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

5 Tips for Buying a New Car

2/2/2022

0 Comments

 
Picture
It's appealing to buy a new car that looks great and is fun to drive, but it also pays to look beneath the surface for features that make your vehicle safe to drive and affordable to insure.

Car insurance costs are based, in part, on the model's safety history, the cost of vehicle repair or replacement, and the likelihood that the car will be stolen. Many insurers offer discounts for vehicles with features that reduce the risk of accidents and injuries.

Here are five tips to consider when shopping for a new car:

​1. Find Out the Cost of Insurance

Your insurance rates typically change when you acquire a new vehicle. Before you choose a model, the nonprofit Insurance Information Institute recommends that you ask your insurance rep how much it will cost to insure.1

If you choose a sporty model that attracts buyers who enjoy driving fast, it will likely cost more to insure. If the car you pick is very expensive, it will be costly to repair or replace, and that will drive up insurance costs. A model that's often targeted by car thieves may also cost more to insure.

2. Look for Safety Technology

One of the best things about buying a new car is all the new devices that have been developed in recent years to help drivers avoid accidents. Advanced safety features can include:
  • Adaptive cruise control. It detects vehicles ahead and adjusts speed to maintain a safe following distance.
  • Adaptive headlights. As you turn, these headlights adjust to light the road ahead.
  • Automatic parking. Sensors detect obstacles and adjust steering to guide vehicles safely into parking spaces.
  • Backup cameras. They help you see behind your car to avoid collisions. 
  • Forward collision warning. Radar, lasers or camera sensors detect when a crash is about to occur, alerting the driver. Some systems automatically apply the brakes.

3. Consider Vehicle Design and Size

Design characteristics are important when choosing a new car. Larger and heavier vehicles typically sustain less damage in auto crashes than small cars. Some small utility vehicles and pickups are prone to rollover accidents.

In addition to considering size, look for cars that have “crashworthy" designs. These cars have strong “safety cages," the section of the vehicle that protects the occupants. Make sure that the front and rear ends are “crush zones" that can absorb the impact of crashes.

You can look up car safety rankings by using the Insurance Institute for Highway Safety's online safety rankings tool.

4. Get Pre-Approved for a Car Loan

it is recommended that you get pre-approved for a car loan before you begin shopping for a new car. Check with several lenders to get the lowest interest rate. Once you have loan approval, you'll know how much you can afford to spend. You'll also have an interest rate you can use to compare with those offered by the new car dealer's financing. In some cases, the dealer may offer the best financing deal.
Before you begin shopping for a loan, gather documents to verify your income and the balances of any debts you may have.

5. Negotiate the Best Price

A good negotiator usually can get a better deal than someone who simply agrees to pay what the dealer is asking. Dealers may price their cars higher than the amount they actually expect to receive in preparation for negotiations.

If you take time to research prices online before you visit a dealership, you'll have a better idea of what a competitively priced car should cost. Often, the best time to buy is during end-of-the-year sales, when dealers need to make room for newer models, notes the Las Vegas Review-Journal.

Negotiate the actual price of the car rather than the monthly payment. Focusing on payments makes it easy to lose sight of the full amount you'll be paying over time, says Autotrader.

​If you can't get the price you want, don't be afraid to walk away. Remember there's always another car.
quote now and save
0 Comments

How to Protect Your Car From a Break-In

1/11/2022

0 Comments

 
Picture
Unfortunately, car break-ins happen, but you can take steps to minimize your risk and keep your vehicle and belongings safe. 

By taking a few minutes to review these tips now, you could avoid the hassle of repairing (or replacing) your car later.

Here are 10 smart ways to keep your vehicle safe from theft.

Don’t Make a Break-In Easy
  • Lock your car and never leave it running unattended, even if you’re just heading inside your home for a minute. 
  • Close your windows and sunroof when you’re not in the car.
  • Take your key fob with you, and don’t leave a spare house or car key hidden in your vehicle.

Plan Ahead (Even in Your Neighborhood)
  • Stow valuables in your trunk. 
  • Avoid driving or parking in high-crime areas. If you’re driving to an unfamiliar destination, research your route ahead of time.
  • Seek out well-lit parking spots, garages and lots. And if you park in your driveway at night, consider installing a motion-sensor light.

Hide What’s Important
  • Don’t leave anything a thief might want, including spare change, shopping bags or other personal belongings.
  • Take your garage door opener, wallet, purse, phone and keys out of your car. If necessary, hide your items — but not in an obvious place like the center console.
  • Keep your vehicle title in the house and your registration in your wallet.

What to Do After a Crime

If you’re the victim of a vehicle break-in or theft, take photos of the damage, file a police report and reach out for help filing an insurance claim. 

​We can also help you be more proactive. Get in touch to learn about additional coverage for your vehicle or home.
free quote
0 Comments

10 Ways to Save on Your Car Insurance

9/21/2021

0 Comments

 
Picture
Car insurance is a necessary expense for many people, and there are a variety of ways to save on this household cost once you know what it takes. To get started, gather your personal information, determine your budget and then consider the insurance coverage that you think will best safeguard you and your lifestyle.

Here are 10 ways to save on your car insurance:

1. Gather Specifics About Your Car and Its Primary Drivers

One way to begin the process of shopping for car insurance to get the most value for your money is to gather all of the information an insurance carrier needs to offer you the best possible rate.1 Start by compiling this basic information before you shop for quotes:
  • Make and model year of your car. You'll find it on your car's registration.
  • Vehicle Identification Number, or VIN. This is located on the inside of the driver's side door pillar.
  • Your car's safety features, including lane departure warning system, forward-collision warning and a back-up camera.
  • The anti-theft devices you use, including such mechanisms as an electronic tracking device or a steering wheel lock. Along with understanding the anti-theft features, you’ll want to take note of where you will be parking your vehicle. Consider the difference between parking your car in your garage versus parking it on the street or in locations outside of your home.
  • An estimate of how many miles you drive annually, plus your home and work addresses.
  • A list of everyone who will drive the car, their ages and any driver safety courses they have completed. Many insurance companies also want to know who in your household is of legal driving age, what their license status is (such as whether they have a learner’s permit or a suspended license, for example) and whether other drivers in your household have their own insurance. Depending on the state, this can help the insurance agent determine who should be listed and considered for your quote.

With this information, an insurance carrier can suggest the best coverage and rates for you and your lifestyle.

2. Research How Much Car Insurance Costs Before You Buy or Lease

When you buy or lease a car, it can be tempting to get a brand-new car or trade in your practical family vehicle for a sports car. Just keep in mind that the type of car you drive may impact your insurance coverage and rate. Be sure to check the cost of insurance before you finalize your car purchase or lease. Insurance rates may vary widely depending on the type of car, repair costs, safety record and many other subjective points.2

3. Research All Car Insurance Coverage Requirements

Each state has specific requirements for car insurance coverage.3 Coverage may become more complicated when a financial institution owns the vehicle you drive, so if you’re taking out a loan to make the car purchase, keep in mind that the lender may require you to have specific insurance that might otherwise be optional.4 One example is collision insurance that pays for the repairs of damage to your car sustained during an accident. Another example is comprehensive coverage, which typically covers the loss of the car for theft, fire and other damage due to non-accidents. Find out what coverage you need and the cost before you buy or lease.

4. Decide What Additional Coverage You Need

It may seem counter-intuitive but buying additional car insurance coverage may save you money.

 Weighing the options for additional coverage will help you to ensure you are well protected. Consider how your finances might be impacted if you're involved in an accident, and the injuries or damages exceed the amount covered by insurance. You purchase car insurance to help protect against the potential costs of a theft or accident, so be sure to talk to your insurance agent or carrier for professional guidance on the appropriate level of coverage for you.
In addition, there are other coverage options that may save you money. What if your financed car is totaled? Can you afford to pay the entire loan? In this case, you may want to consider GAP insurance, which covers the difference between what your vehicle is currently worth, which is what your standard insurance typically will pay, and the amount you owe on it.
Again, your insurance agent or carrier can help guide you through the available options.

5. Save Money with Accident Forgiveness

Having a clean driving record is one thing that typically can help you to qualify for lower premiums. But there are times when even a good driver can have an accident. You may want to consider looking into potential savings through Accident Forgiveness and Minor Violation Forgiveness, if available in your state. These optional features can help you avoid a premium increase following your first covered accident or minor violation. There are also other features that can help provide peace of mind, such as Decreasing Deductible and a Total Loss Deductible Waiver. Ask your insurance agent about these plans, if you fit the bill as being a responsible driver because of your good driving record. Some carriers – in select states – also offer a program that uses smartphone technology to capture and score driving behavior of drivers covered on your policy, which could result in savings both in your first term and at renewal. It’s another option to explore when you’re a good driver and looking to save on your car insurance.

6. Determine What Car Insurance You May Not Need

If you own an older car and are looking to trim your expenses, you may consider dropping collision and comprehensive coverage. You’ll want to consider how much your older car is worth when you consider the cost of your premium including collision and comprehensive coverage. Be sure to also consider your individual driving situation to base your cost-cutting efforts on all the factors that could help you determine if this is a wise choice for you. With an older car, you may be paying premiums that total more than your car's value. Typically, if your car is worth less than 10 times the insurance premium, it may not be cost effective to keep that part of your coverage.

7. Life Cycle Events Can Save Car Insurance Costs

​One thing you can count on is that life will sometimes bring changes in your lifestyle and circumstances, so it’s smart to consider how these changes may or could affect your car insurance costs. For example, did your child go away to school? Perhaps there’s a Student Away at School discount you can explore. Did you buy a home? Maybe you can explore a Multi-Policy Discount and get the benefit of bundling your policies. These are some of the events that may help lower your car insurance rate. It’s a good idea to notify your car insurance agent when you have a major life event such as these, to have a conversation to ensure you’ve got the best coverage for your current life needs.

8. Choose the Deductible That Is Right for You

Your car insurance deductible is the amount you’ll pay out of pocket before your insurance kicks in. The lower the deductible, the less you’ll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your car insurance premiums.
For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.

9. Compare Car Insurance Companies and Costs

​With many things we buy nowadays there are choices. Many of us wouldn't think of buying a product or service without comparing prices, the value you get for your money, and the reputation of the provider. You may want to consider using the same philosophy when you purchase car insurance. Do your homework and then talk to your insurance agent or carrier about what your needs are.8

10. Ask Your Agent About Available Discounts

It’s a good practice to check in with your insurance agent at least annually to find out if you are eligible for a better car insurance rate. You may receive discounts if you bundle coverage, such as buying insurance for your home and car from the same company. As mentioned earlier, safe driving records and extra safety features on a car may also lower rates. Ask your insurance agent about any new offerings or gaps in your coverage to determine the best coverage for you.

Now that you’ve got some ideas on how to save on your car insurance, you may want to check with your carrier to review your coverage. ​
free quote
0 Comments

5 Common Car Insurance Myths and Facts

9/14/2021

0 Comments

 
Picture
Maybe you’ve heard that people who drive red cars get pulled over more, so insurers charge them higher rates. Or that if you let someone else drive your car, their policy will cover an accident. 

Well, when it comes to auto insurance, you shouldn’t always believe what you hear. 

Get the facts about common car insurance myths, and reach out to make sure you have the coverage you need.

Myth #1: A ticket automatically increases your rate.

A moving violation doesn't have to increase your insurance rate unless it's a frequent occurrence. You may be able to take a driving course to maintain your rate and even pay less for your ticket.

Myth #2: Car color affects your insurance rate.

The truth is that the color of your vehicle most likely doesn’t affect your premiums. However, there are special cases where color can raise the value of your car — like a custom paint job — which could potentially increase your rates. 

Myth #3: Older cars need less coverage.

If you don't have a loan on your car, you may not have to carry comprehensive and collision coverage, only the liability coverage required by the state. But you may not want to drop or lower your optional coverage if your car still has significant value, as it would be pricey to repair or replace.

Myth #4: Someone borrowing your vehicle is covered by their own insurance.

Laws vary by state, but usually the insurance covers the vehicle. Before you drive someone else's car, verify that it's insured. Don't assume that your own policy will cover an accident. 

Myth #5: You only need the auto liability insurance that's required by law.

It's smart to buy more than the minimum, because personal liability for an at-fault auto accident can be expensive. Adding a personal umbrella policy for additional coverage can be a wise decision, especially when you have assets to protect.

​Get in touch today with any questions you have about your policy.
quote now and save
0 Comments

Leasing a Car: Pros & Cons

7/16/2021

0 Comments

 
Picture
When you ask, “Should I lease a car?” you likely hear one of two words: "Do" or "Don't.’

That makes it difficult to decipher the pros and cons of leasing a vehicle. The answer to the question, like many financial decisions, depends on a host of individual details including price, terms, driving record, insurance history and more.

Misinformation and even some long-held biases on the pros and cons of leasing add to the confusion. But leasing a car makes sense for many people.

Are you among them?

The best way to judge is to understand the pros and cons of leasing a car, how leasing a car works and what insider tips for leasing a car might help you get the best deal.
Here are some of the particulars you might consider:

What Is a Car Lease?

You'll often hear car leasing likened to apartment leasing. There are plentiful similarities. When you lease a car or an apartment, you lease the property for a specific amount of time. You and the property owner have a mutual understanding that the assets will be returned in good condition.

Yet there are significant differences between leasing a car and leasing property or even other equipment. Many car lease agreements last two to three years and often allow you to purchase the car at the end of the term. Car lease agreements limit the number of miles the vehicle can be driven annually, generally between 12,000 to 15,000 miles. Those that exceed the agreed upon mileage are often responsible for paying 10 to 25 cents per mile. You may be able to increase the number of miles you can drive without a per-mile penalty, but the cost can be steep.1

How to Lease a Car

On the surface, it's easy to understand how leasing a car works.

Review car dealership websites. Then call or visit the dealership. That's how you'll find lease specials and selections.

One major difference between shopping for a traditional car loan and a lease is what you'd focus your energy on. With a traditional purchase, getting the lowest sale price is typically the goal, as that price, combined with the annual percentage rate (APR) of your loan’s interest as well as taxes on the vehicle, will be spread out over the course of a multi-year loan When leasing, your energy is better spent trying to determine the lowest possible payment, including all taxes and fees,2 since the term of the lease is typically shorter than a car loan term.

Shop at different dealerships before you select a car to lease, just as you would if you bought a car.
One tip: Don't forget to ask for all lease terms, from each dealership, in writing so that you can compare all fees, prices and terms.

Why Do People Lease Cars?

Some people choose to lease a car because it allows them to drive higher-end cars for a more affordable monthly payment. Plus, a two- to three-year car lease allows drivers to easily and frequently upgrade their rides.

Of course, not everyone leases because they want luxury wheels. Lower down payments, warranties, and free routine maintenance are among the benefits lease customers often receive.
Another bonus is that depreciation of the car is deducted from the total lease cost you pay. And some who end their lease find the car is more highly valued than predicted. That may entitle the lease owner to a payout or credit.3 An easy way to determine if you might be entitled to a payout or credit would be to evaluate your vehicle's value online and compare that value to your payoff amount. If your car is worth more than your payoff, you may want to discuss this issue with the dealership, to find out if you may be due some cash.

Many dealerships also offer leases for used cars. Those are usually certified preowned (CPO) cars. Those cars are generally newer, have low mileage and were inspected and repaired or refurbished.

What Are Some of the Downside of Car Leases?

The obvious downside to leasing a car is that you don't own the car at the end of the lease. That means you don't have a trade-in if you decide to purchase a car. Those that routinely lease cars over many years may pay more money than they would if they had initially bought the car.
Another thing to consider: You can break an auto lease, but it will likely cost you a hefty fee. Yes, you can sign a long-term lease, but that may negate the monetary benefits of leasing instead of buying a car. That’s because leasing typically costs you more than what you might have taken out in a long-term car loan. You’ll want to do the math to figure out if the numbers work in your favor to sign a long-term lease.

Should I Buy My Leased Car?

Just as you consider many factors when you lease a car, you need to analyze the costs and benefits of buying the car at the end of the lease.

First, do you like the car? Do you enjoy driving it and does it suit your needs?

That may seem like a funny question but consider your lifestyle. If you leased a small, compact car so you can easily maneuver through traffic, for example, and are moving to a rural area where you may need a vehicle that has sturdier road handling capabilities, you may find the compact car unsuitable for your new location. On the other hand, you may not want to drive a large SUV if you are moving to a congested urban area.

Are you happy with the car's performance?

​Do you find gas mileage is reasonable?

Is the car always in the shop for warranty work? Analyze how much the car's upkeep will cost you if you do buy it.

If you decide the leased car is the one you want to buy, look at the residual value. How much is the car worth and how much would you pay to get out of your lease before it expires?4

There are various strategies to save money when buying your leased car, including financing through your bank or working directly with the lender (the creditor that owns the car). If you decide to buy the leased car, explore all options.

As with most personal financial decisions, the pros and cons of leasing a car come down to a host of individual factors. Analyze your needs and budget and then shop to make sure you make the right decision for you.
quote and save
0 Comments

5 Tips for a Great At-Home Car Wash

5/18/2021

3 Comments

 
Picture
How clean is your car? If you don’t wash it regularly, you could end up with costly maintenance and safety issues. 
You might occasionally run your vehicle through a car wash. But there are benefits to doing the job yourself — including preserving the paint and being able to get into every nook and cranny.
Ready to get started? Follow these five tips to wash your car thoroughly and correctly.
  • Wait for the right weather.

    Instead of washing your car on a sunny day, wait for overcast skies or park in a shady area. Direct sunlight can dry the soap too quickly, leaving streaks and spots behind. 

  • Work from top to bottom.

    Hose off your car first, and then use a soft sponge to apply auto shampoo. Starting at the top, wash and rinse your vehicle in sections such as the roof and windows, rear, sides and front. When you get to the front, take a rag and wipe down your windshield wipers. 

  • Don’t forget the wheels and undercarriage.

    Your wheel wells and bottom framework can collect dirt, grime and debris. Use a scratch-proof brush and a gentle cleaner for these areas.

  • Dry with a microfiber or chamois cloth.

    Letting your car air dry will leave streaks. Seal in the hard work you just did by carefully hand drying the exterior and windows.

  • Finish with wax.

    This extra step gives your vehicle a cleaner finish, protects against the elements and makes it easier to clean next time.
A clean car is a comfortable car, and a well-maintained one retains its value longer. Do you have questions about your auto insurance policy? Reach out anytime.

free quote
3 Comments

How to Choose Car Insurance in 4 Steps

3/16/2021

0 Comments

 
Picture
​Because there are so many companies selling car insurance, sorting through all the choices to find the right policy for you and your family can be a challenging task. With each carrier claiming to offer the best value, it's easy to feel confused. At first glance, all of the policies may look the same, but there are important differences you may need to consider. Your goal should be to find one that includes all the benefits you need at a competitive price. 

Follow these four steps for finding the best car insurance policy for you:

1. Determine the Level of Coverage You Need

The cheapest policy may not be the one you need. Inexpensive plans may not provide collision coverage, which pays to fix your own car following an accident. They may not offer comprehensive coverage, which covers damage to your car not caused by auto accidents, such as natural disasters, theft or vandalism.

The nonprofit Insurance Information Institute notes that all states except New Hampshire require property and bodily injury liability coverage.1 A policy that offers only the minimum amount of liability protection required by law may save you money, but it probably won't cover the legal claims that can stem from serious accidents involving property damage or injuries.

Remember that not everyone's insurance needs are the same. For example, if you're leasing a car, you may need gap insurance. If the car is totaled, gap insurance covers the difference between the actual cash value of the vehicle and the outstanding balance on your lease.

2. Review the Financial Health of Car Insurers

Everyone wants a good deal on their auto insurance policy, but low rates won't do you any good if the company you choose isn't around to pay its claims. 

Each ratings agency uses its own standards for evaluating insurance companies and their financial health. 

3. Compare Several Car Insurance Quotes

You can shop for insurance working directly with insurance agents. A report says getting multiple quotes is important because prices for the same level of coverage vary greatly.3 That happens because insurance prices are based on risk. Each carrier has its own formula for measuring the policyholder's risk for filing claims.

Some insurers rely heavily on insurance scores to determine how likely policyholders are to file claims. Other companies may give more weight to the type of car you drive and how expensive it would be to repair following an accident.

Where you live also can be a factor in determining what you pay for car insurance. If your ZIP code has a higher-than-average rate of car accidents, your insurance costs could be higher. 

4. Ask About Discounts

Many insurance companies offer discounts, notes. If you have a teen with good grades on your auto policy, he or she may qualify for a reduced insurance rate. Some insurers offer discounts to drivers who meet annual low-mileage thresholds or take driver education classes. If your car has an anti-theft device, that also could qualify you for a discount.

Be sure to ask to request a list of all available discounts. It could make a big difference in how much you pay for your policy.
quote and save
0 Comments

3 Things to Know About Pothole Damage

3/2/2021

0 Comments

 
Picture
Do you know how damaging potholes can be? 

Unfortunately, this common road hazard can potentially send your vehicle to the repair shop. 

Here’s what to know if you ever find yourself dealing with pothole problems. Plus: Find out how you might be able to avoid them in the first place.
What kind of damage can a bad pothole cause?
  • Tires: They could sustain internal damage that can’t be patched or repaired. Check your dashboard for the tire pressure light to see if you’re losing air.
  • Wheels: As with tire damage, a bent or cracked wheel rim may need to be replaced.
  • Alignment: Does your car seem to pull to the right or left after you hit a pothole? You could be looking at a bent steering or suspension part in your alignment. Get it checked out to be sure. 

Thinking of filing a pothole damage claim?

Your policy may cover pothole damage, but such a claim is likely to be considered a single-car accident, which means the fault gets assigned to you. Having an at-fault accident on your record could cause your rates to go up. 
Before you file a claim, check your deductible to see if the cost of repair will exceed your out-of-pocket amount. If not, there’s no benefit to filing a claim. Not sure what to do? Reach out to us for help weighing your options.
How can you avoid pothole damage?

Pothole season may be unavoidable, but that doesn’t mean potholes themselves can’t be avoided. Here are a few tips for preventing pothole damage: 
  • Keep your eyes on the road. The best way to avoid hitting a pothole is to see it coming up so you can switch lanes or drive around it.
  • Use a navigation app with pothole warnings. Waze and other GPS apps now have this feature.
  • Beware of puddles. It might actually be a pothole full of water, so go around or drive slowly through it. 
  • Mind your speed. The slower you go over a pothole, the less likely you are to sustain damage. 

​Have questions about pothole damage claims or your policy in general? Reach out today.

save on your car insurance here
0 Comments

How to Get the Most Out of Your Car

1/27/2021

0 Comments

 
Picture
Send me a Home Insurance Quote Cape Cod Massachusetts -How to Get the Most Out of Your Car

​Whether your car is brand new or getting up there in mileage, you probably want it to keep running smoothly for as long as possible.
You already know that maintenance tasks, driving habits and more can all affect your vehicle’s overall health. But are you doing everything you can?
Here are a few obvious and not-so-obvious ways you can give your car the attention it needs to keep you safe and comfortable for another few years of driving.

1. Stick to the right maintenance schedule.
Regular maintenance, including basic oil changes and brake, fluid and filter checkups, can help keep your vehicle running strong. Your trusted mechanic and your owner’s manual can help you follow the recommended maintenance schedule.

2. Avoid short trips.
Frequent, short drives may not give your engine a chance to reach optimal operating temperature and can be hard on your vehicle. When you can, group your errands and other short trips as much as possible.

3. Keep it clean.
Help protect your car’s interior and exterior from wear and decay by cleaning both regularly. Remember, the tires and undercarriage should also be washed regularly to prevent corrosion and other issues. 

4. Practice smart driving habits.
Everyday careful driving can also go a long way toward prolonging the life of your car. Follow the speed limit, avoid sudden braking and acceleration, and of course, avoid distracted driving.

5. Stay observant.
Use your senses to look out for anything out of the ordinary and be sure to follow up with your mechanic if you notice any strange sounds, smells or problems with your tires. 
Have questions about your vehicle coverage or anything else? Reach out anytime. 

save now on your car insurance
0 Comments

Cleaning and Disinfecting During and After a Pandemic

11/12/2020

0 Comments

 
Picture
  
With the ongoing COVID-19 pandemic, it is crucial to review and update policies for cleaning and disinfecting your facility, equipment and vehicles. It is recommended that you increase the frequency of cleaning and disinfecting high-touch surfaces, which may include door pushes, handles, touchpads, elevator buttons, faucets, sinks and electronic devices, as well as common areas, such as entryways, lobbies, hallways and restrooms. The Centers for Disease Control and Prevention (CDC) offers steps for properly cleaning and disinfecting facilities.

​If infected persons have been in your facility, the CDC provides additional considerations:
  • Close off areas visited by the infected persons. Wait 24 hours (or as long as practical) before cleaning and disinfecting.
  • Cleaning staff should clean and disinfect all areas and high-touch surfaces.
  • Additional cleaning/disinfecting may not be necessary if more than seven days have passed since the infected persons have visited or used your facility or vehicles.

How to Clean and Disinfect

Hard (Non-porous) Surfaces

Non-porous surfaces should be cleaned using a detergent or soap and water prior to disinfection.
  • The EPA provides a list of disinfectants for use against SARS-CoV-2, commonly known as coronavirus, the virus that causes COVID-19. This list outlines appropriate contact times (amount of time surface should be visibly wet) and surface types on which approved disinfectants may be used.
  • Note that new cleaning products should be used as instructed, with appropriate personal protective equipment (PPE), such as gloves. Make sure employees are properly educated on how to safely remove and dispose of PPE.
  • Diluted household bleach solutions can be used if appropriate for the surface. Follow manufacturer’s instructions for application, ensuring a contact time of at least one minute and allowing proper ventilation during and after application. Check to ensure the product is not past its expiration date and never mix household bleach with ammonia or any other cleanser as the mixture can create hazardous vapors.

Porous Surfaces

When cleaning and disinfecting soft (porous) surfaces like carpets, drapes and other woven fabrics, first clean these surfaces with soap and water or other suitable cleaners. Avoid shaking drapes to make sure you do not make the virus airborne. Then, if possible, launder these items following the manufacturer’s directions. When laundering items, use the warmest water setting appropriate for the items and dry completely. Otherwise, use EPA-registered disinfectants for SARS-CoV-2 for porous surfaces. 
Electronics
Clean and disinfect electronics regularly, especially if they have been used by an infected person. Electronic devices may include cell phones, tablets, touchscreens, keyboards, remote controls and ATMs. Remember to focus on frequently touched surfaces. When cleaning and disinfecting electronics – both shared and personal – follow the manufacturer’s instructions on appropriate products to use. If there are no cleaning and disinfecting guidelines provided by the manufacturer, consider using disinfectant products such as wipes or sprays with at least 70 percent alcohol.
Non-Emergency Vehicles

Develop and consistently follow cleaning and disinfection procedures for vehicles, with a focus on commonly touched surfaces. Conduct these procedures at the beginning and end of each driver’s shift. Maintain adequate ventilation of the vehicle while cleaning and disinfecting. Refer to the sections on PPE and hand hygiene below.
  • Where visible dirt is present, first use a soap and water solution to clean hard non-porous surfaces within the vehicle. Examples of these surfaces include seats, armrests, door handles, seat belt buckles, light and air controls, doors, windows and grab handles. Following the cleaning, utilize EPA-registered disinfectant products that have qualified for use against SARS-CoV-2, and that are suitable for the material. Follow the manufacturer’s instructions regarding concentration, application method and contact time for all disinfectants.
  • For seats and other porous materials, first remove visible contamination and clean with appropriate products indicated for use. After cleaning, disinfect with EPA-registered products.

Hand Hygiene

Wash or sanitize hands immediately after cleaning and disinfecting, removing gloves or other PPE, or coming into contact with an infected person. To thoroughly wash hands, use soap and water for 20 seconds. When washing hands is not possible, and as long as hands are not visibly dirty, use an alcohol-based hand sanitizer made of at least 60 percent alcohol. Other key times to clean hands are after coughing, sneezing, blowing your nose or using the restroom; prior to preparing food or eating; or after public visits or interactions.

Personal Protective Equipment (PPE)

It is important to develop and implement procedures and policies that address the use of PPE.
  • Require cleaning staff to wear disposable gloves and, in some cases, disposable coveralls/clothing for cleaning and disinfection processes, including handling trash.
  • Ensure PPE materials are compatible with the disinfectant and/or cleaning products being used.
  • Follow manufacturer recommendations for additional PPE requirements.
  • Remove gloves and disposable clothing carefully and dispose of them properly to prevent contamination of the wearer or surrounding areas. Perform hand hygiene following the removal of gloves.
    • For example, wear goggles or face shields in addition to safety glasses if there is a splash risk.
    • Coveralls, aprons or work uniforms can be worn if disposable clothing is not available. Launder washable (reusable) clothing following use and frequently perform hand hygiene after handling laundry.
Additional Considerations for Employers
  • Work with your local and state health departments to ensure you are following appropriate guidance and protocols for COVID-19.
  • Prior to conducting cleaning or disinfecting tasks, develop policies and provide training to staff. Training should cover topics including when to use PPE, what PPE is needed, how to properly put on and remove PPE, and how to properly dispose of PPE.
  • Review the Occupational Safety and Health Administration (OSHA) standards covering Hazard Communication and Bloodborne Pathogens for additional requirements that may apply in your specific case.
FREE QUOTES
0 Comments
<<Previous
    Picture
    Picture

    better Insurance 
    ​for 
    HomeOwners

    (508)540-2601

    Yes, Send Me a Quote!
    Picture

    Compare home insurance quotes today and save

    Build a Custom Policy & Make the Switch! 

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

    RSS Feed

    Picture

    Real-Time PricinG

    Insurance coverage:

    Wind Damage

    Fire Loss

    Water Damage

    Protect your home and
    belongings
     

    Insurance Products

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

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

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

    Categories

    All
    1 Acre Land
    23 Asa Meiggs Road
    23 Asa Meiggs Road Sandwich
    Además Necesita De Atención Amor Y Comprensión.
    Además Necesita De Atención Amor Y Comprensión.
    Adversario
    Affordable Car Insurance
    Affordable Home Insurance
    Agreed Value
    Air Mattress
    Alternative To The Fair Plan
    Amor
    Antique Cars
    Antique Clocks
    Arbella
    Arrange Accessory
    Art
    Arte Y Entretenimiento
    Arts
    Asa Meiggs
    Asa Meiggs Asa Meiggs Rd
    Asa Meiggs Rd
    Asa Meiggs Road
    Asinos
    Asset Protection Strategies
    Aston Martin
    Auto Insurance
    Average Rates
    Awnings
    Azar
    Backgammon
    Bathroom Accessories
    Bathroom Decor
    Bathroom Design
    Bathroom Furniture
    Bathroom Linen
    Bathrooms
    Battle Against Telemarketers
    Bedroom Accessories
    Bedroom Furniture
    Bedrooms
    Bedroom Sets
    Bentley
    Best Cape Cod
    Best Car Insurance
    Best Home Insurance
    Best Home Insurance Quotes
    Best Insurance
    Best Policy
    Best Quality
    Better Wind Coverage
    Bmi
    Boat Claim
    Boat Coverage
    Boat Insurance
    BOSTON
    Boston On Lockdown
    Bourne
    Bourne Flood
    Bourne Insurance Agent
    Bourne Insurance Agent Falmouth Insurance Agent
    Bourne Open House
    Brazil
    Brazilian
    Buidlings
    Buildings
    Buildings Insurance
    Business Insurance
    Businnes Insurance
    Cabinet Refinishing
    Calfee
    Calfee Insurance
    Canvas Awnings
    Cape Cod
    Cape Cod Car Insurance
    Cape Cod Dream Home
    Cape Cod Enterprise
    Cape Cod Etc.
    Cape Cod Flood
    Cape Cod Flood Insurance
    Cape Cod Gala
    Cape Cod Home
    Cape Cod Home Insurance
    Cape Cod Homeowners Insurance
    Cape Cod Insurance
    Cape Cod Insurance Agent
    Cape Cod Investment Products
    Cape Cod Land
    Cape Cod Motorcycle Insurance
    Cape Cod Online Policy
    Cape Cod Open House
    Cape Cod Real Estate
    Cape Cod Real Estate Cape Cod Waterfront
    Cape Cod Times
    Cape Cod Waterfront
    Cape Cod Waterfront Property
    Car
    Car4
    Car Discounts
    Car Insurance
    Carpets And Rug
    Cars
    Car Safety
    Casinos
    Cataument Open House
    Centerville Insurance Agent
    Changes To The Fair Plan
    Chatum Insurance Agent
    Cheap
    Cheap Car Insurance
    Cheap Home Insurance
    Cheap Home Insurance Quote
    Cheap Insurance
    Chef Roland
    Chime
    Claim
    Claim Reporting
    Claims
    Classic Car Insurance
    Classic Cars
    Cleanup
    Clear Explanation
    Clock Collecting
    Clockmakers
    Clocks
    Closing
    Closing Costs
    Coffee
    Coffee Table
    Colisão
    College Savings 529 Plans
    Community
    Competition
    Compra De Automóveis
    Computer Insurance
    Contemporary Platform Beds
    Content Insurance
    Contents
    Contents Insurance
    Coverage For Newly Acquired Cars
    Cqa
    Culture
    Cyber Liability Insurance
    Damage
    Dating
    Davidson Calfee
    Decor
    Decorate
    Decorating
    Decorating Ideas
    Decorating Styles
    Decorating Tips
    Dennis Insurance Agent
    Dept Of Motor Vehicles
    Design
    Disability Income Product
    Disability Insurance
    Disaster
    Dmv
    Do Not Call List
    Doug The Quahog
    Drivers
    East Falmouth Open House
    Entertainment
    Entretenimiento
    Estate Planning
    Estate Planning Wealth Transfer Planning
    Events
    Exotic Cars
    Fabric Ideas
    Fair Plan
    Falmouth
    Falmouth Artist Guild
    Falmouth Events
    Falmouth Flood
    Falmouth Home Insurance
    Falmouth Insurance Agent
    Falmouth Open House
    Fast Cars
    Fat
    Fema
    Ferrari
    Fhs
    Finance
    Financial Planning
    Financial Services
    Fire
    Flood
    Flooding
    Flood Insurance
    Flood Insurance Quote
    Flood Insurance Quotes
    Flood Insurance Rate
    Flood Insurance Rate Map
    Flood Insurance Rate Maps
    Flood Insurance Rates
    Flood Insurance Requirements
    Flood Insurance Study
    Flood Insurance Zones
    Foam Mattress
    Free Interior Design Tips
    Free Term Life Insurance Quote
    Full Cape
    Full Cape 1 Acre Land
    Gallery
    Games
    Gardening
    General Liability
    Glass Coffee Table
    Glass Coverage
    Glass Insurance
    Glass Repair
    Glider Rocker
    Gome
    Grandfather Clocks
    Grundy Insurance
    Guardian
    Hagerty
    Health Insurance
    Hide Your $$$
    Highest Liability Limits
    Hoime
    Hom
    Home
    Home Accessories
    Home And Car Insurance
    Home Decor
    Home Decorating
    Home Decorating Ideas
    Home Decorating Reviews
    Home Decorating Tips
    Home Decoration
    Home Flood Insurance
    Home Hazard Insurance
    Home Ideas
    Home Improvement
    Home Insurance
    Home Insurance Agencies
    Home Insurance Agency
    Home Insurance Agent
    Home Insurance Boston
    Home Insurance Calculator
    Home Insurance Cape Cod Home Insurance Best Cape Cod Home Insurance Marthas Vineyard Insurance Falmouth Home Insurance Mashpee Home Insurance Sandwich Home Insurance Bourne Home Insurance North Falmouth Home Insurance Marion Home Insurance Plymouth Home I
    Home Insurance Claims
    Home Insurance Companies
    Home Insurance Company
    Home Insurance Company Ratings
    Home Insurance Comparison
    Home Insurance Comparisons
    Home Insurance Contents
    Home Insurance Cost
    Home Insurance Costs
    Home Insurance Coverage
    Home Insurance Estimate
    Home Insurance Estimator
    Home Insurance In Ma
    Home Insurance In Massachusetts
    Home Insurance In New York
    Home Insurance Ma
    Home Insurance Massachusetts
    Home Insurance New York
    Home Insurance Nyc
    Home Insurance On Cape Cod
    Home Insurance Online
    Home Insurance Policy
    Home Insurance Premiums
    Home Insurance Prices
    Home Insurance Providers
    Home Insurance Quote
    Home Insurance Quote Online
    Home Insurance Quotes
    Home Insurance Quotes Ma
    Home Insurance Quotes Massachusetts
    Home Insurance Quotes Online
    Home Insurance Rate
    Home Insurance Rates
    Home Insurance Ratings
    Home Insurance Review
    Home Insurance Reviews
    Home Insurance Ri
    Home Insurances
    Home Insurer
    Home Lighting
    Home Maintenance Insurance
    Home Mortgage Insurance
    Homeowner
    Home Owner
    Home Owner Insurance
    Homeowner Insurance
    Homeowner Insurance Calculator
    Home Owner Insurance Company
    Home Owner Insurance Quote
    Home Owners Insurance
    Home Owners Insurance Company
    Home Owners Insurance Quote
    Home Owners Insurance Quotes
    Home Renters Insurance
    Home Repair
    Home Repair Insurance
    Home Warranty Insurance
    House
    Household Cover
    House Insurance
    Hpme
    Hurricane
    Hurricane Arthur
    Hurricane Deductible
    Hurricane Florence
    Hurricane Insurance
    HURRICANE JOAQUIN
    Hurricane Preparedness Begins At The Foundation
    Hurricane Season Safety Lessons
    Hurricane Shutter
    Hurricane Shutters
    Hurrricane
    Hyannis Insurance Agent
    Hyannis Open House
    Important Policy
    Incluindo Os Seguros De Vida
    Instant Life Insurance Quote
    Insurance
    Insurance Agent
    Insurance Companies
    Insurance For Cape Cod
    Insurance News
    Insurance Reviews
    Insurance Weather
    Interest
    Interior Decorating
    Interior Design
    Invest
    Investing
    Investment Products
    Investments
    Iphone App
    IRAs/IRA Rollover
    Irene
    Isto Aplica¬ Se A Todos Os Tipos De Seguros
    Isto Aplica¬ Se A Todos Os Tipos De Seguros
    Jn Phillips Auto Glass
    Juegos
    Kitchen
    Kitchen Cabinet Refinishing
    Kitchen Decorating
    Kitchen Design
    Kitchen Remodeling
    Kitchens
    Landscape Lighting
    Landscaping
    Leisure
    Liability
    Life
    Life Assurance
    Life Cover
    Life Insurance
    Life Insurance Advance
    Life Insurance Policies
    Life Insurance Policy
    Life Settlement
    Life Settlements
    Lifestyle Tips For Artful Living By Shirley Anderson
    Lighting
    Local Insurance
    Local Life Insurance
    Local School News
    Long Term Care Insurance
    Long Term Care Insurance Disability Insurance
    Love
    Low Cost Term Life Insurance
    MA
    MA Cape Cod Real Estate Cape Cod Waterfront Asa Meiggs Asa Meiggs Rd Full Cape 1 Acre Land
    Maia Files Complaint With The Division
    Martha's Vineyard
    Marthas Vineyard Home Insurance
    Maserati
    Mashpee
    Mashpee Flood
    Mashpee Home Insurance
    Mashpee Open House
    Massachusetts Property Insurance Underwriting Association
    Massdot
    Mass Property
    Mattress
    Memory Foam Mattress
    Minna Street Life Free Newsletter
    Mobile Apps
    Mold
    Money
    More Wind Coverage
    Mortgage Protection
    Motorcycle
    Motorcycle Safety Course
    MPIUA
    Mutual Funds
    Nantucket
    Narrragansett
    Natural
    Networking
    New Car
    New Seabury Open House
    "Non-Chaluxe" Defines Glamour Without Glitz
    Non Profit Organizations
    Non-Profit Organizations
    North Falmouth Insurance Agent
    North Falmouth Open House
    No Wind Deductible
    Ocio
    Online Life Insurance Quote
    Open House
    Ordinance Or Law
    Os Seguros Automóvel E Os Seguros De Habitação.
    Os Seguros Automóvel E Os Seguros De Habitação.
    Outdoor Lighting
    Parejas
    Partial Loss
    Passing On The Family Business
    Payout
    Pendulum Clock
    Personal
    Personal Possessions
    Personal Possessions Insurance
    Pet Coverage
    Pet Insurance
    Phil Farrell
    Platform Bed Frames
    Platform Beds
    Pocasset Open House
    Police
    Policies
    Politics
    Pond Front Real Estate
    Prêmios De Seguro
    Premium
    Premiums
    Prepaid Loan Interest
    Prepardness
    Prepare
    Property
    Real Estate
    Real Estate Profits
    Relationships
    Rentals In Columbus Ga
    Rentals In Columbus Georgia
    Renters & Auto
    Renters Insurance
    Retirement
    Retirement Planning
    Retractable Awnings
    Reviews For Massachusetts Home Insurance
    Rising
    Risks
    Road Safety
    Rocking Chair
    Rocking Horse
    Rolls Royce
    Safe Driving
    Safe Road Alliance
    Safety Insurance
    Sandwich
    Sandwich Home Insurance
    Sandwich Real Estate
    San Francisco Artists
    San Francisco Designers
    Save On Car Insurance
    Security System
    Seguro Auto
    Seguro De Carro
    Seguro Residencial
    Ser Padre O Madre No Es Tan Fácil Como Parece. Se Necesita Reconocer Que La Persona Que Traemos Al Mundo Es Una Persona Que Necesita De Ayuda Por Varios Años
    Shopping Online Insurance
    Shutters
    Single Premium Life Insurance
    Sitios De Internet
    Social Security Benefits Review
    Squeeze
    State News
    Stay At Home
    Staying Power
    Step By Step Guide
    Stop Work Orders
    Storm
    Strong Reputation
    Summer Gala
    Table
    Tablero
    Tall Case Clock
    Tax-deferred Annuity
    Teen Driving
    Teen Licensing
    Term Life Insurance
    Theft
    Traffic
    Training
    Travelers
    Trends
    TROPICAL STORM JOAQUIN
    Trusted Choice
    Universal Insurance
    Universal Life Insurance
    Universal Property
    UPCIC
    Upc Insurance
    Vandalism
    Variable Annuity
    Visit Cape Cod
    Volunteer
    Watercraft Coverage
    Wealth Transfer Planning
    Weather
    West Falmouth Insurance Agent
    West Falmouth Open House
    What To Do When A Spouse Dies
    Whole Life
    Whole Life Insurance
    Wind Deductible
    Wind Insurance
    Window Awnings
    Window Treatments
    Wind Shield Repair
    Wind Shield Replacement
    Wood Clock
    Wood Platform Beds
    Workers Comp
    Yacht Insurance
    Yarmouth Insurance Agent

    Picture

    Archives

    December 2022
    October 2022
    September 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    November 2020
    October 2020
    September 2020
    August 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    October 2019
    May 2019
    April 2019
    February 2019
    January 2019
    September 2018
    August 2018
    June 2018
    April 2018
    February 2018
    January 2018
    April 2017
    March 2017
    February 2017
    December 2016
    November 2016
    September 2016
    May 2016
    April 2016
    March 2016
    February 2016
    December 2015
    November 2015
    October 2015
    September 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    October 2013
    September 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    April 2012
    March 2012
    December 2011
    November 2011
    August 2011
    July 2011
    December 2010
    November 2010
    October 2010
    August 2010

    Picture

    Author

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

    Archives

    December 2022
    October 2022
    September 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    November 2020
    October 2020
    September 2020
    August 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    October 2019
    May 2019
    April 2019
    February 2019
    January 2019
    September 2018
    August 2018
    June 2018
    April 2018
    February 2018
    January 2018
    April 2017
    March 2017
    February 2017
    December 2016
    November 2016
    September 2016
    May 2016
    April 2016
    March 2016
    February 2016
    December 2015
    November 2015
    October 2015
    September 2015
    April 2015
    March 2015
    February 2015
    January 2015
    December 2014
    November 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    October 2013
    September 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    April 2012
    March 2012
    December 2011
    November 2011
    August 2011
    July 2011
    December 2010
    November 2010
    October 2010
    August 2010

    Picture
    Picture
    Picture
    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
Picture
Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

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


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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

FLOOD

HOME
BOAT
BUSINESS
LIFE
OFFICES
CLIENT SERVICES
NEWS

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

Falmouth Homeport Office - 336 Gifford Street  Falmouth, MA 02540      *      North Falmouth Village Office - 121 County Road  North Falmouth, MA 02556
​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
© 2022 Copyright, Arthur D. Calfee Insurance Agency, Inc.
Calfee Cares.®  Privacy Policy
Photos used under Creative Commons from Dru Bloomfield - At Home in Scottsdale, stepnout
  • HOME
    • Send me a Home Insurance Quote >
      • Thank You! Home Insurance Rates Are On Their Way!
    • FLOOD Insurance, Massachusetts >
      • Pay Your Bill Online
      • Videos - Cape Cod Home Insurance
    • Cape Cod Home Insurance
    • Pay Your Home Insurance Bill Online
    • Ordinance or Law Coverage
    • How to Prevent a Claim on your Home Insurance Policy
    • Videos - Cape Cod Real Estate Tips >
      • Videos - How to Qualify a Tenant for your Cape Cod Home >
        • Videos - Cape Cod Real Estate Investing
    • Cape Cod Massachusetts Arbella Insurance Discounts
    • Cape Cod Massachusetts Lloyds of London Home Insurance
    • Safety Insurance Discounts for Cape Cod, Massachusetts
    • MPIUA - MA Property Insurance Underwriting Association "Fair Plan"
    • Cape Cod Massachusetts Home Protection Insurance
    • Hurricane Preparedness >
      • Cape Cod Massachusetts Hurricane Survival >
        • Cape Cod Massachusetts Hurricane Preparedness
  • AUTO
    • Send me an Auto Insurance Quote for Cape Cod, Massachusetts
    • BOAT Insurance >
      • Send me a Boat Quote
    • Cape Cod, MA Dept. of Motor Vehicles
    • Cape Cod Massachusetts - Report an Auto Insurance Claim
    • Auto Insurance Quote - CAR BUYING TIPS : Auto Insurance for Cape Cod, MA
    • InControl Driver Training
    • Car Insurance for Cape Cod Massachusetts - Arbella Insurance - Send me an Auto Quote >
      • Cape Cod Massachusetts Arbella Car Insurance Discounts
    • Plymouth Rock - Send me an Auto Quote >
      • Plymouth Rock Asurance Discounts
    • Encompass Insurance Discounts
    • Safety Insurance - Send me an Auto Quote >
      • Safety Insurance Discounts
    • Travelers Insurance Discounts
    • Progressive Insurance - Send me an Auto Quote
  • LIFE
    • Send me a Life Quote
    • Long Term Care >
      • Videos - Living Trust >
        • Videos - Life Insurance
  • OFFICES
    • Pay Your Bill Online
  • ABOUT US
    • Reviews & Testimonials
    • Contact Us
  • Stay Home
    • Pay Your Bill Online
    • Report an Insurance Claim
    • Send me a Home Quote
    • Send me an Auto Quote
    • Send me a Boat Quote
    • Send me a Business Quote
    • Send me a Life Quote
  • Home Insurance Explained
  • Agent Login
  • Privacy Policy
  • Videos - Cape Cod Real Estate Investing, Taxes & Insurance
  • Videos - Cape Cod Coastal Real Estate
  • Português