Johnson & Rohan Insurance Review

Johnson & Rohan Insurance Review

Chances are, when you insured with Johnson & Rohan Insurance, we saved you a bundle of money.

If you’ve been insured with us over the years, hopefully you’ve been impressed by our dedication and professionalism.

We shop coverage, we recommend improved limits, we assist at claim time and help with billing problems.

We advocate for our clients.

As a small business, online Google reviews are extremely important. If you’ve been satisfied with our service, please write us review!

Click here to give Johnson & Rohan Insurance a review.

Thank you for insuring with us.

Johnson & Rohan Life Insurance.

Johnson & Rohan life insurance.

Johnson & Rohan life insurance.

“Life insurance is for the living.”

When I hear someone has passed away, as a life insurance agent, I almost immediately think: did they have life insurance?

For family protection, the most pure life insurance product is: term life insurance.

Term life insurance is defined as: (n) Life insurance that pays a benefit in the event of the death of the insured during a specified term.

Term life insurance offers the biggest face value for the lowest annual premium.

We provide no obligation, term life rates with the top-rated and most-competitive companies.

Johnson & Rohan Insurance will help you: educate, calculate the amount of life insurance needed, rate, compare & apply for life insurance.

If you don’t have an Umbrella Policy, you should.

If you don't have an Umbrella Policy, you should.

If you don’t have an umbrella policy, you should. It’s an important part of one’s financial portfolio. Umbrella Insurance protects your assets.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 (up to $5,000,000) and provides you protection from lawsuits.

Coverage is relatively inexpensive to purchase. $1,000,000 of coverage sitting over two autos and a home would cost about $180 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/ $500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

In an ideal insurance world, you want your insurance limits to, at least, match the amount of your assets.

No one wants to spend more money on insurance, however, rather than simply trying to save money, you should be asking: Do I have enough coverage?

Please call or click if you would like to discuss Personal Liability Umbrella Coverage.

Happy New Year!

Happy New Year from your friends at Johnson & Rohan Insurance

Should old acquaintance be forgot,
and never brought to mind?
Should old acquaintance be forgot,
and old lang syne?

For auld lang syne, my dear,
for auld lang syne,
we’ll take a cup of kindness yet,
for auld lang syne.

And surely you’ll buy your pint cup!
and surely I’ll buy mine!
And we’ll take a cup o’ kindness yet,
for auld lang syne.

We two have run about the slopes,
and picked the daisies fine;
But we’ve wandered many a weary foot,
since auld lang syne.

We two have paddled in the stream,
from morning sun till dine;
But seas between us broad have roared
since auld lang syne.

And there’s a hand my trusty friend!
And give me a hand o’ thine!
And we’ll take a right good-will draught,
for auld lang syne.

From our family to your family, we wish you the happiest of New Years!

Thank you for insuring with Johnson & Rohan Insurance.

10 Best Winter Driving Tips

 

Winter driving can challenge even the most experienced safe driver.  Keep these 10 Best Winter Driving Tips in mind when heading into wintery  conditions:

Winter Driving:  Preparation, While Driving, When Stuck in the Snow

  1. Be prepared.  Have your mechanic check your car’s battery, brakes, fluid levels and tire wear.  Keep your gas tank more than half full- it lowers the chance of freezing and you’ll also avoid running out of gas if your stuck in a traffic jam on 128.
  2. Take care in pulling out.  Your car reacts differently to accelerating on snow, make sure there is plenty of time/space to get your car up to speed.  Remember other vehicles may have trouble braking because of the conditions.
  3. Back your car into the driveway when possible.  You’ll have better vision when pulling out.
  4. Be aware of walkers or joggers on the street. When sidewalks are impassable, die hard joggers and dog walkers are forced to venture onto the street for a clearer path.   Keep an eye out for them!
  5. When waiting to make a left hand turn, keep the wheels of your car pointed forward.  If your wheels are turned to the left and you are rear-ended, your car will be pushed into the path of on-coming traffic.
  6. Braking.  If your car does not have anti-lock brakes and you start to skid, pump the brakes to gain control of the skidding.  If your car has anti-lock brakes, slam and hold down the brakes to allow the anti-lock system to take over.
  7. When you must travel during a storm, notify others of your eta and your intended route.
  8. If stuck, stay in the car and wait for help.  Run the engine and heater sparingly.  Also make your exhaust pipe is clear from snow and ventilate your car to prevent carbon monoxide build up.
  9. If stuck in a storm, preserve your energy.  Have food (energy bars, trail mix, beef jerky) in your car.   They will provide your body with energy to produce its own heat.  Have water available to prevent dehydration.  Don’t eat snow, it lowers your body temperature- if necessary, melt it first.
  10. Prepare a Winter Driving Kit and leave it in your trunk.  Your kit should include an extra pair of gloves, blankets, an ice scraper, food basics (energy bars, trail mix or beef jerky work well), water or energy drink.  An affordable car battery- air compressor can provide a battery charge or refill a flat tire.

4 Reasons You Need a Personal Liability Umbrella

 

4 Reasons You Need a Personal Liability Umbrella

Personal liability umbrella policies help safeguard you against financial hardship in the event of a lawsuit.  They provide liability coverage that sits on top of your home and auto (and boat and second home if applicable).  Umbrellas are available in million dollar increments from $1,000,000 to up to $10,000,000.  Defense costs are also included- on top of the liability coverage and often the defense costs are higher than the damages awarded.  The costs are low and the coverage deep.  We believe the average family should have at least a $2,000,000 umbrella sitting over good auto and home liability limits.  Here are four situations where you should consider even higher limits:

Homeowners with pools

From 2005-2014, there were an average of 3,536 fatal, unintentional drownings (non-boating related) annually in the United States- about ten deaths per day. About one in five people who die from drowning are children, aged 14 and younger. For every child who dies from drowning, another five receive emergency department care for nonfatal submersion injuries.  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care.  These nonfatal drowning injuries can cause severe brain damage that may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning (e.g. permanent vegetative state).

Dog owners

Dog bites are the single largest cause of liability loss to insurance companies.  Big dogs bite.  Little dogs bite.  In conclusion even the nicest of dogs can have a bad day- and the damage they do comes back to (ahem) bite it’s owners.

Parents of teenage drivers

The National Highway Transportation and Safety Administration reports that in 2015, 1,886 drivers aged 15-20 perished in auto accidents.  An additional 195,000 were injured in car crashes, so young drivers (ages 15-20) account for 5.4% of total drivers but for 9% of those drivers involved in fatal crashes.  An umbrella policy provides a serious layer of protection between you and all you have worked for.

Families with toys

Motorcycles, four-wheelers, snow mobiles, boats, jet skis- they sure are fun.  But accidents resulting from their use can often be extensive and end up with expensive bodily injury claims.  Again, use your umbrella to protect your home and family.

So if you are taking the time to read this and don’t have an umbrella policy, or you think your policy might have limits too low, give us a call to review.  (781) 224-0909.

Snowplowing

snowplowing

It’s that time of year. 

Plows are breaking out in every community.  Our phone rings and our client on the other end has questions about plowing and plates or plowing and insurance or both.

Here’s the skinny: Massachusetts law is clear on the point that if you plow for hire, you need Commercial plates.

Personal passenger plates are acceptable only if you plow your own driveway, or if say you plow a relatives driveway but do not get paid.  Even still, a police office might write a ticket to a vehicle plowing with Private passenger plates- such a ticket would need to be appealed.

Insurance and plowing is a little more complicated.

Insurance carriers have different appetites for vehicles used for plowing.  We work with some that will not write plows of any kind, others that will write only vehicles used for residential plowing and others that allow plowing without restriction.

Please call if you plow and we can review your specific situation to ensure you have the right coverage and plates.

Happy Thanksgiving

Johnson and Rohan Insurance Happy Thanksgiving

Johnson & Rohan Insurance is thankful for having you as a client.

We understand there are many places to buy your insurance.

Our goal, is to provide added value to our clients.

Everyday we ask ourselves: “where do we add value?”

Value is saving you money and maximizing different companies’ discount programs.

Value is at claim time when you understand the coverage you’ve spent all this money on over the years.

Value is when you call our office and get a friendly & responsive voice.

Value is having an independent, insurance professional reviewing your coverage, shopping your insurance, and offering trusted advice at claim time.

Johnson & Rohan Insurance appreciates your business.

Thank you for insuring with us.

Happy Thanksgiving!

Homeowner Renewal Checklist

Homeowner Renewal Checklist

We recommend you review and call us with any “yes” answers.

  • Do you own jewelry, furs or watches with values over $1,000?
  • Do you own silverware with a total value of over $2,500?
  • Do you have a collection of valuables, including: coins, stamps or other?
  • Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
  • Do you own a boat?
  • Is there a trampoline on your property?
  • Do you have any tools, equipment or other property used in your business or occupation?
  • Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
  • Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
  • Are you interested in receiving information on:  Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?

Please call us with any questions about your apartment, condominium, or home insurance protection.

Thank you for insuring with Johnson & Rohan.

Johnson & Rohan’s Top 10 Fall Day Trips

If you live in Boston or are visiting the city in the fall, here are Johnson & Rohan’s Top 10 Fall Day Trips!

# 10  Russell Orchards, Ipswich

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Apple picking can begin as early as late August and last through October, but it all depends on the weather, the crop yield, and the amount of pickers who come. With ten varieties of pick-your-own apples that open and close as they ripen and then get picked out. Check out their website for the varieties currently available and go have some family fun!

#9  Plymouth Plantation Living Museum Day Trip From Boston

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Book via Viator.com and a motorcoach will take you out of Boston for an eight-hour pilgrimage to Plymouth, Massachusetts, the historic home of the Pilgrims. You’ll be on your own to explore Plimoth Plantation, Plymouth’s waterfront, Plymouth Rock, Mayflower II and other historic sites. Monday, Wednesday and Friday departures are available through late October. 

#8  Spooktacular Salem

 

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Salem, Massachusetts, is just 25 miles north of Boston, and the spooky city where the Salem Witch Trials took place in 1692 is easily accessible via car or MBTA trains, or book a spot on a Salem-bound bus tour direct via Viator. October is a particularly good time to visit Salem–in addition to the town’s normal host of bewitching attractions, you’ll find a full calendar of Haunted Happenings.

#7 America’s Stonehenge

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You’ve probably heard of Stonehenge–that mysterious collection of megaliths (big rocks) over in the old England. But did you know that New England has its own Stonehenge in Salem, New Hampshire, just a 40-minute drive from Boston? Fall is the perfect season for a day trip to this mysterious attraction.

#6  Walden Pond

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Walden Pond covers 62 acres, but it’s really much larger than that. Few bodies of water have celebrity status to rival that of this serene pool in Concord, Massachusetts. 19th-century writer Henry David Thoreau is, of course, responsible for turning the pretty pond into an icon. See photos and learn how you can visit this scenic spot in the fall. It’s just a 35-minute car trip from Boston in Concord, Massachusetts.

#5   Davis’ Mega Maze

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New England’s oldest and largest cornfield maze is the 8-acre Mega Maze at Davis’ Farmland in Sterling, Massachusetts. Leave Boston behind for a scenic hour and 10-minute drive to this challenging, larger than life puzzle, where you can “get lost” for a while this fall and have loads of fun in the process.

#4  Old Sturbridge Village

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Old Sturbridge Village is a 200-acre time machine that transports visitors to the early 1800s. Within moments of setting foot inside the complex of historic buildings populated with authentically costumed “interpreters,” you can’t help but feel immersed in yesteryear. Old Sturbridge Village is the Northeast’s largest living history museum, a place where the routines and rituals of a 19th-century New England community play out day after day, season after season. Autumn is harvest season at Old Sturbridge Village, a fascinating and picturesque time for a visit. It’s an easy day trip destination from Boston, located just over an hour’s drive from the city.

#3   Castle in the Clouds

 

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Just over a two-hour drive from Boston in Moultonborough, New Hampshire, you’ll be stunned by the fall views from Castle in the Clouds, the spectacular, 5,500-acre estate built by eccentric industrialist Thomas Plant in 1914. Pause and hike to a waterfall on your drive up to this mountaintop abode, and, after your castle tour, linger over lunch or snacks and drinks at the Castle Cafe in the Carriage House.

#2  The Head of the Charles Regatta

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With more than 55 exciting events involving almost 2,000 boats over the 2-day period, there’s plenty to watch. With over 300,000 visitors expected, this is one of Boston’s most popular events. Otherwise, it’s simply a perfect excuse to be outside enjoying the October weather. The 3-mile race starts at Boston University’s DeWolfe Boathouse near the BU bridge and finishes just past the Eliot Bridge by the Artesani Playground in Brighton.

#1  The Topsfield Fair

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In the fall of 1818 there were 20 United States.  That September the Topsfield Fair first opened its doors to the public.  The tradition lives on with America’s Oldest Fair.  Held this year from September 29th– October 7th, enjoy craft fairs, swine races, The Village People, rides, arcade games, cotton candy and more.  I grew up waiting for the Fair like it was Christmas. Bring your kids and their friends!

Johnson & Rohan