Blog/News - Page 4 of 41 - Johnson and Rohan Insurance

Claims Don’t Always Happen During Office Hours

Claims don’t always happen during office hours.

If you have an auto or home claim, with most companies, you can report the claim 24 hours a day/ 7 days per week.

Have your policy number ready and dial or click:

Travelers: 1-800-252-4633
Safety Insurance: 800-951-2100
Vermont Mutual: 1-800-435-0397

Plymouth Rock: 1-844-346-1225

Mass Property: 1-800-392-6108
Progressive Insurance: 1-800-274-4499
Bristol-West: 1-800-272-7865

Swyfft Insurance: 1-877-799-3389
Hagerty Insurance: 1-877-922-9701
Utica First Insurance: 1-800-456-2139

MAPFRE/Commerce: 1-866-351-2548
Grundy Insurance: 866-338-4006

Openly Insurance: 888-808-4842

Embark General: 800-809-5747

Stay safe and don’t hesitate to reach out to us during normal office hours.

Personal Liability Umbrella Coverage

If you are at-fault in a bad accident and there’s an injury, you’re going to wish you had personal liability umbrella coverage.

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

Coverage is relatively inexpensive.

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.

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

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

Regarding retirement plans:

“Most plans that fall under ERISA act (Employee Retirement Income Security Act) cannot be touched by a creditor if you’re sued. Most 401k plans fall under ERISA. IRA’s, on the other hand, are typically not ERISA plans, and can be lost if sued.”

So, most 401K plans cannot be touched. IRA’s can be.

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

Winter Driving Tips

Reduce your speed when driving on snow or ice.

Be aware of your surroundings and stay a safe distance from other cars on the road.

If your car begins to slide, do not slam on the brakes or overcorrect.

What To Do if in an Auto Accident?

Stop. Be Courteous. Stay Calm. Your interest will be served best if you are courteous and engage in no controversy at the scene of the accident.
If there is significant damage to any of the vehicles or any potential injuries call 911 immediately.
Get the names of the owners and drivers involved. Get license numbers, telephone numbers, and registration numbers.
Get the names, addresses, and telephone numbers of witnesses.
Express no opinion as to who was at fault. Give no information except for as required by the authorities. Do not sign any statements unless required by authorities.
Report the claim promptly to Johnson & Rohan Insurance.

If off hours, following please find some of our companies’ off-hours claim reporting telephone numbers:

Travelers: 1-800-252-4633
Safety Insurance: 800-951-2100
Vermont Mutual: 1-800-435-0397

Plymouth Rock: 1-844-346-1225

Mass Property: 1-800-392-6108
Progressive Insurance: 1-800-274-4499
Bristol-West: 1-800-272-7865

Swyfft Insurance: 1-877-799-3389
Hagerty Insurance: 1-877-922-9701
Utica First Insurance: 1-800-456-2139

MAPFRE/Commerce: 1-866-351-2548
Grundy Insurance: 866-338-4006

Openly Insurance: 888-808-4842

Embark General: 800-809-5747

Happy New Year!

Happy New Year from your friends at Johnson & Rohan Insurance

Happy New Year from our family to your family.

Our office will be open on Tuesday, December 30th from 9:00 am –1:00 pm.

We will be closed New Year’s Day, re-opening Thursday, January 2nd.

If off hours, following please find some of our companies’ off-hours claim reporting telephone numbers:

Travelers: 1-800-252-4633
Safety Insurance: 800-951-2100
Vermont Mutual: 1-800-435-0397

Mass Property: 1-800-392-6108
Progressive Insurance: 1-800-274-4499
Bristol-West: 1-800-272-7865

Swyfft Insurance: 1-877-799-3389
Hagerty Insurance: 1-877-922-9701
Utica First Insurance: 1-800-456-2139

MAPFRE/Commerce: 1-866-351-2548
Grundy Insurance: 866-338-4006

Openly Insurance: 888-808-4842

Embark General: 800-809-5747

Holiday Season

Did you know there’s a huge spike in parking lot fender benders during the Holiday Season?

Makes sense, with the increased volumes at the shopping malls & grocery stores, & the hustle & bustle that comes with shopping.

Some tips:

With snow, ice & fogged windows, it is even more important to remember to take your time.
Warm up your car.
Turn off the radio & cell phone as you navigate in & out of parking lots & spaces.
Take a moment to smell the mistletoe. Remember: The Holiday Season is supposed to be fun & relaxing. A time to reconnect with family & friends.
Drive Safely!

From our family to your family: Merry Christmas, Happy Holidays & Happy New Year!

Off Hours Claim Reporting

Johnson & Rohan Insurance recommends you call us when you have a claim. We will then report the claim to your insurance company and have them contact you. In addition: we advise, advocate and forward claim number and handler information.

Claims, of course, don’t always happen during office hours and if you find yourself in need of reporting a claim, following please find off-hours claim reporting numbers:

If possible, you will want to have your policy number ready and call or click:

Travelers: 1-800-252-4633
Safety Insurance: 800-951-2100
Vermont Mutual: 1-800-435-0397

Mass Property: 1-800-392-6108
Progressive Insurance: 1-800-274-4499
Bristol-West: 1-800-272-7865

Swyfft Insurance: 1-877-799-3389
Hagerty Insurance: 1-877-922-9701
Utica First Insurance: 1-800-456-2139

MAPFRE/Commerce: 1-866-351-2548
Grundy Insurance: 866-338-4006

Openly Insurance: 888-808-4842

Embark General: 800-809-5747

Happy Thanksgiving

Happy Thanksgiving from your friends at Johnson & Rohan Insurance

Happy Thanksgiving from your friends at Johnson & Rohan Insurance.

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

We understand there are many places to buy your insurance. Our goal, as your independent agency, is to provide added value to our clients.

We constantly 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 your trusted advice at claim time.

At Johnson & Rohan Insurance: we appreciate your business.

Thank you for insuring with us.

Happy Thanksgiving!

8 Homeowner Renewal Tips

Study the renewal offer made by your insurance company. Does it look accurate? Review the address, the Dwelling Value (this is the cost the insurance company thinks it would take to re-build your home if there was a catastrophic loss- it doesn’t include, land, driveway or basement). Maybe better yet, ask us to review it for you! Call and schedule a personal insurance review.
Is there adequate coverage for Personal Property, also known as your “stuff”- clothes, furniture, electronics, art… in the past year have you purchased valuable jewelry, artwork or musical instruments? If so they can either be scheduled on your home policy or written on a standalone jewelry policy (usually a less expensive option too).
Your Personal Property, is it insured with Replacement Cost Value or Actual Cash Value? It’s important if you ever have a loss- replacement cost would cover a new, like kind and quality rug, desk or couch while actual cast value would only cover the depreciated value. There can be a huge difference in these values.
Have you made any interior or exterior updates to your home? Added a pool, shed or cabana or expanded with a three-season porch? If yes, you should discuss with us to make sure you have them covered.
Have you added any smart home devices in the past year? Security systems for water, fire and theft can create discounts for your policy.
Did you get a new pet in the past year? Most dog breeds are not a challenge for a homeowner policy, but some are. Dog bites represent the single largest cause of homeowner liability claims- and different insurance companies have different lists of ineligible breeds.
Most policies include an inflation adjustment automatically. It’s used to try to keep your home’s value current, taking inflation into account. Sometimes though these automatic increases can outstrip actual inflation and homes become over-insured. Look at the percentage your company uses, they can vary from 0% to 12%, or call us to discuss.
Most homeowners use a typical deductible of $1000. But depending on your circumstances, you may want to look at higher deductible options. $2500, $5000, $10,000 or $25,000 options with their lower annual premiums are more common than your may realize.

Collector Car Insurance

Massachusetts Collector Car Insurance. Do you own a vintage auto? If you own a car at least 25 years old, or that might be collectible in nature, Johnson & Rohan Insurance may be able to insure it through the specialty market- great coverage at a fraction of the price.

We have two great Collector Car Insurance markets:

Grundy invented the agreed value classic car insurance policy in 1947 and are a true leader in the market- insure your classic with “The Olde Original.”

Hagerty Insurance is another established leader in classic car insurance- between the two, let us put together a customized quote from a single car to major collection.

What is your car worth? Find out by clicking: here.