Pet Safety Tips For The Winter

Pet Safety Tips For The Winter

At Northeast – Metro West Insurance Agency, we talk a lot about winter safety tips for your home, automobiles, and family, but how about our pets? They are family too! Worry not. Please see our tips for a pet-friendly winter season below.

Low temperatures have arrived and not only humans feel them, but also our pets, so we must be very attentive to how to detect cold in them. Although most pets are used to room temperature, if you have a dog that spends most of its time enjoying the backyard, or a kitten that sleeps on the front porch, the onset of winter can be a rude awakening for both of you.

Know Their Limits

Like people, pets’ cold tolerance can vary from pet to pet based on their coat, body fat stores, activity level, and health. You must be aware of your pet’s tolerance for cold weather.

For example, you may have to shorten your dog’s walks in very cold weather. Older and arthritic pets may have a harder time walking on snow and ice.

Long-haired or thick-haired dogs tend to be more cold tolerant, but still take some risks in cold weather.

Short-legged pets can cool down faster because their bellies and bodies tend to come in contact with the frozen ground.

Pets with diabetes, heart disease, kidney disease, or hormonal imbalances may have a more challenging time regulating their body temperature, making them more susceptible to extreme temperatures.

Tips for Taking Care of Your Pets During the Winter

  • Pets enjoy comfortable places to sleep and can change their location according to their need for more or less heat. Provide some safe options that allow them to change sleeping places adapted to their needs.
  • Like people, cats and dogs are susceptible to frostbite and hypothermia and must be kept indoors. No pets should be left outside for prolonged periods in freezing weather.
  • The engine of a hot vehicle can be an attractive heat source for stray cats. That is why it is important to look under your vehicle, hit the hood, and honk the horn before starting the engine to scare away the felines that are sheltering under your car.
  • Check your dog’s paws frequently for signs of injury or damage from cold weather, such as cracked pads or bleeding. During a walk, a sudden limp may be due to injury or due to ice buildup between the claws.
  • If your dog has a short coat or seems upset from cold weather, consider a dog sweater. It’s good to have several on hand, so they can wear a dry sweater every time your dog goes outside.
  • Shovel the path to bird feeders to avoid slipping.
  • If your pet whines, trembles, seems anxious, stops moving, seems weak, or starts looking for warm places to burrow, get her indoors quickly because she is showing signs of hypothermia. If you suspect that your pet has hypothermia or frostbite, see your vet immediately.
  • Keep your pet at a healthy weight all winter long. Observe your pet’s body condition and keep it within the healthy range. Talk to your vet about your pet’s nutritional needs during these winter days.

If you enjoyed our blog post, “Like us on Facebook”. Northeast – Metro West Insurance Agency wishes your entire family a fun and safe winter season!

Holiday Home Safety Insurance Tips

Holiday Home Safety Tips

The holiday season is here and with it brings the joy of spending time with loved ones, eating delicious food and enjoying holiday decorations. Unfortunately, it can also be the season where unexpected accidents happen. No one wants to spend Christmas in the emergency room, or having to pay for fire damage. Be prepared this holiday season with these holiday home safety insurance tips.

Decorating Safely

What would Christmas be without the lights, the tree and the festive decorations placed in and outside of your home? Of course, it can be difficult to hang string lights along your porch or on the rooftop. You want to be sure that you are safe as you decorate your home, as well as being safe with the placement of your decorations, so as not to be tripped over, or falling onto something or someone or potentially causing a fire.

Fire Safety

When purchasing Christmas lights for indoor use, make sure that they have been tested by a well known laboratory. Do not use older lights as they may not meet the new safety standards. Newer lights have thicker wiring and have built in safety fuses that prevent overheating. Outdoor lights should also be tested for safety, and should be certified for outdoor use. If your family purchases a live Christmas tree, make sure that the tree is fresh. You will know that it’s fresh as the pine needles will not break off easily and there will be a sticky substance on the bottom of the tree trunk. Make sure to keep your live tree well watered as a dried out tree  is much more likely to catch fire. If you purchase an artificial tree, look for a “fire resistant” tree. This does not mean that it will never catch fire, rather that it is resistant to fires. Whatever tree you use, make sure to place it about three feet away from any heat source.

Kitchen Safety

There is always the potential for a fire to start in the kitchen. But when the holidays come around, there is much more activity going on as your family participates in Christmas cookie baking, making the Christmas turkey or ham and making all of the other side dishes. As you prepare your delectable treats and meals, make sure that you are also practicing kitchen safety. If you are wearing long sleeves, roll them up, or change into tight fit clothing. When cooking on the stove, keep oven mitts on hand to prevent getting burned. Keep any flammable items away from the stovetop. Keep a fire extinguisher in the kitchen and make sure to replace it once it expires.

Keep the holiday season merry and bright and prevent safety hazards. From everyone at Northeast-Metro West Insurance Agency Team, we wish you and your family a safe and happy holiday!

Should I Keep My Boat Insurance This Winter

Should I Keep My Boat Insurance This Winter?

If your boat is your pride and joy, then there is no doubt that you have taken every measure necessary to protect it, including having it insured. You do all that you can to take care of it so that you can enjoy it during the warmer months. In fact, you live for the warmer weather so that you can be out on your boat. But when the weather turns colder and you have to store it for the winter, you may feel as though your insurance coverage is unnecessary. Keep reading to see if you should keep your boat insurance during the winter.

Is It Necessary to Keep Boat Insurance All Year?

While you are not using your boat during the winter, you may feel that having insurance is a waste of money. However, even while your boat is being stored, you should consider keeping it insured. There is still the chance of theft, or damage due to weather or other incidents. If the boat were not insured and an accident occurs, you may be liable to pay for the damages.

Is It Required to Have Boat Insurance During Winter?

There are certain circumstances in which you may be required to have boat insurance. In many cases, if you have a boat that is being financed, then the lender may require that you have it consistently insured. If you are unsure if you need to keep your boat insured during the winter, contact your lender. You may also discuss your options with the insurance company.

Is It Possible to Cut Costs During the Winter Months?

It may be possible for you to save costs on your coverage during the winter months while you are not using your boat. For instance, you may be able to drop some of your policy’s coverage types or adjust your premiums. You will want to change your policy back to its original coverage once the spring starts, to make sure that when the time comes to use your boat again, you will be completely covered.

If you have questions regarding boat insurance, contact Northeast-Metro West Insurance.

Keep Car Running While Not Being Used

Keep Your Car Running While Not Being Used

This has been a unique year and summer. With so many events being canceled and people working from home due to Covid-19, you may not be driving much. If you have a student about to start college, this car may end up not being used every day. You may be concerned about these cars starting up once driven again. Here are some tips to keep a car running while not being used.

Typically there is no harm in letting a vehicle sit for a few weeks, but if you have mechanical issues, these problems can amplify when a vehicle is left dormant. It is a good idea if you know your car is going to be unused for a period of time to take care of any known issues before letting it sit. If you have no other issues going on, your car should start right up again. However, there are a few things that you should keep in mind if you are going to have your car sitting for extended periods of time. 

Keeping the Battery Charged

There are some things you can do to make sure your battery stays charged:

  • Unplug charging cords and devices

You should not need to start your car periodically to maintain the battery. All you should need to do is make sure you unplug your charging cords and any devices connected to your power outlets and USB ports. These things will draw from the battery even if your car is off. 

  • Use a battery charger.

If you have a premium audio system with amps and subwoofers, these items can drain a battery when the vehicle is not in use. The easiest way to combat this is with a charger. You can leave this charger plugged into an electrical outlet while connected to the battery. It will provide just enough energy to the battery to maintain it.

  • Electric cars are different.

If you have an electric car, you need to be more involved. After being parked for two weeks, an electric car battery can lose half its charge. Another two weeks and your battery may be completely drained. This type of car should be plugged in until you are ready to use it again.

Things to do When Your Car is not Being Driven

  • Keep the gas tank at least half full.

If your gas tank is under half, moisture can develop and mix in with the gas. This water can lead to damage. The tank seals could also dry out and cause fuel leakage.

  • Park carefully.

Keep your car away from grass, bushes, and trees. You do not want your car near where small animals live because they may climb into your car when you are not using it. Small animals such as mice and chipmunks will chew wiring and cushions causing grief.

  • Check tire pressure.

Before you resume driving your vehicle, make sure to check your tire pressure. It is normal for tires to lose pressure when parked for an extended period of time.

Taking the tips above to keep your car running while it is not being used into consideration will keep your vehicle in working order when you do decide to drive.

Contact us for any insurance questions during this time.

7 Home Renovations that Impact Your Homeowners Insurance

7 Home Renovations that Impact Your Homeowners Insurance

Renovating your home can be an exciting time, but there are important things to keep in mind. Before you perform any remodels, take a look at the remodeling cost versus the effect on your resale value. You want to be sure it will be a worthwhile investment. 

In the end, you want to be improving your home and be able to increase your asking price. Some additions are purely for your current comfort however knowing if your plans will help increase your selling price down the road is helpful to know before starting the project. Many times house improvements can help you now as well by decreasing your homeowner’s insurance costs.

7 Home Renovations that Impact Your Homeowners Insurance

Renovations that can affect your homeowners premiums:

  • Renovating your roof.

While adding a new roof is not one of the favorite things about being a homeowner, it can be one of the necessary ones. It can also save you a lot of money on your homeowners insurance. The newer your roof is, but the more money your insurer will spend to replace it.

  • Adding a pool.

A pool can be an exciting addition to your home, but it will also increase your homeowners insurance premiums. This increase is due to the fact that you will probably need more coverage when it comes to liability in case someone gets injured.

  • Updating your kitchen.

If you switch out countertops and appliances with higher-end models, you may need to increase your coverage. Your premium is likely to go up because your home is worth more.

  • Adding a home office.

A home office may seem like a worthwhile investment, but it can make your homeowners insurance costs increase. The majority of homeowners policies will protect the equpment for home-based businesses, but only up to about 2,500 dollars. If you need additional protection, you will need to add to your existing policy.

  • Updating your bathrooms.

Just as with updating your kitchen, the same considerations need to be taken when updating your bathrooms. If you switch out different features, you will need to update your coverage and your premium may increase with the worth of your home.

  • Adding space to your home.

You may not think of finishing your basement as adding space to your home, but you are. This adds to your livable square footage and you need to account for this in your coverage.

  • Adding a deck.

A deck should add to the value of your home without adding to your premium. Decks are considered a part of the physical strucutre of your home as long as it is attached. It should then be covered under your dwelling coverage section of your policy.

If you are considering any type of updates to your home, be sure to contact your insurance representative first. Contact us at NE Insure with any questions you may have.

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