Massachusetts Insurance Agent - Home, Auto, Business
  • HOME
    • Send me a Home Insurance Quote Cape Cod Massachusetts - >
      • Thank You! Home Insurance Rates Are On Their Way!
    • FLOOD Insurance >
      • Pay Your Bill Online
      • Videos - Cape Cod Home Insurance
    • Cape Cod Real Estate
    • Pay Your Home Insurance Bill Online
    • Ordinance or Law Coverage
    • How to Prevent a Claim on your Home Insurance Policy
    • Videos - Cape Cod Real Estate Tips >
      • Videos - How to Qualify a Tenant for your Cape Cod Home >
        • Videos - Cape Cod Real Estate Investing
    • Cape Cod Massachusetts Arbella Insurance Discounts
    • Cape Cod Massachusetts Lloyds of London Home Insurance
    • Safety Insurance Discounts for Cape Cod, Massachusetts
    • MPIUA - MA Property Insurance Underwriting Association "Fair Plan"
    • Cape Cod Massachusetts Home Protection Insurance
    • Hurricane Preparedness >
      • Cape Cod Massachusetts Hurricane Survival >
        • Cape Cod Massachusetts Hurricane Preparedness
  • AUTO
    • Send me an Auto Insurance Quote for Cape Cod, Massachusetts
    • BOAT Insurance >
      • Send me a Boat Quote
    • Cape Cod, MA Dept. of Motor Vehicles
    • Cape Cod Massachusetts - Report an Auto Insurance Claim
    • Cape Cod Massachusetts Videos - CAR BUYING TIPS : Auto Insurance for Cape Cod, MA
    • InControl Driver Training
    • Car Insurance for Cape Cod Massachusetts - Arbella Insurance - Send me an Auto Quote >
      • Cape Cod Massachusetts Arbella Car Insurance Discounts
    • Plymouth Rock - Send me an Auto Quote >
      • Plymouth Rock Asurance Discounts
    • Encompass Insurance Discounts
    • Safety Insurance - Send me an Auto Quote >
      • Safety Insurance Discounts
    • Travelers Insurance Discounts
    • Progressive Insurance - Send me an Auto Quote
  • LIFE
    • Send me a Life Quote
    • Long Term Care >
      • Videos - Living Trust >
        • Videos - Life Insurance
  • OFFICES
    • Pay Your Bill Online
  • ABOUT US
    • Reviews & Testimonials
    • Contact Us
  • Stay Home
    • Pay Your Bill Online
    • Report an Insurance Claim
    • Send me a Home Quote
    • Send me an Auto Quote
    • Send me a Boat Quote
    • Send me a Business Quote
    • Send me a Life Quote
  • Home Insurance News
  • Agent Login
  • Privacy Policy
  • Videos - Cape Cod Real Estate Investing, Taxes & Insurance
  • Videos - Cape Cod Coastal Real Estate
  • Português

Take a Look at 2021's Top Home Trends

2/9/2021

0 Comments

 
Picture

​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. 

free quotes
0 Comments

What Is Home Staging and What Does It Cost?

2/2/2021

0 Comments

 
Picture
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.
  • DIY: If you're confident in your abilities to design and present the property, or you simply want to save some cash, doing your home staging yourself can be a good option. Things you might want to consider include: repainting and touching up the walls, rearranging your furniture, adding new throw pillows, removing any personal photos or décor and adding warm touches like fresh flowers.
  • Your Real Estate Agent: Many real estate agents believe strongly in staging's ability to improve a home sale. As a result, they will help their clients prepare and stage the home before photographing it, listing it or beginning to market it. While some might only provide recommendations for how sellers can stage the home themselves, other agents will get hands-on in the process. They may even have a collection of décor items they can share with you to spruce up the property.
  • Professional Stagers: If you're looking for a more hands-off way to stage your home, you can opt for a professional stager or staging company. These are experts in the field who often have interior decorating, design or even real estate experience that can work in your favor.

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:
  1. Paint and home repair supplies.
  2. Storage units and organizers, if you'll be decluttering.
  3. New furniture and décor.
  4. Floral arrangements.
  5. Cleaning supplies.
Consider shopping at thrift stores or second-hand shops for any new décor or furnishings you might need. You might also want to focus your staging efforts on only a few rooms — higher impact areas like the living area, the kitchen and the master bedroom.

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:
  1. The cost of staging it (either professionally or on your own).
  2. The value it could add to your property.
  3. How quickly you're hoping to sell the home.
  4. How competitive the local market is for sellers.
Home staging may increase the likelihood that you'll sell your property and do so quickly, and for top-dollar. If you're on a tight timeline or looking to boost your profits on the sale, home staging can certainly help. It also can be beneficial if your market is particularly competitive for sellers by ensuring your home is memorable, beautiful and stands out from the rest.

​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.
free home quotes
0 Comments

When Is the Best Time to Get a Mortgage?

1/14/2020

0 Comments

 
Picture
When Is the Best Time to Get a Mortgage?

Your ability to land a great mortgage will determine if now is the time to purchase a home.

THERE IS NO SINGLE TIME that is best when it comes to buying a home. Rather, your individual circumstances help determine when the time is right. Most crucially, having your credit in order is the best way to get a great home loan that will make a home purchase affordable.

What Are Closing Costs?

The vast majority of homebuyers require a mortgage. A 2018 report from the National Association of Realtors found that 88% of recent homebuyers financed their purchase. Here's what you should do to make yourself a more attractive borrower:

  • Work on your credit score.
  • Maintain consistent income.
  • Build your down payment and savings.
  • Manage overall debt.
  • Consider taxes.
  • Consider whether homeownership is right for you.

 Is Your Credit Score Ready?

To qualify for a great home loan at the lowest mortgage rates, you need a solid credit score. Most lenders use your FICO score when determining how risky it is to lend to you.

FICO scores range from 300 to 850, and higher scores can help you get the best mortgage rate offers.
Joanne Gaskin, vice president of scores and analytics at FICO, says knowing your FICO score should be the first step in shopping for the right home loan. While you can pay to access your credit score, many banks, credit card issuers and other institutions now offer free access to your score as a perk.

"Be empowered and understand what your score is before you go in and start the application process," she says. "Because that way, you'll have a better sense of what you'll qualify for."

For example, if you learn your score is low, you might want to "take some time to work on your score before you start applying" for mortgages, Gaskin says.

Greg Plechner, a Paramus, New Jersey-based partner and senior financial advisor at Greenspring Advisors, recommends prospective homebuyers have a credit score of at least 620.

With this score, you can likely qualify for a conventional home loan. Note a 620 FICO credit score falls within the fair range. You don't necessarily need to have good or excellent credit to qualify for a mortgage, though it does help in obtaining the best terms.

Can You Demonstrate Stable Income?

The typical home loan is 15 or 30 years, so your long-term income potential matters. Lenders are likely to consider your current income and look for indications that it will continue.

"Is your income predictable and growing?" Plechner asks. "Do you have at least two years of employment with the same company?"

Having consistent employment at jobs that issued W-2 tax forms could help pave the way for approval, but it isn't a requirement. Self-employed borrowers are typically held to the same standards as employees and should expect lenders to require at least two years of stable income.

Have You Saved Enough?

Having enough savings is also crucial to successfully buying and maintaining a home.

Plechner recommends prospective homebuyers have enough savings to make a 20% down payment. With a 20% down payment, you can avoid private mortgage insurance and may qualify for better rates than a similar borrower with a lower down payment.

But be careful not to wipe out your savings for a down payment. You could lose your job or go through another life-altering experience that makes it difficult to keep up with mortgage payments. A savings buffer can help you maintain your loan until you get back on your feet.

Plechner recommends having cash reserves of at least 1% to 3% of a home's value. "Another approach is six to nine months of living expenses in cash," he says.

Also consider savings to manage ongoing costs. Clarissa Hobson, certified financial planner and director of financial planning at Carnick & Kubik Personal Wealth Advisors in Denver, says homeowners should prepare to spend about 1% of their home's value per year on routine home maintenance projects.

How Is Your Overall Debt?

Lenders will consider any other debt obligations you have when approving your home loan. This factor is known as your debt-to-income ratio, and it measures the total of all your monthly debt payments divided by your gross monthly income.

Lenders may be less willing to give you a conventional mortgage if your debt-to-income ratio exceeds 43%. In that case, it might make sense to delay a home purchase for a little while as you work on paying off debt and lowering the ratio.

"It is helpful to pay off other debts – particularly high-interest debt such as credit cards – prior to obtaining a mortgage," Hobson says.

Paying off other debts, such as auto loan and student loan obligations, before you pursue a mortgage is also smart, Hobson says. "Go after the highest-interest-rate debt first, and then pursue the others," she says.
Plechner says if you are having trouble paying down debts, you may need to find – or create – other sources of cash so you can whittle down your debt before you consider buying a home.

"Increase your income," he says. "Ask for a raise at work. Take on a part-time job, or freelance."

Factor in Taxes

Recent changes to tax laws mean that for some people, the cost of financing a home might be higher than it would have been in the past.

For example, the Tax Cuts and Jobs Act of 2017 roughly doubled the standard deduction that taxpayers can take on their tax returns. As a result, fewer homeowners now have the financial incentive to itemize their deductions on their tax return. And if you do not itemize, you cannot deduct mortgage interest or property tax payments.

In addition, you can only deduct new interest on up to the first $750,000 of your mortgage debt.

Plechner says these changes will "undoubtedly increase the after-tax cost of homeownership" in states with high property and income taxes. He adds that taxpayers with large mortgages and high property taxes likely will realize a lower return on their home investment going forward.

Is Homeownership Right for You?

A mortgage is a major commitment and shouldn't be entered into lightly. Ask a few additional questions before deciding whether it's a good time to buy.

Hobson says homeowners should start by considering how long they plan to stay in the new home. "If it's less than five years, they may want to consider renting instead," she says.

Closing costs can easily add several thousand dollars to your home buying costs. If you're not planning to live in the home very long, you might not recoup those costs.
​
You also might need to pour money into making fixes – both minor and major – after you purchase the home. And there is no guarantee that home values will not decline at some point, as they have in the past.
Taken together, these factors are important to consider as you make your decision

Click here to get a home insurance quote
0 Comments

Want to reduce your environmental impact (and save money, too)? Consider these ideas:

12/10/2019

0 Comments

 
Picture
Click  here for affordable home insurance
Transportation is now the largest source of carbon emissions in the United States. In many U.S. cities and towns, the personal automobile is the single greatest polluter because emissions from millions of vehicles on the road add up. To reduce greenhouse gas emissions, individuals can use cleaner modes of transportation to get around, from public transit to biking and walking.

DrivingModern transportation relies heavily on petroleum, and passenger cars and light-duty trucks (i.e. sport vehicles, pickup trucks and minivans) contribute half of the carbon dioxide emissions from the U.S. transportation sector. Burning one gallon of gasoline creates about 20 pounds of CO2—which means the average vehicle creates roughly 6 to 9 tons of CO2 each year.

It turns out that we can do a lot to reduce the impacts of driving, starting with the type of car we drive. Over the average lifetime of an American car, a 30-mpg car will save roughly $3,000 in fuel costs compared with a 20-mpg car. When buying your next car, pick the least-polluting, most efficient vehicle that meets your needs. Just switching from a vehicle that gets 20-mpg to a vehicle that gets 25-mpg car reduces your greenhouse gas emissions by 1.7 tons annually. Check out the Environmental Protection Agency’s Green Vehicle Guide and the Department of Energy’s Fuel Economy website and Model Year 2017 guide for information about the emissions and fuel economy performance of different vehicles.

Electric vehiclesElectric vehicles (EVs) offer a low-carbon alternative to gasoline-powered vehicles. Both the private and the public sectors are working to reduce barriers and expand EV sales worldwide. Automakers are competing to reduce battery costs (which make up most of an EV’s additional cost), increase battery range, and offer a wider range of affordable EV styles, including SUVs and minivans.

EV adoption varies by country, region, and city, but innovative public policies are encouraging people to purchase the vehicles. For example, California allows EV drivers to use HOV lanes even if they are driving alone. In Portland, Oregon, an extensive public charging network may have helped spur all-electric vehicles sales to three times the average U.S. all-electric vehicle uptake rate.

An EV can reduce your carbon footprint and save you money over the lifetime of the vehicle. Some EV questions to consider:
  • What are your needs? Consider how currently available EV models will fit your specific purposes, such as towing cargo or taking road trips. More diverse models planned for production in the next few years may also fit those purposes.
  • What are your typical travel needs? Compare your daily commute mileage with EV battery ranges. Since most daily drives range between 26-32 miles daily, an EV will likely work well. A plug-in hybrid electric vehicle may be appropriate if you regularly take longer trips, but you will still need a place to charge your vehicle.
  • Where can you charge your EV? Most charging takes place at home or the workplace. Consider what you might need to charge at either location, and include any potential costs. Public charging may also work if it is conveniently located.
  • Where can you find reliable information? PlugInCars maintains a section on consumer considerations for EVs. Consumer Reports includes popular EV models and performance reviews.
  • Curious to know which EV fits your lifestyle? Sierra Club’s Pick a Plug-in quiz can help you figure out which plug-in electric vehicles, if any, might work for you.

Eco-driving
Optimal driving techniques can also help you cut emissions and save money in a gasoline-powered car. Hard acceleration and braking can waste fuel and lower your mileage by 33 percent on the highway and 5 percent around town, according to the Department of Energy (DOE). DOE studies show that for every 5 miles per hour you drive over 60 miles per hour, fuel economy is lowered by 7 percent, so go easy on the brakes and gas pedal. You can also lower impacts by reducing time spent idling, and using overdrive and cruise control. And because a properly-maintained vehicle can improve your gas mileage and fuel economy by 4 percent, remember to have your vehicle tuned up, tires inflated, and oil and air filter cleaned out regularly.
0 Comments

Cape Cod Cheap Home Insurance - A Few Tips To Save Money

3/14/2017

0 Comments

 
Picture
Cheap Home Insurance - A Few Tips To Save Money
​Is there such a thing as cheap Cape Cod home insurance? There may be a better question. Is home insurance really that expensive? Homeowner’s insurance may very well be the consumer’s best buy when it comes to insurance. There are multiple benefits and features that make the home policy unique. Most everything that the homeowner owns including the dwelling can be covered in some way by homeowner’s insurance. When you think of the magnitude of the coverage afforded by homeowner’s insurance versus the premium paid then you would have to agree that homeowner’s insurance is a very good buy. The rates on property insurance in general, have increased over the last ten years. Much of that has to with increased catastrophes like the hurricanes in Florida. The toxic mold problem that originated out west has also caused premiums to increase on a national basis. The home insurance buyer really needs to focus on a few areas to get the most for the premium dollars paid.

Accurate Dwelling Amount – This is the first most critical decision that you will make. The square footage of your dwelling has to be correct in establishing the replacement value of your home. The market value is of little use to you when you purchase insurance to rebuild the structure. Replacement cost is better for homes that have been built within the last 40 years. Check with your insurance company underwriting guidelines.

Replacement Cost or Actual Cash Value – This facet of your home insurance policy should be clearly understood. Replacement cost insurance on both your dwelling and its contents means that the insurance company will rebuild or replace your loss with like kind and quality. Actual Cash Value will calculate the replacement cost and then subtract for depreciation. The actual cash value policy is cheaper but you will have to come up with the depreciable amount out of your own pocket.

Deductible – Higher deductibles bring your premium down substantially. $500 to $1000 deductibles are common. This is a huge savings to you over the years and is your most valuable tool in lowering the cost.


Click HERE for a FREE Home Insurance Quote
0 Comments

Best Home Owners Insurance - What To Look For When You Want A Lower Rate

3/6/2017

0 Comments

 
Picture
Best Home Owners Insurance - What To Look For When You Want A Lower Rate
​What is the best homeowners insurance for you? The answer is probably not that obvious to you because most of us have not taken the time to understand our homeowner’s insurance. We would much rather turn that responsibility over to the insurance professionals. There is nothing wrong with that approach but it still leaves you a little bit too uninvolved over a very important insurance purchase. People have a natural fear of the unknown. We like to steer clear of things that are unfamiliar to us. Our insurance is often one of those things that we would rather just avoid. That may come in part from the old days when insurance was purchased under pressure from the insurance agent. That method of sales has just about vanished in property and casualty insurance. People willingly contact agencies about policies and coverage. The agent is more like a consultant these days. The best homeowners insurance is usually purchased when we ourselves have a better understanding of our policy and how we want to be serviced. The insurance atmosphere is much more professional and there are more ways to purchase insurance. Purchasing online or by telephone is becoming as common as purchasing from the local agent.

The homeowner’s policy itself has a couple of integral features and benefits to consider. Buying replacement cost insurance verses actual cash value insurance is one of your most important decisions. Replacement cost homeowner’s policies settle any loss by replacing or repairing your dwelling and its contents with like kind and quality without depreciation. Actual cash value allows for depreciation and expects you to make up the difference as an out of pocket expense. 

The most important cost savings decision that you will make is the size of the deductible. It makes sense to have as high a deductible as possible on your home policy because of the infrequency of claims.

The best homeowner’s insurance for you revolves around how you want to do business, whether to purchase replacement cost or actual cash value, and the size of your deductible. These three areas will lead you in the right direction.
Click HERE for a FREE Home Insurance Quote
0 Comments

Are Your Cape Cod, Massachusetts MPIUA Home Insurance Premiums Constantly Rising?

2/28/2017

0 Comments

 
Picture
Are Your Home Insurance Premiums Constantly Rising?
​Last year the average premium for Buildings Insurance increased by 5% and the average for Contents Insurance rose up 12%. But within the market we've seen some much bigger rises – if you're with MPIUA - Massachusetts Property Underwriting Association, you'll have seen your premium rise by around 20%. 

So what's going on? Every year we see premiums rising. Surely with so much competition in the home insurance market, you wouldn't expect to see such inexorable rises in premiums? 

Let's consider the situation more carefully. 

The cost of repairing and rebuilding houses is a reflection of the rising price of labour and building materials. This means that cost to the insurers of claims under the buildings cover similarly rises. So as their costs rise, so do your premiums. And there's also the indisputable fact that cost inflation also affects the insurance companies own operating costs. Wherever possible, they're bound to add a little extra on for that! 

Then there's that lovely British weather. Michael Fish could be forgiven for believing we don't live in a hurricane zone, but nevertheless it's a fact that storms, and especially floods, are becoming ever more frequent. Flood damage can be particularly destructive with, according to the Association of British Insurers. And during the last 18 months we have seen particularly destructive floods create headline news at Helmsley in North Yorkshire, Carlisle, and Boscastle in Cornwall. Those events must have cost the insurance companies multi-millions. 

The other area where costs have been rising is burglary. There seem to be two reasons – firstly burglars are finding pickings easier to come by and move on. Modern family homes are packed with valuable electronic gismos – from laptops to I pods, digital cameras and flat screen TV's. The other reason is that burglars are targeting well-off neighborhoods more and more. 


Against this background the insurance companies are able to price home and contents insurance down to individual postcodes. If their records show a problem with flooding, or subsidence, or an increasing incidence of burglary in you immediate area, their computers will load your premium to reflect the additional risk. 

Your no-claims discount will only serve to offset these upward pressures to a certain extent. And don't forget that once you have a five years no-claims record, your discount doesn't increase, it's capped. Thereafter, all the premium increases will land fully in your lap. 

So what can you do to save money? 

The most important step by far, is to shop around every year for the best available deal. Maybe it's a chore, but thirty or forty minutes on the Internet (including ten minutes on this web site!) will yield you results. Within that space of time you'll have found the cheapest insurer and, as an online customer, you'll probably have qualified for an additional 10% discount. Then you can always agree to pay by direct debit – that'll also trim off a bit more. 

Of course there are other things you can do, especially in the arena of home security. Join the local neighbourhood watch scheme, install security locks on your windows, fit external security lighting, up-grade the locks on your doors and get a burglar alarm. Added security will earn you discounts on your insurance but will cost you money to install! Perhaps the added peace of mind alone will be worth the cost. Only the local neighbourhood watch scheme arrives free! 

The best general rule is don't stick with the same insurance company too long. Keep them on their toes. They have a tendency to take loyal customers for granted. Yes, it really does pay to shop around – try it and prove it to yourself!


Click HERE for a FREE Home Insurance Quote
0 Comments

5 Star Customer Service Reviews for Cape Cod Home Insurance Agency

9/26/2016

0 Comments

 
Picture
5★on Yellow Pages, Jun 15, 2016
Brittany L.
Great customer service, best rates and coverage for the price. Could not find better rates on the coast that covered wind. So relieved to have coverage under one policy.… more »



5★on Google, Jun 12, 2016
Peter Jones
Great experience with Calfee Insurance. Got best home insurance policy. Very transparent and prompt in service. They guided me carefully to know the policy. Highly recommended.… more »


5★on Google, Jun 12, 2016
Andy Johnson
As a customer of Calfee Insurance since 2014, I can definitely give them a good complement. Good value and best home insurance. I never had a bad experience from 1st day. Highly recommended company… more »


5★on Google, Jun 12, 2016
Rudolph Caldwell
I have been a customer of this Calfee Insurance since 2016 and have never had a bad experience. I always get prompt, professional service from the staff. I often recommend Calfee when colleagues ask a…bout insurance. more »


5★on Google, Jun 12, 2016
Andrada Andrei
I feel so lucky to have found Calfee Insurance! They have proven to be a godsend every year. I am definitely one of those people with a million questions and M. Alford was both very patient and knowle…dgeable. He also reminds me every year when it comes time to renew my policy and suggests new policies that are a better deal for me!
The personalized attention they provide is unparalleled to any other insurance agency I have ever spoken with.
Highly recommend!
more »


5★on Google, Jan 05, 2016
Keli Abuda
I quoted around and they got me the best, most competitive, home insurance policy for the cape cod, ma area. And they saved me money on my car insurance too! Together they saved me a ton $$$…


5★on Google,
Apr 06, 2013
Kevin P. Landry
I live near the water on the Cape and had been searching for a reasonable homeowners policy. The fair plan was really not fair. I met with Calfee Insurance. They hooked me up with an A++ carrier and t…he policy had a miniscule 1% wind deductable for half the premiums of my old policy (by the way, my old policy had a 5% wind deductable). Half the cost and better coverage that is what Calfee can do for you. I would recommend them to the best of my friends. more »


5★on Google, Apr 06, 2013
Merope Dayos
I recently switched my auto insurance to Arthur D. Calfee insurance. The experience I had with them was great - they got me a quote the same day, which was quite a bit lower than what I had been payin…g. The staff was knowledgable, friendly and helpful. They showed me how to go on line and pay my bill and walked me through exactly what I needed to do. Since I had such a great experience with them for my auto insurance, I had them quote my homeowner's policy, and had the same experience - personal service, great prices, they are by far the best agency I have ever dealt with, and I would highly recommend them! more »


5★on Google, Apr 06, 2013
Michael Raab
Calfee Insurance is a great company, they not only saved me money but were so thorough that I got a more comprehensive coverage policy. They took the time to explain all the intricacies and variations… in the Coverage. Since we live near the water we didn't think we had a choice in policies but Calfee explained that the laws have changed and new coverage is available. Now we could combine our Home and Auto and save even more.
I would recommend Calfee to everyone because they are so easy to deal with, professional and do not pressure you. Like I said, they explain everything so you know what, why and how your policy designed just for you. I have my Home, Auto and Business policy's with them.
more »


5★on Merchant Circle, Sep 29, 2011
Tom Stone
The Commercial Staff at Arthur D. Calfee Insurance were so friendly and helpful during my account review. Thank you so much for making insurance understandable . Tom… more »


5★on Google, Apr 07, 2010
Joe Marotta
Tracy McCarthy, Health and Life Insurance Agent, Independent Health Insurance Agent
I was with another company when working with Davidson O. at Arthur D. Calfee Insurance Agency, Inc. of Falmout
…h Ma.
“As an extremely personable and knowledgeable professional, Davidson assisted me in securing liability and workers' comp insurance for a new non-profit school that I am involved with as a volunteer and board member. His dedication to get us coverage in a timely fashion and handle most of the paperwork was outstanding. Davidson is a true professional (real estate agent) and gentleman; someone I would highly recommend to all my colleagues and clientele in Falmouth and Barnstable Ma.” June 19, 2008
more »


5★on Insider Pages, Jan 05, 2010
Davidson C.
Locally Professional & Very Active in the Cape Cod Community
The Arthur D. Calfee Insurance Agency, Inc. is family owned and locally run on Cape Cod. They are having their 30 year anniversary th
…is year. (2010) They have been very active in the Cape Cod community and we are lucky to have them among us. I would recommend them to anyone. more »


5★on Merchant Circle, Jan 05, 2010
CapeCodder101
I saved tons of $$$ and got better coverage for my home & car. I can't wait to show them my other insurance policies. I definitely recommend them to anyone!… more »


5★on Merchant Circle, Jan 05, 2010
CapeCodder101
I saved tons of $$$ and got better coverage for my home & car. I can't wait to show them my other insurance policies. I definitely recommend them to anyone!… more »


5★on Yellow Pages, Aug 27, 2009
maryalf
my husband and i were self-employed and floored by the cost of health insurance for our family . after much research calfee showed us a plan that offered quality and affordability...i highly recommend… these professionals more »


5★on Yellow Pages, Aug 26, 2009
shopping5195
The Calfee insurance family has helped me with all of my insurance needs. They only gave me insurance I needed, I never felt over sold or any pressure to buy more. They are quick with a claim, all I h…ad to do was one phone call and they took care of everything else. I never waited for someone to get back to me or had to press 1 for an operator, they are always available. thank you Calfee insurance! more »


5★on Superpages, Aug 26, 2009
shopping5195
The Calfee insurance family made me feel like I was their only client. They helped me every step of the way for ALL my insurance needs. I never felt like I was being over sold or under sold. The insur…ance I have now was custom made for my needs. thank you Calfee insurance more »

​
5★on Superpages, Aug 24, 2009
electricFrank
I had the pleasure of doing business with Calfee Insurance of Falmouth; they were friendly and quick on getting me a quote. They also saved me almost $400./yr on my business insurance policy!…

0 Comments

Affordable Alternative to MPIUA 'Fair Plan' Home Insurance - Save More in massachusetts

5/10/2016

0 Comments

 
Picture
Call (508)540-2601 for your Affordable Alternative to MPIUA 'Fair Plan' Home Insurance - Save More

It doesn't matter how many times you crawl the Internet for information. When looking for tips on taking out a mortgage, you will always be given this advice: compare mortgage quotes. This is the first and most important rule for would-be homeowners. Always compare mortgage quotes. Unless you do, you cannot distinguish the good offer from the bad. Only when you compare mortgage quotes can you assure yourself that you are getting the best possible deal there is.

​You need to make plans for deductibles. Yes, they are usually different from state to state. And the rule of thumb is that the more predominant a peril is in a state, the higher the deductibles such a peril will attract in that state. To give you an example, earthquakes are common perils in California and the deductibles for earthquakes are far higher in California than Florida which is more prone to wind and water damages.

Well again it depends on the lawyer's experience and specialty. My recommendation would be to find a lawyer who focuses and specializes in personal injury law. Get the lawyers personal track record for success in dealing with insurance companies and has experience and success in the courtroom. Inquire about the law firm's ability to cover the costs of the case as they arise. And, from a personal point of view make sure that your lawyer is approachable and communicates well and regularly with you.

Life insurance is no doubt the most important insurance policy that you need to take care of. On the other hand there are many other Factors such as Home Insurance card insurance and insurance on other assets. When you were married you probably didn't even think twice about who would make these insurance payments month after month. But when you are separated you need to be aware of where you have taken the responsibility to make the payments. You need to stop payments on assets that have not come you're away after the divorce and realize where you do have to make payments. Take a day off to work this one out.

Get on the internet and use an auto insurance quote comparison website. It is literally a 1-2 minute process and then you can get insurance quotes from a lot of companies. After you found some that are in your price range, just call them and see what's the deal. Is it that hard? Does it seem hard? It takes you 2 damn minutes.

To do this, you need to install a lightning detector and protector. Use surge protectors in all your appliances. Don't plug too many gadget in one socket, and when leaving home unplug appliances and put off switches and sockets.

I hope that this step by step guide has helped you a little bit, but like I said at the beginning of this article I am no professional expert on this. I know from my own personal experience what my husband and I had to go through and that is what I wrote on. Nothing more, nothing less. Please always get a second opinion and research this topic more because this is one of the most biggest purchases you will ever have to go through in your entire life! Good Luck!

Click HERE for a FREE Home Insurance Quote
0 Comments

Best Homeowners Insurance Policy on Cape Cod, Massachusetts

5/10/2016

0 Comments

 
Picture
Best Home Insurance Agency on Cape Cod, Massachusetts
Click HERE for a FREE Estimate on Your Home
0 Comments
<<Previous
    Picture
    Picture

    better Insurance 
    ​for 
    HomeOwners

    (508)540-2601

    Yes, Send Me a Quote!
    Picture

    Compare home insurance quotes today and save

    Build a Custom Policy & Make the Switch! 

    Picture
    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
    Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients. 
     
    Calfee specializes in developing, designing and implementing complex property catastrophe insurance programs for his clients.  His market knowledge and client service skills have made Calfee a sought-after property resource for Massachusetts coastal residents.
    View my profile on LinkedIn

    RSS Feed

    Picture

    Real-Time PricinG

    Insurance coverage:

    Wind Damage

    Fire Loss

    Water Damage

    Protect your home and
    belongings
     

    Insurance Products

    Auto Insurance
    Homeowners Insurance
    Condo Insurance
    Renters Insurance
    Rental Home Insurance
    Rental Condo Insurance
    Landlord Insurance
    Motorcycle Insurance
    Personal Umbrella Policy
    Earthquake Insurance
    Flood Insurance 
    Off Road Vehicles 
    Motor Home Insurance
    Mobile Home Insurance 
    Travel Trailer Insurance
    Recreational Vehicles 
    Boat & Yacht Insurance 

    Jet Ski Insurance
    Personal Watercraft 
    Snowmobile Insurance 
     
    Apartment Building Insurance
    Business Auto
    Commercial Trucking
    Commercial Property 
    Condo / Condominium HOA Insurance
    Lessors Risk Insurance 
    Commercial Real Estate
    Office Building Insurance
    Surety Bonds 
    Worker's Compensation 
    Business Owners Policy Insurance (BOP)
    Commercial General Liability Insurance (CPP)
    Business Auto Insurance 
    Real Estate E& O 
    Errors & Omissions Insurance 
     

    Term Life Insurance 
    Universal Life Insurance 
    Whole Life Insurance
    Group Life Insurance
    "Key Man/Woman" Insurance 
      
    Picture
    Picture
    Picture
    Picture
    Picture

    Categories

    All
    1 Acre Land
    23 Asa Meiggs Road
    23 Asa Meiggs Road Sandwich
    Además Necesita De Atención Amor Y Comprensión.
    Adversario
    Affordable Car Insurance
    Affordable Home Insurance
    Agreed Value
    Air Mattress
    Alternative To The Fair Plan
    Amor
    Antique Cars
    Antique Clocks
    Arbella
    Arrange Accessory
    Art
    Arte Y Entretenimiento
    Arts
    Asa Meiggs
    Asa Meiggs Asa Meiggs Rd
    Asa Meiggs Rd
    Asa Meiggs Road
    Asinos
    Asset Protection Strategies
    Aston Martin
    Auto Insurance
    Average Rates
    Awnings
    Azar
    Backgammon
    Bathroom Accessories
    Bathroom Decor
    Bathroom Design
    Bathroom Furniture
    Bathroom Linen
    Bathrooms
    Battle Against Telemarketers
    Bedroom Accessories
    Bedroom Furniture
    Bedrooms
    Bedroom Sets
    Bentley
    Best Cape Cod
    Best Car Insurance
    Best Home Insurance
    Best Home Insurance Quotes
    Best Insurance
    Best Policy
    Best Quality
    Better Wind Coverage
    Bmi
    Boat Claim
    Boat Insurance
    BOSTON
    Boston On Lockdown
    Bourne
    Bourne Flood
    Bourne Insurance Agent
    Bourne Insurance Agent Falmouth Insurance Agent
    Bourne Open House
    Brazil
    Brazilian
    Buidlings
    Buildings
    Buildings Insurance
    Business Insurance
    Businnes Insurance
    Cabinet Refinishing
    Calfee
    Calfee Insurance
    Canvas Awnings
    Cape Cod
    Cape Cod Car Insurance
    Cape Cod Dream Home
    Cape Cod Enterprise
    Cape Cod Etc.
    Cape Cod Flood
    Cape Cod Flood Insurance
    Cape Cod Gala
    Cape Cod Home
    Cape Cod Home Insurance
    Cape Cod Homeowners Insurance
    Cape Cod Insurance
    Cape Cod Insurance Agent
    Cape Cod Investment Products
    Cape Cod Land
    Cape Cod Motorcycle Insurance
    Cape Cod Online Policy
    Cape Cod Open House
    Cape Cod Real Estate
    Cape Cod Real Estate Cape Cod Waterfront
    Cape Cod Times
    Cape Cod Waterfront
    Cape Cod Waterfront Property
    Car
    Car Discounts
    Car Insurance
    Carpets And Rug
    Cars
    Car Safety
    Casinos
    Cataument Open House
    Centerville Insurance Agent
    Changes To The Fair Plan
    Chatum Insurance Agent
    Cheap
    Cheap Car Insurance
    Cheap Home Insurance
    Cheap Home Insurance Quote
    Cheap Insurance
    Chef Roland
    Chime
    Claim
    Claim Reporting
    Claims
    Classic Car Insurance
    Classic Cars
    Cleanup
    Clear Explanation
    Clock Collecting
    Clockmakers
    Clocks
    Closing
    Closing Costs
    Coffee
    Coffee Table
    Colisão
    College Savings 529 Plans
    Community
    Competition
    Compra De Automóveis
    Computer Insurance
    Contemporary Platform Beds
    Content Insurance
    Contents
    Contents Insurance
    Coverage For Newly Acquired Cars
    Cqa
    Culture
    Cyber Liability Insurance
    Damage
    Dating
    Davidson Calfee
    Decor
    Decorate
    Decorating
    Decorating Ideas
    Decorating Styles
    Decorating Tips
    Dennis Insurance Agent
    Dept Of Motor Vehicles
    Design
    Disability Income Product
    Disability Insurance
    Disaster
    Dmv
    Do Not Call List
    Doug The Quahog
    Drivers
    East Falmouth Open House
    Entertainment
    Entretenimiento
    Estate Planning
    Estate Planning Wealth Transfer Planning
    Events
    Exotic Cars
    Fabric Ideas
    Fair Plan
    Falmouth
    Falmouth Artist Guild
    Falmouth Events
    Falmouth Flood
    Falmouth Home Insurance
    Falmouth Insurance Agent
    Falmouth Open House
    Fast Cars
    Fat
    Fema
    Ferrari
    Fhs
    Finance
    Financial Planning
    Financial Services
    Fire
    Flood
    Flooding
    Flood Insurance
    Flood Insurance Quote
    Flood Insurance Quotes
    Flood Insurance Rate
    Flood Insurance Rate Map
    Flood Insurance Rate Maps
    Flood Insurance Rates
    Flood Insurance Requirements
    Flood Insurance Study
    Flood Insurance Zones
    Foam Mattress
    Free Interior Design Tips
    Free Term Life Insurance Quote
    Full Cape
    Full Cape 1 Acre Land
    Gallery
    Games
    Gardening
    General Liability
    Glass Coffee Table
    Glass Coverage
    Glass Insurance
    Glass Repair
    Glider Rocker
    Grandfather Clocks
    Grundy Insurance
    Guardian
    Hagerty
    Health Insurance
    Hide Your $$$
    Highest Liability Limits
    Hoime
    HOME
    Home Accessories
    Home And Car Insurance
    Home Decor
    Home Decorating
    Home Decorating Ideas
    Home Decorating Reviews
    Home Decorating Tips
    Home Decoration
    Home Flood Insurance
    Home Hazard Insurance
    Home Ideas
    Home Improvement
    Home Insurance
    Home Insurance Agencies
    Home Insurance Agency
    Home Insurance Agent
    Home Insurance Boston
    Home Insurance Calculator
    Home Insurance Cape Cod Home Insurance Best Cape Cod Home Insurance Marthas Vineyard Insurance Falmouth Home Insurance Mashpee Home Insurance Sandwich Home Insurance Bourne Home Insurance North Falmouth Home Insurance Marion Home Insurance Plymouth Home I
    Home Insurance Claims
    Home Insurance Companies
    Home Insurance Company
    Home Insurance Company Ratings
    Home Insurance Comparison
    Home Insurance Comparisons
    Home Insurance Contents
    Home Insurance Cost
    Home Insurance Costs
    Home Insurance Coverage
    Home Insurance Estimate
    Home Insurance Estimator
    Home Insurance In Ma
    Home Insurance In Massachusetts
    Home Insurance In New York
    Home Insurance Ma
    Home Insurance Massachusetts
    Home Insurance New York
    Home Insurance Nyc
    Home Insurance On Cape Cod
    Home Insurance Online
    Home Insurance Policy
    Home Insurance Premiums
    Home Insurance Prices
    Home Insurance Providers
    Home Insurance Quote
    Home Insurance Quote Online
    Home Insurance Quotes
    Home Insurance Quotes Ma
    Home Insurance Quotes Massachusetts
    Home Insurance Quotes Online
    Home Insurance Rate
    Home Insurance Rates
    Home Insurance Ratings
    Home Insurance Review
    Home Insurance Reviews
    Home Insurance Ri
    Home Insurances
    Home Insurer
    Home Lighting
    Home Maintenance Insurance
    Home Mortgage Insurance
    Homeowner
    Home Owner
    Home Owner Insurance
    Homeowner Insurance
    Homeowner Insurance Calculator
    Home Owner Insurance Company
    Home Owner Insurance Quote
    Home Owners Insurance
    Home Owners Insurance Company
    Home Owners Insurance Quote
    Home Owners Insurance Quotes
    Home Renters Insurance
    Home Repair
    Home Repair Insurance
    Home Warranty Insurance
    House
    Household Cover
    House Insurance
    Hurricane
    Hurricane Arthur
    Hurricane Deductible
    Hurricane Florence
    Hurricane Insurance
    HURRICANE JOAQUIN
    Hurricane Preparedness Begins At The Foundation
    Hurricane Season Safety Lessons
    Hurricane Shutter
    Hurricane Shutters
    Hurrricane
    Hyannis Insurance Agent
    Hyannis Open House
    Important Policy
    Incluindo Os Seguros De Vida
    Instant Life Insurance Quote
    Insurance
    Insurance Agent
    Insurance Companies
    Insurance For Cape Cod
    Insurance News
    Insurance Reviews
    Insurance Weather
    Interest
    Interior Decorating
    Interior Design
    Invest
    Investing
    Investment Products
    Investments
    Iphone App
    IRAs/IRA Rollover
    Irene
    Isto Aplica¬ Se A Todos Os Tipos De Seguros
    Isto Aplica¬ Se A Todos Os Tipos De Seguros
    Jn Phillips Auto Glass
    Juegos
    Kitchen
    Kitchen Cabinet Refinishing
    Kitchen Decorating
    Kitchen Design
    Kitchen Remodeling
    Kitchens
    Landscape Lighting
    Landscaping
    Leisure
    Liability
    Life
    Life Assurance
    Life Cover
    Life Insurance
    Life Insurance Advance
    Life Insurance Policies
    Life Insurance Policy
    Life Settlement
    Life Settlements
    Lifestyle Tips For Artful Living By Shirley Anderson
    Lighting
    Local Insurance
    Local Life Insurance
    Local School News
    Long Term Care Insurance
    Long Term Care Insurance Disability Insurance
    Love
    Low Cost Term Life Insurance
    MA
    MA Cape Cod Real Estate Cape Cod Waterfront Asa Meiggs Asa Meiggs Rd Full Cape 1 Acre Land
    Maia Files Complaint With The Division
    Martha's Vineyard
    Marthas Vineyard Home Insurance
    Maserati
    Mashpee
    Mashpee Flood
    Mashpee Home Insurance
    Mashpee Open House
    Massachusetts Property Insurance Underwriting Association
    Massdot
    Mass Property
    Mattress
    Memory Foam Mattress
    Minna Street Life Free Newsletter
    Mobile Apps
    Mold
    Money
    More Wind Coverage
    Mortgage Protection
    Motorcycle
    Motorcycle Safety Course
    MPIUA
    Mutual Funds
    Nantucket
    Narrragansett
    Natural
    Networking
    New Car
    New Seabury Open House
    "Non-Chaluxe" Defines Glamour Without Glitz
    Non Profit Organizations
    Non-Profit Organizations
    North Falmouth Insurance Agent
    North Falmouth Open House
    No Wind Deductible
    Ocio
    Online Life Insurance Quote
    Open House
    Ordinance Or Law
    Os Seguros Automóvel E Os Seguros De Habitação.
    Os Seguros Automóvel E Os Seguros De Habitação.
    Outdoor Lighting
    Parejas
    Partial Loss
    Passing On The Family Business
    Payout
    Pendulum Clock
    Personal
    Personal Possessions
    Personal Possessions Insurance
    Pet Coverage
    Pet Insurance
    Phil Farrell
    Platform Bed Frames
    Platform Beds
    Pocasset Open House
    Police
    Policies
    Politics
    Pond Front Real Estate
    Prêmios De Seguro
    Premium
    Premiums
    Prepaid Loan Interest
    Prepardness
    Prepare
    Property
    Real Estate
    Real Estate Profits
    Relationships
    Rentals In Columbus Ga
    Rentals In Columbus Georgia
    Renters & Auto
    Renters Insurance
    Retirement
    Retirement Planning
    Retractable Awnings
    Reviews For Massachusetts Home Insurance
    Rising
    Risks
    Road Safety
    Rocking Chair
    Rocking Horse
    Rolls Royce
    Safe Driving
    Safe Road Alliance
    Safety Insurance
    Sandwich
    Sandwich Home Insurance
    Sandwich Real Estate
    San Francisco Artists
    San Francisco Designers
    Save On Car Insurance
    Security System
    Seguro Auto
    Seguro De Carro
    Seguro Residencial
    Ser Padre O Madre No Es Tan Fácil Como Parece. Se Necesita Reconocer Que La Persona Que Traemos Al Mundo Es Una Persona Que Necesita De Ayuda Por Varios Años
    Shopping Online Insurance
    Shutters
    Single Premium Life Insurance
    Sitios De Internet
    Social Security Benefits Review
    Squeeze
    State News
    Stay At Home
    Staying Power
    Step By Step Guide
    Stop Work Orders
    Storm
    Strong Reputation
    Summer Gala
    Table
    Tablero
    Tall Case Clock
    Tax-deferred Annuity
    Teen Driving
    Teen Licensing
    Term Life Insurance
    Theft
    Traffic
    Training
    Travelers
    Trends
    TROPICAL STORM JOAQUIN
    Trusted Choice
    Universal Insurance
    Universal Life Insurance
    Universal Property
    UPCIC
    Upc Insurance
    Vandalism
    Variable Annuity
    Visit Cape Cod
    Volunteer
    Watercraft Coverage
    Wealth Transfer Planning
    Weather
    West Falmouth Insurance Agent
    West Falmouth Open House
    What To Do When A Spouse Dies
    Whole Life
    Whole Life Insurance
    Wind Deductible
    Wind Insurance
    Window Awnings
    Window Treatments
    Wind Shield Repair
    Wind Shield Replacement
    Wood Clock
    Wood Platform Beds
    Workers Comp
    Yacht Insurance
    Yarmouth Insurance Agent

    Picture

    Archives

    March 2021
    February 2021
    January 2021
    November 2020
    October 2020
    September 2020
    August 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    October 2019
    May 2019
    April 2019
    February 2019
    January 2019
    September 2018
    August 2018
    June 2018
    April 2018
    February 2018
    January 2018
    April 2017
    March 2017
    February 2017
    December 2016
    November 2016
    September 2016
    May 2016
    April 2016
    March 2016
    February 2016
    December 2015
    November 2015
    October 2015
    September 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    October 2013
    September 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    April 2012
    March 2012
    December 2011
    November 2011
    August 2011
    July 2011
    December 2010
    November 2010
    October 2010
    August 2010

    Picture

    Author

    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

    Archives

    March 2021
    February 2021
    January 2021
    November 2020
    October 2020
    September 2020
    August 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    October 2019
    May 2019
    April 2019
    February 2019
    January 2019
    September 2018
    August 2018
    June 2018
    April 2018
    February 2018
    January 2018
    April 2017
    March 2017
    February 2017
    December 2016
    November 2016
    September 2016
    May 2016
    April 2016
    March 2016
    February 2016
    December 2015
    November 2015
    October 2015
    September 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    October 2013
    September 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    April 2012
    March 2012
    December 2011
    November 2011
    August 2011
    July 2011
    December 2010
    November 2010
    October 2010
    August 2010

    Picture
    Picture
    Picture
    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
Picture
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. 

​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. 

Testimonials & Endorsements for the Best Insurance Agent on Cape Cod, MA


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


HOMEOWNERS INSURANCE
CAR INSURANCE
RENTERS INSURANCE
CONDO INSURANCE
BOAT INSURANCE
COMMERCIAL AUTO INSURANCE
BUSINESS INSURANCE
LIFE INSURANCE
LOCAL CAR INSURANCE
​LOCAL HOME INSURANCE
LONG TERM CARE INSURANCE
DISABILITY INSURANCE
​TERM INSURANCE
WHOLE LIFE INSURANCE
MORTGAGE PROTECTION
AUTO 

FLOOD

HOME
BOAT
BUSINESS
LIFE
OFFICES
CLIENT SERVICES
NEWS

PHONE:  (800) 479-2601  CUSTOMER SUPPORT & SERVICE

Falmouth Homeport Office - 336 Gifford Street  Falmouth, MA 02540      *      North Falmouth Village Office - 121 County Road  North Falmouth, MA 02556
​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
© 2021 Copyright, Arthur D. Calfee Insurance Agency, Inc.
Calfee Cares.®  Privacy Policy
Photos used under Creative Commons from Dru Bloomfield - At Home in Scottsdale, stepnout
  • HOME
    • Send me a Home Insurance Quote Cape Cod Massachusetts - >
      • Thank You! Home Insurance Rates Are On Their Way!
    • FLOOD Insurance >
      • Pay Your Bill Online
      • Videos - Cape Cod Home Insurance
    • Cape Cod Real Estate
    • Pay Your Home Insurance Bill Online
    • Ordinance or Law Coverage
    • How to Prevent a Claim on your Home Insurance Policy
    • Videos - Cape Cod Real Estate Tips >
      • Videos - How to Qualify a Tenant for your Cape Cod Home >
        • Videos - Cape Cod Real Estate Investing
    • Cape Cod Massachusetts Arbella Insurance Discounts
    • Cape Cod Massachusetts Lloyds of London Home Insurance
    • Safety Insurance Discounts for Cape Cod, Massachusetts
    • MPIUA - MA Property Insurance Underwriting Association "Fair Plan"
    • Cape Cod Massachusetts Home Protection Insurance
    • Hurricane Preparedness >
      • Cape Cod Massachusetts Hurricane Survival >
        • Cape Cod Massachusetts Hurricane Preparedness
  • AUTO
    • Send me an Auto Insurance Quote for Cape Cod, Massachusetts
    • BOAT Insurance >
      • Send me a Boat Quote
    • Cape Cod, MA Dept. of Motor Vehicles
    • Cape Cod Massachusetts - Report an Auto Insurance Claim
    • Cape Cod Massachusetts Videos - CAR BUYING TIPS : Auto Insurance for Cape Cod, MA
    • InControl Driver Training
    • Car Insurance for Cape Cod Massachusetts - Arbella Insurance - Send me an Auto Quote >
      • Cape Cod Massachusetts Arbella Car Insurance Discounts
    • Plymouth Rock - Send me an Auto Quote >
      • Plymouth Rock Asurance Discounts
    • Encompass Insurance Discounts
    • Safety Insurance - Send me an Auto Quote >
      • Safety Insurance Discounts
    • Travelers Insurance Discounts
    • Progressive Insurance - Send me an Auto Quote
  • LIFE
    • Send me a Life Quote
    • Long Term Care >
      • Videos - Living Trust >
        • Videos - Life Insurance
  • OFFICES
    • Pay Your Bill Online
  • ABOUT US
    • Reviews & Testimonials
    • Contact Us
  • Stay Home
    • Pay Your Bill Online
    • Report an Insurance Claim
    • Send me a Home Quote
    • Send me an Auto Quote
    • Send me a Boat Quote
    • Send me a Business Quote
    • Send me a Life Quote
  • Home Insurance News
  • Agent Login
  • Privacy Policy
  • Videos - Cape Cod Real Estate Investing, Taxes & Insurance
  • Videos - Cape Cod Coastal Real Estate
  • Português