Personal Liability Umbrella Coverage

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 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 $200 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.

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.

Johnson & Rohan Insurance Web Log Article Links

Johnson & Rohan Insurance Web Log Article Links

 

 

 

 

Happy Presidents Day.

Presidents Day is a federal holiday, so most all federal offices, such as the Post Office, are closed. Many state offices or services, such as The Massachusetts Registry of Motor Vehicles, are closed as well.

One place that is definitely open: Car dealerships.

That’s one of the reasons why our independent insurance agency is open as well.

When clients are buying vehicles, we need to be there to provide insurance stamp and proof of coverage in the form of an insurance binder.

Cleaning out the organization of our website, I notice we offer same good articles on a number of important topics. Often I refer to these articles when a client calls requesting information on topics such as: Junior Operator License Restrictions, the Surcharge Appeal Process or The MA Homestead Act.

Following we offer Johnson & Rohan Insurance web log article links:

Happy New Year from your friends at Johnson & Rohan Insurance

Happy New Year from your friends at Johnson & Rohan Insurance

As the 26th anniversary of Johnson & Rohan Insurance rolls around, we’d like to wish everyone the happiest of New Years!

We’d also like to thank you for your business.

Wherever you live, we understand there are probably many insurance agencies between your house and our Agency.

We will continue to work hard to earn your business.

Whether it’s reviewing your renewal, running to the Registry, or assisting at a stressful claim time, we are always happy to help.

In 2019 we invested in new, Microsoft compliant computers, as well as our Agency management and comparative rating systems.

Although the insurance industry has changed we’ve found, over the years, time and time again: it’s all about the markets.

If you have the right market you can find the most competitively priced policies for all sorts of insurance products.

We have the markets.

We rate personal auto insurance with 7 companies and even more companies for home, business and life insurance.

If you ever have any questions, please give us a call, click or stop by.

Happy New Year from your friends at Johnson & Rohan Insurance

Umbrella! Umbrella! Umbrella!

Umbrella! Umbrella! Umbrella!

We say it over and over again because if you don’t have an umbrella policy, you should.

Personal Liability Umbrella coverage is an important part of your 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.

Dangers of Distracted Driving

Dangers of Distracted Driving

Distracted driving is the most common cause of accidents.

The most common distraction is texting or looking at your cell phone.

The National Insurance Highway Institute describes 3 types of distractions:

  1. Visual – taking your eyes off the road;
  2. Manual – taking your hands off the wheel; and
  3. Cognitive – taking your mind off what you’re doing.

In order to best avoid distractions: put away any device that might tempt you to stray away from the driving task at hand.

If you have kids in the car, make sure they are securely in their safety seats before departing. Make sure the DVD is loaded, coffee is in the cup holder, and everyone has their snacks, tissues and barf buckets.

If you have a long road trip in front of you, make sure you are well rested and alert. Have your destination plugged into your navigation system and, of course, your seat belt is on.

This time of year it can be difficult with fogged windows, ice, snow, rain and snow banks, to see out your windshield.

Spend extra time warming up your auto, de-fogging windows, scraping windows, mirrors and make certain your windshield wipers are in good working order.

Most important: pay attention while driving.

With proper planning and a little patience, we can help avoid the dangers of distracted driving.

 

Ice Dam Prevention

Claims are no fun.

One of the most common and repetitive causes of property damage to building interiors is water damage resulting from the formation of ice dams on roofs.

An ice dam is a ridge of ice that forms at the edge of a roof and prevents the water produced by melting snow from draining off the roof.

The water that backs up behind the dam can leak into a home causing damage to walls, ceilings, and insulation.

While ice dams can develop as a result of multiple factors, the most fundamental causes are:

  • Heat leakage from the interior of the building into attic or loft areas that warms the middle and upper areas of roof decks (see causes of heat leakage below).
  • Snow accumulation on the roof surface which provides the potential for snow melt and re-freezing in the form of an ice dam. This problem can be amplified by lower pitched roofs.
  • Sustained exterior temperatures below 32 degrees which creates conditions under which snow melt water will re-freeze at the eave level of the roof.

Heat leakage can result from any number of factors common to residential properties:

  • An insufficient layer of insulation in the ceiling assembly below the attic or loft area as well as un-insulated or poorly insulated exterior walls.
  • Improperly insulated recessed ceiling lighting fixtures.
  • Improperly sealed and insulated ventilation fans, heating and air conditioning ducts and plumbing vent stacks.

Strategies for avoiding water damage from ice dams take two forms; those that are intended to prevent the formation of ice dams and those that are designed to provide a reliable means for roof surface snow melt water to drain off the roof to prevent water accumulation behind the ice dam.

Prevent the Formation of Ice Dams
  • Provide soffit and ridge ventilation to create and sustain a flow of cold air along the bottom surface of the roof deck.
  • Increase the thickness of insulation in the ceiling assembly below the attic or loft area.

Johnson & Rohan Insurance

Johnson and Rohan Insurance 2

Johnson & Rohan Insurance is a family owned and operated, full-service, independent insurance agency located in Lynnfield, Massachusetts. With over 100 years of experience, Johnson & Rohan ensures every customer receives the lowest possible premiums and best possible coverages. As an independent agency, Johnson & Rohan represents many of the top insurance companies in the State. The agency invests in state of the art rating software with the ability to take the needs of an individual or family and we shop these needs with dozens of companies to find you the best rates and coverages. But more than that, we think it’s our old fashioned sense of customer service you’ll notice first. We’re a family business treating our clients and their families as we would our own.

At the time of a claim…

People don’t buy insurance thinking about claims, but claim time is where the true value of an insurance agent stands out. As independent agents, we work for you at the time of a loss. We advise and advocate for you during this process and take the extra time to ensure you get a prompt and fair settlement. You will have a veteran insurance professional advocating for you and your claim with the insurance company that direct sellers won’t provide.

Ask our clients…

Our Agency thrives, in part, because of our extremely high retention and referral rates. Our customers appreciate what we do for them and they tell their friends. We believe you will notice a difference from other agencies every time you call our office. We are eager to serve you and to do whatever it takes to earn your trust and business.

Products…

Serving all your insurance needs:

Personal Lines- Auto Insurance, Homeowners, Personal Liability Umbrella, Life, Diability, Condo, Renters, Boats, Power Sports

Commercial Products- Businessowners, Professional Liability, Commercial Auto, Workers Compensation

Product Support…

Did you know we have four websites providing consumer insight and expertise into Personal Lines and Commercial insurance?

JohnsonandRohan.com– Our flagship site, packed with information on homes, autos, life and umbrella coverage plus access to the Registry of Motor Vehicles, on-line bill pay and more.

MassAutoQuote.com– A great reference site with real time access to the Registry and real time insurance quotes.

HomeownerQuote.com– A user friendly site set up to provide tips on saving money on Homeowner policies, easy explanations of Homeowner policy coverages and easy to use quote requests.

MassQuotes.com– A comprehensice Personal Insurance site with insurance advice, insights and tips abd easy quote requests.

Registry Extends Renewal Date

Massachusetts Registry of Motor Vehicles

If you have not received your December personal or commercial automobile registrations from the Registry of Motor Vehicles: fear not.

Due to a “mailing issue,” the RMV has announced they are still renewing registrations that expire in December.

The RMV has advised that although the majority of registration renewal applications for November and December registrations have been processed, customers should expect to receive their registration and decal by January 15, 2016.

The RMV has asked law enforcement to recognize a grace period (through January 15, 2016).

If you’re waiting past this date, give us a call to check on the status of your registration!

 

 

 

Johnson & Rohan Insurance 24/7

If you have a claim during off hours, or over the weekend, a call to our office will provide you with 24 hour a day/ 7days a week claim reporting information.

Call Johnson & Rohan Insurance: 1-800-491-1414

Travelers Insurance Company/ Premier of Massachusetts: 1-800-252-4633
Safety Insurance: 1-800-951-2100
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108
Progressive: 1-800-776-4737

24-Hour-Claim-Service-300x224

If you have a claim during off hours, or over the weekend, a call to our office will provide you with 24 hour a day/ 7days a week claim reporting information.

Call Johnson & Rohan Insurance: 1-800-491-1414

  • Travelers Insurance Company/ Premier of Massachusetts:  1-800-252-4633
  • Safety Insurance: 1-800-951-2100
  • Vermont Mutual: 1-800-435-0397
  • MPIUA: 1-800-392-6108
  • Progressive: 1-800-776-4737

You can also report a claim right here by clicking our: “Report a Claim” tab.

RMV Online

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location: MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan online RMV links

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location:  MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan Insurance’s links and listings of the RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-