How Insurance Premiums are Calculated: Moving

Whether it’s a new place in the same city, or a new city on the other side of the country, you might be surprised how a move can affect your car insurance. It doesn’t matter if you haven’t changed cars or had any brushes with the law, the simple act of relocation can cause the premiums on your car to go up or down. But why? Calculating the price of insurance uses many factors you may not think matter, but that have statistical changes on the chance of getting into an accident.

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Renting Tips: Renters Insurance

Since renters insurance isn’t a requirement when renting an apartment or home, many people don’t bother to purchase renters insurance. However, what these people don’t know is that it is a key tool in protecting yourself, and it is a small expense that could save you in a big way. Even if the landlord has insurance on the apartment or house, you are still responsible for your own belongings in a burglary, fire, or any other occurrence that would destroy your valuables. Understanding what renters insurance protects will help you know why it’s important to have. [Read more…]

Top 5 Driving Tips for the Summertime

You may not think that it is a big deal to drive in the summer, but there are a lot of road hazards that arrive in the summertime too. While the winter is the main season that one must be extra careful on the road, but summer can be just as dangerous with different hazards. Here are a few tips to think about when driving and enjoying these warm months. [Read more…]

Perils Covered Under Homeowners Insurance

Perils Covered Under Homeowners Insurance, TJ Woods Insurance, Worcester, MAHomeowners insurance provides a financial protection in the event that your home or its contents are damaged. It even provides protection if you or a family member are held liable for injuries to others or damage to their property.  Most mortgage lenders require that you get homeowners insurance. [Read more…]

Choosing Between Replacement Cost and Actual Cash Value

There are two ways to insure your possessions: replacement cost and actual cash value cost. [Read more…]

Top Kitchen Safety Tips

It’s a common practice to baby-proof the house when there’s a new addition to the family.  [Read more…]