Winter Road Conditions

Winter Driving Tips

 

 

 

 

If you haven’t noticed, winter has arrived. It’s cold, it’s gray, it’s snowy and … it’s icy. In our office, we’ve reported dozens of slip & slide-type auto accidents.

Here are some winter, snow and ice driving tips:

Drive Slowly — Reduce your speed when driving on snow or ice.

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

Don’t Panic — If you car begins to slide, do not slam on the brakes or over-correct.

Johnson & Rohan Insurance Hours of Operation

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturdays: 9:00 a.m. – Noon (Except July & August)

As always, we are available 24 hours a day, 7 days a week by appointment!

If you’re checking in to report a claim during off hours, you can do so with many of our carriers 24 hours per day/ 7 days per week.

If possible, 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

Phone: 1-781-224-0909
Fax: 1-781-224-0546

Johnson and Rohan Insurance
50 Salem Street
P.O. Box 52
Lynnfield, Massachusetts 01940

Email Don Johnson, Charlie JohnsonKevin Johnson, Don Johnson III, Larry Swasey

Happy Thanksgiving

Happy Thanksgiving

 

 

 

From our family to your family: we hope you have a Happy Thanksgiving.

Our office will be closed on Thursday, November 23, 2023 and Friday, November 24th.

If you’re checking in to report a claim during off hours, you can do so with many of our carriers 24 hours per day/ 7 days per week.

If possible, have your policy number ready and call or click:

 

Johnson & Rohan Insurance Agency Hours of Operation:

Monday – Friday: 9:00 a.m. – 5:00 p.m.
Saturdays: 9:00 a.m. – Noon (Except July & August)

As always, we are available 24 hours a day, 7 days a week by appointment!

Phone: 781-224-0909
Fax: 781-224-0546

Johnson and Rohan Insurance
50 Salem Street
P.O. Box 52
Lynnfield, Massachusetts 01940

Email Don JohnsonCharlie JohnsonKevin JohnsonDon Johnson IIILarry Swasey

J&R’s Top 10 List- Best Boston Area Chicken Wing Restaurants

 

fried chicken on black plate

J&R’s Top 10 Boston Area Chicken Wings-

At my house, Fall is all about watching football and eating chicken wings. If you like wings, you’re in luck.  We put together a list of our top 10 chicken wing joints, most around Boston.  You can click the names to access their websites and get directions.

  1. MaMagoo’s– A Cambridge classic.  Try the awesome chicken fingers with the honey mustard sauce.  My favorites!
  2. Buff’s Pub– For over 80 years this Newton, old school, hole in the wall has served great wings. And they finally take credit cards!
  3. DJ’s Famous Wings– With Falmouth and Hyannis locations, the Cape’s best wings.
  4. Crave– Allston. Wings are their signature dish. That says it all.
  5. Sidelines Sports Bar– Salem (near Salem State). 18 different sauces, from Teriyaki to Diablo Buffalo.  North Shore’s best wings.
  6. Bonchon– Korean style with locations in Waltham and Boston
  7. Lincoln Tavern & Restaurant– Southie’s go to football and wings bar.
  8. The Smoke Shop– Best of Boston 4x winner for BBQ. 6 locations including a new one in E Boston.
  9. Wendell’s Pub– Norton. Two fryolators, one grill and only one cook. Classic.
  10. BT’s Smokehouse– Sturbridge. Esquire Magazine’s #1 ranked bbq in New England.  Right off the Pike!

Enjoy!

Massachusetts Insurance Rates

Massachusetts Insurance Rates

 

 

We’re all facing rising Massachusetts insurance rates. Johnson & Rohan Insurance quotes auto insurance with 8 carriers and even more home insurance companies.

Unfortunately, we are in a hardening insurance market. It seems that every company is increasing coverage and premiums.

Replacement cost (pure construction cost) on homes has never been higher due to the cost of building materials and the cost of labor.

The cost to repair vehicles or replace a windshield has never been higher.  Windshields with automatic traffic controls- braking and lane control cost even more because they have to be “tuned” after installation.

In order to save money you might want to consider increasing your deductibles from $500 to $1,000 or $2,500 or $5,000.

Double check the discounts you’re getting. Are you receiving a support or “bundled” policy discount? If you have your auto and home insurance with the same company, you should receive a large “account/bundle” discount. Do you have a central station fire and burglar alarm system? Make sure the system is reflected on your home insurance policy.

Review the endorsements you have on your policy. Most likely you carry “replacement cost protection on personal property.” This is a nice endorsement which eliminates depreciation on your personal property at claim time. Sometimes referred to as “a hidden deductible” if you don’t carry the endorsement. If you removed the endorsement you may save $200 – $300 on a standard home policy.

Do you have kids on your auto insurance policy? If so, you know how expensive they are. Review your auto insurance discounts to make certain they’re receiving a “good student” discount (B or better average). If they go away to school (over 100 miles from home) and don’t have a car with them, they qualify for an “away at school” discount. Review your auto’s annual mileage. If you average less than 7,500 miles a year, most companies offer a mileage discount on your auto insurance.

With rising Massachusetts insurance rates, give us a call, or send us an email, to discuss and review your insurance renewals.

Happy 4th of July!

Happy 4th of July to your family!

Along with our freedom comes peace, happiness, and prosperity. Wishing you the best and countless blessings on this wonderful holiday.

Johnson & Rohan Insurance is closed on Monday, July 3rd – Tuesday, July 4th. We will re-open on Wednesday July 5th.

Hours of Operation

Monday – Friday: 9:00 a.m. – 5:00 p.m.
We are closed on Saturdays during the months of July & August.

As always, we’re available 24 hours a day, 7 days a week by appointment!

If you are reporting a claim during off hours you can do so directly, 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

 

Snow Shoveling Tips

snow shoveling tips

We were hoping we were done with winter blog posts but New England weather is not quite done with us. So, we offer our snow shoveling tips:

The Basics

Snow shoveling can be compared to weight lifting, and in some cases, the aerobic aspect of this activity is similar to a workout on a treadmill! To help your body function on demand, consider the following tips:

  • Be heart smart! Don’t eat or smoke before shoveling snow. Avoid caffeinated beverages. These are stimulants and may increase heart rate and cause blood vessels to constrict.
  • If you experience pain of any kind, stop immediately and seek assistance.
  • Pace yourself during shoveling activities. Take frequent breaks and drink plenty of water. Snow shoveling is strenuous work, and it is important to re-hydrate your body often.
  • If the ground is icy or slick, spread sand or salt over the area to help create foot traction. Be aware that some areas may be uneven and could cause you to slip, trip, or fall.
Dress for Success!
  • Consider the weather when choosing outerwear. Dress in layers. Wear clothing that is easy to move in.
  • Wear a hat—a great deal of body heat is lost through the head.
  • If it’s icy cold, consider breathing through a scarf, but don’t let it obstruct your view.
  • Proper boots are essential for keeping feet warm and dry while appropriate soles provide traction. Good boots can help you maintain your balance!
  • Choose gloves that will keep your hands warm, dry, and blister free—consider thicker gloves, which allow for a good grip on the shovel’s handle.
Select a Shovel that’s Right for You

Shovels are made from different materials and come in many shapes and sizes.

  • Choose a shovel that is ergonomically correct—a shovel with a curved handle. Many hardware stores and home centers stock ergonomically designed snow shovels. These shovels help you to keep your back straighter reducing spinal stress.
  • Consider a shovel with a plastic blade instead of metal—plastic is lightweight—isn’t the snow heavy enough?
  • Sometimes a smaller blade is better. You will not be able to shovel as much snow per shovel load, but the load will weigh less, which puts less strain on the spine.
  • Get a shovel made to push snow. It is far easier to push snow than to lift it. There are shovels made expressly for pushing snow. See what is available at your hardware or home center store.

Once you have your shovel, you might want to consider spraying a bit of silicon lubricant on the blade. This can help keep the snow from sticking to the shovel. The snow will slide off the shovel blade.

Technique. Technique. Technique.
  • Warm muscles work better. So take some time to stretch to prepare your body for activity.
  • Just like with a golf club, hand placement on the shovel handle is very important! Don’t put your hands (grip) close to one another. Create some distance between the hands. This will give you more leverage and make it easier to lift snow.
  • Think about good posture and maintaining the natural curve of your spine.
  • Address your task directly. Stand with your feet about shoulder width apart to maintain balance. Try to keep the shovel close to your body. Bend at the knees—not the waist or back. Tighten your stomach muscles as you lift the snow. Lift with your legs—not your back. Do not twist your body. Dump the snow in front of you. If you need to move the snow to the side, move your feet—do not twist!According to the American Academy of Orthopaedic Surgeons, “If you must lift the snow, lift it properly. Squat with your legs apart, knees bent and back straight. Lift with your legs. Do not bend at the waist. Scoop small amounts of snow into the shovel and walk to where you want to dump it. Holding a shovelful of snow with your arms outstretched puts too much weight on your spine. Never remove deep snow all at once; do it piecemeal. Shovel an inch or two; then take another inch off. Rest and repeat if necessary.”
  • Don’t throw snow over your shoulder! Go forward with the snow.
  • Fresh snow is lighter in weight—so clear snow as soon as it has fallen. Snow becomes dense as it compacts on the ground. Wet snow is very heavy. One shovelful can weigh 20 pounds or more!
  • Pace yourself. Take frequent breaks to stretch your back and extremities.

Snowblowers
A snowblower is a terrific piece of machinery, but if it’s not used correctly, you can strain or injure your back. Snowblowers are designed to remove snow at a particular rate of speed. Pushing or forcing the equipment to go faster is defeating its purpose—to do the work for you!

Community Involvement
Not everyone is able to shovel snow or operate a snowblower. Consider the disabled and some in the senior population. Fortunately, many communities across the US have organized volunteers to help people who need assistance during the winter season.

Storm Safety Tips to Protect Your Boat

storm-safety-tips-to-protect-your-boat

 

 

 

 

 

Nothing can be more frightening to a boat owner than to hear that a hurricane warning has been issued for the area where your boat is located. Being prepared can limit uncertainty and reduce damage.

Here are some tips to help protect your boat prior to the storm’s arrival.
  • If possible, haul the vessel from the water on its own trailer or in collaboration with your marina.
  • If you are unable to check the vessel, have a plan in place to ensure that the vessel can be secured.
  • If the boat remains in the water, remove as much boating gear as possible including electronics and important documents.
  • Double up all lines and check that the lines are long enough to accommodate the expected storm surge. Add chafe gear and extra fenders to prevent damage.
  • If the boat is staying on its mooring, add chafe gear to the anchor rode and if feasible, add additional anchors in a three point position.
  • Reduce wind damage by removing sails, dodgers, dinghies, bridge enclosures and eisenglass.
  • Disconnect shore power cords, water supply hoses and close off any propane or other valves.
  • If possible & prudent, navigate the vessel inland to a secure location away from possible storm surge damage and from boats that could break away from their mooring or slip.
  • Secure and lock all hatches and port lights. Double check for leaks and seal as necessary if a leak is found.
  • Secure all loose gear and any item that may clog scuppers and deck drains.
    When in doubt “Haul her out.”
  • Never stay aboard during the storm.
  • If the vessel sustains damage from a storm, report the claim in a timely fashion!

Massachusetts Auto Insurance

Massachusetts Auto Insurance
Massachusetts Auto Insurance. Welcome to Massachusetts!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

It’s a new day & age in Massachusetts auto insurance.  After 30 years of state set insurance rates we finally have … competition!

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RTA Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Happy Holiday & New Year

Happy Holiday

 

 

 

From our family to your family, we wish you a happy and healthy Holiday and New Year!

Please note, our office will be closed at 3:00 pm on Friday, December 30th and closed on Monday, January 2nd. Normal business hours will resume on Tuesday, January 2, 2023!

As always, you can report a claim during off-hours.

Have your policy number ready and dial:

Vermont Mutual:  800-435-0397

Safety Insurance:  866-906-5016

Progressive:  800-776-4737

Travelers/ Standard Fire:  877-425-2466

MPIUA:  800-392-6108

Commerce/MAPFRE:  800-922-8276

Amica:  800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance:  800-385-0274

Swyfft Insurance:  855-479-9338

Openly:  857-990-9080

 

Johnson & Rohan