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Category Archive for ‘Personal Lines’

Photo of a man holding his cell phone while driving

Tips To End Distracted Driving

All it takes is four seconds to change the radio station, sip your coffee, check your makeup in the rearview mirror, read a text — or get into an accident. Did you know that taking your eyes off the road for four seconds while going 55 mph is the equivalent of driving the length of a football field blindfolded? Hard to believe, we know, but what’s even more unsettling is the number of people who drive like this everyday. According to the U.S. Department of Transportation, there are 660,000 distracted drivers on the road at any given time, which many experts

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Carbon Monoxide Safety Tips for Winter

From portable heaters to fireplaces and wood stove safety, there are a lot of things to be aware of during a New England winter. But one of the biggest winter dangers is invisible to the naked eye: carbon monoxide poisoning. According to the CDC, more than 20,000 individuals visit the emergency room for carbon monoxide poisoning every year and over 4,000 are hospitalized. The dangers are real, just like in this tragic case in Acushnet. So what can you do to prevent this silent killer from harming your family? Read on for some common sources of carbon monoxide poisoning along

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Car Insurance Renewal Checklist

Can you believe that it’s already 2017? We know you’re probably worried about your New Year’s Resolutions like being healthier or spending more time with family, but at HIG we think the New Year is also a good time to think about your car insurance. For many people, the first of the year is the time to renew your car insurance policy. If this is the case for you, make a goal to be more proactive about your insurance this year. Follow our helpful tips to make sure you have the coverage you need to stay safe on the road

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Cyberbullying & Insurance – What You Should Know

When was the last time you saw something in the news about cyberbullying? Probably not long ago. Although bullying has always existed, this new form of harassment is more difficult than ever to combat thanks to technology and social media. From Snapchat to Twitter to Instagram, there are seemingly endless mediums for teenagers to connect, most of which can be done instantly from their phones. And once they post a photo on the Internet or text it to a friend, it’s there for good, and leaves a solid footprint. As a parent, it’s up to you to make sure they

Photo of a child packing his boxes in his car while his proud parents look at him

A Quick Guide to Insuring Your College Student

Where did the summer go? Somehow it’s September again, which means you’re dealing with getting your kids back to school. If you have a child headed to college this year, there are so many things to think about. From course loads to housing to making sure they know how to do their own laundry, back to school season can be overwhelming for anyone. At HIG, our goal is to help you worry less, which is why we’ve laid out a few insurance tips specifically for your college kids. Auto Insurance Parents, did you know that your MA auto insurance policy

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What to Know Before Buying or Leasing a New Car

Somehow, summer always seems to fly by! Labor Day is right around the corner, and with it comes some of the best car sales of the year. Before you go to buy or lease a new car though, take a minute to brush up on our car buying insurance tips to make sure you’re taking full advantage of the seasonal sales. What your insurance agent needs to know when you buy a new car One of the most important steps in the car buying process is informing your insurance agent about your new purchase. In Massachusetts, approved dealerships are able

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4 Critical Tips for Any Home Renovation Project

From deciding on a scope of work to figuring out a budget, there are several issues every homeowner has to worry about when contemplating a home renovation project. In the haze of planning, it’s crucial to remember to check in with your homeowners insurance agent first! Here are a few tips to keep in mind before beginning any renovation project: 1) Contact your insurance agent first. One of the first and most important steps to take when planning a home renovation is talking to your insurance agent. They can review your homeowners policy to help you determine how much additional

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What To Do If A Pipe Bursts

You thought you took the necessary steps to protect your home from freezing temperatures, but now you’re dealing with a burst pipe. What should you do? First of all, stay calm. Then, follow these steps. Shut off your water and potentially your electricity If a pipe bursts in your home, the first thing you should do is turn off your water to minimize flooding damage. Every homeowner should know where the main water valve is. Find it and shut it off immediately! If necessary, you should also turn off electricity to the areas of your home where the flooding is

Photo of an empty couch/living room area with water flooding the floor

How to Reinforce Your Home to Resist Flood Damage

Along the South Coast of Massachusetts and Rhode Island, there is a high potential for flooding as a result of increasingly violent storms. High winds, downbursts, and fast-moving water are just a few examples of forces that increase the risk of water damage inside your home. Even with our close proximity to the water along the coast, most people don’t realize that flood insurance is not covered in your a homeowners insurance policy. Here at HIG Insurance, we’ve worked to protect homeowners from flood damage for more than 100 years. The first step to protect your coastal home is to

Photo of snow icicles underneath the gutters of a home

Everything You Need To Know About Ice Dams

Ice dams are a very real problem that you will most likely face if you own a home in Massachusetts. While ice can be lovely for skating, it can quickly ruin your home if you don’t take the proper precautions. Luckily, we know all about ice dams! Follow our suggestions and you can rest easy knowing that even if we see a repeat of last year’s winter, you won’t have to worry about ice dams ruining your home. What’s An Ice Dam? Great question! An ice dam occurs when water from melting snow runs down your roof then refreezes, causing