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Hello, October: Fall Into Peace of Mind with Calfee Insurance

9/30/2025

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The air is crisp, the leaves are turning gold, and the familiar beauty of Cape Cod in the fall is here. October is a season of change—shorter days, cooler nights, and preparations for the months ahead. As we welcome this new month, it’s also the perfect time to think about protection, security, and peace of mind.
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At Calfee Insurance, we believe that just as the seasons shift, our priorities shift too. Autumn reminds us to prepare for what’s coming, whether that’s cozy evenings at home, long drives to admire the foliage, or getting ready for Cape Cod’s unpredictable fall weather. And the best preparation starts with making sure what matters most is covered.

​A Season of Change, A Time to Prepare

October is nature’s way of reminding us that change is constant. On Cape Cod, the shift to autumn means the end of busy summer days, the start of quieter routines, and a focus on home and family.

It’s also a month when homeowners and drivers should look ahead. Fall often brings storms, heavy winds, and cooler temperatures. It’s a time to double-check that your home and auto insurance policies are up to date and that you’re ready for whatever the season may bring.
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Insurance is more than paperwork—it’s a promise. A promise that your home will stay protected if the weather takes a turn, and your family will be supported if the unexpected happens on the road. That promise is one of the greatest sources of peace of mind you can give yourself this October.

​Auto Insurance: Safe Travels Through Fall

There’s nothing quite like a fall drive on Cape Cod. The quiet roads, the vibrant foliage, and the crisp ocean air make October a wonderful month to explore. But with shorter days, slick roads from rain, and busier commutes, driving also comes with risks.
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That’s where the right auto insurance coverage makes all the difference. At Calfee Insurance, we help you find a policy that ensures:
  • You’re covered in case of accidents or damage.
  • Your family is protected every time you get behind the wheel.
  • You can enjoy fall adventures with confidence.
Because at the end of the day, it’s not just about protecting your vehicle—it’s about protecting the people riding with you.

​Home Insurance: Protecting Your Cozy Retreat

As the evenings get cooler, more time is spent indoors. Your home becomes the center of family life—where comfort, safety, and memories are made. But autumn weather on Cape Cod can be unpredictable. Strong winds, heavy rains, or even the first signs of frost can bring challenges.
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Having reliable home insurance ensures that your family’s sanctuary remains protected no matter what nature brings. From structural damage to personal belongings, the right policy means you can relax and focus on the joys of the season—like pumpkin carving, family dinners, and cozy nights by the fire.

​Flood Insurance: Staying Ahead of the Storms

Even as summer ends, the threat of flooding doesn’t go away. Cape Cod’s coastal location means homeowners are always at risk when storms roll through. Unfortunately, many people don’t realize that standard home insurance doesn’t cover flood damage.
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That’s why October is an excellent time to review your flood insurance. At Calfee Insurance, we’ve been helping Cape Cod families protect against this specific risk for decades. Adding flood insurance is more than a policy—it’s a safeguard for your home, your memories, and your future.

​Why October Is the Right Time for Insurance Checkups

Just as we schedule home tune-ups before winter, October is the perfect month to schedule an insurance checkup. Reviewing your policies now means you’re not caught off guard when the seasons change or emergencies strike.
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Some questions to consider this month:
  • Has your home increased in value, requiring more coverage?
  • Do you have enough protection for new vehicles or drivers in the family?
  • Is your flood insurance policy active and current?
Being proactive now saves stress later—and ensures your family can fully enjoy the season ahead.

​Calfee Insurance: Your Partner Through Every Season

For over 40 years, Calfee Insurance has been more than an insurance agency—we’ve been a part of the Cape Cod community. We understand the seasonal rhythms, the weather risks, and the unique needs of Massachusetts families.
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Our mission is simple: to protect what matters most to you. Whether it’s your car, your home, or your peace of mind, we’re here to make sure you enter each season with confidence.

​Let Your Worries Fall Away

As we step into October, we’re reminded of the beauty of change and the importance of preparation. Leaves fall, temperatures dip, and routines shift—but with the right protection in place, your worries don’t have to follow.
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🍂 Hello, October! This month, let Calfee Insurance help your worries fall away so you can focus on what truly matters: your family, your home, and the memories you create.
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​Because peace of mind is the best way to welcome a new season.
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National Love People Day: Protect What You Love with Calfee Insurance

9/30/2025

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​Love is one of the most universal human experiences. People sing about it, write poems inspired by it, and live their lives searching for ways to express it. But love isn’t just about grand gestures—it’s also about everyday acts of care, kindness, and protection. That’s the heart of National Love People Day, observed every year on September 30.
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This special day reminds us to give love freely and unconditionally, without expecting anything in return. It’s a chance to pause and ask ourselves: how do we show love to those who matter most? At Calfee Insurance, we believe that one of the most powerful ways to love people is by protecting their future and giving them peace of mind.

Love in Action: Why Protection Matters

When you think of love, you may picture warm hugs, handwritten notes, or family dinners. But real love often shows up in quieter, practical ways—like making sure your family is safe on the road, or your home is covered when a storm rolls in.
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That’s the heart of insurance: it’s not just about policies, it’s about people. It’s about making sure that no matter what happens, your loved ones are protected.
For example:
  • Auto Insurance means every drive—whether it’s school drop-off or a road trip—comes with peace of mind.
  • Home Insurance ensures the place where your family gathers is safeguarded against unexpected damage or loss.
  • Flood Insurance protects Cape Cod homeowners from the risks of seasonal storms and rising tides.
Insurance is love in action. It’s how you show your family that you’ve planned ahead for life’s uncertainties.

​Auto Insurance: Safety on the Road Is an Act of Love 🚗

Think about how often you’re on the road with the people you care about most. Kids laughing in the backseat, loved ones sitting beside you, even friends joining for a quick ride—every passenger is precious cargo.

By keeping reliable auto insurance in place, you’re showing your family that you value their safety above all else. It ensures that if an accident happens, they’re covered and protected. That kind of preparation is one of the clearest ways to say, “I love you.”
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At Calfee Insurance, we work with you to find coverage that fits your family’s needs, so that every drive comes with reassurance.

​Home Insurance: Protecting the Heart of Your Family 🏡

For most families, a home isn’t just a building—it’s the center of life. It’s where birthdays are celebrated, holidays are shared, and everyday love happens in the little moments. Protecting your home with the right insurance coverage is one of the strongest commitments you can make to the people you love.
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With Cape Cod weather bringing storms, floods, and coastal challenges, having the right home insurance isn’t optional—it’s essential. At Calfee Insurance, we make sure your coverage matches the unique risks of living in our region, giving your family the comfort of knowing their home is safe.

​Flood Insurance: Guarding Against Nature’s Surprises 🌊

Cape Cod is known for its beauty, but living near the water also comes with risks. Flooding can cause devastating damage, and too often, families don’t realize that standard home insurance doesn’t cover it.
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Adding flood insurance is another way to love and protect your family—ensuring that the home and memories you’ve built won’t be washed away by an unexpected storm. For us at Calfee Insurance, helping families secure flood coverage is about giving them confidence, even during unpredictable Cape Cod seasons.

​Insurance as a Legacy of Love

On National Love People Day, we’re reminded that love is often about thinking ahead. You prepare today so that the people you love are taken care of tomorrow.
Insurance is more than a piece of paper—it’s a promise. A promise that says:
  • “Your safety matters.”
  • “Our home is protected.”
  • “Our future is secure.”
By choosing to insure your car, home, and family’s future, you’re leaving behind a legacy of love that endures far longer than any single day of celebration.

​Why Calfee Insurance?

For over four decades, Calfee Insurance has been a trusted partner for families across Cape Cod. We don’t just provide policies—we provide peace of mind. Our team understands the local risks, the seasonal challenges, and the needs of Massachusetts families.
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When you work with us, you’re not just buying coverage. You’re showing love for your family in one of the most practical and lasting ways possible: by making sure they’re always protected.

​Love Fully. Protect Completely.

On this National Love People Day, remember that love is about more than words—it’s about actions. It’s about showing up, planning ahead, and protecting what matters most.
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At Calfee Insurance, we’re here to help you love your family fully by protecting them completely.
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Because true love isn’t just about saying you care—it’s about making sure the people you love are safe, today and always.
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Every Giggle in the Rear Seat Begins with Safety — and Peace of Mind Begins with Calfee Insurance

9/29/2025

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There’s something magical about the sound of giggles in the backseat. Whether it’s your toddler playing peek-a-boo, siblings sharing inside jokes, or a baby happily babbling along with the hum of the car, those moments remind us what truly matters. But behind every happy sound from the rear seat is a parent or caregiver who knows that safety must come first.
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At Calfee Insurance, we believe that every laugh, every adventure, and every ride begins with safety. And when safety meets protection, families can enjoy peace of mind no matter where the road takes them.

​The Importance of Rear Seat Safety

Rear seat safety isn’t just a guideline—it’s a lifesaving choice. Studies have shown that children are safest when riding in the back, properly buckled into car seats or booster seats appropriate for their age and size.
Here’s why the rear seat is so important for children:
  • Distance from Impact: In a crash, the rear seat offers more distance from the point of impact, especially in head-on collisions.
  • Better Protection: Airbags in the front seat, though lifesaving for adults, can be dangerous for younger children.
  • Crash Force Distribution: Car seats in the rear help distribute crash forces more evenly across a child’s body, protecting their head, neck, and spine.
By keeping children rear-facing as long as possible, then transitioning them to forward-facing and booster seats as recommended, parents can ensure that every ride is as safe as possible.

​Why Safety Alone Isn’t Enough

Even the most cautious parents know that safety doesn’t eliminate risk—it reduces it. You can buckle every seatbelt, install every car seat correctly, and follow every safety rule, but the truth is, you can’t control everything on the road.
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Other drivers, unexpected weather, or sudden hazards can turn an ordinary trip into a moment of crisis. That’s where insurance comes in—not as a replacement for safety, but as a second layer of protection.

​The Role of Auto Insurance in Family Safety

When it comes to protecting your family, auto insurance plays a critical role. At Calfee Insurance, we see it as the safety net that catches you when prevention isn’t enough.
Here’s how auto insurance protects your family:
  • Medical Coverage: In the unfortunate event of an accident, the right policy can help cover medical expenses for you and your passengers.
  • Vehicle Repair or Replacement: Whether it’s a fender bender or a major collision, insurance ensures you’re not left with overwhelming repair costs.
  • Liability Protection: If you’re at fault in an accident, insurance shields you from financial losses that could impact your family’s future.
  • Peace of Mind: Knowing you’re covered means you can focus on what really matters—those giggles in the backseat.

​Why Families Choose Calfee Insurance

For more than 40 years, Calfee Insurance has been helping Cape Cod families protect what matters most. We understand that insurance isn’t just about policies—it’s about people, families, and futures.
Here’s what makes us different:
  • Local Knowledge 🌊 – Driving on Cape Cod comes with its own challenges, from seasonal traffic to unpredictable weather. We know the risks because we live here too.
  • Personalized Coverage 🏡 – Your family’s needs are unique. We work with you to design coverage that truly fits your life.
  • Trusted Service 🤝 – Whether it’s answering a quick question or guiding you through a claim, our team is here for you.
  • Community Commitment 💙 – As a family-owned agency, we’re proud to serve our neighbors and give back to the communities we call home.

​Everyday Safety Habits for Families

While auto insurance is essential, awareness and preparation go a long way in keeping your family safe on the road. Here are a few simple habits to practice:
  • Always buckle up – Every passenger, every ride, no exceptions.
  • Use the right seat – Rear-facing, forward-facing, or booster, depending on your child’s age and size.
  • Secure loose items – Even small objects can become dangerous projectiles in a crash.
  • Stay focused – Avoid distractions like phones, food, or multitasking while driving.
  • Review your policy – Make sure your auto coverage is up to date and fits your family’s needs.
These steps, combined with reliable insurance, create the strongest protection possible.

​Peace of Mind for Every Mile

​Every parent knows the joy of hearing laughter from the backseat. It’s the soundtrack of childhood—the moments we live for and the memories we’ll carry forever. But those giggles are safest when paired with careful choices and reliable protection.
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At Calfee Insurance, we’re here to make sure that while you focus on making memories, we focus on protecting your journey.
Every giggle in the rear seat begins with safety — and peace of mind begins with Calfee Insurance.
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When you combine awareness with protection, you give your family the confidence to enjoy the road ahead. Because while you can’t control everything, you can prepare for anything.
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​Because your family’s laughter deserves to be protected, mile after mile.
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As September Ends, Remember the Importance of Rear-Facing Safety

9/29/2025

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September may be winding down, but the lessons of Rear-Facing Awareness Month are worth carrying forward all year long. This annual observance serves as a vital reminder to parents, caregivers, and communities about the life-saving benefits of extended rear-facing car seat use. While September shines a spotlight on this crucial safety practice, it’s something every family should prioritize long after the calendar page turns.
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At Calfee Insurance, protecting families goes beyond offering reliable auto coverage—we also believe in sharing knowledge that can help prevent tragedies before they happen. Awareness paired with protection creates true peace of mind.

​Why Rear-Facing Car Seats Matter

When it comes to child passenger safety, rear-facing car seats are the gold standard. Here’s why:
  • Stronger Support: In the event of a crash, rear-facing seats better support the head, neck, and spine of infants and toddlers.
  • Force Distribution: Instead of a child’s body taking the full impact, crash forces are spread evenly across the seat.
  • Critical Protection: Babies and toddlers are especially vulnerable because their bones and muscles are still developing. Rear-facing provides the cushion they need during these early years.
The longer you can keep your child rear-facing—typically until they reach the maximum weight and height limits of the seat—the safer they’ll be.

Common Misconceptions About Rear-Facing

​Despite the proven safety, there are still myths that cause some parents to switch to forward-facing too soon. Let’s clear them up:
  • “My child’s legs look cramped.”
    Even if it looks uncomfortable, children are flexible and perfectly safe rear-facing. The risk to their legs is far less than the risk to their neck or spine in a crash.
  • “They’re too old for rear-facing.”
    Many car seats are designed for extended rear-facing use up to 40–50 pounds. Always check your seat’s limits before making the switch.
  • “They’ll be unhappy facing backward.”
    Kids are often content rear-facing, and safety should always outweigh temporary fussiness.
By spreading awareness, especially during September’s observance, families can feel more confident in making the safest choice.

​Awareness and Insurance: A Shared Responsibility

Rear-facing car seats are about prevention. Insurance is about protection. Together, they form a complete safety net for your family.
Think of it this way:
  • Rear-Facing Safety: Keeps your child safer in the event of a crash.
  • Auto Insurance: Helps cover the costs if the unexpected happens on the road.
At Calfee Insurance, we’ve seen firsthand how accidents can affect families. That’s why we’re committed to providing not just coverage, but also education—because true safety comes from pairing proactive choices with reliable protection.

​A Cape Cod Perspective

​Living on Cape Cod comes with its own set of driving challenges. From winding neighborhood roads to busy summer traffic and unpredictable weather, safety can never be an afterthought. For families in Falmouth, Massachusetts, and across the Cape, the combination of rear-facing awareness and trusted auto insurance creates the foundation for confidence every time you buckle up.

​Practical Tips for Parents

Here are a few ways you can take action today—long after Rear-Facing Awareness Month ends:
  • Double-check your child’s car seat installation. Many local fire departments and safety groups offer free checks.
  • Review your car seat’s weight and height limits to ensure your child is still within safe rear-facing guidelines.
  • Share safety reminders with friends, family, and caregivers—consistency is key.
  • Revisit your auto insurance policy to confirm you have the protection your family needs on the road.

​Why Choose Calfee Insurance?

For over 40 years, Calfee Insurance has been protecting Cape Cod families with personalized coverage and trusted service. Here’s what sets us apart:
  • Local Knowledge 🌊 – We understand the unique risks of living and driving on Cape Cod.
  • Tailored Policies 🏡 – Your family’s needs aren’t one-size-fits-all, and neither is your coverage.
  • Support You Can Count On 🤝 – From guidance to claims, we’re with you every step of the way.
  • Community Commitment 💙 – We’re more than an insurance agency—we’re part of the community we serve.
As September closes, let’s not close the book on rear-facing safety. Buckling your child in the right car seat position is one of the most important steps you can take to protect them. And when you combine that awareness with the peace of mind that comes from Calfee Insurance, you’re creating the strongest protection possible for your family.
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✅ Rear-facing keeps your little ones safer.
✅ Calfee Insurance keeps your whole family protected.
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​Because safety doesn’t end when September does—it’s something we carry with us all year long.
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Safety Begins with Awareness — and Protection Begins with Calfee Insurance

9/26/2025

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​Awareness: The First Step in Safety

Every day, we make choices that protect us:
  • Locking doors at night
  • Watching the road while driving
  • Checking smoke detectors at home
These small actions are part of situational awareness—the practice of staying mindful of what’s happening around us. It’s a habit that helps prevent accidents and keeps families safer.
But here’s the truth: awareness can’t prevent everything.

​When Awareness Meets the Unexpected

Even the most careful person can’t control everything. Think about it:
  • A storm knocks out power and damages your roof.
  • Another driver rear-ends you, even though you were alert.
  • A frozen pipe bursts while you’re away.
Awareness helps reduce risks, but it doesn’t eliminate them. That’s why the second layer of safety--insurance—is so important.

​Insurance: The Second Layer of Protection

At Calfee Insurance, we like to think of awareness as your first line of defense, and insurance as the safety net that catches you when prevention isn’t enough. Together, they form a complete shield of protection.
Here’s how they work hand-in-hand:
  • Driving on Cape Cod: You stay focused behind the wheel, but insurance covers damages if another driver causes a collision.
  • At Home: You catch small issues early, but your homeowners policy protects against major storm damage.
  • In the Community: You stay alert to risks, but insurance ensures financial stability if the unexpected happens.

​Why Calfee Insurance?

For over 40 years, Calfee has been protecting Cape Cod families through every season, storm, and challenge. What sets us apart?
  • Local Expertise 🌊 – We understand Cape Cod’s unique risks.
  • Personalized Coverage 🏡 – One-size-fits-all doesn’t work. Your policy should fit your life.
  • Trusted Service 🤝 – From questions to claims, we’re here when you need us.
  • Community Roots 💙 – We’re not just an agency—we’re your neighbors.

​Building a Safer Future: Awareness + Protection

Think of your safety like layers:
  1. Awareness: Habits that reduce risks every day.
  2. Insurance: Protection for the events you can’t control.
By combining both, you create lasting peace of mind—for yourself, your family, and your future.

​Quick Tips to Strengthen Your Awareness

  • Test smoke detectors monthly.
  • Avoid distractions while driving.
  • Keep emergency kits ready at home.
  • Teach kids basic safety habits.
  • Review your insurance coverage regularly.

​The Calfee Difference

At Calfee Insurance, we’re here to make sure you’re prepared for both the things you can control—and the things you can’t. Awareness may protect your today, but insurance protects your tomorrow.
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​Because peace of mind isn’t just about staying alert—it’s about knowing you’re covered.
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Stay Alert, Stay Safe—and Stay Covered with Calfee Insurance

9/26/2025

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Every day, we make choices that impact our safety. Whether it’s locking the front door, looking both ways before crossing the street, or paying attention while driving, these small habits of awareness protect us more than we realize. But even the most careful person knows that not everything is within our control. That’s why staying safe takes two steps: being alert in the moment and being prepared for the unexpected.

​At Calfee Insurance, we believe situational awareness is your first line of defense—and the right insurance is your safety net. Together, they give you the peace of mind you and your family deserve.

​Why Awareness Matters

Situational awareness simply means being mindful of what’s happening around you. It’s about noticing your environment, anticipating potential risks, and making smart decisions in real time. This practice doesn’t just apply to emergencies—it’s something that helps us every day:
  • At Home: Checking for unlocked doors and windows, making sure smoke detectors are working, or noticing a leaking pipe before it causes major damage.
  • On the Road: Avoiding distracted driving, keeping a safe distance, and staying alert on busy Cape Cod roads where weather and traffic can change quickly.
  • In Your Neighborhood: Watching out for unusual activity, ensuring kids are safe when playing outside, and practicing good community awareness.
These small habits can prevent accidents, reduce stress, and give you confidence that you’re doing your part to stay safe.

​Awareness Alone Isn’t Enough

The truth is, even the most cautious person can’t prevent everything. A sudden storm, an unexpected accident, or damage to your home can still happen despite your best efforts. That’s where insurance plays its vital role.
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Situational awareness gives you immediate protection—but insurance provides lasting protection. Together, they create a safety net that keeps you and your family secure no matter what comes your way.

​Everyday Scenarios

Here are a few examples where awareness and insurance work hand-in-hand:
  • Driving on Cape Cod: You’re focused on the road and driving responsibly, but another driver rear-ends your car at a stoplight. Your awareness helped reduce the severity of the accident, but your auto insurance helps cover the damage and medical costs.
  • Home Protection: You notice a small leak in your ceiling early and call for repairs before it spreads. Later in the season, a nor’easter causes major roof damage. Your quick action prevented some problems, but your homeowners insurance covers the unexpected.
  • Neighborhood Safety: You’re alert to unusual activity and report it, preventing theft. But if something were to happen despite your vigilance, your insurance ensures you’re financially protected.
These examples show how both prevention and protection are equally important.

​Why Cape Cod Families Trust Calfee

Living on Cape Cod means facing unique risks—from coastal storms and flooding to heavy tourist traffic on local roads. That’s why awareness matters so much here. But it’s also why families across Falmouth and beyond choose Calfee Insurance as their partner in protection.
Here’s what sets us apart:
  • Local Knowledge: We understand Cape Cod living, from ocean winds to neighborhood safety concerns.
  • Personalized Coverage: Every family and home is different. We match you with insurance that truly fits your needs.
  • Reliable Support: From quick questions to filing claims, our team is here for you every step of the way.
  • Trusted Experience: For over 40 years, Calfee Insurance has been helping local families protect what matters most.
We’re more than just an insurance agency—we’re neighbors who understand the challenges and joys of Cape life.

​Practical Steps for Staying Safe

Here are some easy ways you can practice awareness every day:
  1. At Home: Lock doors and windows, check smoke detectors, and keep emergency supplies ready.
  2. On the Road: Avoid distractions, maintain safe distances, and always wear your seatbelt.
  3. In the Community: Stay alert in public spaces, report unusual activity, and watch out for others.
  4. Seasonal Prep: Prepare your home for storms, check heating systems before winter, and review your insurance coverage annually.
Awareness starts with habits. Insurance starts with planning. Together, they give you confidence no matter the season.

​Awareness + Coverage = True Peace of Mind

Staying alert helps prevent accidents. Having the right insurance helps protect you from the impact of what you can’t control. When combined, these two layers of safety create the ultimate peace of mind.

​At Calfee Insurance, our goal is to give Cape Cod families both comfort and confidence—knowing that whether you’re on the road, at home, or simply going about your day, you’re backed by coverage you can trust.
Safety isn’t just about reacting to emergencies—it’s about being aware, being prepared, and being protected. By practicing situational awareness and partnering with Calfee Insurance, you’re giving yourself and your family the strongest foundation for peace of mind.
​✅ Stay alert.
✅ Stay safe.
✅ Stay covered with Calfee Insurance.
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​Because while awareness protects your today, Calfee Insurance protects your tomorrow.
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A Warm Home Starts with a Tune-Up—and Peace of Mind Starts with Calfee

9/25/2025

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As the seasons shift on Cape Cod, homeowners know that the crisp autumn air is a sign of what’s ahead: cold nights, frosty mornings, and the need to prepare for winter. That’s exactly why National Tune-Up Day, observed every September 25, is such an important reminder.

A tune-up isn’t just about heating efficiency—it’s about safety, comfort, and readiness. Just as you wouldn’t wait until the first snowstorm to buy a shovel, you shouldn’t wait until the first cold night to find out your heating system isn’t working.
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At Calfee Insurance, we believe that protecting your home requires two steps:
  1. Prepare with maintenance—like annual heating system tune-ups.
  2. Protect with coverage—so you’re ready for whatever winter brings.
Because while a warm home starts with a tune-up, true peace of mind starts with Calfee.

​Why Tune-Ups Matter

Your heating system works hard through New England winters, and like any hardworking machine, it needs care. Annual inspections ensure your furnace, boiler, or heating pump is running safely and efficiently. Here’s why homeowners are encouraged to schedule a tune-up every fall:
  • Energy Efficiency: Clean and serviced systems run more efficiently, saving money on monthly bills.
  • Fewer Breakdowns: Small issues caught early prevent major, costly repairs during the coldest months.
  • Longer Lifespan: Annual care extends the life of your heating equipment.
  • Safety First: Inspections detect issues like gas leaks or carbon monoxide risks before they become emergencies.
Think of it as a health check-up for your home. Just as you see a doctor for preventive care, your heating system deserves the same kind of attention.

​Cape Cod’s Unique Winter Challenges 

On Cape Cod, winter doesn’t always come gently. Coastal storms, freezing rain, and sharp temperature swings can push heating systems to their limits. Homes here face unique risks:
  • Frozen Pipes: When temperatures drop suddenly, pipes can burst and cause serious water damage.
  • Ice Dams: Snow accumulation and poor insulation can lead to roof damage and leaks.
  • Power Outages: Winter storms can leave families without heat for hours—or days.
For homeowners, a tune-up is one way to strengthen your home against these seasonal stresses. But no matter how much you prepare, you can’t predict every outcome. That’s where Calfee Insurance comes in.

​The Second Layer of Protection: Insurance

A tune-up keeps your heating system running. Insurance keeps your home protected when the unexpected happens. Together, they form a complete approach to peace of mind.
​
Here’s how coverage steps in:
  • Homeowners Insurance: Protects against damage from frozen pipes, storm-related issues, or heating system malfunctions.
  • Liability Coverage: Offers protection if damage extends to neighboring properties or rental units.
  • Additional Living Expenses: Helps cover costs if winter damage forces your family to stay elsewhere temporarily.
At Calfee Insurance, we understand Cape Cod winters and the unique risks they pose. That’s why we tailor coverage to fit not just your home, but your lifestyle, too.

​Everyday Scenarios: Tune-Up + Insurance in Action

Picture this:
  • Scenario 1: You schedule your heating system tune-up in September. A technician catches a worn-out part, preventing a breakdown in January. Result? A warm home, no surprise expenses.
  • Scenario 2: Despite regular maintenance, a Nor’easter causes a pipe to burst. Your tune-up couldn’t prevent it—but your homeowners insurance covers the water damage, protecting your finances.
Both scenarios matter. Maintenance keeps your home running. Insurance keeps your family secure. Together, they give you the confidence to face winter without worry.

​Why Families Trust Calfee Insurance

For over 40 years, Calfee Insurance has been a trusted partner for Cape Cod families. We know the local climate, the coastal risks, and the challenges that come with New England living. More importantly, we know how to craft policies that give you real peace of mind.
Here’s why homeowners turn to us:
  • Local Expertise: We understand Cape Cod winters in a way that big national companies don’t.
  • Personalized Coverage: Every home is different. We help you find a policy that truly fits.
  • Reliable Service: We’re here when you need us, from answering questions to handling claims.
  • Community Connection: We’ve served Falmouth and beyond since 1980, building relationships that last.

​How to Get Ready for Winter

As September 25 approaches, take these simple steps to prepare:
  1. Schedule a Tune-Up: Call a licensed heating professional to inspect and service your system.
  2. Check Your Home: Look for drafts, insulate pipes, and clean gutters before the cold sets in.
  3. Review Your Insurance: Make sure your policy covers risks like frozen pipes, roof damage, and winter storms.
  4. Call Calfee Insurance: Let our team walk you through your coverage options to ensure nothing is overlooked.
National Tune-Up Day is a reminder that preparation today prevents stress tomorrow. By combining regular home maintenance with the right insurance coverage, you’re giving your family the gift of comfort and security through every Cape Cod winter storm.
✅ A warm home starts with a tune-up.
✅ Peace of mind starts with Calfee.
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​Because no matter how unpredictable the season may be, Calfee Insurance is here to help you stay warm, safe, and fully protected.
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National Tune-Up Day: Is Your Home Ready?

9/25/2025

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Every September 25, homeowners across the country are reminded to pause, prepare, and protect their homes for the colder months ahead. It’s National Tune-Up Day, a day dedicated to making sure your heating system is ready to handle the chill of winter. For families on Cape Cod, where ocean winds and sudden cold snaps are part of life, a tune-up isn’t just a smart choice—it’s essential.
​
At Calfee Insurance, we know that staying comfortable in winter requires more than just cozy blankets and hot cocoa. It takes preparation, maintenance, and protection. While a tune-up keeps your home running smoothly, the right insurance coverage ensures you’re prepared for whatever winter throws your way.

​Why National Tune-Up Day Matters

The idea behind National Tune-Up Day is simple: don’t wait until the first cold night to realize your heating system isn’t working. By scheduling a tune-up in late September, you give yourself time to fix small problems before they become big, costly emergencies.
Heating and cooling specialists recommend an annual inspection for good reason:
  • Efficiency: A well-tuned system uses less energy, which means lower heating bills in the months when your system works the hardest.
  • Longevity: Regular maintenance extends the life of your equipment, saving you from early replacement costs.
  • Safety: Tune-ups help identify issues like carbon monoxide leaks, faulty wiring, or ventilation problems that could put your family at risk.
  • Reliability: Nobody wants their heat to stop working during a Cape Cod cold snap. Annual service ensures your system is dependable when you need it most.
In short, tune-ups are about prevention—and every responsible homeowner knows prevention is always better than reaction.

​Cape Cod’s Unique Challenges

Living on Cape Cod means embracing the beauty of coastal life, but it also means facing unique homeownership challenges. Winters here can be unpredictable. Cold ocean winds, heavy snowfall, and freezing rain can put extra strain on your home’s heating system.

Beyond comfort, there’s a bigger concern: winter damage. Frozen pipes, ice dams, and storm-related issues are all realities homeowners face in Massachusetts. That’s why combining a yearly tune-up with strong homeowners insurance is the ultimate strategy for peace of mind.
​
A heating system that’s been serviced and maintained gives you one layer of protection. Home insurance from Calfee gives you another. Together, they create a safety net for your family, your comfort, and your home.

​From Tune-Ups to Total Protection

So how does an annual tune-up tie into insurance? It’s all about minimizing risks while preparing for the unexpected.
  • Tune-ups reduce risks: Regular maintenance lowers the chance of heating system breakdowns or damage caused by neglect.
  • Insurance covers the rest: Even with the best preparation, accidents and severe weather can happen. That’s where Calfee Insurance steps in—to protect your home and finances from those unpredictable moments.
For example:
  • A sudden Nor’easter knocks out power and damages your heating system.
  • Frozen pipes burst during a cold snap, flooding part of your home.
  • A fire hazard is triggered by a faulty heating component.
In each of these cases, a tune-up may help prevent the problem—or at least reduce the risks—but your insurance policy is what helps you recover.

​Everyday Peace of Mind

Think of a tune-up as your home’s annual check-up. Just like a doctor’s visit helps you stay healthy, a heating system inspection keeps your house prepared for seasonal stress. Pair that with a strong insurance policy, and you’ve covered both sides of the equation: prevention and protection.
​
Here’s what Cape Cod homeowners gain when they combine maintenance with insurance:
  • Comfort: You can relax knowing your home is ready for the winter chill.
  • Savings: Lower energy bills and fewer costly repairs.
  • Protection: Coverage against winter storms, frozen pipes, and other seasonal risks.
  • Confidence: A trusted local partner in Calfee Insurance who understands Cape Cod living.

​Why Choose Calfee Insurance

Since 1980, Calfee Insurance has been helping homeowners in Falmouth, Cape Cod, and across Massachusetts protect what matters most. Our local expertise means we understand the challenges that come with coastal living—icy winds, heavy storms, and everything in between.
​
Here’s what sets us apart:
  • Personalized Policies: We tailor coverage to your unique home and needs.
  • Local Knowledge: We know the risks specific to Cape Cod winters.
  • Trusted Service: Our team is here to answer questions, guide you, and make insurance simple.
  • Comprehensive Coverage: From heating-related risks to storm damage, we’ve got you covered.

P​repare Today for Peace Tomorrow

As National Tune-Up Day reminds us, being proactive makes all the difference. A yearly heating system check ensures your home is ready for the winter cold, while a strong insurance policy ensures you’re protected from whatever surprises the season may bring.
​
For Cape Cod families, that combination is the key to comfort, safety, and peace of mind.
So before the temperatures dip, take two simple steps:
  1. Schedule your heating system tune-up.
  2. Review your homeowners insurance with Calfee Insurance.
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​Because while a tune-up keeps the heat flowing, Calfee Insurance keeps your home and family protected—no matter how cold the Cape Cod winter gets.
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Buckle Up the Giggles, and Count on Calfee Insurance for the Rest

9/24/2025

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There’s nothing quite like the sound of children laughing in the backseat during a family drive. From silly car games to endless “Are we there yet?” questions, kids bring joy, curiosity, and a lot of energy to every ride. But while giggles and chatter make car trips memorable, safety is what makes them possible.
​
That’s the heart of Child Passenger Safety Awareness Week—a reminder that every ride matters, and every child deserves to be secured properly before the engine starts. At Calfee Insurance, we want parents to know: when you buckle up your little ones, you take care of their immediate safety, and when you insure with us, we help take care of everything else.

​Why Buckling Up Matters More Than Ever

Car crashes remain one of the leading causes of injury and death among children in the United States. The good news? The right use of car seats, booster seats, and seat belts can reduce the risk of injury by more than half. That’s a powerful statistic—but it only works if the seats are the right size, properly installed, and used consistently.
​
Think about it: just like you wouldn’t let your kids ride their bikes without helmets, you shouldn’t let them ride in the car without the right seat. The stakes are simply too high. And yet, studies show that nearly half of car seats are installed incorrectly. That’s why awareness campaigns like this week are so important—they encourage parents and caregivers to slow down, double-check, and ensure safety comes first.

​Beyond the Seatbelt: The Role of Auto Insurance

Of course, buckling up is only the beginning. Even the safest drivers face risks beyond their control—distracted drivers, bad weather, sudden stops, or unforeseen road hazards. That’s where auto insurance comes in.

At Calfee Insurance, we’ve seen firsthand how vital good coverage is for families. In the event of an accident, your policy isn’t just about fixing a car—it’s about covering medical bills, protecting against liability, and ensuring your family’s financial security.
​
So while you buckle up the giggles, you can count on us for the rest:
  • Peace of mind: Knowing your family is protected, no matter what happens on the road.
  • Financial security: Ensuring one accident doesn’t derail your household budget.
  • Local expertise: Coverage that understands the realities of driving in Falmouth, Cape Cod, and across Massachusetts.

​Growing Kids, Changing Needs

Kids don’t stay little forever, and their safety needs in the car evolve as they grow. What starts as a rear-facing car seat becomes a forward-facing one, then a booster seat, and eventually just the seatbelt itself. At each stage, the details matter—whether it’s the angle of the harness, the height of the booster, or the fit of the shoulder strap.
​
Insurance is a lot like that, too. As your family changes, so should your coverage. Maybe you bought a bigger vehicle for carpooling, added a new driver in the household, or upgraded your car seat setup. Each change is a good time to review your policy and make sure it’s still giving you the right protection. At Calfee Insurance, we help families adjust their coverage just like they adjust their kids’ car seats—making sure everything fits as it should.

​Everyday Scenarios That Show Why It Matters

Consider these everyday moments:
  • The School Drop-Off: You’re juggling backpacks, lunches, and coffee, all while managing the morning rush. A small fender bender could easily happen in the crowded school parking lot. Will your insurance cover the repairs without a headache?
  • Weekend Adventures: From soccer games to beach trips on Cape Cod, families are constantly on the move. Accidents can happen miles away from home, and you’ll want coverage that keeps you secure no matter where the road takes you.
  • Family Road Trips: Long drives often mean tired parents and restless kids. Even if you’re a careful driver, another motorist’s mistake could put your family at risk. That’s when a strong auto insurance policy makes all the difference.
In all these cases, buckling up is step one. Counting on Calfee Insurance is step two.

​Why Families Choose Calfee Insurance

Since 1980, families across Falmouth, Cape Cod, and Massachusetts have trusted Calfee Insurance to protect what matters most. Here’s why:
  • Local Knowledge: We understand the roads you drive, the weather you face, and the unique risks of coastal living.
  • Personalized Coverage: No cookie-cutter solutions. We’ll tailor your policy to fit your family’s specific needs.
  • Award-Winning Service: With decades of experience and recognition in the insurance industry, we’ve built trust by consistently showing up for our clients.

​Safety First, Coverage Always

The laughter of kids in the backseat is one of life’s sweetest sounds. But behind that joy is a responsibility: to keep them safe, no matter what. Child Passenger Safety Awareness Week is about more than car seats—it’s about building habits and making decisions that safeguard your family’s future.
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​Because while car seats protect your kids in the moment, Calfee Insurance protects your family for every mile ahead.
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Child Passenger Safety Awareness Week: Protecting What Matters Most with Calfee Insurance

9/24/2025

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Every September, families across the United States observe Child Passenger Safety Awareness Week, a national initiative that highlights one of the most important aspects of road safety: keeping children secure in the car. It’s a week dedicated to raising awareness about the correct use of car seats, boosters, and seat belts—because when it comes to protecting kids, every ride matters.
​
At Calfee Insurance, we believe safety on the road starts with prevention but continues with preparation. That’s why we’re proud to support this important awareness campaign while reminding families that safe driving habits, paired with reliable auto insurance, provide the strongest shield for the people you love most.

​Why Child Passenger Safety Matters

Car crashes are one of the leading causes of injury and death for children in the United States. But research shows that using the right car seat or booster seat can reduce the risk of injury by more than 50%. Unfortunately, many families unknowingly use seats that are improperly installed, the wrong size for their child, or not adjusted correctly.
​
That’s why awareness is critical. A few minutes spent checking whether a car seat is secured properly can mean the difference between tragedy and safety. This week serves as a reminder to slow down, double-check, and make sure that your most precious passengers are buckled in the right way—every single time.

​The Right Seat, The Right Fit

Child safety in vehicles isn’t a one-size-fits-all solution. Kids grow quickly, and their seating needs change over time. Here’s a quick breakdown:
  • Rear-Facing Car Seats: Best for infants and toddlers, as they provide critical head, neck, and spine protection.
  • Forward-Facing Car Seats: Designed for toddlers and preschoolers who have outgrown rear-facing seats, with harnesses that secure them safely.
  • Booster Seats: For school-aged children who are not yet big enough for seat belts to fit properly on their own.
  • Seat Belts: For older kids, but only when the lap belt fits snugly across the upper thighs (not the stomach) and the shoulder belt crosses the chest (not the neck).
Knowing which stage your child is in—and making sure their seat is installed correctly—can dramatically improve their safety on the road.

​Safety and Insurance: A Team Effort

At Calfee Insurance, we’ve seen firsthand that even the most cautious parents and safest drivers can face unexpected accidents. That’s why pairing safety practices with proper auto insurance coverage is so important.
Here’s how the two work together:
  • Prevention Through Awareness: Installing car seats correctly, using boosters, and teaching children proper seat belt habits reduce the likelihood of serious injury.
  • Protection Through Insurance: In the event of an accident, having comprehensive auto insurance ensures that medical bills, vehicle repairs, and liability concerns don’t overwhelm your family.
It’s not just about compliance with the law—it’s about peace of mind. Knowing you’re covered allows you to focus on what matters most: your family’s well-being.

​Why Families in Massachusetts Trust Calfee Insurance

Since 1980, Calfee Insurance has been a trusted partner for families across Falmouth, Cape Cod, and all of Massachusetts. Here’s why so many parents go with their gut and choose us:
1. Local ExpertiseWe understand the unique challenges of driving in Massachusetts, from busy highways to unpredictable Cape Cod weather. Our policies are tailored to fit the realities of local life.
2. Personalized CoverageNo two families are alike. We work with you to find an auto insurance plan that not only meets state requirements but also gives you the right level of protection for your household.
3. Commitment to SafetyFor us, insurance isn’t just about policies—it’s about people. Supporting Child Passenger Safety Awareness Week aligns with our mission to help families live more securely, on and off the road.

​Everyday Scenarios to Consider

Think about these common situations where instincts—and the right coverage—make a difference:
  • Family Road Trips: Long drives increase the chance of accidents. Are your kids’ car seats installed properly? Does your insurance cover you if an accident occurs far from home?
  • Daily School Runs: With busy morning traffic, even minor fender benders can lead to costly repairs. Do you have coverage that will minimize out-of-pocket expenses?
  • Unexpected Emergencies: Whether it’s a distracted driver or sudden bad weather, accidents can happen in seconds. Do you have a policy that protects your family’s medical and financial needs?

​This Week, Take Action

Child Passenger Safety Awareness Week is the perfect time to pause and make sure you’re doing everything possible to keep your kids safe:
  1. Check Your Car Seat: Ensure it’s the right size and properly installed. Many local fire departments or safety organizations offer free checks.
  2. Review Your Driving Habits: Set a positive example by always wearing your seat belt, obeying speed limits, and avoiding distractions.
  3. Update Your Insurance: If your policy hasn’t been reviewed in a while, now is the time. Make sure your coverage is keeping up with your family’s needs.

​Safety First, Insurance Always

Every ride with your children is precious. By combining safe practices like proper car seat use with reliable auto insurance, you’re building a safety net that goes beyond the everyday.
​
At Calfee Insurance, we’re here to support families across Falmouth, Cape Cod, and Massachusetts in creating safer roads and more secure futures.
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Because when it comes to protecting your most precious passengers, nothing matters more than getting it right—every time.
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    ​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.
     
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    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. 

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    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  
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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. 

​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


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Arthur D. Calfee Insurance Agency, Inc.


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​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.
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