Massachusetts 2016 Low Number License Plate Lottery Applications Now Being Accepted

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Learn about the Massachusetts Lottery for Low License Plate Numbers, including how to enter online, available plates, and important dates for the 2016 drawing.

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Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

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Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.

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2016 Hurricane Season is Here, Be Prepared

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The 2016 hurricane season begins June 1, with NOAA predicting 4 to 8 hurricanes. Prepare by creating a disaster kit and reviewing your insurance—standard policies cover wind damage, but flood coverage requires a separate policy. Strengthen your home by trimming trees and securing windows, and consider buying a generator. Contact your agent to ensure your coverage is sufficient before the storm season.

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Mitigate Rental Property Coverage Gaps

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Homeowners can rent property to tenants regularly, and it’s crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.

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Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

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In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.

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Why You Need Uninsured Motorists Coverage

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When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.

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Home Insurance Checklist…Getting the Best Value

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To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you’re a new homeowner or have owned your home for some time.

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House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

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The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.

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Be Aware of Uber and Airbnb Insurance Gaps

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Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It’s essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

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Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

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Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you’re comfortable paying out of pocket.

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