<![CDATA[Cape Cod Insurance - Most Home insurance Options Available - Call 508.540.2601 for a Quote! - Our Blog]]>Wed, 22 May 2013 02:00:06 -0800Weebly<![CDATA[BOSTON STRONG with CALFEE and The One Fund Boston, Inc.]]>Mon, 29 Apr 2013 21:45:12 GMThttp://www.calfeeinsurance.com/3/post/2013/04/boston-strong-with-calfee-and-the-one-fund-boston-inc.htmlPicture
3x TIMES the MONEY that CALFEE raises will go to 'ONE FUND'

So here's the scoop-

The Arthur D. Calfee Insurance Agency, Inc. is proud to join the business community to support those most affected by the tragic events at the Boston Marathon.

The Arthur D. Calfee Insurance Agency, with offices located in the Homeport Office Complex at 336 Gifford Street in Falmouth and across the street of the North Falmouth Ball Field at 121 County Road will be raising money for the Boston Strong - 'One Fund.' 

From now, April 29th to June 1st, 2013, the Arthur D. Calfee Insurance Agency will be raising 'One Fund' to turn in to 'One' large supporter who has agreed to match 3x TIMES the amount raised by Calfee Insurance, meaning they will match donations on a $3 to $1 basis up to $1,000 in total from the supporter.

Massachusetts Governor Deval Patrick and Boston Mayor Tom Menino have announced the formation of 'The One Fund Boston, Inc.' to help the people most affected by the tragic events that occurred in Boston on April 15, 2013.

AP  |  By LINDSEY TANNER

Cost of amputating a leg? At least $20,000. Cost of an artificial leg? More than $50,000 for the most high-tech models. Cost of an amputee's rehab? Often tens of thousands of dollars more.

These are just a fraction of the medical expenses victims of the Boston Marathon bombing will face.

The mammoth price tag is probably not what patients are focusing on as they begin the long healing process. But friends and strangers are already setting up fundraisers and online crowd-funding sites, and a huge Boston city fund has already collected more than $23 million in individual and corporate donations.

No one knows yet if those donations – plus health insurance, hospital charity funds and other sources – will be enough to cover the bills. Few will even hazard a guess as to what the total medical bill will be for a tragedy that killed three people and wounded more than 260. At least 15 people lost limbs, and other wounds include head injuries and tissue torn apart by shrapnel.

Please visit www.CalfeeInsurance.com for more details.

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<![CDATA[Boston on Lockdown as Marathon Bombers Escape]]>Fri, 19 Apr 2013 16:31:52 GMThttp://www.calfeeinsurance.com/3/post/2013/04/boston-on-lockdown-as-marathon-bombers-escape.html
By Pete Williams, Richard Esposito, Michael Isikoff and Tracy Connor, NBC News
Boston and its suburbs, universities and transit system were on total lockdown Friday as police hunted for marathon bombing suspect Dzhokhar Tsarnaev -- on the loose after his accomplice brother was killed in a stunning chain of events that left one cop dead and another injured, officials said.

During a desperate effort to flee after their photos were released by the FBI, the brothers carjacked a Mercedes SUV and told the driver they were the men behind Monday's double-blast attack at the race and had just killed a campus security officer, a source told NBC News. The driver was released unhurt.

The older brother, Tamerlan Tsarnaev, was killed after a wild chase and firefight, but Dzhokhar was still at large in a densely populated area, and an associate was being sought. Adding to the nightmare, an explosive was found in Boston Friday morning and disabled, an official said.


The suspects' uncle, Ruslan Tsarni, called the brothers "losers" and urged Dzhokhar to turn himself in. "We're ashamed," he thundered outside his Maryland home.Three dozen FBI agents were surrounding the Cambridge, Mass., home where the brothers, of Chechen origin, grew up after moving to the U.S. a decade ago, seeking asylum. They feared it could be booby-trapped, Boston police sources said.

Across the area, as police cars screamed down streets and helicopters hovered overhead, authorities urged the public to stay inside and keep their doors locked to anyone but law-enforcement officers.

"There is a massive manhunt under way," Massachusetts Gov. Deval Patrick said. "We are asking people to shelter in place."

Subways and buses were shut down, and Amtrak service to Boston was cut. Harvard University, Boston University, the Massachusetts Institute of Technology and Emerson University were all closed and students were told to stay inside. The University of Massachusetts' Dartmouth campus was being evacuated because someone wanted in the case is registered at the school.

The lockdown initially affected more than 300,000 people in Cambridge, Watertown, Newton, Brighton, Allston and Belmont, but by 8 a.m., the entire city of Boston was paralyzed, officials said.

Watertown, where the second suspect was last seen, was the epicenter of a sprawling search. Frightened residents were trapped in their homes as convoys of heavily armed officers and troops arrived by the hour.

The overnight violence began at MIT about five hours after the FBI released surveillance photos of the two men suspected of planting two bombs near the finish line of Monday's Boston Marathon, killing three and wounding 176.

Read more: Who are the brothers accused of the Boston Marathon bombing?

Tips about the identity of the suspects were still pouring in when the Tsarnaev brothers fatally shotMIT patrol officer Sean Collier, 26, in his vehicle at 10:20 p.m., law enforcement officials said.

The brothers then carjacked a Mercedes SUV, holding the driver captive for a half-hour while they tried to use his cash card to get money from three ATM's, a source said. At the first, they put in the wrong number; at the second, they took out $800 and at the third, they were told they had exceeded the withdrawal limit, the source said.

The man was released unharmed at a gas station in Cambridge, sources said. As they sped toward Watertown, a police chase ensued and the suspects tossed explosive devices out the window, officials said.

There was a long exchange of gunfire, according to Andrew Kitzenberg of Watertown, who took photos of the clash from his window and spread them on social media.

“They were also utilizing bombs, which sounded and looked like grenades, while engaging in the gunfight,” he told NBC News in an interview. “They also had what looked like a pressure-cooker bomb.

“I saw them light this bomb. They threw it towards the officers,” he said. “There was smoke that covered our entire street.”

A transit officer, identified as Richard H. Donahue, 33, was seriously injured during the pursuit. Authorities said he was in surgery at Mount Auburn Hospital.

Kitzenberg said he saw the firefight end when Tamerlan Tsarnaev ran toward the officers and ultimately fell to the ground.

Tamerlan -- the man in the black hat from FBI photos released six hours earlier -- had an improvised explosive device strapped to his chest, law enforcement officials said.
Dzhokhar -- who was wearing a white hat in the surveillance photos from the marathon -- drove the SUV through a line of police officers at the end of the street, Kitzenberg said. 

Police said Dzhokhar has a Massachusetts driver's license and lives in Cambridge. He was described as light-skinned and with brown, curly hair, and wearing a gray hoodie. The FBI released more photos of him, including a surveillance camera photo from a 7-Eleven.

His father, in Russia, told the Associated Press he was "a true angel" and described him as a medical student who was expected to visit for the holidays.

Authorities painted a starkly different picture.

"We believe this man to be a terrorist," Boston Police Commissioner Ed Davis said. "We believe this to be a man who's come here to kill people."

Armored humvees and busloads of law-enforcement could be seen rolling into Watertown in the hours after the gunfight.

"We've got every asset we could possibly muster on the ground right now," Patrick said.

Later Friday morning, attorney General Eric Holder and FBI Director Robert Mueller headed to the White House to brief President Obama on the developments.

Secretary of State John Kerry, who is from Massachusetts, praised law enforcement for their work during "a pretty direct confrontation with evil."

"In the past few days we have seen the best and we've seen the worst of human behavior, and it's the best that all of us really want to focus on," he said.

Senate Intelligence Committee chairwoman Dianne Feinstein told NBC News it's clear the marathon bombing was "a terrorist attack."

"It's also clear, you know, that you know you don't have to be a card-carrying member of any terrorist group to commit a terrorist attack," she said.

NBC News' Kasie Hunt contributed to this story


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<![CDATA[Pay your UPC Insurance policy online!]]>Tue, 26 Mar 2013 13:53:07 GMThttp://www.calfeeinsurance.com/3/post/2013/03/pay-your-upc-insurance-policy-online.htmlPicture
Wind deductibles from $500 - $2,500

Special Tree Removal Protection

Ultra Coverage Program

Never get a late fee again!  Sign up for Automatic Payments online through UPC Insurance.
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<![CDATA[Room Availability and Falmouth Weather Emergency Infomation]]>Mon, 11 Feb 2013 20:20:00 GMThttp://www.calfeeinsurance.com/3/post/2013/02/room-availability-and-falmouth-weather-emergency-infomation.htmlPicture
Falmouth Weather Emergency Information  

WINTER STORM PRESS RELEASE
February 11, 2013 
12:00 pm


As of 9:00 a.m. on Monday, February 11, 2013, the Town of Falmouth Emergency Operations Center has closed down formal operations. Town Officials continue to work closely with NSTAR Representatives in power restoration.

Approximately 23% of the Town is yet to have power restored; at the height of the local emergency, due to this winter storm, about 68% of the Town was out of power. Restoration work is ongoing. We anticipate winding down and closing the operation of the Town's local shelter at Falmouth High School later today. We ask residents who remain in need of assistance to call the appropriate Town of Falmouth Department - police, fire, public works or Town Hall. All Town offices are open and operating on a normal business day.

We thank all Falmouth residents and businesses for their extraordinary cooperation and continued patience during this extreme winter storm event as we work on your behalf in returning to normal. We appreciate the dedication and commitment of all Falmouth public safety personnel in responding to this challenging emergency.

Julian M. Suso
Falmouth Town Manager 

The Falmouth Public Library Main Branch is open and will be on regular hours - till 5:30 pm today. 508-457-2555 

Many Falmouth businesses/restaurants have power and are open for business.

Emergency: 911

Police non-emergency number: 508-457-2527

Fire non-emergency number: 508-495-2500

Department of Public Works: 508-457-2543

Town Hall:  508-548-7611

Room Availability

The following businesses have a limited number of vacancies. 

Please call for availability before arriving.

Beach Breeze Inn: 508-548-1765

321 Shore Street
Falmouth , MA 02540 

Captain's Manor Inn: 508-388-7336

 27 Main Street
Falmouth , MA 02540  

Connamessett Inn: (No internet): 508-548-2300

 311 Gifford Street
Falmouth , MA 02540  

Falmouth Inn: 1-800-255-4157

824 Main Street
Falmouth , MA 02540 

Town & Beach Motel (after 2 pm today): 508-548-1380

382 Main Street
Falmouth , MA 02540 

Woods Hole Inn: 508-495-0248

 28 Water Street
Woods Hole , MA 02543

Woods Hole Passage (will take children of all ages): 508-548-9575

186 Woods Hole Road
Falmouth , MA 02540  

 

Eastern Bank, 117 Main St., Falmouth, is offering coffee, donuts, hot chocolate and electronic charging stations.  They also have a small bathroom. 508-548-3001 

Jay Zavala
Falmouth Chamber of Commerce
Local Emergency Planning Committee



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<![CDATA[Low Wind Deductibles Help Cape Cod Residents]]>Mon, 11 Feb 2013 17:38:53 GMThttp://www.calfeeinsurance.com/3/post/2013/02/low-wind-deductibles-help-cape-cod-residents.htmlPicture
UPC Insurance comes to the rescue with low wind deductibles.  

"I'm so glad Calfee Insurance had us switch to a $500 wind deductible.  Last night a tree crashed on my roof from Blizzard Nemo.  If I didn't switch I would have had a 2% wind deductible of $7,000) with MPIUA, Fair Plan.  That would have been $7,000 out of my pocket!"

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800-882-0180

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<![CDATA[Arbella Insurance Employees Do Thriller Dance Routine]]>Thu, 07 Feb 2013 15:42:17 GMThttp://www.calfeeinsurance.com/3/post/2013/02/arbella-insurance-employees-do-thriller-dance-routine.html
Ways to Save on Personal Automobile Insurance
  • New to Arbella? You may be able to save 7%. If you qualify, our Arbella Advantage discount will give you additional savings.

  • Student away? That's 10 percent less you pay! You can cut costs on certain coverages when a household driver with less than 6 years driving experience resides at a college or another accredited educational institution more than 100 miles from where the car is garaged.

  • Energy-saving hybrids or electrics save 10 percent. If you have a hybrid that runs on two or more power sources or an electric-only vehicle, you can drive down costs for certain coverages.

  • Multiple vehicles save 5 percent. Lower your premium 5 percent on certain coverages when you insure more than one auto with Arbella. Insure more than one auto on the same policy and you may save an additional 2 percent on certain coverages - and get the ease of one invoice!

  • Account Credit discount earns up to 10 percent off. Now you may be eligible for savings up to 10 percent off your total premium if you have other personal insurance with Arbella and 5 percent if your personal insurance is with another approved company.

  • Renew and save with our auto loyalty discount. You may be eligible to earn an additional discount off your total auto insurance premium every year you renew with Arbella.

  • Advanced Driver Training earns 5 percent off. New and inexperienced drivers successfully completing both the basic driver training course and the In Control Advanced Driver Training Program, the Driven School of Advanced Driver Training Program or the Stevens Advanced Driver Training Program gain life-saving skills on the road - and a 5 percent discount off certain coverages on their yearly auto insurance premium.

    To find out more about In Control, visit their Web site at www.incontroladt.com or call 1-888-301-Safe (7233).

    To find out more about Stevens Advanced Driver Training, visit their Web site at www.skidschool.us or call 603-296-4094.

    To find out more about Driven School of Advanced Driver Training, visit their Web site at www.driversafetytrainingschool.com or call 413-667-4365.

  • Anti-theft devices save up to 36 percent. Arbella will discount your auto comprehensive coverage insurance premium as much as 36 percent, depending on the anti-theft device in place.

  • Passive restraints cut costs. If your car is equipped with an air bag or automatic seat belts, you can pay less on your Arbella auto insurance.

  • If you drive less, pay less. We have expanded our low mileage discount by adding an additional category to allow more drivers to qualify for a discount. Now with Arbella's Annual Mileage Discount, you may be eligible to save on certain coverages if your annual mileage is less than 10,000 miles a year.
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<![CDATA[Insurance for high-risk properties easier to get on Cape Cod, MA]]>Mon, 28 Jan 2013 21:18:27 GMThttp://www.calfeeinsurance.com/3/post/2013/01/insurance-for-high-risk-properties-easier-to-get-on-cape-cod-ma.htmlPicture
By Todd Wallack |  BOSTON GLOBE STAFF     JANUARY 28, 2013

Competition in the state’s car insurance market has yielded an unexpected benefit: Thousands of residents who once had to buy expensive home coverage from the Massachusetts FAIR Plan are increasingly able to find policies through other insurers, saving them hundreds of dollars a year on premiums.

The FAIR Plan, known as the insurer of last resort, provides home insurance in high-risk areas, including neighborhoods that have high crime rates or sit perilously close to the ocean. Home insurance companies have traditionally been reluctant to do business in such ­locations.

But since the state gave insurers more freedom to set their own auto insurance rates, starting in 2008 — something it calls “managed competition” — 13 more auto insurance companies have set up shop in Massachusetts, with most also selling homeowners policies or partnering with firms that do.

Over that time, the FAIR Plan lost nearly 27,000 homeowners insurance customers, or 16 percent of its base, an exodus few in the industry predicted.


“It is all driven by this shift in the competitive marketplace,” said Robert Tommasino, general counsel for the Massachusetts Property Insurance Underwriting Association, better known as the FAIR Plan.

Some insurers, including Narragansett Bay Insurance Co., also decided the escalating prices of premiums for coastal properties made it worth their while to start selling policies in those locations. Their strategy has been to undercut the FAIR Plan rates while still charging enough to turn a profit.

Bob Inello, whose waterfront home in Nahant is exposed to the wrath of storms, said he was forced to buy Fair Plan coverage for more than a decade. But three years ago, Inello­ said, his agent said he could switch to Narragansett, cutting his bill by $570 a year — more than 20 percent.

“I don’t feel like I am being held hostage anymore,” Inello said. “It’s very liberating.”

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<![CDATA[Hurricane Sandy Photo Slide Show]]>Fri, 02 Nov 2012 14:23:22 GMThttp://www.calfeeinsurance.com/3/post/2012/11/hurricane-sandy-photo-slide-show.html
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<![CDATA[UPC Home Insurance Claims from Hurricane Sandy]]>Fri, 02 Nov 2012 14:13:39 GMThttp://www.calfeeinsurance.com/3/post/2012/11/upc-home-insurance-claims-from-hurricane-sandy.html
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CALL
800-882-0180
News & Events 

***IMPORTANT NEWS*** UPC Insurance will activate its emergency Hotline effective 08:00AM EST on 10/29/12 to assist you in reporting any claims that have occurred as a result of Hurricane Sandy. For the latest information from the National Hurricane Center, click here.

Homeowner's Inventory
Know Your Stuff® – Home Inventory , the Insurance Information Institute's free online home inventory software. 
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<![CDATA[How you’re paid for a partial loss]]>Fri, 12 Oct 2012 14:32:33 GMThttp://www.calfeeinsurance.com/3/post/2012/10/how-youre-paid-for-a-partial-loss.htmlPicture











By Randy Troutman On October 10, 2012 

When discussing insured value and how a boat insurance policy will pay, most people think about a total loss. This is important but the majority of claims are partial losses. Depending on how your policy responds, you could pay several thousand dollars above your deductible.

A boat insurance policy has two different ways to pay in the event of a partial loss. One is to replace the damaged items without deducting for depreciation. The second is to depreciate the damaged items.

Depreciated Value is defined as Replacement Cost less depreciation. Most boat insurance companies use a non-published depreciation schedule that applies to partial losses. For example, the depreciation on a stern drive might be 7% per year, whereas the annual depreciation on canvas might be 15%.

Each insurance company will apply Replacement Cost and Depreciated Value differently. Some boat insurance companies do not provide replacement cost coverage for partial losses. If the boat is insured on this policy form, then no matter the type of loss, the replacement parts are subject to depreciation. If the part costs $2,000 and is subject to 20% depreciation, you would be paid $2,000, less $400 depreciation, less your deductible.

Most boat insurance companies provide replacement cost for partial losses until the boat (or items) reaches a certain age. The age will vary with each insurance company. Once a boat or item reaches that age, all partial losses are settled on an actual cash value basis.

The boat insurance companies that provide replacement cost for partial losses usually name specific items that are subject to depreciation regardless of the age. Canvas, sails, cloth, trailers and plastics are examples of specifically named items. These items generally have a limited life span. They also name specific items that are subject to depreciation based on the item’s age. Outboards, stern drives and internal machinery are examples of items that change from replacement cost to depreciated value when they reach a certain age. Most insurance companies go by the age of the item to deduct depreciation. However, each insurance company has different specifically-named items and different ages which determine whether those items will be on replacement cost or depreciated value.

It’s helpful to know that most companies will apply a reduced depreciation if you agree to replace with a remanufactured unit. A stern drive is a good example of an item that can be replaced with a remanufactured unit. This can save thousands of dollars in depreciation.

Replacement Cost for a partial loss is what you want when available. A depreciated value can cost you several thousand dollars. United Marine Underwriters represents several boat insurance companies and we will be glad to discuss how they apply depreciation.

Below are two examples to help explain how replacement cost vs. depreciated value work.

Example 1 is an 8 year old stern drive boat with a $500 hull deductible that hits a submerged object. The replacement cost to the stern drive is $8000.

Insurance company A provides replacement cost coverage until the stern drive is six years old. They will apply 60% depreciation (7.5% per year) to the $8000 replacement drive and then apply the $500 deductible. Insurance company A will pay $2700 ($8,000 less $4,800 depreciation, less $500 hull deductible).
Insurance company B provides replacement cost coverage until the stern drive is 10 years of age. They will pay $7500 ($8000 less the $500 hull deductible).

Example 2 is a boat with a $500 hull deductible that suffers wind damage to the fly bridge enclosure. The fly bridge enclosure is 2 years old and the replacement cost is $5000.

Insurance company A provides replacement cost until the fly bridge enclosure is three years old. They will pay $4,500 ($5,000 less the $500 hull deductible).

Insurance company B provides replacement cost but specifically names canvas as a depreciated item. Insurance company B will apply 20 percent depreciation to the replacement cost. They will pay $3,500 ($5000 replacement cost, less $1,000 depreciation, less the $500 hull deductible).



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