Umbrella insurance is an important type of coverage that boosts the coverage that you get from other insurance policies. If you have both an auto policy and a home policy, you should think about getting an umbrella policy to boost them.
This is a less-expensive option than adding coverage directly to the home and auto policies. It can save you a lot of money and leave you much better protected by insurance. When you want an umbrella insurance policy, call us at Smoller Insurance Agency in Boston, MA.
Getting Umbrella Insurance
When you get this type of insurance, it adds to the amount of coverage that you already have through your auto and home policies. The policy adds to the liability coverage that each of those policies has, raising it to a very high maximum payout. Umbrella insurance is known for being highly affordable and for having high payouts.
Paying the Overages
When you have home and auto insurance without umbrella insurance, there are usually maximums on them that are so low that they don’t cover all of the expenses after an accident. A serious accident could have extremely high expenses for bodily injury liability and for property damage liability. If your home or auto insurance doesn’t have a lot of coverage, it will pay up to its maximum and then leave any overage for you to pay.
That’s why having umbrella insurance is so important. Once the first policy comes in and pays what it can toward the damages, the umbrella insurance policy comes in and pays for the rest. It’s a great way to be well-covered by insurance.
Get Umbrella Insurance
When you want to be better covered for your liability at home and in your vehicle, you need umbrella insurance. Call us at Smoller Insurance Agency in Boston, MA.
If you own a classic car, you must insure it with the best insurance policy available. Classic cars are often significant investments, and your classic car insurance must reflect this. For a classic car, it isn’t enough to have a regular auto policy. You specifically need a classic car policy. If you don’t have the insurance policy that you need, give us a call at Smoller Insurance Agency in Boston, MA.
Classic Car Policies
If you have a standard auto insurance policy on your classic car, it is unlikely that it will pay out what the car is actually worth if something goes wrong. When you purchase a standard auto policy, the coverage is determined by the car’s age, condition, and mileage. If you use these criteria, it may not reflect what the car is actually worth as a sought-after classic.
You’ll need a policy that considers the car’s popularity as well as how much people are willing to pay for it. Aspects of the car like its mileage may factor into its value, but many other factors are important when the car is a classic. This can mean its place in popular culture or the scarcity of that model of car. All of these factors are taken into account when purchasing a classic car insurance policy, and the policy is written for the specific car rather than a generic value.
The coverage amount is so important because you may be in an accident that damages or destroys the car. This would be extremely costly for you if you didn’t have the right coverage for your needs. You need to stay covered with a classic car policy so that your investment in your car is protected.
Get Classic Car Insurance
Here at Smoller Insurance Agency, we understand classic cars and the investment they truly are. To get your coverage, visit us at our office in Boston, MA or give us a call today.
Many of our carriers may reward your safe driving with a discounted premium! Mapfre, Travelers, Progressive, Safeco, and Safety policyholders: read on to learn how to earn an additional discount!
New Mapfre clients can download Mapfre’s MotionSmartmobile app and you can receive up to a 10% discount on their Auto policy!
Traveler’s IntelliDrive mobile app tracks your driving habits and adjusts your premium accordingly.
Progressive’s Snapshot mobile app personalizes your auto premium based on how and how much you drive. In fact, drivers who save with Snapshot save an average of $156 a year (excluding AK, HI, & NY).
Policyholders can download the Safeco mobile app and enroll in RightTrack. After 90 days of safe driving, you could see savings between 5% and 30% on your policy! The more drivers on your policy that use RightTrack, the higher your potential savings.
Safety offers several discount programs for their safe drivers in MA!
Up to 24% for Excellent Driver Plus Discount (no accidents or incidents in past 6 years)
Up to 10% for Excellent Driver Discount (no accidents or incidents in past 5 years)
If you have any questions about these programs, please call us at 617-965-1830, text us at 617-958-5929, or email firstname.lastname@example.org. We’ll be happy to help you figure out the best possible way to save you money.
We are the first to admit it: insurance policies can be confusing. When reviewing your declarations page (AKA your full policy), we want you to be able to quickly identify what your coverages are without having to decode fancy terminology.
Have no fear! The Smoller Insurance team is here to help!
Here are the most important points on your auto policy.
Bodily Injury Liability – Covers costs associated with injuries that you or another driver causes while driving your car. This includes collisions with insured drivers, underinsured drivers, and uninsured drivers.
Property Damage – Covers damage that you or another driver operating your car causes to another vehicle or other property.
Collision and Comprehensive –
Collision coverage – Covers damage to your car resulting from a collision with an object. This number is the amount you pay out of pocket as a deductible before your insurance covers the rest of the damage.
Comprehensive coverage – Covers damage to your car caused by disasters other than collisions.
Rental car coverage/Substitute Transportation – The numbers listed here show the amount per day your insurance will pay for a rental car for you if your car is damaged in a claim, and the maximum amount they will pay for a rental in total.
Towing and Labor – The number listed here is the amount of money your policy will cover for expenses associated with car breakdowns, like towing.
If you want to discuss or adjust your levels of coverage, let us know! We will be happy to help.
Are you looking for an insurance policy to protect your recreational vehicle in Boston, MA? With recreational insurance, you’ll get liability and physical damage coverage, plus specialized coverage for toys and vehicles not usually provided by a standard home or auto policy.
What is Covered Under Recreational Insurance?
Recreational insurance provides special coverage for vehicles like boats, yachts, jet skis, motorcycles, ATVs, snowmobiles, motorhomes, and travel trailers. This type of policy covers physical damage (like accidents and theft), liability (if someone gets injured in your vehicle), and medical payments if there are any injuries. It also covers any custom features you may have added to your vehicle, like stereos or satellite dishes.
Why Do You Need Recreational Insurance?
The most important reason why you need recreational insurance is so that you can protect your investment in the event of an accident or theft. Without it, you could face costly out-of-pocket expenses that could be avoided with the right coverage. Also, if someone gets injured while in your vehicle (or because of it), they may be able to sue you if they don’t have the right insurance coverage. That’s why it’s important to ensure that you have the right kind of protection in place.
Contact Smoller Insurance Agency for Your Recreational Insurance Needs!
At Smoller Insurance Agency in Boston, MA, we understand the importance of having the right recreational insurance coverage for your needs. One of our knowledgeable agents will work with you to find the best possible solution for your unique situation. Contact us today to learn more about our recreational policies and get started on protecting your investment today!
Renters insurance is the coverage that helps to protect you from the risks that may come with potential damage or theft of your property as you rent a home. It is also known as tenant insurance.
While it is not mandatory to have this insurance according to the law, it is a requirement by most landlords in Boston, MA that you have renters insurance. Smoller Insurance Agency is here to assist.
Benefits of Renters Insurance
This coverage serves to protect you against distress in the event of:
When you have renters insurance, you need not worry about any extra finances that you may need to cover the cost of treatment in case of any injury that has been sustained by you or any other person who was on your property at the time of damage.
Damage to your or another person’s property.
In the unfortunate event that your property has been damaged, or your property has caused damage to another person’s property, the insurance cover will see to it that the person has been compensated. It will also be of assistance where you may need to repair your property or the landlord’s property.
Apart from the potential damage and injury that may occur during a burglary, you are also very likely to lose your property. Even if you were not in your house at the time of loss, the insurance could compensate you for the present-day cost of your property.
Additional expenses associated with moving to a temporary residence.
Some situations such as natural disasters or renovations may need you to move to a temporary residence. The insurance will cover the expense that you need to part with to stay at the temporary residence.
Contact Us Today
It is worth noting that you are not covered by your landlord’s property insurance. It is therefore important that you put in your priorities a cover for all the property that you have in your rental in Boston, MA. Smoller Agency Insurance is here to help with renters’ coverage. Give us a call today.
So, electric vehicles are great for the planet and will save you gas money. But, electric vehicles may not save you insurance money. Why? Because the repair and replacement costs for electric vehicles are higher than that of gas-powered vehicles.
However, the other factors that go into determining your insurance premium are still relevant too! These includes age, driving and claims history, and coverage levels, to name a few.
If you want an electric vehicle, you don’t have to let the insurance cost change your mind! Simply give us a call or send us a message and we’ll help to get your rate as low as possible without sacrificing your coverages.
Congratulations! You’ve bought your first motorcycle and joined the family of two motorized wheels. You have joined a nationwide community of people who, at least in warm-weather months, ride astride heavy metal thunder. You might have serious questions about your motorcycle, its insurance, and how it’s different from a car. Your Boston, MA insurance partners at Smoller Insurance Agency are here to help with your questions.
Motorcycle insurance is more expensive than car insurance
You’ve undoubtedly already noticed that your motorcycle premiums are more expensive than the equivalent auto premiums and probably also wondered why that is. A motorcycle, of course, is less expensive than a car. Unfortunately, motorcycle insurance is a much bigger risk than auto insurance, so motorcycle coverage is more expensive even though the vehicle it’s covering is less expensive. Fortunately, your coverage will get less expensive as you prove you’re a good driver on your motorcycle.
Personal Injury Policies
Car interiors are designed around keeping drivers and passengers safe from harm. Motorcycles are not. If you’re in a motorcycle accident at any real speed, there is a real chance that you’re going over your handlebars. Because of this, personal injury protection coverage, very seldom purchased as a rider on auto insurance, is almost obligatory for motorcyclists.
Laid Up Insurance
It’s no secret that Northeastern winters are harsh. Because of this, many Northeast motorcyclists put their bikes in storage over the long winter, leaving them in storage until the spring comes and they can get out again. Laid-up coverage reduces your insurance costs, but you won’t be covered if you take it out during this time.
Contact Us Today
There are additional coverage add-ons to consider with your new bike Consult your professionals at Smoller Insurance Agency serving Boston, MA for answers to these questions on your motorcycle insurance.
“The service is great but what is really important is the service after we get our insurance policy. If we have any issues whatsoever, he is on top of it and he never misses a beat.”
“We absolutely love working with Smoller Insurance!”
“I have been a customer with Smoller Insurance Agency for over 20+ years for both my personal insurance and business insurance. I cannot say enough great things about Mark and Billy. They treat their customers like family and have always provided amazing personal service. They are available for any situation at any time day or night. The level of dedication has exceeded my expectations!!!”
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“Billy goes overboard to get me the best policy and has saved me countless times with issues. It’s a miracle he didn’t fire me!! Running my business and staying on top of insurance needs was endless especially the first few years of starting. Billy was instrumental then and remains to be a solid caring individual that looks after your best interest There are other insurance agencies however in over 40 years of driving, I have never experienced the attentiveness as Smoller Insurance.”
“I had a wonderful experience with Smoller insurance, Billy was actually on vacation when I had a small problem, and he took care of it immediately. Exactly the kind of guy you want working for you when you have trouble.”
“I was referred to Smoller Insurance by a friend. I was hesitant to switch agents because I was comfortable with the agency, I had worked with for so many years! I'm so glad I switched because it's more than a simple business relationship. They really take the time to get to know you personally and always feel like their recommendations are in MY best interests and not the other way around! I would recommend Smoller Insurance to anyone that wants to get the most out of their experience dealing with insurance.”
“Being a business owner this company saves me over 1000.00 dollars a year and anytime I need help they always answer the phone and make it all good.”
“Where do I even begin with this amazing duo?! I’ve had Smoller Insurance as my agent for the last 7 years and will never look elsewhere. They were truly a blessing in disguise and came into my family’s life at the perfect time! Mark and Billy are very professional, detail oriented, and they both genuinely care about their clientele. Billy’s recommendations are always in my best interest and not the other way around making him the Rockstar that he truly is! They have built such a strong and personal relationship with my family and I, and you definitely can’t get that anywhere else. Highly recommend! Trust me, you won’t be disappointed!”
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