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Posts Tagged ‘insurance’

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.

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Business Insurance: Answers To Frequently Asked Questions Many Business Owners Have

Here at HIG, we’ve been helping local businesses in Fall River, Somerset, and along the South Coast of Massachusetts and Rhode Island with their business insurance needs for more than 100 years. Over the course of that time, we’ve seen how the business world has changed, and have worked to make sure our insurance offerings evolve with it. We sat down with HIG partner Chris Hadley to go over some of the biggest risks and questions that business owners today have. Read along to learn more about what your business needs to be fully protected. Q. What are some business

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HIG’s Guide To: Changing Car Insurance Rates

You’ve probably seen it in the news, but car insurance rates are on the rise, with all signs pointing to technology as the main culprit. In today’s highly connected world, cars are becoming more advanced with new safety features and technology. While these changes were intended to make cars safer, they also make it more expensive to repair a car when it is involved in an accident. Hence, the increase in car insurance rates in Massachusetts, even for drivers who have not been involved in a recent crash. Here at HIG, we are breaking down why car insurance rates are

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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7 Types of Insurance Every Small Business Needs

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

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

5 Tips for a Safe and Happy Holiday

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