your face… it’s such a thrill! So, why not make your motorcycle as smooth as ever? Here are some tips for a smooth-running motorcycle!

1. Check your battery 

Keeping your motorcycle battery in good condition will help it last as long as possible. This will also help your bike last longer. You will also be saving yourself time and money in the long run. If you don’t know how to check the battery by yourself, don’t worry! It’s really easy to learn how. 

2. Make sure your tires are properly inflated 

Riding your bike with low tire pressure is a huge risk. Having the wrong air pressure in the tires can have a negative impact on so many things. It can affect the steering, the brakes, and even the fuel mileage! You should check your tire pressure daily to ensure that everything is fine. You never know you could run over something sharp and the tire pressure could drain very quickly. It’s better to be safe than sorry.

3. Replace the brake fluid 

Over time, brake fluid becomes less effective because it absorbs moisture. Your brakes are a really important part of your bike, and they ensure your overall safety. You should replace the brake fluid every one to two years. Also, while you’re at it, check on your brake pads and make sure they don’t need to be replaced. If you notice that they’re thinning, you will need to get them replaced soon.

4. Keep your bike covered!

Bad weather conditions can totally ruin your bike. It’s definitely better to keep your motorcycle in a garage, but if you don’t have a garage, covering it is okay as well. You should invest in a good quality bike cover. Just using a tarp or a blanket isn’t good enough, because water can get through and your bike can still get damaged. Bike covers are made to protect your bike in all kinds of weather and will do the job right.

Always take care of your motorcycle!

These are just a few tips for how you can take care of your motorcycle! These bikes are very expensive, and should always be taken care of properly. If you have any questions or serious concerns about your bike, you should talk to a licensed mechanic. 

If you have any questions about your Motorcycle Insurance Coverage please reach out to Northeast – Metro West Insurance. Our team members are here to help you understand and provide you with the best coverage options that suit your needs.

summer home security tips

Summer Vacation Home Security Planning Tips

Whether it is your main home or your summer vacation house, you want nothing more than to protect them. Making sure your house and belongings are safe is one of your top priorities. You may decide that adding a home security system is the best protection. But where do you begin? With so many systems and packages available, how do you know what you really need? You should start by doing some research on wireless, monitored and internet or cable based systems.

Using What You Have
If you have a cable or internet provider, you may want to check to see if they also offer a security monitoring service. This service may only have a slight increase in the fees because they are already in your residence. The security setup may include another service call to add any additional equipment to your current system.

Monitoring Services or Automatic Notifications
There are two ways you can approach your home security monitoring; a monitoring service or automatic notifications when the alarm goes off. The monitoring service is more expensive because you have a company that is watching for alarms and then calling you to determine if police need to be sent to check out the situation. If you are looking for a more cost effective system, you can monitor it yourself by setting your system up to notify you when a sensor goes off. You can then login to your system and check out the situation. If the situation warrants additional investigation, you would need to call the police and have them dispatched.

Wireless or Not
The wireless systems today have become more reliable. The batteries last longer and there are a decrease in the number of false alarms. The wireless systems and sensors are definitely easier to setup because you do not have to run any wires throughout the house. You just peel the backs of the sensors and stick them on the windows, frames and doors. When you shut the window or door the circuit is complete and the system is available for use. One disadvantage of an older system is the amount of wires that is all over. The wires will need to connect the sensors with the brain of the system so the different pieces can communicate with each other.

For questions on home security systems and discounts on your home-owners insurance, contact NE Insure.

Spring clean up is a great time for a property assessment

Spring is in the air and for many residents, it’s moving time. Homeowners and property managers alike often take advantage of the warmer temperatures and fresh air to give their properties a thorough deep cleaning and complete all routine annual maintenance.

Spring is the time of year to budget additional funds for carpet cleaning, painting, cleaning supplies and general repairs and maintenance in your facility maintenance budget. You will also need to schedule everything with care to avoid conflicts with the new tenant interviews, background checks, and additional bank runs that are essential to moving people in and out of your property. Here are some tips for making your Spring Clean Up a quick and easy success. Continue reading Spring clean up is a great time for a property assessment