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Photo of a man using a drill gun to screw two things together while his dog watches apprehensively
August 12, 2020

Staying Safe at Home

by HIG Staff / Posted in Personal Lines, Safety Tips

Over the past few months, those of us living on the south coast of Massachusetts and Rhode Island have spent an unprecedented amount of time in our houses, condos, and apartments. Now, as restrictions related to COVID-19 are loosening up, we’re sure that you and your family are looking forward to visiting your favorite restaurants, stores, and playgrounds and may even be excited about getting back to work. However, as most stay-at-home orders are lifted, it’s likely that our homes will remain the central hub of activity for this summer and beyond. As you continue to hang around the house, it’s essential to know that it comes with its risks as well.

Photo of a storefront for a pizza place
June 22, 2020

Fall River MA: About a Building

by HIG Staff / Posted in Commercial Lines, Personal Lines

Many old buildings in Fall River, MA, have incredible stories to tell and history lessons to teach about our local area and beyond. The Fall River Historical Society on Rock Street, for example, is a treasure trove of local artifacts, including old manuscripts, drawings, paintings, photographs, furniture, and sculptures. There’s also the Lafayette-Durfee House on Cherry Street. Belonging to Colonel Joseph Durfee, who is famous for leading the Fall River militia during the War of Independence, this house contains hand-stitched clothing, civilian muskets and military weapons, medical equipment, and cooking and other household items, all from the 1700s.

Photo of a man on his laptop checking his credit score
June 15, 2020

How Credit Score Affects Homeowners Insurance Rates

by HIG Staff / Posted in Personal Lines

Whether you are a first-time homebuyer in the South Coast of Massachusetts or Rhode Island area, or you’re a longtime resident looking to make the move from your current home, the team at HIG wants to make sure you are aware of one key thing that could greatly impact your home buying process. Do you have a healthy credit history?

Photo of a couple looking at a laptop screen while doing research
April 16, 2020

Mortgage & School Loan Relief During COVID-19

by HIG Staff / Posted in Commercial Lines, Personal Lines

During this uniquely challenging and confusing time, HIG is doing our best to share as much straightforward and helpful information as we can with the people and communities we serve. Today, we would like to dive into some of the financial support for individuals and families that is included in the recently passed Coronavirus Aid, Relief, and Economic Security (CARES) Act.

Photo of a red and white circle "closed" sign
April 7, 2020

Will a Business Owners Policy Protect Against a Virus-Related Claim?

by HIG Staff / Posted in Commercial Lines

With Massachusetts Governor Baker and Rhode Island Governor Raimondo’s recent executive orders for all non-essential businesses to temporarily close their brick-and-mortar facilities, small businesses throughout the region are being financially impacted. During this uncertain and unprecedented time, many business owners are left with more questions than answers. Unfortunately, this likely won’t change anytime soon. As the COVID-19 outbreak continues to develop, our team is unable to speak directly to how business insurance policies will respond to a claim, and we would urge you to be wary of any agent who suggests otherwise. However, there are three things we can share with you at this time.

Photo of a man using the GPS on his phone while driving to the destination
February 13, 2020

New Hands-Free Law In Massachusetts

by HIG Staff / Posted in Personal Lines

According to the Insurance Information Institute, distracted driving accidents have accounted for over 3,000 fatalities every year for the past decade. This is an alarming statistic that the state of Massachusetts has decided to address with a new law, called “An Act Requiring The Hands-Free Use of Mobile Telephones While Driving, which bans the use of hand-held mobile devices while operating a motor vehicle.

Photo of a damaged window above a bookshelf in a home
October 3, 2019

An Hig Best Practices Case Study –
How Your Insurance Professional Can Be a Hero If You Ever Experience a House Fire.

by HIG Staff / Posted in Personal Lines, Safety Tips

“Not Every Hero Wears A Cape” is the theme of this year’s Fire Prevention Week, October 6-12, 2019. Sponsored annually by the National Fire Protection Association (NFPA), the event this year focuses on how each and every one of us is equipped with the “powers” to take small but important actions to keep ourselves and those around us safe in the event of a fire.

Photo of maple/oak leaves in the gutter of a roof
July 9, 2019

Is Your Home Protected from Water Damage?

by HIG Staff / Posted in Personal Lines

A very real threat to you and your bank account is lurking in your home, and there’s a good chance that you are doing nothing to combat it – water damage.

As experienced insurance agents, we know that water damage is one of the most common property damage-related claims, which was our biggest motivator behind this post. Throughout this blog, we will be exploring why water damage is a real risk that every homeowner should seriously consider and how to combat it with modern technology, deliberate preparation, and a little ingenuity.