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Category Archive for ‘Personal Lines’

Photo of a roof technician working on a metal roof

5 Areas of Your Coastal Home to Hurricane Proof

It is more important than ever to take steps to try to hurricane proof your home and, if possible, to do it well before there is any imminent storm threat. By focusing on the following five at-risk areas of your home, you may be able to better fortify your coastal property against hurricanes, tropical depressions, tropical storms, and other severe weather events.

Photo of a flood by a building, used for Flood Insurance QA post

Insurance Agent Paul Burke Answers Your Flood Insurance Questions

Editor’s Note: This blog was originally published in October 2017 but has been updated to include new information about flood insurance. Before investing in flood insurance, most homeowners have many questions about this coverage, including how much coverage to buy, where to buy it, ways to save money on it, and more. In addition to these commonly asked questions, a wave of new inquiries has been coming our way from homeowners and buyers as the news has spread about a historic change in the way flood insurance rates are being determined. Effective October 1, 2021, the Federal Emergency Management Agency

How Your Insurance Professional Can Be a Hero if You Ever Experience a House Fire, Part II

If you’re starting to feel a winter chill in the air, then now is the perfect time to make sure that your home —and everything in it—is safe from the most common hazards of the season. From freezing rain and ice to heavy sleet and snow and drastically fluctuating temperatures, your house can take a serious beating during this time of year. But of all the perils of winter, perhaps the most harmful threat to your home is the infamous ice dam. Every year in New England, ice dams cost homeowners millions of dollars and cause serious property damage.

Photo of an ice dam damaging a house's gutter and roof

Everything You Need to Know About Ice Dam Prevention

If you’re starting to feel a winter chill in the air, then now is the perfect time to make sure that your home —and everything in it—is safe from the most common hazards of the season. From freezing rain and ice to heavy sleet and snow and drastically fluctuating temperatures, your house can take a serious beating during this time of year. But of all the perils of winter, perhaps the most harmful threat to your home is the infamous ice dam. Every year in New England, ice dams cost homeowners millions of dollars and cause serious property damage.

Four Popular – And Possibly Dangerous – 2020 Gift Ideas

As your local insurance professional, HIG wants to help you and your loved ones have the safest—and simplest—holiday season possible. For this reason, we did a little holiday shopping research for you and put together the following list of four trending gift ideas for 2020. We hope this helps you better understand the good, the bad, and the ugly of having these items in and around your home.

Dismayed woman opening an oven with smoke pouring out

The Basics of Fire Prevention: National Fire Prevention Week

Editor’s Note: This blog was originally published in October 2015 but has been updated to reflect the latest information on fire prevention. Every October, the National Fire Protection Association (NFPA) cooks up a theme for its annual fire prevention week. This year, the focus will be on “Serving Up Fire Safety in the Kitchen.” Raising awareness on how to stay safe in the kitchen is not only the NFPA’s priority but also the HIG team’s mission, for many reasons. The kitchen is typically the most heavily trafficked room in everyone’s home. Almost half (44%) of reported home fires started in

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

Staying Safe at Home

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

Fall River, MA: About a Building

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.