Springtime Home Checklist

If you have made any of the following changes since we last did an insurance review, please contact us immediately. They may impact your coverages.

  1. JPI-springnewsletterHave you done any major external or internal home improvements? Did you remodel your kitchen? Finish your basement? Add a garage, deck or sunroom? Do you h
    ave plans to do any of these renovations this year? Please let us know so we can make the necessary adjustments to your policy.
  2. Have you added a swimming pool? You should consider increasing your liability coverage for potential accidents related to the pool.
  3. Did you add or upgrade an alarm system for your home? Alarm systems can earn you discounts on your premium.
  4. Did you purchase or inherit any expensive jewelry, antiques or artwork? There is limited coverage for these items. Especially valuable items should be scheduled on your homeowner policy.
  5. Did you start a home-based business? Again, the standard Homeowners policy may not provide the coverage you need for inventory or equipment.
  6. Did you pay off your mortgage or change lenders? We need to have correct information on file to facilitate claims.

Get Your Yard Ready for Warm Weather

Spring is a good time to do a yard inspection for any damage or hazards that resulted from the winter weather. Some things to take a look at include:

  • Your deck to see if there are any weakened boards, railings or steps that should be repaired or replaced
  • Your children’s swing set to see if there are rust spots on metal, splinters on wooden parts, or weakened supports
  • Your gas grill’s hoses and connections to make sure these are safe to use
  • Tree branches near your house to see if these are overhanging or damaged and should be removed
  • Your fencing to see if it is intact and securely in the ground.

We want you to have a safe and enjoyable summer!

Trampoline Warning

Are you aware that some insurance companies won’t cover your home if you have a trampoline, even one with guards around it? Many companies consider the risk of injury too great for them to accept the risk. If you have a trampoline and your insurance company doesn’t know about it, the company can refuse to pay the claim if you have an injury suit. Take the time to look at your policy to see if there’s a specific trampoline exclusion before you invest in a trampoline for your family.

Accident forgiveness and other special endorsements

You’ve probably seen the television ads for accident forgiveness, vanishing deductible, new car replacement, etc. Some of the ads make it sound like these are already part of the policy. They’re not. They’re what we call endorsements, which are added to your basic auto policy at an additional cost. You have to apply for these endorsements. In some cases, there are qualifications you must meet. But if you’re interested in finding out more about these “peace-of-mind” coverages, call or send us an email.

Identity theft protection

Some call identity theft “the crime of the 21st century.” According to the Federal Trade Commission (FTC), over 9 million Americans fall victim to identity fraud each year. Your best defense against these staggering statistics is to be proactive in monitoring your credit and debit card purchases and your credit score, and take immediate action.

A second line of defense is your home insurance policy. All companies provide some form of coverage against identity fraud. Limits can be as high as $25,000, depending on the company. Some offer the identity theft coverage as a low cost endorsement to your policy. If you are interested in this coverage, call or email us.

Larry M. in Haverhill says:

“I have had all our insurance with the James Page Agency since 1972. For all that time we have had a great working relationship. You call them once with a change or a problem and they take care of it. Because they represent many companies, they can make sure you have the best insurance for you at a good price. As a business owner, I don’t have time to spend researching companies and policies. I simply call on them. They want you to be fully informed so you can make the best decisions.”
— Larry M., Haverhill, MA
Owner, Local photography business

John S. in Haverhill says:

“What I appreciate about Page insurance is that Chuck and Jim take the time to understand your business operations plan so they can make the best recommendations. This lets them tailor your program to support your operating plan. Whether it is Worker Comp or liability or property coverage, they are going to find the right balance of protection and cost. As a non-profit we have to be very conscious of these things. I also appreciate how they keep calling to nudge me into taking care of what I need to deal with when it comes to our insurance. We had property damage during the awful winter of 2015. They were very helpful with the whole claims process, staying on top of everything and making sure I did my part in a timely manner.”
–John S., Haverhill, MA
CEO, senior residential care facility

Tim D. in Haverhill says:

“You could say that I inherited the Page Insurance Agency when I bought one of my buildings about six years ago. They do such a good job of balancing price and service that I moved more of my properties to them. Business insurance is very complex and very expensive these days. With lawsuits, you have to be very vigilant about how you’re covered. While you want to save money where you can, you must maintain the protection you need. I can count on Jim and Chuck to answer my questions and provide advice whenever I have decisions to make that may impact my insurance costs.”
— Tim D., Haverhill, MA
Owner, commercial and residential property management

Dave P. in Hampton says:

“We’ve had all our personal and business insurance with the Page Agency for over 55 years. They have always taken a sincere interest in our needs and have been very thorough in securing the right coverage for us. We haven’t had many claims in all those years. But last spring a car went off the road and demolished our office and some other structures. The agency did a great job of helping us get through the claims process. There were just a lot of details they helped with. They did a really outstanding job for us.”
— Dave P., Hampton, NH
Owner, manufactured housing communities

Be Proactive! 12 Useful Tips

  1. Remain calm– the event has already occurred and getting upset will not change the situation.
  2. If possible, remove the vehicle from the roadway. This will prevent another vehicle from becoming involved in the same crash.
  3. Be cautious about rendering assistance to anyone injured. You could be doing more harm than good.
  4. Take pictures of the crash immediately afterward if you have a camera or smartphone available.
  5. Call police to the scene. The police will gather all information necessary to help you with the insurance claim.
  6. Gather your facts and do not make a statement of fault.
  7. Ask to see the other driver’s license, registration, and insurance identification card. From the insurance card, take down the name on the card, the policy number, and the three digit insurance company code.
  8. Notify your insurance company as soon as possible. (Click here for list of our companies.)

Immediately after your accident, you should:

  1. Be contacted by an insurance adjuster within 2 business days of the report of accident.
  2. Complete a crash report if the damage is greater than $1,000. Currently, the crash report may be downloaded from this link – MA Crash Report
  3. Provide James Page insurance with any medical or towing bills.
  4. Receive a personal injury protection form from your insurance company if you are injured. This will allow medical bills to be paid.