Does Flood Insurance Cover Flooding From A Hurricane?

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Hurricanes bring a whirlwind of destruction, spawning tornadoes with powerful winds that rip apart homes and uproot trees. Heavy rainfall results in flooding and dangerous storm surges, leaving a trail of waterlogged devastation. Many homeowners are confused about filing insurance claims and dealing with flooding from hurricanes.

Understanding Standard Insurance

Flooding from hurricanes often falls under the category of flooding, meaning it is typically exempt from many insurance policies. Many standard policies do not cover damage from extreme natural disasters. Instead, homeowners can purchase additional coverage for natural disasters. Many insurance companies offer add-on protection for floods, hurricanes, and more. Speak with an agent at Smoller Insurance Agency to learn about add-on coverage available in Boston, MA.

Flooding From Hurricanes

Most people aren’t sure whether flooding from hurricanes is covered under hurricane insurance or flood insurance. Water damage from excessive rain or storm surges typically falls under the category of "flood insurance". Homeowners with only hurricane insurance may end up footing the bill if they face water damage from rainfall.

Different Coverage for Different Damages

Dealing with homeowners’ insurance after a hurricane can be challenging. Flood insurance typically covers water damage, such as flooding. However, damage to doors, windows, and wind damage is generally covered under the hurricane aspect of an insurance policy. Policies may require tornado insurance to cover damages from winds if there is a tornado.

We understand that this can be confusing. Experienced agents at Smoller Insurance Agency will discuss your concerns, help you choose coverage, and ensure you know what type of coverage covers specific types of damage. Contact us to learn more today. We’re currently serving the Boston, MA area.

How to Insure Your New Condo in Boston MA

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Owning a condominium in the historic city of Boston comes with many perks and benefits. However, new condo owners must take precautions to protect the interior of their units and their personal belongings by investing in a well-structured condo insurance policy that meets their unique needs.

Learn how to get condo insurance for your new Boston condo from the experts at Smoller Insurance Agency.

Insuring Your New Condo in Boston, MA

For new condominium owners in Boston, follow the steps below to start a new condo insurance policy to protect your valuables and personal belongings in your new home.

Step One – Review Your Master Insurance Policy Coverage

Insuring your Boston condo requires understanding the limits of your Master Insurance Policy, which is typically held by your condo association. This policy protects condo owners and residents from structural-related perils, provides common area protection, and offers liability coverage for shared spaces.

Step Two – Choose Liability or Comprehensive Condo Insurance Coverage

Individual insurance takes your protection a step further and provides liability or comprehensive insurance coverage for perils, including theft, vandalism, and natural disasters.

Your policy’s contents will vary based on your individual preferences and selections. Talk to a trusted local insurance agent to learn what benefits and coverage you qualify for based on your preferences, insurance needs, and budget.

Step Three – Get a Condo Insurance Quote and Start Your Policy

Starting an insurance policy with personal property, building property, liability, or comprehensive protection is as easy as contacting a licensed and knowledgeable insurance agent near you and requesting a condo insurance quote.

Experienced agents at Smoller Insurance Agency in Boston, MA, can help you choose the best coverages to protect your financial interests. Contact our offices today!

Understanding Usage-Based Insurance

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Usage-based insurance (UBI) is an increasingly popular form of auto insurance that uses behavioral measurements of your driving habits and vehicle use to determine your premium. In effect, UBI calculates your insurance premiums based on your driving miles and riskiness. If you want to learn more about UBI programs, contact the August Vincent Insurance Agency team serving the Crystal Lake, IL, area.

How UBI Works

Traditionally, insurers determine auto insurance premiums based on a driver’s accident history, gender, age, marital status, and other characteristics. While this system was the best available, it wasn’t perfect as it based premiums on your characteristics rather than your driving behavior. However, today, in-vehicle telematics, smartphones, and other technologies allow insurers to track how often you speed, hard brake, use your phone, drive miles, and where you drive to determine your insurance premiums. Some UBI policies are based only on your miles driven, while others use your mileage and driving riskiness.

Policyholders choose to participate in UBI; the insurer does not force you into the program. Financially, UBI benefits those who drive safely for limited miles (less than 11,500 per year) and don’t mind the insurer tracking their driving and location. Such drivers typically save 5 to 10% for signing up and 10 to 15% after a trial period that confirms they are safe drivers.

UBI has drawbacks for those who drive aggressively, drive a lot, or have privacy and data integrity concerns. Insurance companies use different technologies for their UBI programs, so switching insurers may also require switching technologies.

Working With The August Vincent Insurance Agency

Our August Vincent Insurance Agency team serves the Crystal Lake, IL, area and will answer your UBI or other insurance questions. Stop by or call (847) 512-7301 today to develop an insurance plan that meets your needs.

Tips to Avoid Smash and Grabs

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Riding a motorcycle is an exhilarating experience; for many riders, sharing that experience with a passenger makes it even better. But before you invite someone to hop on the back of your bike, it’s important to know whether your motorcycle insurance covers them in the event of an accident. At Kingston Insurance Agency LLC, serving residents in and around South Kingstown, RI, we help riders understand their coverage so they can confidently hit the road.

Understanding Motorcycle Insurance and Passenger Coverage.

Not all motorcycle insurance policies automatically cover passengers. While liability insurance is required in most states, it typically only covers damages or injuries you cause to others, not the person riding with you. If you regularly ride with a passenger, you’ll want to ensure you have guest passenger liability coverage or medical payments coverage in your policy.

Guest passenger liability helps cover medical expenses for your passenger if they’re injured in an accident where you’re at fault. Without this coverage, your passenger might have to rely on their own health insurance, which could leave them facing high out-of-pocket costs. Medical payment coverage, on the other hand, helps pay for medical bills regardless of who is at fault.

Why Passenger Coverage Matters

Even the safest riders can’t control everything on the road. If an accident happens, having the right coverage ensures that both you and your passenger are protected from unexpected expenses.

At Kingston Insurance Agency LLC, proudly serving the communities in and around South Kingstown, RI, we’re here to help you find the right motorcycle insurance policy for your needs. Contact us today to review your coverage and make sure you and your passengers stay protected every time you ride.

How do I know which commercial insurance makes sense for my industry?

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There are many forms of commercial insurance, and your need for the various forms depends on the risks you take in your industry. Certain types of commercial insurance are nearly universal for businesses large enough to have several employees, while others are based on your industry and your company’s legal form (such as sole proprietor or corporation). While we present some general rules of thumb, we suggest consulting with a trusted insurance agent, such as the Smoller Insurance Agency, serving the Boston, MA, market.

Matching Commercial Insurance and Industry

A broad range of businesses need certain commercial insurance coverage, including:

  • General liability
  • Commercial property
  • Worker’s compensation
  • Cyber liability

Businesses that provide professional services need professional liability/errors and omissions insurance, and those in the medical field need malpractice insurance. Many manufacturers need product liability, machinery damage, and environmental hazard insurance. Also, those using motor vehicles need commercial vehicle insurance, and those transporting or storing goods generally need inland marine insurance.

The list of examples could go on, so the broader strategy is to review relevant trade journals, industry association websites, or other information sources in your industry for information about insurance practices. Conversations with suppliers and customers can often be helpful as well.

More broadly, you should review your assets and consider potential legal threats to your firm and others in your industry or sector. Another step is to review your supplier and customer contracts for legal obligations.

After consolidating that information, meet with a trusted insurance agent for their thoughts and recommendations.

Working with the Smoller Insurance Agency

The Smoller Insurance Agency serves individual and business clients in the Boston, MA, area. Call (671) 965-1830 today to gain the protection you need for your business and personal assets.

Legal Liabilities Most People Don’t Think About Until It’s Too Late And How Umbrella Insurance Protects You

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When most people think about insurance, they focus on the basics: auto, home, and maybe health. But what many don’t realize is that life is full of unexpected legal liabilities that can quickly spiral out of control. At Smoller Insurance Agency in Boston, MA, we’ve seen countless cases where a simple accident or oversight led to major financial consequences. That’s where umbrella insurance steps in to save the day.

Recognizing the Surprising Risks Hiding in Plain Sight

Imagine this: A guest slips and falls on the icy path leading to your front door. Or maybe your teenager causes a multi-car accident while driving to school. Even something as innocent as sharing an opinion online could lead to a defamation lawsuit. These scenarios may seem unlikely, but they happen more often than you’d think—and the legal costs can be staggering.

Standard insurance policies, like home or auto, typically have liability limits. Once those limits are exceeded, you’re left to cover the rest out of pocket. Without the proper protection, your savings, assets, and even future wages could be on the line.

How Umbrella Insurance Provides Protection

Umbrella insurance acts as an extra layer of protection, kicking in when your other policies max out. Whether it’s medical bills, legal fees, or settlement costs, umbrella coverage can help safeguard your finances. It’s surprisingly affordable for the peace of mind it provides, especially for those with significant assets or higher exposure to risk.

Contact Us Today for More Information

Don’t wait until it’s too late to protect yourself. Contact Smoller Insurance Agency in Boston, MA, today to learn how umbrella insurance can help secure your future. Peace of mind is just a call away!

The Three Main Differences Between Classic and Traditional Car Insurance

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Having a classic car is a joy. Whether it sits in a showroom or cruises around Boston, MA, you want the proper insurance to protect your vehicle. Classic car insurance is designed to do exactly that, but you might want to know what makes these policies special. To help with that, we’ve created this quick Smoller Insurance Agency guide.

Coverage and Cost

In terms of coverage, classic and traditional car insurance are more similar than not. You can choose how comprehensive you want your coverage to be, and the details of that coverage will vary by policy.

That said, classic cars typically see less frequent driving. Because of that, the premiums (for similar levels of coverage) are usually lower on classic car insurance (remembering that this can vary case by case).

In addition, classic insurance can also include specialized car show coverage that gives you specific protections for car shows and events.

Eligibility

The next major difference is eligibility. Most cars don’t qualify for classic coverage. There is no exact, universal set of rules, but a few guidelines can help you consider when a car counts as a classic. Typically, it must be at least 25 years old and must be "exotic."

There is no perfect definition of "exotic" in this sense, but the less common a car is, the more likely it will count.

Lastly, most classic car insurance vehicles will be in relatively good condition. If you purchase your favorite classic with plans to restore it, you might not want classic insurance until the restoration is complete.

Claims

The last major difference concerns claims. Classic cars do not depreciate over time in the same way that most vehicles do. In some cases, they might even appreciate, which affects claims.

In most cases, you and the insurance company initially agree upon classic car values. If you think your classic car is worth $30,000 (just as an example), you would seek a $30,000 policy. That means the maximum payout in the case of a total loss would be $30,000.

While that covers the biggest differences between classic and traditional car insurance, you always have plenty of options — especially when you work with Smoller Insurance Agency. Contact a representative today to cover your classic car in Boston, MA.

ATV or UTV: Which is Right For You?

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If you’re considering purchasing a new recreational vehicle for your family, you’re likely weighing the options between an ATV and a UTV. Both are excellent choices for off-road activities, boasting similar power and speed. Here are the key differences to help you decide the best fit for you.

Passenger Space

A significant difference between the two is the passenger capacity. ATVs typically accommodate up to two people, which might be just what you need. However, if you’re looking for a more family-friendly option, some UTVs can carry up to four passengers, allowing everyone to join the fun.

Comfort

When it comes to comfort, UTVs take the lead. They offer ample legroom, comfortable seating, and even cabs. In contrast, ATVs feature slender, motorcycle-style seating and lack cabs for comfort or safety protection.

Off-Road Experience

While both vehicles are designed for off-road travel, ATVs typically handle more challenging terrain better due to their smaller size and ability to squeeze through tighter gaps. UTVs, being larger, may struggle with narrow trails and don’t maneuver quite as well as ATVs.

Transport

Are you planning to transport your new ATV or UTV? Both will require a trailer. However, if you have a pickup truck, most ATVs can fit in the bed, eliminating the need for a trailer.

Cost

Another major difference between the two is the cost. ATVs are generally cheaper than UTVs due to their smaller size and simplicity. UTVs, which can be customized and function like small vehicles, can cost as much as a car.

If you’re in the recreational insurance market, contact our Smoller Insurance Agency team today. We serve customers living in or around Boston, MA.

What Does Renters Insurance Actually Cover?

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Renters insurance is an invaluable asset for anyone renting a property. At Smoller Insurance Agency in Boston, MA, we recognize the importance of knowing exactly what this insurance covers, ensuring your peace of mind.

Safeguarding Your Personal Belongings

Renters insurance serves primarily as a protector for your personal belongings. Imagine if your laptop, furniture, or jewelry is damaged or stolen. Renters insurance covers such items against risks like theft, fire, or vandalism. This ensures that if an unexpected event occurs, your policy can help replace these possessions.

Liability Coverage: A Financial Security

Accidents can occur unexpectedly. You may be held accountable if a guest gets injured at your rental property. Renters insurance includes liability coverage that can cater to legal costs and medical expenses if you’re found at fault. This aspect of the policy serves as a financial safety measure, preventing potential financial burdens.

Provision for Additional Living Expenses

If a covered incident turns your rented place uninhabitable, renters insurance can cover additional living expenses. This means the policy might afford temporary accommodations, such as a hotel room or a short-term rental, while your house is under repair. Having such coverage ensures you’re never left without shelter.

Understanding What’s Not Covered

It’s essential to know your policy’s limitations. Renters insurance typically does not cater to damages resulting from natural disasters, such as floods or earthquakes. If your residence is in a high-risk area for these events, you might require additional coverage for comprehensive protection.

For personal consultations and to explore your options, get in touch with Smoller Insurance Agency in Boston, MA. We’re here to assist you in selecting the right renters insurance policy tailored to your unique needs.

Does Motorcycle Insurance Cover Theft?

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Motorcycles are more difficult to keep secure compared to other vehicles. Thieves often target motorcycles because they are easier to steal, making this a prime concern for motorcycle owners. According to Moving Intelligence, about 75% of the motorcycles stolen in May were not recovered compared to the lower rate of 39% of stolen cars that weren’t recovered. Thankfully, insurance agents at Smoller Insurance Agency can help you find coverage to meet your needs. 

Liability Coverage

Many states require that vehicle owners have basic liability coverage. Liability coverage provides the bare minimum coverage necessary. It often covers property damage and bodily injury for people in the other vehicle. However, it doesn’t typically cover damage to your motorcycle or theft. Instead, it focuses on providing the minimum coverage to comply with local, state, and federal regulations. 

Collision Coverage

Collision coverage is a popular vehicle type in Boston, MA, and often covers damage to your car if there’s an accident. For example, get in an accident with a vehicle. The insurance company will often cover the cost of repairs or total out the motorcycle and pay you to purchase another one. However, collision coverage primarily covers accidents, not theft. 

Comprehensive Coverage

Comprehensive coverage is known to cover things that are beyond your control, including theft. This type of coverage may cover acts of God, weather-related, or random events you can’t control. For example, if severe weather strikes and a tree falls on your bike. However, it does often require a deductible. Motorcycle owners are required to pay a deductible before insurance kicks in. Full coverage usually covers theft, too. 

Contact Smoller Insurance Agency

Insurance coverage often varies depending on the state and insurance company. Agents at Smoller Insurance Agency understand the importance of theft insurance for motorcycle owners and are currently serving the Boston, MA area. Contact us to discuss your coverage today.