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Top Five Dangers to Your House

2/7/2022

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There are many common myths about potential dangers in and around the home that can keep some homeowners up at night. However, the gap between myth and fact can make all the difference when it comes to reducing risk in your house. So what does the data tell us are the biggest risks to your home?

From leaking valves to house fires, a look at Calfee Insurance Claim data reveals the facts about the most frequent causes of homeowners’ claims, as well as the costliest. The answers may surprise you. While some risks are common nuisances we are all too aware of, others can be catastrophic. To help keep your home, your valuables and your family safe, you will want to take steps to protect them.

Danger #1: Water Damage

Many people think of damage from hurricanes and heavy rains when they think of water damage. But according to Travelers Claim data from 2013-2020, more property losses resulted from non-weather water claims (23%) than weather-related water claims (15%)*. Non-weather water claims can involve plumbing-related losses, such as pipes, drains and valves, as well as appliance issues. Learn more about common causes of water damage and the steps that you can take to help prevent it.

Danger #2: Weather-Related Roof/Flashing Damage

Wind, hail and weather-related water damage accounted for more than half, or 53%, of all Travelers property loss claims between 2013-2020. Falling limbs and branches weighed down by snow and freezing rain can cause roof/flashing damage. It is a good idea to inspect trees on your property to help prevent damage caused by falling tree limbs. Learning how to identify and remove ice dams can also help you avoid costly damage in the winter months.

Danger #3: Frozen Pipe Damage

Frozen water pipes are considered a potential source for catastrophic property damage, and make the list of Travelers’ five costliest sources of homeowner claims. While a sub-item of weather-related water loss, it is so significant, it deserves special mention. The good news is you can take steps to help prevent your pipes from freezing by identifying pipes that are most at risk and taking steps before winter arrives to help insulate them. During the winter, you may consider using a smart thermostat to manage and monitor that your heat is set at a safe level to help avoid freezing, and to receive notifications if the temperature in your home drops unexpectedly.

Danger #4: Theft

Theft from the premises makes the list of top causes of property loss claims, accounting for 4% of losses. There are many steps that you can take to help make your home less attractive to thieves, including landscaping with theft prevention in mind, adding outdoor lighting and creating a plan to make your home appear occupied while you are away. There are a number of methods to monitor your home to help minimize the theft potential, including smart home alarm systems.

Danger #5: Fire

Although fires do not occur as often as other incidents around the home, the damage that they can cause puts fire at the top of the costliest types of claims, according to Travelers Claim data from 2013-2020. Fire and related damages accounted for 27% of claims as measured by costs paid out. Fires can start from cooking, overloading circuits, and improperly using a wood stove, among other causes. Learn more about the potential wood stove safety tips, and how to help protect your home.






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10 Reasons to Get a Home Generator

11/9/2021

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Power outages can be a major inconvenience. They can also create problems for you, your family and your home as you shift into "emergency mode" to prevent your food from spoiling, to safely navigate your home in the dark, or simply to keep the heat on. Investing in a home generator can help make being without power more bearable — and can even fuel some fun when not being used for an emergency.

Home generators come in a variety of types and sizes, from portable versions to "standby" and inverter units. Portable generators typically run on gasoline and need to be operated at a safe distance from any structure. Standby generators start automatically when the power goes out, and are run on propane or natural gas. Inverter generators have a more complex engine than the other types, and are much quieter than their conventional counterparts. Regardless of which type of generator you choose, you will need to follow the manufacturer recommendations for safe operation of the unit.

It's helpful to research this useful home device before you urgently need it, so here are 10 reasons to consider if you're thinking about purchasing a home generator of your own.

1. We can't control the weather.

Most power outages are weather-related. As the number and severity of extreme weather events rises, so does the likelihood of a blackout lasting 24 hours or more.

​2. You have well water.

Without electricity, your well pump and filtration systems will quickly lose the ability to provide fresh, safe water for drinking, bathing, heating and more, to your house.

3. You have a sump pump.

If you rely on a sump pump to keep your basement or crawlspace dry — including all the possessions you keep in those areas — losing power means you also lose protection against water damage in those areas.

4. You work from home.

If you run a business or work out of your home, you know every minute counts. Going without power for even an hour can be a major inconvenience — if not a major risk — to you, your clients and customers.

5. Food spoils quickly.

According to the FDA, perishable food items should be thrown out once your refrigerator has been without power for as little as four hours.1
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.

6. You live in a high-risk or severe climate area.

Some states are more vulnerable to weather-related outages. Others have such severe temperature extremes that power to control air conditioning and heating systems can be essential for comfort and safety. If you live in one of these areas, your risk to the potentially devastating effects of a power outage increase significantly.

7. Your property is vacant for extended periods of time.

If you are a "snowbird," frequent traveler or own a seasonal home, having a generator can protect your property from outage-related emergencies — whether you're in or out of town.

8. Someone in your home relies on an electrically powered medical device.

If you or a loved one requires the assistance of a home medical device that runs on electricity, a power outage can be deadly. A generator can help keep those devices running, but you also will want to check with a healthcare professional for suggestions on how to weather power outages with your particular medical device.

9. You have a hybrid or electric car.

Make a portable generator go the extra mile! When not using it for your basic emergency power needs, keep it in your car to stay charged no matter where the road takes you.
10. Generators aren't just for emergencies.
Portable generators can be put to use at work or play in, around and away from your home, too:
  • Camping.
  • Portable power tools.
  • Outdoor parties & events.

Whether it's due to storms, falling trees or some other challenge, power outages can bring an assortment of problems for home owners.

A home generator can become one of your go-to remedies for those unexpected situations. Checking out the options before you lose electrical power is one smart way to beat the crowds who'll be racing to scoop up a home generator, for that "next time" outage scenario.

Learn more about homeowners insurance products, or if you’re ready to take the next step, click here to get a quote.
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4 Fire Prevention Tips for Fall and Winter

9/22/2021

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Do you know where most home fires start?

If you guessed the kitchen, you’re right. One of the most popular rooms in the house also has the potential for danger. 

But a few simple habits can help prevent damaging fires from ever starting in the first place.

To find a little more peace of mind this season, here are four ways to make your home safer.

1. Don’t walk away from an active stove. 

​Unattended cooking is a leading cause of kitchen fires. If you need to leave while frying, grilling or broiling, make sure to turn your stove off first. It’s easy to lose track of time when you step away to answer the door or check on the kids, and it doesn’t take long for trouble to start.

2. Keep clutter under control.

It’s not uncommon for kitchen counters to get loaded up with stuff. Make it a priority to clear your kitchen countertops of anything flammable, such as wooden utensils, papers and dish towels,  especially around the stove. 

3. Use space heaters, fireplaces and woodburning stoves safely.

​If you use a space heater during colder months, consider replacing older models with one designed to turn off if it tips over. Position space heaters with a 3-foot distance from everything else and always turn them off before you leave the house or go to sleep.
If your home has a fireplace or wood-burning stove, have it inspected annually by a professional. Use a mesh screen to keep sparks inside the fireplace.

4. Practice candle safety.

​As with a stove, a lit candle is an active fire that you shouldn’t leave unattended. Blow out candles before leaving a room and keep burning candles on level surfaces and away from flammable objects, young children and pets.
Have questions about your insurance coverage? Reach out and we’ll be happy to help.
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Cleaning and Disinfecting During and After a Pandemic

11/12/2020

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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.
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How the Coronavirus Is Reshaping Home Design: 10 Crucial Features a House Should Have Today

5/19/2020

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Life as we know it has changed dramatically in the coronavirus era, affecting work, school, travel, and more. And it's shed light on the way we live at home, underscoring the fact that there's nothing more important than safe shelter for our family.

To that end, COVID-19 is influencing what people want to see in home design.
"After the pandemic, our homes are going to reflect the lessons learned during this painful period, such as ways to disinfect ourselves and our possessions," says Jamie Gold, a wellness design consultant and author of "Wellness by Design."
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  • Why Your Toilet Paper Shortage Could Have Horrific Consequences for Your House

​In a postvirus world, we won't soon forget our shelter-at-home memories. Going forward, if there's even the slightest chance (god forbid) that we'll need to repeat this awful practice, homeowners may want to prepare by buying or renovating a house with amenities that'll make it just a bit more bearable.
To help, here are 10 features to look for in a new home—or demand in your current one—once we've bid the coronavirus adieu.

​1. More bathrooms

A family member who's caught a virus needs his own loo to keep germs in one place, so the addition of a second (or third or fourth) bathroom in homes will be important.
"This option used to be about convenience, but in the age of quarantines, sharing a bathroom could be dangerous," says David Sipp, owner of two Mr.Handyman franchises in Indiana.
And since hand-washing is a constant nowadays, a half-bathroom or even just a sink right by a home's entrance may become fairly standard.
"There's renewed focus on [sinks near front entrances] in an attempt to get people to wash before entering the home," says architect Kobi Karpof the eponymous firm.

2. Better mudrooms

Taking off your shoes before entering the house has long been recommended to cut back on grime and germs. But now that a recent study found that the novel coronavirus can cling to shoes' soles and then get tracked inside, even more people may start removing their shoes right as they enter a house. This could make the presence of mudrooms—including larger, souped-up versions with seating areas and cubbies—more appealing than ever.

3. Bigger pantries

You probably weren't alone if you found your food storage was lacking in the early days of the coronavirus—and the fix will be bigger and better pantries. Room for nonperishables is key so you can cut back on the number of grocery store trips you make.
No room for a dedicated pantry? Sipp anticipates a need for more food storage like shelving and cabinets in other parts of the home, like the garage and basement.
"And larger pantries won't necessarily live in the kitchen area, but will instead be more of an add-on in the laundry room or entryway," says Gold. The reason: Deliveries can be made contact-free, away from living areas, and trips into the house will be reduced.

4. More freezer space 

Remember the old-fashioned chest freezer your grandmother had? Look for it again, along with more built-in freezer drawers, in future home design. Panicky pandemic shoppers are snapping up all manner of foods, and the result has been a sold-out stock of freezer units.

5. Bathroom bidets 

The French know a thing or two about healthy bathroom design—and we're finally taking notice. Bidet use was already on the rise before the coronavirus, and since toilet paper shortages have hit hard, more and more folks are looking to install this amenity.
Bidets are gentle and hygienic, and even when TP is back on store shelves, these devices will still be in demand, says Gold.
Want something cheaper than installing a whole new appliance? Consider the washlet, which is a seat fitted to an existing toilet that's equipped with a spray nozzle.
"There's less need for tissue with a washlet," says Melanie Turner, an architect at Perkins & Will.

6. Closed-off spaces

"COVID-19 has brought to light a heightened desire for discrete areas, no matter how small, and convertible spaces like guest rooms that can be used for playtime or as a homework spot," says Turner. But open floor plans probably won't disappear—instead, a better balance between private, semiprivate, and public spaces is coming.

"The reason is the need for homes to multitask better, which means if you have two partners suddenly working from home and a couple of kids home schooling, you'll have more quiet, separate spaces for everyone to function effectively," says Gold.

7. Brass and copper fixtures
Adapting to a new, more germ-conscious way of living starts with a return to copper and brass (a copper-zinc combo) for doorknobs and fixtures. In fact, brass kills bacteria more effectively than stainless steel, according to research.
Brass and copper are excellent metals for the home because both are naturally antimicrobial and corrosion-resistant.
"Copper is one of the best for its antimicrobial properties and has been used for decades in plumbing—and brass and bronze are also very popular because of their inherent ability to kill germs, plus over time they give a desirable rustic look,” said Karp.

8. Hands-free light switches, faucets, and more

"We already have hands-free faucets, light switches, and voice-control features to operate windows, showers, thermostats, and sound systems. Plus there's a hands-free door opener that's being introduced for homes," points out Gold, who anticipates seeing them in homes now more than ever.
"We've had touchless entry and infrared detection systems in place for years in hotels, so I expect to see these technologies applied for opening home cabinets, fridges, and drawers in the near future," adds Karp.

9. Closed HVAC systems

For people with allergies, asthma, or other respiratory issues, more sophisticated HVAC systems, including those that can be closed from the outside world for limited amounts of time, might become more common.
"We have to weigh the benefits of fresh air with the desire to temper or limit intake at very specific times," says Turner.

10. Nicer home offices

This one's obvious, and it runs the gamut from a fully equipped workspace in a separate room to smaller iterations like nooks under the stairs or a retrofitted closet.
Having a quiet area in which to work will be a must-have, and if you can include the ability to work while standing up or moving, your wellness will be enhanced, says Gold.
"As people video chat and Zoom more with colleagues from home, they're becoming hyperaware of the changes they'd like to see in a home office, including better lighting and more storage. And since a return to the workplace will be gradual, high demand will continue for an office that's comfortable and functional,".
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Cape cod storm surge home insurance

1/16/2020

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Need Home Insurance? Easy, Fast, & Secure Home Insurance.

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Here we are at the start of a whole new decade. This year's "The Old Farmer's Almanac" predicts a winter of intense ups and downs in temperature.

Get ready for a wild ride on the Polar Coaster, some are saying.

But when did "The Old Farmer's Almanac" first come out and why is Ben Franklin on the cover?


Ben Franklin published "Poor Richard's Almanac" from 1732 to 1758 under the pseudonym of Richard Saunders.

There were other almanacs at the time, but Poor Richard's was a best seller.

​So, when Robert B. Thomas started publishing "The Old Farmer's Almanac" in 1851, he added Ben Franklin's face to the cover of his book. It is still there today. Be sure to wish Ben a happy birthday on January 17th! 

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Compare home insurance quotes today and save on
protection for your biggest investment.

Build a Custom Policy & Make the Switch! 

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Cover Your Biggest Investments.

Get a homeowners insurance quote, find coverage options.

​We'll help you understand and customize the right home insurance coverage for you. 

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Making a purchase as big and important as a home owner insurance policy should be taken seriously. Undoubtedly, you want to purchase your policy from the best company, as well as get the best home owner insurance quote.

How can you do that?

When it comes to home owner insurance quotes, what sets the insurance companies apart?


Home owner insurance companies are set apart in many ways. Look at the rating of the home owner insurance companies in question, as well as whether or not they are licensed to do business in your state. Home owner insurance companies also differ in the level of coverage they offer and the kinds of coverage you can add on to your home owner insurance policy.

While you’re shopping for the best home owner insurance quote, find the company’s rating. This will let you know how financially stable the insurance company is. Talk to family members, friends, and neighbors about the home owner insurance companies with which they do business. Unless they are employees of the company, they’ll be more than willing to dish the dirt – both good and bad.

What really makes the best home owner insurance quote?

The best home owner insurance quote varies from person to person. You want to get a quote for a home owner insurance policy that offers the exact coverage you want at a rate that will not completely drain your bank account. Therefore, you need to check out several different home owner insurance companies. Ask about coverage, price, additional coverage, and discounts.

Where can I find everything I need to know about home owner insurance in my state?

Your state’s department of insurance has all the information you need to know about home owner insurance coverage in your state. The insurance department will also be able to provide you with a list of home owner insurance companies and agents licensed to do business in your state.

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Making a purchase as big and important as a home owner insurance policy should be taken seriously. Send me a Home Insurance Quote Cape Cod Massachusetts -

​Undoubtedly, you want to purchase your policy from the best company, as well as get the best home owner insurance quote.

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​The best homeowner insurance is the insurance that best meets your needs. The insurance shopper that takes the time to understand the basic elements of home insurance will have much more confidence and sense of satisfaction when making an insurance purchase. The homeowner policy has been around for a long time and so most of us have a general concept on how the policy works. The more you know about the market value of your home and the approximate cost to rebuild it the better off you will be when shopping for the homeowner policy.

This kind of knowledge is the foundation for determining what kind of policy to purchase. The age of your home has a direct bearing on the market value. The older homes built in the 1900’s have much lower market values today because most of them have depreciated. The market value for an older Victorian style home may be $50,000 but the actual cost to rebuild that home may be $200,000. The older homes that depreciate in market value are insured with actual cash value policies. They are often called market value policies. These policies will reimburse you for the market value of your home when there is a total loss. The market value policy is the best homeowner policy for the older home that has depreciated.

The replacement cost policy is better designed for newer homes or homes under construction. The replacement cost of a home and the market value are almost the same. Replacement cost is applied to the dwelling and most often to the contents of the dwelling. Replacement cost will repair or replace any loss with like kind and quality of materials without depreciation.

The best homeowner insurance for you will be determined by the age and market value of your home. The discounts for older and newer homes are the same. The protective device discount for deadbolt locks, smoke detectors, and fire extinguisher apply to both types of policies. Fire and burglar alarm systems are additional discounts that could be applied to both older and newer homes. Check our recommended insurers for more details.


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What is covered by standard homeowners insurance?

9/14/2018

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​Understanding the four essential protections provided by your homeowners policy

​Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; Coverage for Additional Living Expenses

​Coverage for the structure of your home

​Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house.

A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear.
When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home.

​Coverage for your personal belongings

​Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disasters. The coverage is generally 50 to 70 percent of the insurance you have on the structure of the house.
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​Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter (or even your dog) accidentally ruins a neighbor’s expensive rug, you are covered. (However, if they destroy your rug, you’re out of luck.)

The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit stated in your policy documents.

Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella policy, which provides broader coverage and higher liability limits.

Your policy also provides no-fault medical coverage, so if a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses can be paid without a liability claim being filed against you. It does not, however, pay the medical bills for your own family or your pet.
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​Additional living expenses

​ALE pays the additional costs of living away from home if you cannot live there due to damage from a an insured disaster. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.

Keep in mind that the ALE coverage in your homeowners policy has limits—and some policies include a time limitation. However, these limits are separate from the amount available to rebuild or repair your home. Even if you use up your ALE your insurance company will still pay the full cost of rebuilding your home up to the policy limit.
​
If you rent out part of your house, ALE also covers you for the rent that you would have collected from your tenant if your home had not been destroyed.
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Summer Home Insurance for Cape Cod

2/19/2016

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​You spend time shopping for lots of things because you are a smart consumer who wants quality at a good price. But if you are a person who is going to take the time to shop for a new smart phone or shoes, doesn't it make sense to take time to shop for car insurance?

Homeowners insurance discounts. Don't be afraid to ask your agents if there are any available discounts that you can avail. Know the requirements and see if you are qualify for that discounts.

Although nothing can be guaranteed, having good alarm systems can really offer you peace of mind when you're at home or while you're away. For instance, when you travel for long periods of time, you may have someone stop by and get your mail and check on your house. However, he or she cannot prevent a fire and that's where your fire alert comes into action. No matter where you are, if your home begins to burn, the fire department will arrive at your house in no time.

Make the exterior of your home fire-safe and you will reduce your Home Insurance rate.
Having things that are quite inflammable or that aid combustion around your dwelling will make you pay more expensive premiums. Bushes near your house should be cut and maintained at not less than ten feet from your structure. This is because how fire-safe a house is goes a long way in affecting what it will cost to insure it.

You are done and now ready to move into your new home. Usually you will have about 30 days or until the end of the month to switch over water and electric in your names and out of the sellers name. If you have a a good length of time before that happens, please take your time. Get all your stuff in your new home, and everything up and running the way you want it before you switch over names.

Heath Insurance- Right now, our Government is trying to pass bills that provide medical care to many of our fellow Americans that do not have appropriate coverage for their needs. This is not a political website, so we will not take a side as to if these new policies are right or wrong. We do however; want to stress that without good Health Insurance. Most of us could not afford to even get the medical care we need, much less purchase the thousands of overpriced prescriptions needed on a daily basis.

To get rid of pot holes, tree limbs, icy side walks etc, do landscaping. Discussing with your agents would help you know how to make your landscaping effort more effective and profitable for you.

Even though I've spent a lot of time researching online insurance I don't want you to simply take my word for anything. Instead I want YOU to get online and check out the savings you find yourself. The one thing I can promise you is that you will be amazed by how much you can save simply by buying your nursing home policy online.
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Ask us about Home Insurance Companies for Cape Cod residents.

9/21/2015

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Real Estate Insurance for Cape Cod

9/16/2015

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Real Estate Insurance for Cape Cod
There are many emergency situations that we know how to prepare for. We protect our homes with fire and flood insurance. We have first aid kits should one of our friends or family members get hurt. However, when you're out bonding with nature, taking care of an emergency can prove difficult if you don't have the right equipment and supplies. Good news is that most of the stuff you'll need to handle any situation cam be found at local camping stores.

No one wants to spend extra money, especially when it comes to something like insuring a car. It's a good idea to try and save at least a little, since the extra money can be used elsewhere. Get a good, cheap insurance and you'll be able to enjoy a better lifestyle while still being protected.

At around 7 a.m., the tree people came and assessed the damage. The insurance company also gave the okay for payment on the homeowner's policy to pay for the work. So, we had a decision to make. The tree, our big tree that had provided years of friendly shade, had almost split in half. It was a maple tree, and apparently tornadoes hit them hard. Some of the tree was still standing, and we decided to try and save it, even though it would look awkward and seem to be leaning to one side. They had to trim alot off the top so the tree wouldn't fall over to the one side and onto the road below. I remember them saying that it would be a miracle if the tree lived.

Another reason to look into national Flood Insurance New Jersey based companies can provide is that heavy rain can cause floods. The biggest problem with the rains is that they often come in the spring, right when all of the snow is melting. The rains would be bad enough on their own, but they are very dangerous when combined with the water from the snow. This might cause a lot of damage to your home and the things inside of it.

Are there certain risks that have you worried that you feel you need more coverage. If you fear collisions and the possibility of harmful injury or death then you may want more coverage for that situation.

Whatever the level of damages, you will want to call an expert in this area as quickly as possible. The quicker you get someone into your home taking care of the problem the fewer the problems there will be with your home and belongings. You will likely lose a lot of things that are important to you if you have a major problem, but hopefully you will be able to have many items salvaged. Mold will be a continuation of the overall problem, and the sooner you get things taken care of the less problem you will have in this area. If the professionals tell you that you have a mold problem, you will want to find a mold remediation expert to help you.

You will save much if you only have between 15-30 minutes. Visit, receive and compare home insurance quotes from several online sites. The lowest quote should be what you go for easily. But, you have to look beyond simply the lowest price to the best price to value ratio. The cheapest may not be the best price/value for you as an individual.
Click HERE for a FREE Home & Flood Insurance Quote
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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.
     
    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.
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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,
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