Homeowners Insurance: Are Your Detached Structures Covered?

A blue shed next to a wooden fence surrounded by flowers and greenery in a backyard.Investing in a homeowners insurance policy gives you the peace of mind that your home and the belongings within are covered in the event of a disaster. However, what if a tree lands on your detached garage, strong winds knock over your fence, or a lightning strike damages your pool’s pump? Will your policy jump in to help cover the losses of the external structures? Let’s review how homeowners insurance works when it comes to keeping your detached structures covered. [Read more…]

Attractive Nuisances: How They Affect Insurance

A swing set in a back yard, used to dedicate an attractive nuisanceWe’re in the dog days of summer, and despite quarantine, children are excited about playing outdoors. Although it’s important to encourage children to stay active, you also teach them about the potential hazards in your neighborhood. These hazards can come in a variable of shapes, from playground equipment to power tools. However, it’s also important to be wary of the dangers features on your property present to others. Learn more about what insurance carriers refer to as attractive nuisances and how they affect insurance. [Read more…]

Three Insurances to Have After You’re Married

Close up of the hands of a married couple.Marriage is a big deal. Beyond the relationship, wedding, and all the well-wishes, being married also means tying yourself financially to another person, from joint accounts to moving in together into a brand-new home. It’s important to make sure all of this is protected, from the new assets and property in your life to those who might depend on your income to make ends meet. In this article, we’ll go over three types of insurance policies you and your loved one should talk about taking out. [Read more…]

Should Renters Purchase Umbrella Insurance?

In today’s world, you need insurance for just about everything, and there are numerous types that cover all different costs and situations. Even though there are specific coverages, sometimes the baseline insurance policy doesn’t cover everything. Wouldn’t it be nice to not have to worry whether something is fully covered or not? That’s exactly what umbrella insurance is for, from covering home owners, renters, auto, and much more.

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Umbrella Insurance: Why You Need Extra Coverage

Umbrella Insurance: Why You Need Extra Coverage Protecting your family and your investments is your number one priority. What happens when you’re involved in an accident and your insurance is simply not enough to cover the damages and other costs? This is why at TJ Woods, we understand that situations like this do happen. We offer an insurance policy, called umbrella insurance, that provides protection to your standard homeowner, auto, or boat insurance to take care of extra expenses and provide you the coverage you need. [Read more…]

Do You Need Boat Insurance for Your Craft?

Boat Insurance, TJ Woods Insurance Agency, Worcester, MAEven more than homes or cars: boats – and watercraft in general – come in a staggering array of shapes, sizes, and roles. From single person personal watercraft to marina yachts, their housing, transportation, and costs vary widely. With such varied values and risks, and different locations for these risks to occur, it can be difficult for owners to judge the risk and necessity to insure the watercraft, especially when both Homeowners’ Insurance and Car Insurance can also provide coverages. This article goes over what coverage these insurances provide, as well as situations where you’ll need additional coverage. [Read more…]