Should You Get Flood Insurance for Your Home?

Natural disasters pose a major risk to homeowners, with floodwaters potentially tearing down home structures and uprooting people’s lives. Water damage can be expensive, costing property owners an average of $2,000 to $6,000 to restore the property. Most people do not have $2,000 saved to pay for unexpected damage to their property, which is why purchasing flood insurance is a recommendable action. If you live in Boston, MA, should you purchase flood insurance for your home? According to the agents at Smoller Insurance Agency, the answer is yes.

Is Boston at Risk of Flooding?

Boston is a low-rise area expected to experience significant flooding, mostly due to storm surges and heavy rainfall. Homeowners in the area are bracing for the worst and looking for ways to disaster-proof their homes. Some homeowners are purchasing home insurance plans that cover natural disasters. These plans typically include policies that cover floods, fires, storms, or other natural disasters.

Benefits of Flood Insurance

If you live in Boston, insurance covering water damage is highly recommended. This type of insurance will cover any restoration resulting from water damage. With the proper insurance plan, you should be able to cover the cost of water damage to your home’s flooring, doors, base, walls, or other structures. Besides reducing the costs of repair or renovation, purchasing flood insurance provides peace of mind against potential natural disasters in the future.

Finding Flood Insurance in Boston, MA

If you’re interested in purchasing flood insurance for your home, contact Smoller Insurance Agency at 617-965-1830. Our team will be glad to schedule an appointment for you.

Protect Your Boston Condo: A Buyer’s Guide by Smoller Insurance Agency

When Boston, MA condo owners entrust Smoller Insurance Agency with their condo insurance decisions, they can enjoy the peace of mind that comes with knowing they are in the right hands. To protect your Boston condo, you need to take the proper steps. Thanks to this buyer’s guide, the process has never been more straightforward. Read on to learn more about how to find the best condo insurance policy for your needs.

Consider All Possibilities

There is no shortage of issues that can arise, and condo insurance policyholders should consider each and every one of them. Whether you are looking for a safeguard against equipment breakdowns, sump pump issues, replacement costs, or natural disasters, there is no shortage of potential quagmires that you should do everything in your power to avoid at all costs.

Avoiding Insufficient Coverage

It all starts with minimum replacement cost estimates. If this aspect is not handled early, you may have a policy that does not offer the necessary coverage once a problem arises. Let’s say the unit has to be rebuilt one day. This should be considered before the policy is chosen, not after.

Preparing For The Future

A condo will not always look the same throughout its lifespan. Once you wish to make various changes and alterations, you will want an insurance policy that reflects these concerns. Whether you plan on making changes to the floors, walls, or ceiling, the condo insurance policy you have selected has to reflect that.

Smoller Insurance Agency is here to guide potential clients through all of the potential pitfalls that can take place when choosing a new condo insurance policy. Boston condo owners are urged to contact us as soon as possible. Let our expert professionals help you choose the policy that best aligns with your domicile.

Important Questions to Ask When Shopping for Auto Insurance

Selecting insurance for your car or other vehicle can be intimidating. You might not understand what’s required, what’s covered, and everything else. The good news is that you can figure everything out by working with trusted insurance agents. We covered some must-ask questions below, but if you need further help with auto insurance, contact Smoller Insurance Agency, serving Boston, MA, and other communities.

What Are the Legal Requirements?

Many state authorities stipulate insurance requirements. If you drive without having insurance, you can end up in trouble with the law. You might even lose your license or face other severe penalties.

What Are the Risks in My Area?

In some areas, car thefts or people breaking in to steal stuff are significant risks; in others, they might be relatively rare. Likewise, weather events can be a major risk for some while not so pressing for others. Remember that if you’re planning a road trip, you may come across different risks on your journey. It might be smart to adjust your plan before hitting the road. Speaking with an agent about your location, lifestyle, travel plans, and more is smart.

What Doesn’t My Policy Cover?

One of the best questions you can ask is what your insurance plan might not cover. For example, some plans don’t provide coverage if stuff is stolen from inside your vehicle. Other plans will provide coverage. It’s best to consider any gaps, and if you notice any big risks, it’s wise to talk with an agent to see if you can get additional coverage.

If you need further help selecting auto insurance, feel free to contact Smoller Insurance Agency, serving Boston, MA, and beyond.

Types of Commercial Insurance Your Business May Need

The Importance of Commercial Insurance

Commercial insurance is an indispensable safety net for any business. It provides reliable coverage to tackle unexpected challenges and problems that might arise. Assessing your business’s unique needs and choosing appropriate commercial insurance types is vital. For assistance, reach out to our team at Smoller Insurance Agency in Boston, MA.

Commercial Auto Insurance

If your business owns any vehicle(s), its insurance policy matters a great deal. If the vehicle is currently under a personal policy, it may not cover accidents occurring while the vehicle is engaged in business activities. It’s crucial to ensure that all business-owned vehicles have commercial insurance coverage. Proper commercial auto insurance will protect your business in the event of an accident.

Workers’ Compensation Insurance

This type of insurance is essential if you have employees. It safeguards you and your business if an employee gets injured while working. Even in seemingly safe environments, there is always a possibility of an accident, such as an unexpected fall. Workers’ compensation insurance ensures that medical bills can be covered in an accident.

Cyber Insurance

Does your business rely on computers? You might need cyber insurance. It offers protection against problems like data breaches, which can be crucial in this digital age. This kind of coverage can shield your business from serious cyber-related problems that could potentially incur hefty costs.

Securing Your Commercial Insurance

Commercial insurance safeguards against potentially enormous costs. It serves as a bulwark that protects your business’s financial well-being. Embark on your journey towards comprehensive business protection today by contacting us at Smoller Insurance Agency in Boston, MA.

Does Umbrella Insurance Cover Everyone in My Household?

Umbrella insurance provides protection when we face liabilities exceeding the limits of our home, auto, or other insurance policies. Umbrella policies cover all members of the policyholder’s household, but there are exceptions policyholders should know and discuss with their agent. If you live in or near Boston, MA, and have questions about an umbrella or other insurance, consider contacting the Smoller Insurance Agency team.

Covering Household Members

Umbrella insurance sits in the background and activates when our liabilities exceed the limits of our underlying policies. Although they seldom come into use, they play a critical role in safeguarding us against the financial effects of significant injuries or damages.

Under normal circumstances, umbrella policies cover all household members. However, like your auto policy, the insurance company needs you to identify the household members so they can adjust the premiums based on the number of people in the household and their characteristics.

An important point is that your umbrella policy will not cover household members covered by separate policies. For example, your umbrella insurance will not cover your adult children or parents who live in the household if they have separate auto insurance policies. Likewise, a child with a renters’ policy covering their college apartment will not be covered.

These situations point out that those who have or are considering umbrella insurance should discuss the policy details and household members with their agent to ensure they clearly understand who the policy covers and who it doesn’t.

Working With Smoller Insurance Agency

Each situation is unique, so we recommend reviewing your circumstances with your agent. If you live in or near Boston, MA, stop by the office or call us today at 617-965-1830. Our Smoller Insurance Agency team wants to help with all your insurance needs.

Don’t Forget Classic Car Insurance Before Your Big Show!

Smoller Insurance Agency can help Boston, MA residents like you identify excellent insurance options for various situations. For instance, we can help you find classic car coverage that keeps your vehicle safe. Here’s what you need to know about this protection and how it helps during car shows.

What is Classic Car Insurance?

Classic car insurance is a specialized policy type that focuses on vehicles classed as classic or antique. Typically, these are vehicles at least 10-25 years old, though they may be older in many areas. With this coverage, you can keep yourself safe whenever you go to a big car show with your vehicle.

How It Helps for a Show

Taking your vehicle to a classic car show can be fun and even financially rewarding. But what happens if you don’t have insurance and something happens? You might be at risk for serious financial loss! Thankfully, your protection can minimize this danger in various ways. Getting it can provide you with a variety of benefits, including how It:

  • Protects You During Travel: Your policy should keep you safe while driving or hauling your car.
  • Covers Potential Damage: If someone damages your car unexpectedly, your policy may help.
  • Pays for Replacements: Did your classic car finally give out? Your policy may pay to replace it.
  • Gives You Peace of Mind: Knowing your car is safe will make your car show more fun.

Get the Help You Need

With the help of our team at Smoller Insurance Agency, Boston, MA residents can protect their classic cars and keep them safe from various types of damage. Our goal is to provide hands-on support in choosing a policy, so make sure that you contact us today to learn more about how we can help.

How Recreational Insurance Keeps You Afloat

Navigating the waters of Boston Harbor can be a thrilling experience, whether you’re a seasoned sailor or a weekend boater. However, as the saying goes, smooth seas do not make skillful sailors. That’s where our guidance at Smoller Insurance Agency comes into play for residents of Boston, MA and surrounding areas. 

Understanding Recreational Insurance

Boat ownership comes with a unique set of responsibilities, and we recommend safeguarding your investment to the best of your ability. Recreational insurance is a wise choice for anyone who wants to enjoy their time on the water without worrying about potential property damage expenses. The right recreational insurance can protect you, your loved ones, and other boat owners from the financial consequences of unintentional mistakes or unpredictable circumstances. 

The type of policy you choose may depend on the type of boat you have, where you plan to use it, and existing policies you may have for your home, car, or other recreational vehicles. 

Navigating the Waters of Uncertainty

Accidents happen, and being prepared is the key to overcoming unforeseen challenges. Whether you are an experienced boater or a novice on the water, inclement weather, irresponsible boaters, unexpected obstacles, or mechanical failure are all things outside your control that can damage your boat and sink your plans. 

We at Smoller Insurance Agency can guide you through the intricacies of recreational insurance and have a deep understanding of the unique challenges faced by boat owners in Boston, MA. We take pride in our commitment to providing comprehensive coverage tailored to your unique needs. Contact us today to explore your options and discover how our expertise can keep you afloat in the unpredictable seas of life.

Will renters insurance cover the repair of the laptop I accidentally dropped?

Renters insurance provides coverage for a tenant’s personal belongings. Renters insurance has the ability to provide peace of mind for renters, similar to what homeowners insurance provides homeowners. It can be costly to replace damaged, vandalized, and stolen items. Renters insurance provides coverage for a renter’s personal belongings should they become vandalized, damaged, or stolen, and more. Our team at Smoller Insurance Agency is committed to helping Boston, MA renters get the coverage they need.

How does renters insurance work?

Tenants pay a monthly fee for renters insurance. If a personal belonging is stolen, damaged, or vandalized and is covered by the renter’s insurance policy, the tenant files a claim to receive financial compensation to repair or replace the item. Liability coverage is also included in a renters’ insurance policy. If a guest becomes injured or has property damaged while visiting the tenant’s apartment/condo/rented space, the tenant can file a claim to cover medical care/payments or pay for the repair of the damaged property. Depending on the insurance policy, renters insurance can also replace lost income, cover bills, and cover groceries and other necessities. However, renters insurance isn’t designed to cover the physical rental space, just the tenant’s personal belongings. 

Will renters insurance cover the repair of the laptop I accidentally dropped?

No. Renters insurance will not pay for the repair or replacement of a laptop or personal belonging that was damaged by negligence. Unfortunately, the renter’s insurance policy outlines the types of damage and circumstances that are covered by the policy. Making a mistake or accidentally breaking personal belongings isn’t covered by renters’ insurance. If you have more questions regarding renters insurance, call us at Smoller Insurance Agency in Boston, MA. We’d be happy to answer all of your questions. 

Guarding Your Ride: How Motorcycle Insurance Thwarts Theft and Vandalism

Motorcycle theft in the Boston, MA area, in particular, is a significant concern for riders. To safeguard their cherished rides, motorcyclists turn to motorcycle insurance, which offers critical protection against theft and vandalism.

Key Benefits of Motorcycle Insurance for Theft and Vandalism

  • Theft Protection: Motorcycle insurance includes coverage for stolen bikes. If your motorcycle is stolen and not recovered, the insurance can help you replace your bike, ensuring you can get back on the road.
  • Vandalism Coverage: In the unfortunate event of vandalism, where your motorcycle is intentionally damaged, motorcycle insurance can cover the repair or replacement costs. This protection safeguards your investment from senseless acts of destruction.
  • Comprehensive Coverage: Comprehensive coverage, a component of motorcycle insurance, protects a wide range of non-collision perils, including theft and vandalism. This is crucial for motorcycle owners, as it offers all-encompassing protection against unexpected incidents.

Preventing Theft and Vandalism

While motorcycle insurance is a vital tool in protecting against theft and vandalism, there are several preventive measures motorcyclists can take to reduce the risk:

  • Security Systems: Invest in high-quality security systems, such as alarms, locks, and GPS trackers, to deter theft and increase the chances of recovery in case of a stolen motorcycle.
  • Safe Parking: Park your motorcycle in well-lit, secure areas, preferably with surveillance cameras. Avoid leaving it in isolated or unattended locations.
  • Use Motorcycle Covers: Motorcycle covers protect your bike from the elements and deter thieves by concealing its appearance.
  • Store Your Motorcycle Securely: Store your motorcycle in a secure storage unit when not in use. This provides an additional layer of protection against theft and vandalism.

Smoller Insurance Agency Can Help You

At Smoller Insurance Agency, we can help answer questions concerning motorcycle insurance. We serve the Boston, MA area. Contact us today.

Sailing Safely in Beantown: Why You Need Boat Insurance in Boston

If you enjoy a leisurely cruise along the Charles River or an adventure ride in the Boston harbor, local area boat owners are no strangers to the allure of the open waters.  

Boston Boat Insurance Basics

Many Boston boat owners don’t know that boat insurance is mandatory for all boat owners with an open loan on their vessel. A sudden storm or collision with another vessel on the water can lead to costly property damage or personal injuries. 

Boat insurance can offer financial protection when these unforeseen events happen. A comprehensive boat insurance policy in Boston can help you cover the costs of boat repair or replacement in the event of a total loss. 

Protect your floating investments with insurance from Smoller Insurance Agency in Boston, MA. Our licensed insurance agents can provide you with a variety of different coverage options to meet your boating insurance needs and explain your policy benefits. 

What Do Boston Boat Insurance Policies Cover?

Having boat insurance ensures that you comply with state requirements and provides peace of mind when boating accidents happen. Boaters who opt for basic liability coverage protect themselves against legal liability claims from other boaters and property owners if someone is injured while they’re driving their boat. 

Comprehensive and collision boat insurance protects your vessel and passengers from collision and non-collision-related boating mishaps, including accidental collisions with other boats, decks, buoys, and other stationary objects. 

Full-coverage boat insurance option can mitigate the effects of boat theft or damages to your boat caused by natural disasters like hailstorms and severe thunderstorms. 

We Are Here To Help

Talk to a licensed insurance agent at Smoller Insurance Agency in Boston, MA to learn more about your individual coverage options and deductibles based on your boating history and other factors.