Who’s Responsible for Rental Repairs—the Landlord or Tenant?

Plumber Fixing Pipes Under SinkIf you’re renting a place to live rather than buying the home, you may be enjoying the benefit of not having to perform the maintenance and repairs since it’s not your property. Sure, if a lightbulb’s burnt out or the smoke detector needs new batteries, you can and will handle it. But when it comes to larger projects and more serious issues, who’s physically and financially responsible for the rental repairs—you or your landlord? Well, it depends on the issue and who or what caused it. Let’s take a closer look at key distinctions.

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The Pesky Problem of Dealing with Boat Pests

Boat Stationed on the RiverThe dog days of summer are behind us, and boat owners across New England are getting ready to say goodbye to their watercraft for the winter. Before you pack it up for the season and get cozy indoors where it’s nice and warm, remember that pests will be looking to do the same—and they may choose your boat as a place to make themselves comfortable. From prevention to resolution, here’s how you should be dealing with boat pests, now and year-round. [Read more…]

Yard Sale Liabilities: Preventing Insurance Risks

Person's Hand Holding Yard Sale Sign in Front of HouseAs the crisp fall temperatures start to move in, you might be looking to move out some of your unwanted or excess household possessions. This time of year tends to be well-suited for hosting yard or garage sales. It’s easy enough to set up some tables, post handwritten cardboard signs around town, and name your price on items, but what many people don’t know is that there are potential risks involved in other parts of the yard sale process. So, before you go purging your cabinets, closets, and sheds, let’s review the yard sale liabilities you need to be aware of and how insurance can help. [Read more…]

Hurricane Season: Tips for Safe Driving in a Hurricane

SUV drives through floodwaters left from a hurricane.The 2022 Atlantic hurricane season is upon us. Each year, this six-month period officially lasts from June 1st to November 30th, with peak hurricane activity typically occurring in September. While these hurricanes and tropical storms pose the biggest threat to states along the Gulf Coast, Massachusetts is still susceptible. The Commonwealth oftentimes deals with the residual effects of these southern and coastal storms, like torrential rain, intense winds, and flooding—all of which can make a real mess of the roads. Here are some steps you can take for safe driving in a hurricane or hurricane-like conditions. [Read more…]

What Information Does an Insurance Declaration Page Provide?

A homeowners insurance agent reviewing the insurance declaration page with their client at a table.Insurance policies are comprehensive and extensively detailed, so reading and understanding them can be confusing. Yet, there’s a lot of important knowledge that can be garnered from reviewing your policy. The best and simplest way to gain a thorough understanding of your insurance coverage is to read the policy’s insurance declaration page. This vital information grants you a summary of your policy so you can get the details you need at a glance. Let’s discuss what information an insurance declaration page provides. [Read more…]

The Difference Between Being Bonded and Insured as a Business

"Surety bond" typed out on paper with a pen pointed at the words and a glasses lens encircling the words.When starting a business, the surety bond process can be quite confusing and might not even be on some business owners’ radars. Business founders are typically quick to purchase business insurance to safeguard their investment, but many aren’t immediately aware of the need for a surety bond. Furthermore, they might not even understand how it differs from insurance. Fortunately, we’re here to help explain the difference between being bonded and insured as a business and under which circumstances you require a surety bond. [Read more…]