To understand just how important uninsured motorist coverage is on your auto insurance policy, take a moment to digest the fact that 13% of all automobile accidents today involve hit-and-run or uninsured drivers. In such cases, uninsured motorist coverage gives a measure of protection against bodily injury and damage to the car that the other driver does not even begin to address. Conscientious consumers will want to purchase coverage that extends beyond minimum coverage to amounts that match their bodily injury liability coverage. That is, after all, the coverage that protects you, not the other driver. This protection strategy makes a good deal of sense to those who have always been told to "watch out for the other guy."   Your homeowner policy does not provide coverage for flood. If you live in a flood prone area as defined by the Federal Government, you may purchase this flood insurance through a special program.   Some areas of Massachusetts have had a minor earthquake in recent years. Earthquake losses are not covered in the basic homeowners policy. This coverage can be added to your existing policy.   If your 5 year old sofa that cost you $1,000 is destroyed by a fire, you would only collect a portion of its value due to depreciation. To replace it at today's prices, it would probably be $1,500. If you bought Replacement Cost Contents Coverage, you'd collect the $1,500 needed to buy a new sofa. The same would be true for all of your contents with the exception of antiques and irreplaceable items, which do not fall into this category.        back   Home | Who We Are | Policies Offered | Companies Represented Privacy Statement | Save Money | Community Service | Contact Us