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Does home insurance cover plumbing?

10/6/2022

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What’s one of a homeowner’s greatest enemies? Water (where it shouldn’t be).

When water enters your home, it can quickly cause a lot of damage. So, it’s important to understand which types of plumbing issues and water damage are covered by your home insurance policy.

Learn about the types of insurance for water damage as well as what is and isn’t covered:
 
Likely Covered

When it comes to coverage of water damage, the key indicators that an issue is likely covered are sudden and accidental.

Coverage of water damage would fall under dwelling coverage (the structure of your home) or personal property coverage (your belongings). A deductible and coverage limits may apply to personal property coverage — review your policy or contact us with questions.

Examples of water damage that are likely covered include:
  • A burst pipe or water heater ruptures.
  • Soaked drywall or ceiling.
  • Wet belongings such as a mattress, television or laptop, or furniture.
Something like mold cleanup may be covered.

Not Covered
 
On the other hand, water damage caused by issues that are not sudden or accidental, such as delayed maintenance and neglect, will not be covered. And homeowners insurance only covers the damage caused, not the source of it. You’ll have to replace or repair pipes and appliances yourself.
 
Examples of water damage that isn’t covered include:
  • Replacing or repairing the source of water damage, such as the pipe, water heater, etc.
  • Normal wear-and-tear.
  • Negligence or poor maintenance, such as not fixing a leaky toilet, dishwasher or fridge.
  • Flooding and sewer backup. (You’d need to purchase flood insurance separately or add water backup coverage to your existing homeowners insurance policy.)
Have questions about your homeowners insurance? Just reach out, and we’ll be happy to help.
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Insurance Explained: "Acts of God"

9/29/2022

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“Act of God” is a commonly used insurance term, but you may not know exactly what it means. When it comes to weather and other unpreventable events, it’s important to understand acts of God so you can protect your property by making sure you have the right insurance coverage.

Keep reading to learn what an act of God is, the types of events that qualify and how it all factors into home and auto insurance policies.
 
What does “act of God” mean?

Simply put, an act of God (in property and car insurance policy terms) refers to events, such as extreme weather, that are out of your control.

If it’s something you can’t prevent, it’s likely an act of God.

What types of events qualify as an act of God?

Examples of acts of God include windstorms, lightning strikes, hail storms, wildfires, hurricanes, tornadoes, floods and earthquakes. However, not every act of God is included in a standard insurance policy. You may need additional coverage.

Does auto insurance cover acts of God?  

Car insurance will cover acts of God if you sign up for comprehensive coverage. This type of auto insurance covers natural disasters as well as other types of damage not caused by a collision. For example, if your car is vandalized or an animal runs out in front of you, comprehensive coverage can help you pay for repairs or a total loss.

What about home insurance?

A standard homeowners policy usually covers some acts of God. Flooding and earthquakes are two common exceptions. If you live in a flood zone or an area prone to earthquakes, you’ll need separate coverage for those natural disasters.

Is an act of God the same as a force majeure?

The two terms are similar; however, the term force majeure is more commonly used in business and construction contracts. It refers to unforeseeable circumstances that prevent a contract from being fulfilled.

Have questions about your insurance coverage for acts of God? Just reach out, and we’ll be happy to help.
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10 Home Insurance Terms to Know

9/27/2022

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​Are you a home insurance expert or does the industry’s jargon leave you scratching your head?

Unfortunately, if you don’t understand everything that’s in your homeowners insurance policy, you could be vulnerable to expensive mistakes or unpleasant surprises later on. We’re here to help.

Keep reading for our list of 10 important, uncommon and often misunderstood home insurance terms to know about.
 
1. Adjuster: The claims adjuster investigates your claim, collects evidence and determines how much to pay for the property damage or total loss.

2. Declarations Page: This is the front page of your homeowner’s insurance policy. A declarations page summarizes basic information about your policy such as the policyholder, the home covered, and your coverage and premium amounts.

3. Indemnification: The compensation for your homeowners insurance claim.

4. Loss of Use: Coverage that pays additional expenses when a policyholder has to move out of their residence while repairs are made as a result of damage caused by a covered loss.

5. Negligence: A failure to take reasonable care or otherwise prevent damage to your home and property.

For example, you neglect to shovel the snow from your sidewalk and a neighbor injures themselves. Or, you don’t take a dead tree down and it falls on your property or your neighbor’s.

6. Occurrence: A single event or series of exposures that cause an injury or damage to your property. Examples include break-ins, fires, burst pipes and more.

7. Personal Umbrella Policy: An optional, additional liability coverage for your personal assets in the event of an accident on your property that exceeds the limits of your current homeowners coverage.

8. Replacement Cost: The actual cost of replacing your home and property in the event of damage or complete destruction. Replacement cost is different from the current market value of your home.

9. Scheduled Personal Property: If you have high-value personal property such as jewelry, artwork, antiques and more, this type of coverage can be added to your homeowners policy.

10. Subrogation: When someone else’s negligence leads to damage to your property (such as a neighbor’s tree falling on your roof), you can ask your insurer to settle the claim for you. Subrogation is the process of seeking payment recovery for you.

Have questions about your homeowners insurance? Just reach out, and we’ll be happy to help.
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Insurance Add-Ons for Homeowners

9/14/2022

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Does your homeowner’s insurance protect against all the possible threats to your property? If you’re worried about something that isn’t covered, you may be able to add it on. An insurance add-on, also known as a rider or endorsement, is an optional addition to your policy.

It’s a good idea to review your current policy to get clear on the types of damage you’re insured against. Learn about a few popular insurance add-ons to see if any of them make sense for you:
 
1. Sewer Backup

Having your sewer back up into your sink, toilet or drain is no fun. In addition to the ickiness factor, the repair bill can be expensive. You need a plumber to unblock the sewer, and you’ll probably have a mess to clean up.

Adding a sewer backup rider to your homeowner’s coverage will cover the costs associated with repairing the problem, replacing damaged belongings and removing wastewater from your home.

2. Home-Based Business

Do you run a small business out of your personal residence? Instead of purchasing a commercial insurance policy, you can add a home-based business rider to your policy. This will protect the personal belongings in your office space and cover any medical bills for business visitors who are injured on your property.

3. Swimming Pool
 
When it comes to home pools, you should check your existing coverage to see if damage to the structure of your pool is covered. If guests injure themselves in or around your pool, it’s likely not covered by your standard homeowner’s policy. You’ll have to add injury coverage as a rider.

4. Earthquake

As with hurricanes and floods, earthquakes are a type of natural disaster that require additional coverage. An earthquake rider will cover the costs of repairs and debris removal in the wake of an earthquake. In addition to your home, earthquake coverage protects other structures on your property such as a garage, shed, deck, etc.

5. Umbrella Coverage

This is a type of personal liability insurance that protects you and your family from major claims and lawsuits. Umbrella coverage may extend to other homes you own, as well as your vehicles and any watercraft.

Have questions about insurance add-ons? Just reach out, and we’ll be happy to help.
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5 Tips for Moving on a Budget

4/15/2022

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Moving to a new place is certainly exciting, but it can also be stressful — and expensive. Once you factor in things like movers, packing materials, truck rentals, gas and more, the costs can creep into the hundreds, maybe even thousands of dollars, for just a single move.

Are you planning a move soon? Don't want to break the bank in the process? Fortunately, a little forethought and creativity can help in that department.

Here are five ways to help reduce your costs and keep a tight rein on your moving budget:

1. Shop Around for a Moving Company
Moving companies typically charge hundreds of dollars for their services, plus extra for things like gas, mileage and larger items like pianos and furniture. If you're going to hire a professional mover, shop around first. Get quotes from at least three different moving companies, and double-check the line-item charges. Does the quote include the truck, all protective materials, gas, mileage and larger furniture items? Does it provide insurance coverage in case of damage to any items you’ll be moving? If not, learn what adding these will cost you if they become necessary.

You can also consider local “mom and pop” moving teams or using an online service that matches freelance labor with local demand to help with everyday tasks. These come at a cost, of course, but are typically more affordable than a large moving company that has less flexible pricing.

Another great way to reduce your cost is to schedule your move for the winter or fall, if that is an option for you, as that’s when demand for professional movers is typically low. Weekdays are also a good choice, as most people move on the weekends. A moving company may be willing to give you a better deal if you move during these low-demand times, as they may be less busy and looking to fill their schedule. It may be worth exploring these options.

Pro tip: Consider doing a little research by checking out organizations online that provide consumer reviews of businesses. Before booking your movers, look at their reviews to get a sense of a company’s track record with other customers and try to verify that the company is legitimate. Note that none of these websites is a guarantee of a perfect experience, but they may help you with your decision.

2. Consider a DIY Move
Depending on how much you have to move and how heavy or cumbersome the items are, you may want to consider forgoing professional movers altogether if it looks as if your belongings can be managed without hiring help. If you have dependable family and friends that are willing and able to help with the packing, loading and transport, you might consider offering pizza or a free meal as a token of your appreciation in exchange for their help.

If you have larger items, consider renting a small rental truck for a few hours. Get the smallest size possible and be sure to fill up the fuel tank before you return the vehicle. (It may cost you more if you leave the rental truck in need of gas that the moving company must take care of itself.

Pro tip: Plan so that you're not moving during rush hour. Heavy stop-and-go traffic can drive up your fuel costs as well as delay your move.

3. Only Move What You Need
It's important to pare down your belongings before a move. That means donating, selling or throwing away any items you no longer use, need or plan to use in the future.

For one, this reduces your load and, subsequently, your costs to move it. Additionally, if you’re motivated to sell some of your unwanted items, you can put those extra funds toward your moving costs — or use it toward the cost of furniture or decor for your new place.

Here are some options for downsizing your household before you move:
  • Donate to The Salvation Army, Goodwill or a local shelter.
  • Host a garage sale – perhaps collaborate on one with your neighbors!
  • Sell items on social media websites (be sure to check their requirements first).
  • Sell books and media to a used bookstore, or donate to your local library’s used book sale.

Offloading some belongings will also make unpacking easier (not to mention faster).
Pro tip: Measure your furniture and make sure it will fit in your new home, as well as through necessary access points. If it won't fit, sell it and consider using the funds for replacement furniture once you're in your new place.

4. Get Creative with Your Packing
Buying boxes, bubble wrap, tape and packing peanuts can get expensive. Instead of purchasing these items, take a more creative approach and use things you already have. Sheets, towels, blankets and cloth napkins all work great as packing materials, and they all need to be packed up anyway, so why not use them? You can also use your own duffel bags, luggage, purses and backpacks rather than cardboard boxes.

Once you run out of these items, try one of these resources for free or low-cost boxes:
  • Friends, family and neighbors.
  • Local grocery and liquor stores.
  • Big-box membership stores that sell bulk products.
  • Go online to research not-for-profit organizations or a marketplace that provides used cardboard boxes, to find affordable options that will work for your budget and at the same time may help a worthy cause.
  • Consider posting to your social media networks, or any neighborhood groups you might be a part of. There's a chance someone you know has recently moved and may be willing to give you their used boxes.

Pro tip: Start saving the plastic and paper bags from your shopping trips. These make good packing materials and can even be used to help protect fragile items.

5. Track and Deduct Your Expenses
If you're a member of the military (or someone in your household is) you may be able to deduct your moving expenses1 on your annual tax returns. To qualify, you'll need to be moving due to a permanent change of station.

If you're eligible, you'll be able to deduct the costs of moving, storage, travel, lodging and other expenses you incur due to the move.

Pro tip: Keep a detailed record of your moving costs if you qualify for this deduction. Save all your receipts and invoices and keep them somewhere safe until tax season rolls around.

Don't Forget
Are you moving to a new place? Don't forget to update your homeowners insurance policy​. Use your move as an opportunity to ensure all your belongings, valuables and new property are protected. Contact your insurance agent to learn more about home insurance coverage and how it can safeguard your new home and family.
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How smart thermostats can help protect your home

4/15/2022

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​Did you ever leave for work without turning down the heat on a blustery winter day? Or head out for a day trip in the middle of summer without dialing down the air conditioning for your dog? A smart thermostat can help you heat and cool your home more efficiently, monitor your energy consumption and let you control your home’s heating and AC systems from your smartphone, wherever you may be. These devices can help protect your home from damage caused by frozen pipes by alerting you if your home is getting dangerously cold. But there are also some important safety considerations.

How Smart Thermostats Work
Unlike traditional and programmable thermostats, many smart thermostats learn and adapt based on temperature, humidity and your family’s behavior, including when you and your family are likely to be home, awake and asleep. Your smartphone acts as a remote control for your heating, ventilation and air conditioning systems, allowing you to change the temperature from wherever you have a signal. Another benefit includes automated notifications if the temperature in your home rises or falls above or below a set threshold. For homeowners who travel frequently or who own a second home, these devices offer the ability to remotely monitor their property.

Key Considerations for Using Your Smart Thermostat
During cold temperatures, with a more traditional thermostat, you turn down the temperature when you leave your home and dial it back up when you return. With a smart thermostat app controlled by your phone, you are able, and might be more motivated, to turn down your system to a low temperature to conserve energy from wherever you may be. But be wary as turning the thermostat down too low could result in frozen pipes, Travelers Risk Control professionals warn. Be sure to keep the temperature at 55°F or higher to help keep the interior of the floor and wall cavities, where water piping can be located, above freezing temperatures.

As part of the Internet of Things, smart thermostats are also subject to hacking and privacy concerns. You may think there is less of a safety concern than with smart locks or other security-related smart devices, as there is less incentive for hackers to target these devices. However, smart thermostats can provide details about your daily comings and goings, which a thief could find insightful.

A prudent step would be for homeowners to make sure their devices are hard-wired to the Internet, rather than relying on a Wi-Fi connection. Choose a strong password and evaluate any specific safety concerns before you decide to buy a smart thermostat. As with any smart device, make sure it is compatible with your other devices or hub because not all devices communicate well with each other. The packaging for these smart devices may not offer detailed installation instructions, so you may want to consult a professional to help install them properly.
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5 Home Maintenance Tasks to Do for Spring

4/11/2022

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​With spring on the way, it’s time to think about protecting and maintaining your most valuable investment: your home. 

It’s a good idea to give your house a thorough cleaning and inspection inside and out, both to refresh your space and to spot any potential problems. 

Ready to get started? Be sure to add these five basic maintenance tasks to your spring checklist.

Examine Your Roof

Winter weather can take its toll on your roof. First, check for loose or damaged shingles, animal nests, loose metal strips, cracked caulking, signs of fungus or algae, and damage to the chimney exterior. Address smaller issues now before they turn into big problems later, and be sure to hire a professional if you’re not comfortable with ladders and heights.

Clear Out the Gutters

Again, this could be a DIY project depending on your skill level, or you could hire a professional cleaning service. Remove all debris from your gutters, then check for leaks. Finish by power-washing to clear out any remaining dirt.

Check for Cracks in the Foundation

Unfortunately, routine caulking isn’t always enough to prevent masonry cracks in your foundation. Hire a specialist for epoxy injection that will chemically bond the cracks.

Reseal Windows as Needed

A leaky window is bad for your energy bills. If the weatherstripping has been compromised or the caulk is cracked, make any needed repairs.

Get an HVAC Inspection

​Along with changing the filters regularly, have a professional come out for a tuneup every year.
Spring is also a good time to check your homeowners insurance to make sure you have enough coverage. Reach out today if you have questions about your policy.
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The Pros and Cons of Composite vs. Wood Decking

4/5/2022

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You’ve decided it's time to replace your outdoor deck and you’re ready to take it on as a DIY project, or you’ve decided to work with a licensed and bonded contractor for the heavy lifting. Before you start on such a critical project, it’s important to know that decking options have grown over the last several years, bringing new choices in composite plastic and wood products from which to construct your deck.

While they often cost more than wood, composite materials offer the promise of greater durability and less maintenance. Wood is still the most common choice for deck material, but it doesn't last forever. Composites may be more durable, but they might lack the natural look and color you are looking for. 

In June 2016, CBS News reported that while wood products still have a command on the market, composites are growing in popularity. Synthetic wood commands about 16 percent of the $7 billion-per-year deck market and appear to be gaining some traction.

From cost to maintenance and durability to look, there are many things to think about as you decide between composite or wood for your next deck. Here are some pros and cons to consider before you decide which product to buy.

​Calfee Insurance wants to help you protect the things that matter to you. We offer a wide breadth of products so you can be covered at home and on the road.

Pros of Composite Decking
  • There's less maintenance. Consumers must decide if the look and feel of natural wood is worth the work that goes into periodic staining, painting and replacing sections that have begun to decay. If you'd rather spend your time doing something else, composites are your choice. 
  • Composites come in a variety of colors. Unlike wood, composites don't need to be painted or stained to match your home's exterior. 
  • You can use recycled materials. Some composite companies are using recycled materials. This means your synthetic deck can be environmentally friendly.
  • The technology is improving. Some manufacturers now produce decking with a hard plastic shell bonded to composite boards to improve durability. According to Popular Mechanics, this makes the surface less prone to staining, fading, scratching and mold.
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How Does Renters Insurance Work?

3/10/2022

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 If you rent an apartment or home, you might not be thinking about insurance. After all, you don’t own the building and your landlord may have insurance in case something happens. But if your living room is damaged in a fire, your landlord’s policy likely won’t cover your brand new laptop or your vintage vinyl record collection.

Renters insurance helps protect your personal property inside your apartment — your electronics, furniture and clothing — unlike a homeowners policy that generally covers the building as well as what’s inside. In insurance speak, protection for your personal property is also known as “contents coverage.” And, as a renter, if you invest in updating items such as built-in appliances or bathroom fixtures, you may be able to apply a percentage of your contents coverage to repair or replace what has been damaged.

Renters insurance can also protect your personal possessions from theft, fire, vandalism and other hazards, both at home and anywhere in the world. So if there’s a theft at the hotel you’re staying at while on vacation, your renters insurance may help you replace your stuff the same way it would if your things were stolen from your apartment.

Protecting You, Along with What’s Inside Your Apartment

It’s not just your possessions that renters insurance coverage can help protect. It can also help protect you. In case a claim is brought against you or you are sued by a third party, your renters personal liability coverage can help to cover the legal costs and related damages. Many renters policies provide a minimum of $100,000 of financial protection that may help if someone claims injuries or damages while in your apartment, or caused by your personal activities or those of your household members.

For example, if you are found legally responsible for accidental fire damage to the building where you live, liability coverage in a renters insurance policy may provide financial protection. This liability protection may also extend to any vacation property that you rent.

Like homeowners insurance, renters insurance can pay for necessary additional living expenses if you are unable to live in your apartment due to a fire or other loss that your insurance policy covers. You can also opt to purchase additional coverage for your valuable possessions that might have limited coverage in a typical policy, such as jewelry, fine art or silver.

Things to Know About Renters and Landlord Insurance

So, while your landlord’s insurance policy may protect the building itself in which you live, it likely doesn’t cover anything inside your apartment that belongs to you. A renters insurance policy can help give you peace of mind that you — and your stuff — have protection from unexpected events, both at home and wherever your travels take you.
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How the Home Insurance Claim Process Works

3/3/2022

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Owning a home can mean dealing with the unexpected – from a tree falling on your roof to a pipe bursting in your bathroom. Because you likely can’t prevent all unwanted surprises, knowing what to expect if you have a homeowner’s claim can help give you some peace of mind.

While insurance carriers can handle claims in different ways, here are some basic steps in the process.
If Your Home Has Been Damaged:
  • Get the OK to reenter your home. If your home has extensive damage, do not go back inside until cleared to do so by emergency personnel or local government officials, even if the damage is confined to one room. 
  • Have your info ready. Typically, when you report your claim, you will be asked to provide your name, contact info, policy info, type and date of loss, and a description of the loss and of any injuries. If you have a home inventory, you may want to have it handy. Generally, your claim will be assigned a claim number and a claim professional, also called an adjuster, who will work with you to adjust your claim.
  • Take steps to mitigate further damage, such as buying tarps to cover holes in your roof. Be sure to save your receipts.

Beginning the Claim Process:
  • Report your claim. Contact your insurance company as soon as possible. The sooner you report it, the sooner your insurer may be able to help.
  • Inspecting the damage. The claim professional typically will call you to discuss what happened, what your insurance policy may or may not cover and make arrangements to inspect the damage in person. 
  • Document your losses. Using photos or videos can help you remember things that you may have lost. If you don’t have an inventory, look for photos of the damaged areas. You’ll want to make a list of everything damaged inside your home. 
  • Save your receipts. When making any necessary temporary repairs or living arrangements, protecting property from further damage or making temporary housing arrangements, be sure to save your receipts. Your insurer may ask you to provide them as part of the claim process. 

We are an insurance company that cares. We help you get the coverage that meets your needs to help protect the things that are important to you, so you don’t have to worry.

Relocating After a Loss:
  • Loss of use. If you are not able to stay in your home after a covered loss, your homeowners policy may reimburse you for additional living expenses, such as hotels, car rentals and other day-to-day normal expenses caused by having to temporarily relocate.
  • Temporary housing. If you need temporary living arrangements while your home is being restored after a covered loss, your carrier may refer you to a service provider or give you permission to stay at a hotel or rental property.
  • For more on loss of use coverage, click here. 

Resolving a Claim:
  • Timeframes vary. Every loss and insurer is different, so the length of time to resolve a claim varies. The claim professional’s inspection of the damage and details of the loss will help determine the time needed to settle a claim.  
  • Receiving payment. Once the claim professional determines that your policy covers the loss, you can generally expect to receive a check based on an estimate of the damage, either on the spot or soon afterward. 
  • If you are a customer, you can learn more about your property policy here.
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
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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


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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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.
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Photos used under Creative Commons from Dru Bloomfield - At Home in Scottsdale, stepnout
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