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Everything You Need to Know About Recreational Insurance

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Are you looking for an insurance policy to protect your recreational vehicle in Boston, MA?  With recreational insurance, you’ll get liability and physical damage coverage, plus specialized coverage for toys and vehicles not usually provided by a standard home or auto policy. 

What is Covered Under Recreational Insurance? 

Recreational insurance provides special coverage for vehicles like boats, yachts, jet skis, motorcycles, ATVs, snowmobiles, motorhomes, and travel trailers. This type of policy covers physical damage (like accidents and theft), liability (if someone gets injured in your vehicle), and medical payments if there are any injuries. It also covers any custom features you may have added to your vehicle, like stereos or satellite dishes. 

Why Do You Need Recreational Insurance? 

The most important reason why you need recreational insurance is so that you can protect your investment in the event of an accident or theft. Without it, you could face costly out-of-pocket expenses that could be avoided with the right coverage. Also, if someone gets injured while in your vehicle (or because of it), they may be able to sue you if they don’t have the right insurance coverage. That’s why it’s important to ensure that you have the right kind of protection in place. 

Contact Smoller Insurance Agency for Your Recreational Insurance Needs! 

At Smoller Insurance Agency in Boston, MA, we understand the importance of having the right recreational insurance coverage for your needs. One of our knowledgeable agents will work with you to find the best possible solution for your unique situation. Contact us today to learn more about our recreational policies and get started on protecting your investment today! 

Why You Need a Renters Insurance Policy

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Renters insurance is the coverage that helps to protect you from the risks that may come with potential damage or theft of your property as you rent a home. It is also known as tenant insurance.

While it is not mandatory to have this insurance according to the law, it is a requirement by most landlords in Boston, MA that you have renters insurance. Smoller Insurance Agency is here to assist. 

Benefits of Renters Insurance

This coverage serves to protect you against distress in the event of:

Sustained injuries.

When you have renters insurance, you need not worry about any extra finances that you may need to cover the cost of treatment in case of any injury that has been sustained by you or any other person who was on your property at the time of damage.

Damage to your or another person’s property.

In the unfortunate event that your property has been damaged, or your property has caused damage to another person’s property, the insurance cover will see to it that the person has been compensated. It will also be of assistance where you may need to repair your property or the landlord’s property.

Apart from the potential damage and injury that may occur during a burglary, you are also very likely to lose your property. Even if you were not in your house at the time of loss, the insurance could compensate you for the present-day cost of your property.

Additional expenses associated with moving to a temporary residence.

Some situations such as natural disasters or renovations may need you to move to a temporary residence. The insurance will cover the expense that you need to part with to stay at the temporary residence.

Contact Us Today

It is worth noting that you are not covered by your landlord’s property insurance. It is therefore important that you put in your priorities a cover for all the property that you have in your rental in Boston, MA. Smoller Agency Insurance is here to help with renters’ coverage. Give us a call today. 

Insuring My New Motorcycle

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Congratulations! You’ve bought your first motorcycle and joined the family of two motorized wheels. You have joined a nationwide community of people who, at least in warm-weather months, ride astride heavy metal thunder. You might have serious questions about your motorcycle, its insurance, and how it’s different from a car. Your Boston, MA insurance partners at Smoller Insurance Agency are here to help with your questions.

Motorcycle insurance is more expensive than car insurance

You’ve undoubtedly already noticed that your motorcycle premiums are more expensive than the equivalent auto premiums and probably also wondered why that is. A motorcycle, of course, is less expensive than a car. Unfortunately, motorcycle insurance is a much bigger risk than auto insurance, so motorcycle coverage is more expensive even though the vehicle it’s covering is less expensive. Fortunately, your coverage will get less expensive as you prove you’re a good driver on your motorcycle.

Personal Injury Policies

Car interiors are designed around keeping drivers and passengers safe from harm. Motorcycles are not. If you’re in a motorcycle accident at any real speed, there is a real chance that you’re going over your handlebars. Because of this, personal injury protection coverage, very seldom purchased as a rider on auto insurance, is almost obligatory for motorcyclists.

Laid Up Insurance

It’s no secret that Northeastern winters are harsh. Because of this, many Northeast motorcyclists put their bikes in storage over the long winter, leaving them in storage until the spring comes and they can get out again. Laid-up coverage reduces your insurance costs, but you won’t be covered if you take it out during this time.

Contact Us Today

There are additional coverage add-ons to consider with your new bike Consult your professionals at Smoller Insurance Agency serving Boston, MA for answers to these questions on your motorcycle insurance.

Three signs that it’s time to update your boat insurance policy

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Boat owners shouldn’t assume that they should keep the same boat insurance policy indefinitely. In certain situations, boat owners may need to update their policies. Smoller Insurance Agency is an insurance company that boat owners in Boston, MA can turn to when they are interested in purchasing boat insurance or changing their boat insurance coverage.

The following are three signs that it’s time to update your boat insurance policy:

You want to be able to navigate in an area that’s not covered under your existing policy

Boat owners always need to be aware of the navigational limits of their policy. If they want to expand on these navigational limits, they will have to discuss this with their insurance provider. Expanding the navigational limits of your policy is likely to result in an increase in your premium costs. 

You’ve bought a new boat

Your boat insurance policy is specifically underwritten for the particular boat you own. If you replace your boat or want to add a second boat to your policy, you’ll need to let your insurance provider know so that your policy can be updated. 

You’ve relocated to another state

It’s important to discuss a move out of state with your boat insurance provider.

Your boat insurance provider might not provide insurance in the state to which you’re moving. In this case, you’ll have to purchase boat insurance from a different company. 

Get The Right Coverage Today

We’re here to help boat owners in Boston, MA in need of coverage. You can call us at Smoller Insurance Agency to get a quote on boat insurance. You can also get a quote on a boat insurance policy from our company by getting in touch with us online. 

5 Facts about boat insurance

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Don’t rock the boat by going without boat insurance.

Smoller Insurance Agency knows that boat insurance isn’t splashy. But it is a necessity. Serving the greater Boston, MA community, our experienced team offers safety and security while you cruise the waterways.

Here are five facts about boat insurance:

Boat insurance covers any type of watercraft

Boat insurance is unique. It applies specifically to motorized watercraft. Although every policy will vary, nearly all boat insurance policies shield against loss, damage, and damage through comprehensive and collision coverage.

But the benefits extend much further

Boat insurance isn’t just for your boat. It grants personal protection for you, your guests, and other motorists. Liability provides these safeguards. If you are found to be at fault, costs associated with bodily injury or property damage would be covered.

Boat insurance isn’t mandated in The Bay State

Like most states, boat insurance isn’t required in Massachusetts. But that doesn’t mean it’s not a good idea. Owning a boat without it is risky. There is little downside to maintaining full coverage.

Boats aren’t covered by other plans

Some homeowners mistakenly believe they are already protected. Your homeowners’ policy may overlap with boat insurance but just barely. At best, this coverage is limited. Avoid falling into this trap. Only a specific, designated boat insurance plan will be sufficient.

Boat insurance is needed all year long

Boat insurance isn’t seasonal. This is another common misconception. Even in storage, accidents, damage, and natural disasters can occur. Canceling or letting your policy lapse can be costly in the long run.

Contact Us Today

Inadequate coverage can leave you stranded. Let Smoller Insurance Agency in Boston, MA throw you a line. Our agents can craft a designated boat insurance policy that’s perfect for you. Set up an appointment today.

How Much Flood Insurance Should I Carry When I Have a Home-Based Business?

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At Smoller Insurance Agency in Boston, MA, we provide competitive flood insurance quotes to help keep your home-based business running. 

Here are some facts that you need to know:

Historical Flooding Near Newton and Boston, MA

According to the National Weather Service, the Boston and Newton region has seen nearly 15 inches of historical precipitation in a month, flooding many ground floor and basement offices and homes. Moreover, business disruptions due to power outages and equipment damage cost the city of Newton and the Boston area $75 million during flooding in 2010. But flooding does not have to be deep or extensive to be expensive.

Flood Damage and Business Disruption

Zakia Sultana and others at the GFZ German Research Centre for Geosciences define business disruption as lost income caused by the inability to provide or receive services, economic output, or profit. For example, a flood may cause lost inventory and damage your location, but real damage occurs afterward. From delivery delays to supply-chain woes, your business reputation for getting things done right and on time could suffer for months.

Assessing Your Commercial Flood Insurance Needs

At Smoller Insurance Agency, we know how crucial getting your business back into operation after flooding can be. And your homeowner’s policy will not cover flood damage. You need a commercial flood insurance policy if you have a home-based business. We can help you decide how much coverage to buy based on how flood damage could affect your home-based business. For example, a ground-floor home office in a 1932 building could require over $400,000 to replace.

Get Flood Insurance Today

Contact us today at Smoller Insurance Agency before the next flood for a free consultation about your commercial flood insurance needs.

What does my Boston MA condo insurance cover?

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Many people incorrectly assume that their condo is already covered. Smoller Insurance Agency knows this misinformation can be costly.

While landlords and building associations have their own policies, these protections are limited for condo dwellers. For this reason, condo insurance isn’t just a good idea. It’s a necessity.

Luckily, Smoller Insurance Agency in Boston, MA is ready to help.

While every condo insurance plan is personalized, here are four items that every policy should include:

Safeguards the interior

An owner’s insurance coverage extends only to the structure itself. The interior is rarely included. Luckily, condo insurance fills this gap. Flooring, fixtures, cabinetry, and even walls are shielded against destruction, vandalism, and other types of damage.

Protects belongings

This applies to your belongings too. Furniture, appliances, and electronics are covered against loss. But jewelry and other valuables are also likely included. While every policy will list specific events, damage from natural disasters is usually included. Vandalism and theft may also be covered.

Offers liability

Like any other insurance plan, liability coverage is key. If an accident occurs inside your condo, this coverage will reimburse you for most property, medical, and other injury-related costs you may have incurred. Legal expenses may be included as well. This extends to you, your family, and your guests.

Accounts for loss of use

Condo insurance is about being prepared. If you are forced to temporarily relocate due to a serious incident, your condo insurance policy can chip in. Additional living expenses, like meals, hotels, and travel, may be included.

Give Us A Call

When you rent or own a condo, only a specialized condo insurance policy can provide the protection you need. Smoller Insurance Agency in Boston, MA will find a personalized plan that’s right for you. Schedule an appointment today.

What Should I Do If I’m In An Accident?

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Being in a car accident can be a traumatic experience. If you’re ever involved in an accident, it is important to know what to do to protect yourself and your loved ones.  Smoller Insurance Agency in Boston, MA is here to assist you with any queries. Here we discuss the steps you should take after being involved in an accident.

Stay calm and follow these tips to ensure you’re safe and get the help you need:

1. If You Are Able, Move Your Car to the Side Of the Road

If you are able to move your car, do so carefully and slowly. Pull over to the side of the road, turn on your hazard lights, and set up a warning sign if you have one. You should only move your car if it is safe to do so and if you are able to. If you’re not able, do not try to move your car as this could make your injuries worse.

2. Check Yourself and Your Passengers for Injuries

After you have moved your car to the side of the road, check yourself and your passengers for any injuries. If anyone is hurt, call 911 immediately. Even if there are no obvious injuries, it’s important to get checked out by a medical professional as soon as possible after an accident.

3. Call the Police

Even if there are no injuries, you should always call the police after an accident. The police will create a report of the accident, which can be useful if you need to file an insurance claim or take legal action.

4. Exchange Information With the Other Driver

Get the contact and insurance information from the other driver involved in the accident. You will need this information when you file an insurance claim. Do not admit fault or sign anything without talking to a lawyer first.

5. Take Pictures of the Accident Scene

If you have a camera or your phone, take pictures of the accident scene. These pictures can be helpful when filing an insurance claim or taking legal action. Be sure to get photos of the damage to both cars as well as any injuries that may have been sustained.

Give Us A Call

Being in an accident can be a scary experience. But by following these tips, you can help ensure your safety and the safety of your passengers. If you are ever involved in an accident, stay calm and call Smoller Insurance Agency in Boston, MA. We’ll help you through the process of filing an insurance claim and getting the compensation you deserve.

Will Insurance Help Me if My Business Is Sued?

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When you open a business, you first think about the name, logo, and concept. You spend hours researching your market and finding the best suppliers and vendors to help you build your brand. But the first thing most of us don’t think about is the possibility that our business could be sued. This happens much more frequently than you think.

A lawsuit does not have to be the end of your business. If you’re a small business owner in the greater Boston, MA community, Smoller Insurance Agency can help.

Will Business Insurance Cover Me If I’m Sued?

Yes, if you have the right coverage. Business insurance, also called commercial insurance, can have different types of coverage. Some of the most common types of coverage include property, general liability, and excess liability.

When you are sued for damaging another person’s property or causing bodily injury or death in your business, liability insurance can help you pay for the damages. When you purchase a Business Owners Policy (BOP), it will typically include liability coverage.

Do I Need Business Insurance To Operate Legally?

Two types of insurance are required to legally operate a business in Massachusetts: worker’s compensation and commercial automobile.

Worker’s Compensation – This is mandatory insurance that covers your employees if they are injured on the job. It is required for all your employees whether or not they are full-time. Sole proprietorships or self-employed individuals are not required to have worker’s compensation, but they can elect to have it.

Commercial Auto – As a no-fault state, Massachusetts mandates that all drivers must have Personal Injury Protection (PIP), liability insurance, and bodily injury liability insurance. This is true even for vehicles that are used for business purposes.

Contact Us Today

Make sure your Boston, MA business is covered! Contact Smoller Insurance Agency today to see how we can help you.

5 Common Home Insurance Myths Debunked

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Home insurance is one of those things that everyone knows they should have, but few people actually take the time to understand. As a result, there are a lot of misconceptions about what home insurance covers. Smoller Insurance Agency in Boston, MA can dispel some of the most common myths about home insurance and help you better understand your coverage. So, whether you’re a first-time homebuyer or a long-time homeowner, read on to learn more about this essential coverage. 

5 Common Home Insurance Myths Debunked

Myth 1: Home Insurance Covers Anything and Everything

One of the most common myths about home insurance is that it covers everything. In reality, home insurance has limits and exclusions. For example, most home insurance policies will not cover damage caused by floods or earthquakes. Additionally, home insurance typically excludes damage caused by pests, such as termites or rodents. So, if you live in an area with a high risk of these infestations, be sure to ask your insurer about coverage options.

Myth 2: Home Insurance Is Expensive

Another common myth about home insurance is that it’s expensive. While the cost of coverage will vary depending on factors like your home’s value and location, the cost of insurance is always lower than the cost of repairing or rebuilding your home without insurance.

Myth 3: Home Insurance Only Covers the Structure of Your Home

Another common misconception about home insurance is that it only covers the structure of your home. In reality, home insurance also covers your personal belongings, such as furniture, clothing, and electronics. Additionally, most home insurance policies also provide liability coverage, which can protect you financially if someone is injured on your property.

Myth 4: Everyone Needs the Same Amount of Home Insurance

One of the most common myths about home insurance is that everyone needs the same coverage. In reality, the amount of coverage you need depends on several factors, such as the value of your home, the age of your home, and the number of personal belongings you have. Additionally, your coverage needs may change over time as your home ages or as you acquire new belongings.

Myth 5: Home Insurance Is a Waste of Money

Another common myth about home insurance is that it’s a waste of money. In reality, home insurance is one of the most important investments you can make in your home. Not only does it protect your most valuable asset, but it also gives you peace of mind knowing that you’re covered in the event of a disaster.

Get Home Insurance in Boston, MA

Now that you know the truth about some of the most common home insurance myths, you can make an informed decision about your coverage. If you have any questions about your home insurance policy or are ready to get a quote, contact Smoller Insurance Agency today. We’re happy to help you find the right coverage for your needs.