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Humphrey Covill and Coleman Insurance

5 Tips to Keep Your Home Safe This Holiday Season

The holidays are an exciting time, but without proper protection, what seems like a holly, jolly season can take a devastating turn for the worse. Keep these tips in mind when you’re planning for the upcoming holidays to make sure your home stays safe and sound.

Keep Travel Plans Private

If you’re traveling for the holidays, it may be compelling to tell friends, coworkers, and acquaintances while making small talk, but do your best to avoid this. Letting people know your house will be sitting unattended can be a recipe for disaster, putting your personal property at risk for theft and vandalism. Instead, keep travel plans close to the vest. Don’t post about your vacation plans on social media, share images of your time away from home before you return, or do things like allow mail or newspapers to pile up. The more you do to stay quiet about travel, the less of a target you will be.

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Why Insurance Companies ask about your roof

Insurance and your roof

If you are a homeowner or are looking to purchase your first home, you’ll find a lot of emphasis on the roof. As one of the most important structural elements of the foundation, the roof holds center stage. When there is a storm or any type of inclement weather, the roof is your first line of protection. Matter-of-fact when it comes to insurance and your roof you will be asked by the insurance company how old is your roof.

insurance companies place a high emphasis on the condition and quality of your roof when they quote your homeowner’s insurance policy.


Since the roof is your first line of protection, it essentially protects you, the family and all your belongings. In any weather, the roof is usually the first thing that will be affected. If your roof is having problems, the effects of that inclement weather can get into your home, causing a lot of damage. That damage will have to be fixed, along with items that will have to be replaced, so you’ll end up filing a claim.

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Insurance for small business owners

Insurance for business owners

Are you an owner of commercial property, or are you in the process of building or remolding a structure? I read an article the other day titled “Massive fire does 55 million in damage to Concord apartment construction site”. Mind you this site was under construction. It wasn’t old or occupied. This is why Insurance for business owners is extremely important.

Apartment buildings, especially older ones, can be subject to faulty wiring, Insurance for business ownerssometimes caused by a load on old knob-and-tube-wiring or just age. Also, improperly connected appliances, extension cords and air conditioners are culprits.

Hopefully, the building owner of this commercial property had enough insurance to repair the damages. A question comes to my mind if there were tenants, would they have had renters insurance?

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Car Rental Insurance 101 What you need to know

Car Rental Insurance 101 What you need to know

Your big vacation is right around the corner, and you’re starting to pack your bags. So now that your family vacation plans are coming together, have you given some thought to transportation? In this article, Rental Insurance 101 What You Need to Know, we explain the ins and outs of renting a car.

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Techno Drivers, Humphrey Covil and Coleman Insurance, New Bedford, MA

Techno Drivers

My neighbor’s daughter is the text messaging queen.

She received and sent 68 messages in a one hour period the other day.”

I was quite impressed. She could hold a full-fledged conversation with the people in the room while madly typing on her cell phone with one hand. I was ready to sign up to take lessons. Thankfully, she is not in this group of Techno Drivers. It takes me an eternity to eek out a mere sentence. To me, it is so much easier to make the call and talk to the person; I don’t understand this generations fixation with cell phones and the need to constantly text.

I have had a cell phone for almost 20 years now. My sister finally convinced me to get a hands-free earpiece. Great investment if you use your phone a lot, especially if you are driving in states that ban cell phone use.

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Protect your waterfront property

Protect your waterfront property

It’s impossible to know where a hurricane will strike, but if history has taught us anything if you live on the coast, you know from experience that it can be devastating. So it’s important to protect your waterfront property.

You know too that weak tropical storms hitting the U.S. can cause significant impacts, particularly if it moves slowly and triggers flooding rainfall.

The Atlantic hurricane season runs from June 1 – November 30th.

According to researchers, the 2018 hurricane season is expected to be “above average.” They are projecting 14-18 tropical storms & hurricanes.
Here is another fun tidbit for you… The National Flood Insurance Program (NFIP) is set to expire on July 31st.  Smack dab in the middle of hurricane season.  After a brutal year last year, the NFIP currently owes nearly $25 Billion to the US Treasury and taxpayers for covering claims. So you can bet your flood policy will be going up AGAIN this year.

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Is your boat Insurance ship shapeHumphrey Covil and Coleman Insurance agency, New Bedford, MA

Is your boat Insurance Ship Shape?

It is getting warm out and summer looms just around the corner. This is the time of year that all of us “old salts” get those tarpaulins off the boat that has been cooped up all winter. It is paint scraping time, clean up time, sail prep, and engine prepping time. Yes, it is time to get our boats ready to launch into summertime filled with joy and great memories. Is your boat Insurance Ship Shape?

It is also a great time to peel the shrink wrap off of your boat’s insurance policy.

Watercraft insurance varies greatly and is customized to each boat owner. There are a variety of coverage options and credits available to tailor your policy.

Physical damage coverage

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Massachusetts Renter's Insurance

Massachusetts Renter’s Insurance

Massachusetts Renter’s Insurance

Renters insurance may seem like an extravagant purchase for many renters. For Massachusetts Renter’s Insurance families they may assume that they don’t have enough material goods to insure or that renters insurance is far too expensive to fold into their monthly budget.

But the truth is that not having Massachusetts renters insurance can cost you far more than you save.

See how this type of insurance works in your state before you entirely dismiss it.

Renters Insurance Covers Your Possessions

No matter how little you think you have in your life, you may want to consider what it would mean if you had to replace it all. From electronics to jewelry to clothing, it’s not going to be easy to put everything back the way it was if you don’t have any type of financial assistance to do so. Renters insurance is also excellent for covering your things even when you don’t happen to be in your rental. So if your tablet or laptop is stolen when you’re on a business trip from your car, you have some recourse to replace it. If you were hoping your auto insurance was going to cover this, then you may be out of luck. This is why having a Massachusetts renters insurance policy is important.

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Personal Umbrella Insurance

Personal Umbrella Insurance

Personal Umbrella insurance is a way to keep you out of trouble in the case of an extreme situation. It goes above and beyond your current policies to provide you with additional liability protection. It’s often the only way of staying financially solvent even when expenses begin to mount in claims against you.

Unfortunately, many people who should have personal umbrella insurance don’t carry it because they don’t understand very much about it.

It’s not required by law, and it’s not often spoken about outside of certain circles. If you’re wondering why now is the right time for umbrella insurance in Massachusetts, it’s time to consider how this precaution can protect you and your family from a worst-case scenario.

Personal Umbrella Insurance Facts

Personal Umbrella insurance is meant to serve as a supplement to other kinds of insurance, such as rental, home, or auto. Standard insurance carries liability limits, and umbrella insurance can extend those limits in the case of a particularly nasty claim against you. It can also go toward indirect financial matters that may arise during a claim (or even after a claim has been settled.) For instance, a lawsuit against you after an auto collision may not only cost you legal fees; it may also result in having to pay the medical bills for a chronic injury. If your auto insurance policy only carries bodily injury limits of $250,000 per person and $500,000 per accident umbrella insurance takes care of any fees that surpass the $250,000/$500,00 limit.

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Flood Insurance Outlook 2017 – Be Prepared


The federal law that authorizes the National Flood Insurance Program (NFIP) is due to expire on September 30th of this year. It is unknown at this point exactly what the program will look like on October 1st. With a number of major loss events in 2016, including Hurricane Matthew, it is not hard to imagine that rate increases and or additional surcharges may be part of any re-authorization legislation.

The uncertainty surrounding the NFIP is all the more reason for you to find an alternative for your flood insurance. Waiting to see what happens with the NFIP could leave you scrambling for solutions and nervous about your coverage.

The good news is we have several alternative markets that write flood insurance that is not under the NFIP/FEMA mandate. Better yet, we are seeing 25-50% savings!

We also have several homeowners markets that will write coastal insurance with NO wind deductible.

Give us a call to quote your flood insurance. (508) 997-3321

Visit our website or email us: info@CoastalinsuranceMA.com