The Coverage You Need

Personal

Personal Coverage

  • Automobile

  • Motorcycle

  • Motorhome/Mobile home

  • Homeowners Package

  • Renters Insurance

  • Condo policies

  • GAP Coverage

  • Floaters

  • Umbrellas

  • Flood Insurance

  • Yachts & Motorboats

Homeowner Discounts

  • Higher deductibles decrease premium

  • Mature Credit is offered to those age 55 and over
  • Multi policy account credit when you insure your auto and home with the same company
  • Renewal credit allowed starting after the first year and increased annually up to four years
  • Alarm systems such as ADT allow for additional credit
  • Credit allowed for renovated or revitalized homes
  • Account Credit 20% when we write your auto

Note: Some discounts are specific to certain companies

Auto Discounts

  • Age 65 or older (As stated – 25% discount)

  • Passive restraint (Discount allowed for airbags and seatbelts – 25% parts 2,3,6, and 12)
  • Annual Mileage (2% – 20%) This discount will now vary by years licensed, territory and miles driven
  • Multi policy account credit when you insure your auto and home with the same company
  • Anti-Theft (Discount allowed for vehicle alarm system from 5% – 36% on part 9)
  • Multiple Cars (8% Discount parts 1,2,4,5,7,8, and 9)
  • Loyalty Plus (Now includes AAA, number of years with AAA, number of years with Commerce/MAPFRE)
  • Group Discount (AAA members, Town of Paxton Employees and Pan Mass Challenge donors
  • Higher physical damage deductibles (Rates Vary)
  • Good student
  • Student away from home (A student over 100 miles away from the vehicles place of garaging)
  • Renewal Credit
  • Accident forgiveness
  • Disappearing deductible
  • Paid in full discount
  • Umbrella discount
  • Green discount

Note: Some discounts are specific to certain companies

Miscellaneous Personal Lines Information

HOMEOWNERS – SHORT TERM RENTAL LAW

Key Features of the New Rental Law

v  Takes Effect July 1, 2019 on units leased after January 1, 2019

v  Homeowners must register their properties with the MA Department of Revenue

v  They must collect a state lodging tax of 5.7% to short-term rentals, along with any applicable city, town or regional (Cape Cod) taxes

v  Requires property owners to carry liability insurance of at least 1 million for each short-term rental.

v  Exempts properties rented for less than 14 days per year from taxation, but they still must be registered and insured.

Mass Dept of Revenue Link 

Short Term Rentals (Airbnb,Vrbo etc.) – *NEW MASSACHUSETTS LAW*

Although the law doesn’t take effect until July1, 2019, it applies to booking being made NOW (since January 1, 2019) for stays on or after July 1, 2019.  Mass implemented a law to address a rental tax bill and new insurance requirement.  If you are operating short term rentals on any properties we insure, please contact us as soon as possible as additional coverage is needed to be properly covered.  Please see attached notice on key features of the new rental law.

Homeowner’s who rent for 14 days or less per year can apply for an exemption from taxes, but they are still required to register and insure the property.

GAP INSURANCE COVERAGE

Do you owe more on your vehicle than it’s worth??  For less than $40 per year, purchase GAP Coverage NOW!!!

USING A CAR ON YOUR VACATION?

We recommend that you

  • Carefully read and understand the rental agreement BEFORE you sign it.
  • Check with your credit card company for available coverages.
  • Call us BEFORE so we can review and discuss your options.