Insurance Blog
Baldwin / Welsh & Parker

Baldwin / Welsh & Parker

A storm-free summer continues — but don't let the calm weather fool you. The annual hurricane season, which includes tropical storms, began June 1st and ends on November 30th. And the peak season occurs between mid-August and October. These dangerous and destructive weather systems often produce high-force winds, heavy rain, and tornadoes. Forecasters at the National Oceanic and Atmospheric Administration (NOAA) are predicting an above-normal hurricane season due partly to an ongoing La Niña and above-average temperatures in the Atlantic Ocean.

This year, forecasters at the National Oceanic and Atmospheric Administration (NOAA) are predicting an above-normal hurricane season due partly to an ongoing La Niña and above-average temperatures in the Atlantic Ocean.

Before a storm hits, follow these tips provided by Mass.gov to prepare ahead of time.

Wednesday, 06 July 2022 18:44

Summer Water Safety for Everyone

Tips for people of all ages to stay safe in and around water

As the summer season heats up, one of the first things we think about is cooling off in the water. Water is refreshing and fun, but it’s essential to know how to stay safe in and around water to prevent accidental drownings.

Drowning is swift and silent — there may be little splashing or cries for help. It can take as few as 20 seconds to sink below the water and only minutes to drown whether around a pond, lake, river, ocean, or pool. Learn how you can keep your family, especially children, safe and prevent drownings with these water safety tips from Mass.gov.

Learn to swim and be prepared for an emergency

  • Learn how to swim. If you can’t swim or aren’t a strong swimmer, keep to shallow areas or use a U.S. Coast Guard-approved life jacket.
  • Swim with a buddy and never alone, even if you’re a strong swimmer.
  • Learn CPR. The American Red Cross offers a wide selection of CPR/AED, first aid, lifeguarding, swimming and water safety, caregiving, disaster response, and emergency preparedness training. Find information on CPR classes.
  • Keep a cellphone nearby and know where you are in case you need to call for help.
Monday, 09 May 2022 21:04

Fire Pit Safety in Massachusetts

Are you ready for fire pit season?

Memorial Day Weekend is the unofficial start of summer in Massachusetts and people are preparing to gather outdoors again. The focal point at many gatherings will be a warm, inviting fire pit.

If you plan to add a fire pit, chiminea, or outdoor fireplace to your yard for the first time, make sure to check with your local fire department first. Some communities in Massachusetts allow for cooking fires only; other cities and towns may require a permit for permanent fire pits.

Whether you are new to fire pits or you have years of experience, take a few minutes to become familiar with Massachusetts fire pit regulations as well as fire safety considerations and placement recommendations.

Tuesday, 05 April 2022 15:05

10 Tips to Reduce Distracted Driving

April is Distracted Driving Month, a time to increase awareness of and reduce risky driving behaviors.

Distracted driving is dangerous, claiming 3,142 lives in 2020.1 The U.S. National Highway Traffic Safety Administration (NHTSA) leads the national effort to save lives by preventing this dangerous behavior. Get the facts, get involved, and help keep America’s roads safe.

What is Distracted Driving

Distracted driving is not just about texting while driving — it's any activity that diverts attention from driving, including talking or texting on your phone, eating and drinking, talking to people in your vehicle, fiddling with the stereo, entertainment or navigation system — anything that takes your attention away from the task of safe driving.

Friday, 11 March 2022 17:43

8 Gas Savings Tips

Studies suggest the average driver can improve his/her fuel economy by roughly 10% when following these simple tips.

US News reported that the "average U.S. price of regular-grade gasoline shot up a whopping 79 cents over the past two weeks to $4.43 per gallon." While the prices have dropped a bit in the past few days, gas prices are likely to remain high "as crude oil costs soar amid global supply concerns following Russia’s invasion of Ukraine." 

Now is a good time to consider how you drive and maintain your vehicle to ensure that you get the best possible fuel economy and reduce your fuel costs.

A vehicle’s fuel economy can vary significantly due to several factors, including how the vehicle is driven, the vehicle’s mechanical condition, and the environment in which it is driven. Fortunately, no matter what kind of vehicle you drive, making small, low-cost improvements to vehicle maintenance and driving habits can make a big impact on fuel costs. Energy.gov breaks down some of the ways you can keep your vehicle cost-effective:

It's a situation many of us have found ourselves in: you're at the rental car counter, checking in to pick up a vehicle you booked months ago. But before you can check out, you've got a question to answer: are you buying supplemental insurance coverage, or will you decline it and wonder if you should have taken it?

To be fair, it's not a question with an easy answer. There are many factors to consider before choosing whether to accept or decline additional rental car coverage. But looking into it ahead of time, learning about what to expect, and having a good understanding of car insurance – as well as your own personal policy – can help make your decision easier.

Your jewelry is more than an accessory, it’s a personal expression that connects to something meaningful in your life. Whether it’s your engagement ring or your grandfather’s watch, you can help protect your cherished items with a jewelry and valuable items insurance policy. 

What Does Jewelry Insurance Cover?

Jewelry and valuable items insurance can cover your favorite items from jewelry to collectibles, sporting equipment, electronics and more – including engagement rings and wedding rings – if they are stolen or damaged in a covered event. A typical homeowners insurance policy without a Personal Articles Floater (PAF) may not cover, or provide enough coverage for those valuable items. That’s where jewelry and valuable items coverage can help.

How Much Does Jewelry Insurance Cost?

Jewelry insurance costs vary, depending on where you live. In general, jewelry insurance may cost between 1% to 2% of the value of your jewelry or valuable item. For example, a $5,000 engagement ring could cost as little as $50 per year to insure.

Is Jewelry Insurance Worth It?

Only you can decide whether your cherished jewelry or valuable items are worth protecting with insurance. Ask yourself the following questions to explore whether jewelry and valuable items insurance is right for you:

  • Can you imagine losing your jewelry?
  • If your jewelry was lost, stolen or damaged, would you want it replaced or repaired?
  • If the answer is yes, how much would you be able or willing to pay out of pocket?
Monday, 06 December 2021 17:36

Buy a new vehicle now or wait?

Semiconductor Computer Chip Crisis Causes Long Delays for New Vehicles

The ongoing global semiconductor shortage, along with consumer demand, continues to cause long delays in the availability of new vehicles. Before the shortage, a new car ordered from a factory took about six to eight weeks to arrive at a dealership. Now, the wait times for some popular cars and trucks are up to 18 weeks or longer.[1]

 

Why is there a chip shortage for the auto industry?

Semiconductor production is currently monopolized by a few Asia-Pacific suppliers, according to Joe McCabe, CEO of AutoForecast Solutions LLC.[2] Many of those factories experienced pandemic-related factory shutdowns, which added to the shortage crisis.

Friday, 22 October 2021 17:18

How to Deal with Robotext Scams

Robotexts complaints were up 146% last year over the year before, according to the FTC1.

Chances are you have received a text message from an unknown sender – and most likely the message was from a scammer trying to trick you into giving them your sensitive information such as passwords, account numbers, or Social Security numbers. With that information, scammers could gain access to your personal accounts, or they could sell your information to other scammers.

In this article, find out how to identify robotexts, which are also referred to as spam texts and SMS phishing. Learn what you can do about these unwanted text messages and how to report them.

 

How to Identify Robotext Messages

Scammers use a variety of ever-changing schemes, including:

Wednesday, 22 September 2021 16:03

7 Common Car Accidents and How to Help Avoid Them

Let’s face it: accidents happen. And when they do, you might be looking at car repairs and injuries as well as possible increases to your insurance premium. Safe driving can go a long way in keeping you and your family safe and your premium in check. Here are seven common car accidents and tips on how to help avoid them:

1. Rear-end Collisions

Rear-end collisions are a common reason for auto insurance claims. Whether you are the driver who hits a vehicle in front of you, or the driver who gets hit by a vehicle behind you, these accidents can often be avoided. Consider these tips:

  • Keep your distance. Drive far enough behind the car in front of you so you can stop safely. This is especially true in inclement weather. Stay at least three seconds behind the vehicle ahead of you, and longer if you’re in a heavier vehicle. Extend the timing when weather conditions are bad.
  • Drive strategically. Avoid situations that could force you to suddenly use your brakes. If a driver is following you too closely or isn’t paying attention, you might be rear-ended.
  • Don’t get distracted. Never take your eyes off the road to eat, read a text message or find your phone. If the driver ahead of you stops suddenly, it only takes a second or less of not paying attention to rear-end their vehicle.
  • Don’t drive when drowsy or under the influence. You’re more likely to make driving errors when you’re sleepy or impaired by drugs or alcohol.
Page 1 of 20

Contact Us Today

Waltham, MA - 781-890-3740

Hudson, MA - 978-562-5652

Wayland, MA - 508-358-5383

Winthrop, MA - 617-846-0731

Memberships/Awards

trusted choice Baldwin Welsh Parker

S5 Box

Register

You need to enable user registration from User Manager/Options in the backend of Joomla before this module will activate.