Personal & Business Insurance Blog | HIG of Massachusetts

Photo of a handy man's tools on a wooden floor with a text overlay

April 11, 2016

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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March 14, 2016

7 Types of Insurance Every Small Business Needs

by HIG Staff / Posted in Commercial Lines

When you’re a small business owner, there are a million and one things you have to worry about everyday. Having the right kind of insurance can ease some of those worries while protecting you from mishaps ranging from employee injury to fire. Here are seven types of insurance that every business owner should have. General Liability Insurance Regardless of what kind of business you are, you should definitely have General Liability Insurance. It will protect you, your employees, and your business against expenses related to bodily injury or property damage and covers things like legal costs and medical bills. Worker’s

Photo of a bursted pipe with a text overlay

February 16, 2016

What To Do If A Pipe Bursts

by HIG Staff / Posted in Personal Lines

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

February 16, 2016

How to Reinforce Your Home to Resist Flood Damage

by HIG Staff / Posted in Personal Lines

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 a female driver smiling for the camera while driving her vehicle in snow

December 28, 2015

Winter Driving Safety Tips

by HIG Staff / Posted in Safety Tips

The balmy December temperatures may have given you hope, but don’t let them fool you—the snow is coming. It’s important that you brush up on the basics of winter driving now, before the snow hits. We’ve made it easy for you by compiling the five essentials of safe winter driving. Snow Tires If you live in New England, you need snow tires. All season tires are a compromise of the best assets of each type of tire—while they are better than a standard road tire, only a snow tire is designed to excel in winter conditions for more than three

Photo of a decorated Christmas tree and presents by a fireplace in a home

December 3, 2015

5 Tips for a Safe and Happy Holiday

by HIG Staff / Posted in Safety Tips

The holiday season in New England is a beautiful and festive time of year. From Christmas trees to holiday lights to family gatherings, you’ll always notice more smiles around the holidays! But there are also some safety hazards that come with food, travel, and trimmings. Decorate safely and keep your holidays merry and bright with these five holiday safety tips. Avoid The Gift of Food Poisoning Few things can mar a festive family dinner more than a bout of food poisoning! Keep your cooking top notch with these guidelines from U.S. Department of Health and Food Services: Do not wash

Photo of hail on a roof and water leaking into the gutters

August 31, 2015

How To Protect Your Car And Home From Hail

by HIG Staff / Posted in Personal Lines, Safety Tips

Severe weather can strike at any time–as we saw a few weeks ago when golf ball sized hail took Massachusetts by storm in the middle of summer. If you’ve experienced a hailstorm you know that these small balls of ice are much more dangerous than they look. The rare form of precipitation is also the most dangerous, and even small sized hail can cause substantial damage to the unprepared car or home. The average hailstorm lasts about five minutes, but according to reports by the National Weather Service, hail causes upwards of a billion dollars worth of damage every year.

Photo of women smiling while holding boxes

August 25, 2015

5 Reasons You Need Rental Insurance

by HIG Staff / Posted in Uncategorized

The adage “safety is priceless” is rarely more apt than when it’s used to describe rental insurance. A lot of times it takes a loss before you realize that while rental insurance in Fall River or the surrounding communities isn’t always mandatory, it is always necessary. Many Fall River residents learned this the hard way after a devastating winter of intense snowfall left many apartments flooded due to ice dams and their belongings damaged. If you are getting ready to move into a new apartment and don’t have rental insurance, here are five reasons getting a quote is the right

Group photo of friends taking a selfie while sitting down on a boat

July 13, 2015

5 Summer Boating Safety Tips

by HIG Staff / Posted in Uncategorized

Summertime is all about water—water to hydrate, sprinklers to cool down, beaches to listen to waves and boats for adventure. Water can be your best friend but also your most unpredictable one. Every time you go on a boat it’s a new experience. A boat can be a big investment but with the proper care and liability insurance a boat can transform your summer time activities. Stay safe with these five tips for boating safely this summer. 1. Pre-Departure Checklist If it’s a vehicle there is always a safety checklist. Just like when you check your mirrors when you get

July 6, 2015

HIG Gets Social

by HIG Staff / Posted in Uncategorized

As a local insurance agent that has been around for more than a hundred years, we’ve seen a lot here at HIG. We’ve seen the evolution of technology since the WWW first came out over 20 years ago. We’ve seen phone calls turn into Yelp reviews and #hiring turn into a hashtag on Twitter. The one thing that has not changed is our desire to be more connected with our community, and to be there for you with the latest news and tips 24/7. Which is why we’re excited to announce that you can be more connected with HIG than

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