Insuring Your Home-Based Business

Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at home—can be a challenging venture, and having the right insurance can provide a financial safety net and peace of mind. Your insurance choices should, in part, be based on the type of business you operate. For instance, if you’re a sole practitioner home-based accountant, you’ll have very different insu...
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Several Factors Affect Your Auto Insurance Rates

Wondering why auto rates are going up? Unfortunately, even the safest drivers can be negatively affected by national trends, which is why you need to work with a trusted and experienced insurance agency. At The Insurance Center, our top priority is finding you optimum insurance protection at an affordable rate. To help educate you on the various factors that affect your insurance rate, we offer the following information to consider: Distracted driving leads to more claims - Texting and o...
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Keep Your Home and Family Safe With Winter Fire Safety

During the cold winter months in New England, there’s nothing better than cuddling up by the fire with your loved ones. Oftentimes, homeowners have to rely on additional heating sources to keep houses warm. Did you know that heating equipment is the second leading cause of U.S. home fires and home fire deaths? According to the U.S. Fire Administration (USFA), home fires are more prevalent in winter than in any other season. Below we have prepared a few simple fire safety tips and precautions th...
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Ice Dams: Recognition, Prevention, and Treatment

Those icicles hanging along the gutters of your home may look beautiful, but they can also signal trouble. Ice dams are slick ridges of solid ice that buildup over time. When it gets very cold outside, heat collects in your attic, which warms the eaves of your roof. Once the snow melts off of the roof, it slides down and refreezes along the edges. Over time, ice accumulates and forms a dam. The melted water from the warm roof backs up behind it and flows under the shingles. This can potentially ...
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Preventing Frozen Pipes This Winter

Repairing a frozen pipe can be both messy and expensive. Regardless of location, all pipes have the potential to freeze over during the winter. Before the cold weather arrives, The Insurance Center recommends the following preventative actions to protect your pipes. To prevent your water lines from freezing, here are some safety tips we recommend: If you have a swimming pool or a water sprinkler, drain the water from your supply lines. Unless otherwise directed, do not put antifreeze int...
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Preventing Puffbacks in Your Home

The Autumn leaves are changing, and the cold, winter months are just around the corner. The Insurance Center would like to remind homeowners to be cautious when turning on their heating systems. Puffbacks can sometimes occur in a malfunctioning oil burner, and can cover the interior of your home with grimy, oily soot. Such an occurrence can cause extensive damage to the walls and furniture in your home, and, more importantly, can adversely affect indoor air quality. To mitigate the damage ...
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Safeguard Yourself from Fraud

While the Northeast has been spared from many of the most recent hurricanes, it is still a good idea to be prepared just in case a storm strikes. Remember to act cautiously in the event your property is damaged. Unfortunately, during times of natural disasters, many people often fall victim to fraudulent behavior by less-than-reputable contractors. To protect you and your family from scams and fraud, The Insurance Center offers the following tips: Check with the State of New Hampshire Li...
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Pool Safety

Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications. There are over 3,400 fatal unintentional drownings in the United States each year, with more than one out of five drowning victims being a child 14 years old or younger, according to the Centers for Disease Control and Prevention. If you own or are considering purchasing a pool or spa,it is crucial that your let your Insurance Center agent know, since...
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How to Create a Home Inventory

Would you be able to remember all the possessions you have accumulated over the years if they were destroyed by a fire or other disaster? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance. Start by making a list of your possessions, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase co...
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Do You Need Insurance When Renting a Vacation Home?

Whether you are renting a beach house this summer or a cabin for skiing this winter, you may need insurance to protect you. You’ll likely bring various personal possessions along—clothes, luggage, a camera, a computer, sports equipment and even jewelry. For peace of mind, it’s worth determining whether or not your possessions will be covered in the event of loss due to fire, theft or other events. You May Already Have Coverage The good news is that your homeowners insurance or renters insu...
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