 Do you have the right amount of property coverage?
This question is an important one to ask each year. Life changes and the passage of time can affect the cost of rebuilding your home or replacing your vehicle. Want to make sure you’d be covered in the case of an unexpected event? Take a quick look at these examples and reach out if you’d like to check in. Auto Coverage Say you’ve been driving since you were 16 and have never needed to file a claim. Then, one day you accidentally hit a pole in a parking lot in a moment of distraction. Even a minor incident like this could end up causing thousands of dollars in damage. If you have collision coverage with a manageable deductible as well as rental car coverage, you’ll most likely end up facing far less financial strain than if you were underinsured. Homeowners Coverage Here’s another example: Imagine that an ongoing lumber shortage has increased homebuilding costs by thousands of dollars. If a natural disaster were to severely damage your home, you want to make sure your policy would cover the rebuilding costs no matter what. Upcoming or Recent Changes Remember, life events like getting married, moving, gaining or losing income, and when a teen starts driving can all affect your coverage needs and options. Knowing you have the right policy can help bring peace of mind as well as better financial security. As 2021 gets going, reach out to make sure you’re adequately covered this year.
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 It’s no surprise that this year’s top home trends are all about practicality and comfort. And while you’ve probably already taken steps to improve your space over the last few months, there could be a few more ways to make the most of your property. Whether you have safety in mind or you’d like some design inspiration, take a look at the most exciting home trends for 2021: Colors and Moods Did you see Pantone’s color of the year for 2021? It’s actually two colors: Ultimate Gray and Illuminating (a vibrant yellow) are together described as “a marriage of color conveying a message of strength and hopefulness.” And speaking of warm and comforting, natural wood is also on the rise. When it comes to design, 2021 is all about mixing traditional and modern for a cozy feel. Connecting With Nature Feeling cooped up at home has motivated people to get closer to nature. You can tap into this trend by buying indoor plants, adding earth tones to your living room, freshening up any outdoor space you have, or going big with a brand new deck, porch or landscaping project. Smart Features for Health and Safety Smart and wellness-oriented features such as touchless faucets and flushers, motion sensor lighting, bidets and heated floors will continue to be in demand this year. Distinct Spaces This trend began a few months ago and will unsurprisingly continue in 2021. Both homeowners and homebuyers want separate rooms for work, Zoom, play, exercise, intergenerational living and more. Accomplishing this can be as simple as buying room dividers. Or, you can go big and renovate an existing open floor plan or add a new room or wing to your house. Do you have questions about how a home update will affect your coverage? Just need to check in? Reach out anytime.  If you're looking to sell your home — and get top-dollar for it — staging the property can help you do it.
Put simply, staging means preparing the home for a potential buyer — or "setting the stage," if you will. It involves redecorating, rearranging furniture, cleaning and other aesthetic strategies to present the home in the best possible light. The goal is to make the home as appealing as possible to the most potential buyers. Benefits of Home Staging Home staging comes with many benefits. For one, it can make it easier for potential buyers to envision themselves in the home. It provides a clean palette of sorts — one without clutter, personal photographs and other items that might turn off a buyer or make it hard to imagine themselves living on the property. According to a study from the National Association of REALTORS© (NAR), 77 percent of buyers say it's easier to visualize a staged property as a future home.1 Staging also makes a home look more "move-in ready" — meaning that it doesn't seem to need a lot of work or repair before a new buyer could move in. Seventy-one percent of buyers are looking for a move-in ready home.2 Staging could help give that impression, which could be a nice advantage for you in successfully selling your home. Finally, staging a home makes it easier to market. It looks better in listing photos (which can play a big role in today's home-shopping process), and it is also more eye-catching when shared on social media, printed on flyers and displayed in other visual marketing mediums. As a result, staged homes typically sell faster. According to NAR, 62 percent of agents say staging has an impact on a home's time on the market.3 Options for Home Staging You have a few options when looking to stage your home. You can choose to do the process yourself (DIY); you can look to your real estate agent for help; or you can bring in a professional staging company to do the work on your behalf. In some cases, you could also do a combination of these options.
Though these pros do come at a fee, they typically do the work for you. They will evaluate your home's current condition, make recommendations on how to improve its overall appeal to potential buyers and marketability, and then put those suggestions into action by rearranging the furniture, bringing in new décor or helping you declutter. Often, stagers have a large inventory of furniture, décor, artwork and other items they can pull from to help your home look its best. Just be aware that using a stager's inventory may come with an extra fee, so be sure to ask about that. Travelers Insurance allows you to customize your coverage to fit your unique needs. We focus on understanding you, so you'll feel right at home working with us. How Much Does It Cost to Stage a House? According to the National Association of Realtors, the median cost of home staging is $675.4 These costs vary, though, and depend on several factors, including the size, location and price of the home, the exact type of staging services you're looking for, and whether you need additional furniture, décor or other items in your staging efforts. Some agents recommend spending between 1 to 3 percent of your home's listing price on staging. If you're staging your home yourself, you'll want to consider the costs of things like:
Is Home Staging Worth it? From a financial standpoint, staging can add measurable selling appeal to a home. According to NAR, nearly a third of real estate agents say staging increases the dollar value offered by buyers, in comparison to similar homes, by 1 to 5 percent. Another 21 percent of agents say it increased the dollar value of the home between 6 and 10 percent.5 To determine if staging a house is worth it, you'll want to consider a few things, including:
If you're ever unsure of whether staging is in your best interest, consider speaking to a local real estate agent. They can help assess your property as well as make recommendations based on the market and preferences of local buyers. Selling your home is an important life moment. Why not also take it as an opportunity to review your homeowners coverage? Learn more about Travelers’ innovative suite of homeowners insurance products.  Find Out the Benefits of an Annual Check-In
Do you have the right amount of property coverage? This question is an important one to ask each year. Life changes and the passage of time can affect the cost of rebuilding your home or replacing your vehicle. Want to make sure you’d be covered in the case of an unexpected event? Take a quick look at these examples and reach out if you’d like to check in. Auto Coverage Say you’ve been driving since you were 16 and have never needed to file a claim. Then, one day you accidentally hit a pole in a parking lot in a moment of distraction. Even a minor incident like this could end up causing thousands of dollars in damage. If you have collision coverage with a manageable deductible as well as rental car coverage, you’ll most likely end up facing far less financial strain than if you were underinsured. Homeowners Coverage Here’s another example: Imagine that an ongoing lumber shortage has increased homebuilding costs by thousands of dollars. If a natural disaster were to severely damage your home, you want to make sure your policy would cover the rebuilding costs no matter what. Upcoming or Recent Changes Remember, life events like getting married, moving, gaining or losing income, and when a teen starts driving can all affect your coverage needs and options. Knowing you have the right policy can help bring peace of mind as well as better financial security. As 2021 gets going, reach out to make sure you’re adequately covered this year.  Do you know where most home fires start?
If you guessed the kitchen, you’re right. One of the most popular rooms in the house also has the potential for danger. But a few simple habits can help prevent damaging fires from ever starting in the first place. To find a little more peace of mind this season, here are four ways to make your home safer. 1. Don’t walk away from an active stove. Unattended cooking is a leading cause of kitchen fires. If you need to leave while frying, grilling or broiling, make sure to turn your stove off first. It’s easy to lose track of time when you step away to answer the door or check on the kids, and it doesn’t take long for trouble to start. 2. Keep clutter under control. It’s not uncommon for kitchen counters to get loaded up with stuff. Make it a priority to clear your kitchen countertops of anything flammable, such as wooden utensils, papers and dish towels, especially around the stove. 3. Use space heaters, fireplaces and woodburning stoves safely. If you use a space heater during colder months, consider replacing older models with one designed to turn off if it tips over. Position space heaters with a 3-foot distance from everything else and always turn them off before you leave the house or go to sleep. If your home has a fireplace or wood-burning stove, have it inspected annually by a professional. Use a mesh screen to keep sparks inside the fireplace. 4. Practice candle safety. As with a stove, a lit candle is an active fire that you shouldn’t leave unattended. Blow out candles before leaving a room and keep burning candles on level surfaces and away from flammable objects, young children and pets. Have questions about your insurance coverage? Reach out and we’ll be happy to help.  How to Budget for Home Improvements
Your home has probably been through a lot this year. Between normal wear and tear and the extra hours spent at home these last few months, you may find yourself in need of an upgrade or repair sometime soon. Some projects can’t wait, but if you have time to save, here are a few strategies to help you manage that add-on, appliance replacement, or whatever else your property might need in 2021. 5 Tips for Managing Your Project 1. Compare Estimates Gather estimates from a few reputable contractors and compare them. Calculate the average cost of your project and plan your budget around that number. 2. Create a Sinking Fund Banks love to advertise home equity loans and lines of credit. However, financing your home improvement means paying interest, which raises the total cost of the project. If it can wait, try to save up first by creating a sinking fund: Set aside a certain amount each month so you know you’ll reach your goal within six months or a year. 3. If You Need to Finance, Do It Wisely Send me a Home Insurance Quote Cape Cod Massachusetts -Some projects, such as a leaky roof or broken furnace, can’t wait. If you need to finance, look for the lowest interest rate and don’t treat the loan like “free money.” Spend only what you have to and then make a plan to pay the loan back early if possible. 4. Prepare for Surprises Even when you do everything right, construction projects and remodels are notorious for going over budget. Leave a cushion in your budget for last-minute surprises so you won’t have to go into debt or pull from other areas. 5. Check Your Coverage Of course, preparing for surprises and avoiding unnecessary expenses also means having adequate homeowners insurance in place. If you're unsure about your coverage or want to review your current policy, reach out with your questions anytime.  The juggle of work and home life has taken a different form for those of us who are practicing social distancing recommended by the Centers for Disease Control (CDC) during the coronavirus (COVID-19) pandemic. For working parents of school-age children, this means finding ways to keep children safely occupied while performing their job responsibilities, as they work from home (WFH). Here are six key tips: 1. Expect Changes in Your Work Schedule By now, you may have noticed that your typical workday schedule is no longer typical. Younger children will require more hands-on help in getting their day started, while teenagers can be more independent and may even be helpful in managing household tasks while you work. The blending of family and working from home is an opportunity to teach responsibility, even in small doses, so you can tend to the work assignments on your plate. 2. Help Your Kids Establish a New Routine To differentiate work and playtime, help kids set their own routine. If they’re working on school assignments, having them sit down at the same time each day can help provide structure during this uncertain time. Let them know that you’ll be available for help and set aside specific times for fun activities you can do together. 3. Double-Check Home Safety Measures If your younger children will be out of your sight at home while you’re working, make sure you’ve taken steps to childproof your home to prevent accidents. After cleaning your home, be sure to store cleaning supplies out of reach of young children. If you have a home security system, set up a notification to alert you when a door or window is opened. You’ll also want to take care of yourself by making sure your home office is comfortable and organized in a way that helps limit potential problems, such as overuse injuries. 4. Reset Your Expectations Working from home with kids may impact your ability to focus, particularly in uncertain scenarios like the COVID-19 pandemic. Give yourself permission to adapt your work style, realizing that it may take you twice as long to compile a report or finish a project. Working from home means family needs are perhaps just a room away. Strive for balance by arranging your days to fit in all the important tasks you must attend to for both your family and your job. If you can take a break on a beautiful day, get out in the yard with your kids. You’ll appreciate the moments of escape spent with your family. 5. Stock Up on Fun and Games While you’re searching online for paper goods or hand sanitizer, add a few art kits or video games to your shopping cart. Now may even be the time to purchase that new gaming system you planned to buy as a special gift. Set parameters around screen time, but realize there may be instances where a little extra play is okay if your kids are having fun and you’re on the verge of completing a task for work. You may also want to stock up on craft supplies that can come in handy when you need a quick, easy distraction for your kids in order to give you the time you need to meet an impending work deadline. 6. Trust Your Parental Instincts You know your kids better than anyone. If they’re struggling to adapt to this new situation, they may require more of your attention right now. This means you may need to find ways to shift around work responsibilities. If you have a partner who is also working from home, maybe you can agree to trade off child care duties to ensure that your family’s needs are being met. Right now, your main priority could be just making it through the day and keeping your family healthy. But, it’s also important to work and provide for your family’s financial needs. Communicate with your co-workers and managers as you adjust your work-life balance. Consider Whether Your Insurance Needs Have Changed If you’re moving to a home-based business or using office equipment at home, you’ll need to understand how this fits into your homeowners policy. If you have any questions or concerns, don’t hesitate to contact your insurance agent.  When an unexpected natural disaster or state or local emergency interrupts your plans to start house hunting, all is not lost. While opportunities to get preapproved for a mortgage, meet with a real estate agent or tour homes for sale may be on the back burner, there are still ways you can work toward buying your dream home.
Why Making the Move Now May Be Right for You House hunting during a time when your area or region is shut down can have its benefits. There may be less competition for the houses in the areas where you might be planning to move, and sellers may be more motivated to sell or more flexible on price. Starting your hunt virtually while sheltering in place can be beneficial if you find you have the time to shop online more thoroughly; that extra effort may give you an advantage in finding a home you love within your price range. Once the crisis passes, there may be more house hunters back on the market and prices may escalate due to a more competitive market that benefits sellers rather than buyers, so taking a few steps forward now could be the right move for you. Get Preapproved for a Mortgage When you eventually find the home of your dreams, you will want the seller to see you as a serious buyer. To do that, get a mortgage preapproval before you begin house hunting. It may be possible to get preapproved online, so consider looking into that option. Mortgage preapproval is a letter from a lender that indicates how much you are qualified to borrow from the lender, at a specific interest rate. While it may not be possible to meet with a lender when an emergency situation exists, such as the coronavirus pandemic, you can get your information organized that will help your lender prepare your mortgage preapproval.
Use This Time to Research the Market If you are just beginning to look for a home, take time to research the areas where you want to move, the area’s home values and the average selling prices for the type of home you are interested in purchasing. Familiarize yourself with real estate terms and listing abbreviations so you can easily browse listings and focus on the features that most interest you. Finally, ask friends and family for realtor recommendations and check out their credentials and online reviews. Make a short list of real estate agent candidates to interview once you are able to set up interview times. Virtual Home Viewing If you were all set to start house hunting only to be disrupted by a natural disaster, state or regional mandates, or even the COVID-19 pandemic, take heart: You can still view houses on the market right from your own home, whenever it is convenient for you. Many real estate agents post virtual tours of properties for sale on their websites and YouTube. When you take a virtual tour or attend a virtual open house, you can get a realistic view of the property. Then, with a click of the mouse, you can see all the details that are important to you. In addition, by touring homes virtually, you can see many more than would be possible in a single day with your real estate agent. Find a Representative Even during these challenging times, there is still much you can accomplish in your quest to find your dream home. If you’re planning to buy a house, you’ll need home insurance. Call Calfee Insurance today for a free quote at 508-540-2601.  With the ongoing COVID-19 pandemic, it is crucial to review and update policies for cleaning and disinfecting your facility, equipment and vehicles. It is recommended that you increase the frequency of cleaning and disinfecting high-touch surfaces, which may include door pushes, handles, touchpads, elevator buttons, faucets, sinks and electronic devices, as well as common areas, such as entryways, lobbies, hallways and restrooms. The Centers for Disease Control and Prevention (CDC) offers steps for properly cleaning and disinfecting facilities. If infected persons have been in your facility, the CDC provides additional considerations:
How to Clean and Disinfect Hard (Non-porous) Surfaces Non-porous surfaces should be cleaned using a detergent or soap and water prior to disinfection.
Porous Surfaces When cleaning and disinfecting soft (porous) surfaces like carpets, drapes and other woven fabrics, first clean these surfaces with soap and water or other suitable cleaners. Avoid shaking drapes to make sure you do not make the virus airborne. Then, if possible, launder these items following the manufacturer’s directions. When laundering items, use the warmest water setting appropriate for the items and dry completely. Otherwise, use EPA-registered disinfectants for SARS-CoV-2 for porous surfaces. Electronics Clean and disinfect electronics regularly, especially if they have been used by an infected person. Electronic devices may include cell phones, tablets, touchscreens, keyboards, remote controls and ATMs. Remember to focus on frequently touched surfaces. When cleaning and disinfecting electronics – both shared and personal – follow the manufacturer’s instructions on appropriate products to use. If there are no cleaning and disinfecting guidelines provided by the manufacturer, consider using disinfectant products such as wipes or sprays with at least 70 percent alcohol. Non-Emergency Vehicles Develop and consistently follow cleaning and disinfection procedures for vehicles, with a focus on commonly touched surfaces. Conduct these procedures at the beginning and end of each driver’s shift. Maintain adequate ventilation of the vehicle while cleaning and disinfecting. Refer to the sections on PPE and hand hygiene below.
Hand Hygiene Wash or sanitize hands immediately after cleaning and disinfecting, removing gloves or other PPE, or coming into contact with an infected person. To thoroughly wash hands, use soap and water for 20 seconds. When washing hands is not possible, and as long as hands are not visibly dirty, use an alcohol-based hand sanitizer made of at least 60 percent alcohol. Other key times to clean hands are after coughing, sneezing, blowing your nose or using the restroom; prior to preparing food or eating; or after public visits or interactions. Personal Protective Equipment (PPE) It is important to develop and implement procedures and policies that address the use of PPE.
 When was the last time you considered the air quality in your home? It’s easy to forget about something invisible, but like many around-the-house tasks, clearing the air is well worth your effort. In the interest of health, safety and keeping your home in good shape, here are a few steps you can take to help your family breathe a little easier. 1. Test for radon gas and install carbon monoxide detectors. You can’t see, taste or smell radon and carbon monoxide, but these indoor gases can be dangerous to your health and safety if left undetected.
2. Run an air purifier to clear allergens and pollutants. Improve your indoor air quality by filtering out pollen, dust, pet hair and other irritants. If anyone in your household becomes sick with COVID-19, running an air purifier in their quarantine room may provide some protection from floating virus particles. HEPA air purifiers can also help remove smoke particulates during wildfires. 3. Use a dehumidifier. Is your home prone to dampness? Keep your humidity level under 50% to prevent mold growth. Run a dehumidifier (and clean it regularly) as well as the exhaust fan in your bathroom(s) after every shower. 4. Follow these daily best practices. In addition to testing and equipment purchases, these simple habits can help maintain your indoor air quality:
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands. A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage. Need Home Insurance? Easy, Fast, & Secure Home Insurance. Get Free Quotes 100% Online Now! Available 24/7. Affordable Rates. Cover Your Biggest Investments. Get a homeowners insurance quote, find coverage options. We'll help you understand and customize the right home insurance coverage for you.
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Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport. Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family.
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage. Need Home Insurance? Easy, Fast, & Secure Home Insurance. Get Free Quotes 100% Online Now! Available 24/7. Affordable Rates. Cover Your Biggest Investments. Get a homeowners insurance quote, find coverage options. We'll help you understand and customize the right home insurance coverage for you.
Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote.
Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport. Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family.
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