Category Archives: Car Insurance

A Few Reasons Why Insurance Is Necessary

Insurance is just one of those things that you hope to never need, but are incredibly glad you have it if and when you do need it. That being stated, there are multiple types of insurance to choose from, and they are all valuable in different ways.

The main point of having insurance coverage is to mitigate your overall risks in life.

In essence, insurance is there to protect you when the junk hits the fan. In fact, making a small investment in personal insurance will provide you with the ability to not only live with far less stress, it will also provide you with security in advance.

The bottom line is that insurance is far more than a simple tax savings tool. It also provides you with multiple vital benefits. The following information will provide you with a few reasons why insurance is not only important, but also necessary.

Reason #1: Insurance Protects Your Loved Ones

Although your current income may comfortably support your family and their future goals, what would happen to them if you suddenly died? Would your spouse and your children be able to meet their current financial needs, let alone their future ones without you?

If you truly want to provide for your loved ones no matter what happens to you, consider purchasing a term life insurance policy.

If you do happen to pass away before your time, your family will receive either a lump sum amount, or a monthly payout that will provide them with enough money to cover their financial requirements now and in the future.

The good news is that term life insurance is a type of coverage that has an affordable premium cost. The investment is well worth the fee. You will be able to live with the peace of mind of knowing that your family will be well taken care of from a financial standpoint.

Reason #2: Insurance Protects Your Assets

If you own a house, other types of real estate property, a business, or anything of value than you need the appropriate insurance coverage in order to protect those assets.

For example, your homeowners/property owner’s insurance policy covers the cost to repair or replace your real estate and valuable contents that are damaged or destroyed by fire and most natural disasters.

Your automobile insurance policy pays for repairs or replacement of your vehicle if you get into an accident. Protecting your assets is extremely important because you just never know when a catastrophe will occur.

Reason #3: Insurance Protects You From Liabilities

We happen to live in an extremely litigious world. It seems as if everyone is looking to sue you in order to benefit from a monetary gain.

That means you need to have the proper insurance policies in place in order to protect you from those liabilities. For example, homeowners/property owners/renters insurance protects you if a person is injured while visiting your house, commercial/industrial property, or apartment.

In essence, if that person decides to sue you, the insurance will typically cover the costs so that you will not need to pay out of pocket. The same holds true for automobile insurance.

If you cause an auto accident and the other party or parties are injured, you will be held liable. Once again, the insurance will typically cover the costs so that you will not need to pay the victims out of pocket.

In conclusion, life in incredibly uncertain and has a way of throwing surprises at you when you least expect it. In order to be fully prepared to deal with the contingencies in life, insurance is absolutely essential.

It is important to fully understand exactly what you are purchasing when it comes to insurance policies. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your insurance policies and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs now and in the future.

3 Tips That Will Help You Avoid Speeding Tickets And The Insurance Surcharges That Go Along With Them

3 Tips That Will Help You Avoid Speeding Tickets And The Insurance Surcharges That Go Along With Them

Did you know that in the Commonwealth of Massachusetts speeding points are automatically linked to your automobile insurance premium? In essence, your insurance rate will increase if you are found guilty of a speeding violation. These points typically remain on your driving record for six (6) years, which means that you will be paying a higher automobile insurance rate for those six (6) years. The increase can be significant based on the particular violation and the resulting amount of the speeding ticket. That being stated, it is important to do whatever you can to reduce your chances of receiving a speeding violation. The following three tips will help avoid speeding tickets, and the insurance surcharges that go along with them.

Tip #1- Drive The Speed Limit- Although this may sound a bit obvious, driving the speed limit is the best way to ensure that you will not receive a speeding ticket while driving on local roads, and highways. If you do not speed, you will never need to worry about receiving a ticket from a police officer. In addition, you will significantly reduce the chances of being involved in an automobile accident, particularly a fatal one. According to the National Highway Traffic Safety Administration, speeding is a contributing factor in over 30% of all fatal automobile accidents each year. Typically speaking, approximately 10,000 plus human lives are lost due to accidents caused by speeding on a yearly basis.

Tip #2- Plan Accordingly- One of the main reasons that drivers speed is because they are in a rush. Our society happens to place a high value on efficiency, and as a results far too many of us have become programmed to do everything as fast as possible. That typically leads to driving over the speed limit when operating an automobile. However, most drivers fail to realize that speeding does not get you anywhere significantly faster than driving at or even slightly below the speed limit. For example, if you are driving 10 miles per hour over the speed limit, you will only gain two (2) minutes when traveling for 15 miles when the listed speed limit is 55 miles per hour. It is certainly not worth saving a measly two (2) minutes to take the risk of receiving a speeding ticket, let along getting into an accident.

If you happen to be the procrastinating type or run late a lot, speeding will not help you to get from point A to point B much faster. The best thing you can do is plan ahead so you will know exactly how long it will take to arrive at your destination. That way you will feel far less inclined to blow past traffic when you hit the road.

Tip #3- Select The Right Type And Color Automobile- Believe it or not, the type and color of your car, truck, or SUV can make a big difference when it comes to receiving speeding tickets or not. For example, white, gray, silver, and red automobiles are pulled over far more often than any other colored vehicles. The model of your automobile can also affect your chances of receiving a speeding ticket. According to a recent study, three specific models were 300% to 400% more likely to receive a speeding tickets when compared to other automobile models. They are the Mercedes-Benz SL, the Toyota Camry Solara, and the Scion T. If you drive one of these models it may be time to purchase or lease something else, particularly if the automobile is white, gray, silver, or red.

In conclusion, there are things that you can do in order to avoid speeding tickets and those nasty auto insurance surcharges that along with them. If you have any questions, please call (508) 831-0133 to contact an associate at Zawada Insurance. We are happy to walk you through the details of your automobile policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.


Characteristics That Affect Your Auto Insurance Rates In MA

There are a plethora of factors that determine the rates that Massachusetts drivers are required to pay in order to insure their personal vehicles. That being stated, there are just as many myths that surround this hot button topic. So we decided to separate the facts from the fiction in order to provide you with a better understanding of how the system works. Our goal is to explain the factors that determine why you are paying more or less for auto insurance than your family, friends, neighbors, and co-workers.

So without further ado, the following information will teach you all about the characteristics that affect your auto insurance rates in MA, and some myths that have absolutely zero impact.

Does The Make, Model, And Year Of Your Vehicle Determine The Auto Insurance Rate?

The answer to this questions is YES. It is a true fact that the make, model, and year of your vehicle goes a long way in determining your auto insurance rate. Cars, trucks, and sports utility vehicles are assigned a safety rating. The safety rating determines the chances of the vehicle getting into a serious accident, and the insurance companies take this into account. For example, automobiles with higher safety ratings have lower insurance premiums than automobiles with lower safety ratings.

In addition, your vehicle’s year, make, and model have a direct impact on its value. If your auto insurance policy includes comprehensive and collision coverage than the dollar amount of protection that these coverage’s provide is typically set to be equal with the value of your car, truck, or SUV.

Does The Color Of Your Vehicle Determine The Auto Insurance Rate?

The answer to this question is NO. Although a great deal of drivers are under the false impression that the color of their automobile helps to determine the price that they are required to pay for insurance, nothing could be further from the truth. Most likely this myth was formulated due to the fact that certain colors are more noticeable to police officers when moving down the road. For example, if you drive a brightly colored vehicle, particularly red, than you may be at more risk of a speeding ticket than someone that drives a white automobile.

Does Your Driving Habits Determine The Auto Insurance Rate?

The answer to this questions is YES, YES, and YES. Your driving habits have an enormous impact on how much you pay for auto insurance. In fact, your driving habits affect the premiums in multiple ways. For example, automobile insurance underwriters consider whether or not you have moving violations, if you have been in any accidents, and how many miles you drive on average per year. The majority of drivers are aware that negative driving records increase insurance rates.

In MA, each moving violation increases your auto insurance premium for seven (7) years. That means speeding tickets end up costing a lot more money than the initial fine. The good news is that your driving habits do not necessary have to affect your auto insurance premiums in a negative way. Many insurance companies are now utilizing advances in technology to develop devices that track how quickly you accelerate, how long it takes you to slow down, and how far you drive each day.

If you happen to be a cautious driver, the device will help to verify your good driving habits. Your insurer may even offer you discounts on the policy based on this information.

Does Your Credit Score Determine The Auto Insurance Rate?

In most states across the country, insurance companies can and typically do consider credit scores when calculating auto insurance premiums. That means having a low credit score or no credit can significant increase the policy rates. The good news is that the Commonwealth of MA has banned this practice, so the answer to this question is NO. If you live in MA, your credit score will not impact your auto insurance premium.

Please call (508) 831-0133 to contact an associate at Zawada Insurance to walk you through the details of your auto insurance policy and explain your coverage options. We look forward to helping you with all of your personal and or business related insurance needs.

Should your insurance coverage change during the spring?

With the onset of spring comes various business changes that may include new business ventures and projects. However, the season also comes with its own challenges, excess water being one of them. The volatile spring weather could be dangerous for you and your business. Consequently, ensuring you have insurance protection could go a long way in shielding you from financial losses in case of a natural disaster. Here are some tips to help you to remain safe and secure during the upcoming spring months.

  1. Floods

Flood insurance cost does not compare to the costs that flood damages can cause. The average flood damage when it happens is $39,000 while flood insurance is only about $700 per annum. These figures show that regardless of whether you are a homeowner or a business owner, having proper flood insurance coverage is crucial.

  1. Wet weather increases chances of injury

During wet weather, cases of slips and falls increase significantly. Employees involved in outdoor activities such as maintenance and cleanup are also exposed to similar risks. During these accidents, you and your employees may get injured and some goods may also be destroyed in the process. Due to the rise in your insurance liability risks, you should ensure you have the necessary insurance coverage during this time.

  1. Increase in traffic and road accidents

During the spring break there are far more travelers and with that comes an increased risk of accidents. Motorcycles are at a higher risk as its one of the best seasons to hit the road and enjoy the weather again. New England weather means sunny one minute and rain the next which can cause some dangerous driving conditions. Did you know that in 2016 alone 13% of traffic fatalities were motorcyclists? When spring is in the air, motorcycles are everywhere, and so in an increased risk for everyone, so making sure your covered is crucial.

  1. Spring comes with increased activities

If you own a business, spring could be one of the best times to expand. With business expansion, there is also an increase in customers and an increase in business additions. Ensure your insurance covers every new thing that you have added to your business. If you purchased new vehicles and equipment, ensure you have updated your insurance to cover for the changes in your risk profile. Check your general liability insurance to ensure all the new risks or tasks are covered.

If you are unsure how you need to go about adjusting your insurance during the spring, feel free to contact us. We will gather all the necessary data and information about the risks to determine the insurance packages that you need. Since 1989, we have provided our clients with quality personal and business insurance products at Zawada Insurance Agency Inc. We will help you to avoid any claims against you or your business by getting you insured.

Top 6 Car Insurance Myths : What to Know This Winter

With the first snowfall in November, it looks like we may be in for a long winter. That’s why you need to make sure you get the facts about auto insurance, especially during the snowy season. Check out these six common myths about car insurance:

  1. If you cause an accident, even if it’s because of a slippery road, your insurance rates will automatically increase.

This can be true sometimes, but not always. It often depends on your insurance company’s policies and the types of coverage you have.

  1. Newer vehicles will cost more to insure.

Not necessarily. In fact, many newer vehicles come equipped with more safety features than older cars, which can actually lower your rates.

  1. The only safety feature that matters in the winter is four-wheel drive.

In snowy conditions, it helps to have four-wheel drive, but that is not the only safety feature that can reduce your chances of getting in a winter-related accident. It’s also good to have anti-lock brakes. This will prevent the car or truck from skidding on slick surfaces. In addition, some newer vehicles, such as SUVs, have indicators on the dashboard that let you know when the road has reached a temperature that’s below freezing.

  1. Liability insurance covers other cars you hit and those cars that hit you.

No. Liability does cover damage to vehicles that YOU hit. But if someone hits you, you’ll want collision coverage, which will pay for the cost of repairs that you may need for your car.

  1. If you have a good driving record, you won’t be penalized if you have an accident due to winter weather.

Unfortunately, that’s often not the case. If you have an accident, even due to rough weather conditions, you could still lose any safe driver discount.

  1. Liability and collision are the only coverages you need in winter.

No. Winter is the time to make sure you have roadside assistance as well. In fact, before the first snow storm hits, you should be aware of whether or not this is included in your auto insurance policy. Roadside assistance will cover you if your car runs off the road during a storm or the battery dies and you need to be towed, or any other unforeseen issue.

To be safe, get comprehensive coverage, and you’ll be protected for all kinds of things you may not have even thought of. For instance, comprehensive coverage will take care of things like stray icicles falling on your car, clumps of snow flying into your windshield from a car in front of you that wasn’t scraped off properly, or if your car is warming up in the driveway and it gets stolen. In many newer vehicles, you can start your car from inside the house without unlocking it, which can prevent the likelihood of your car getting stolen. So this is another important safety feature to have, especially during the coldest months.

For more information on winter weather and auto insurance, keep checking our blog!

Zawada Insurance Agency works to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.





Flooding and Auto Insurance: What You Should Know to Protect Your Car

Better to be safe than sorry. This is the best rule of thumb when it comes to flooding and auto insurance. During a season of heavy rains, unpredictable storms and rising lakes and rivers, you’ll want to make sure you’re covered in the event your car is damaged by floods.

Comprehensive coverage is the way to go        

If you live in a high-risk flood zone, and even if you don’t, you should choose comprehensive coverage in your auto insurance policy. Remember, your auto insurance doesn’t automatically come with this coverage; you have to get it additionally. Think of comprehensive coverage as the type of coverage that doesn’t involve accidents with other vehicles. Comprehensive coverage protects you from acts of nature beyond your control, and if your car should get stolen. When you make a comprehensive coverage claim, you don’t have to worry about your insurance premiums going up the way they can after a collision coverage claim.

When to get comprehensive coverage

You should get it right from the start. For instance, if you live in a hurricane-prone area, and a hurricane is coming your way, you will likely be denied coverage if you want until a storm is forecasted. You should get the coverage right away just in case.

Imagine you’re driving down the road, and the road ahead suddenly becomes flooded. You’re unable to go any other way. For safety reasons, you may need to abandon your vehicle. If the road is still drivable, you might forge ahead, only to have your car damaged by flood water. You’ll need to pay your deductible, then be covered for repairs or if the car is a total loss.

When NOT to get comprehensive coverage

This is entirely up to you. Some people prefer the peace of mind of knowing their car is protected. However, if you drive a much older car and it costs less to replace it if it’s a total loss, you may consider dropping this type of coverage. Again, that’s your call.

What to know about flood claims

When it comes to flood claims, the sooner you call the better. You should alert your insurance company right after a catastrophic event has occurred. This accomplishes two things: first, your claim will be processed much sooner. Second, insurance companies are more likely to cover you in the event of something sudden. If too much time has passed, you could be suspected of basic neglect, which is never covered.

What to do about the damage to your car

You should have professionals dry out your car as soon as possible. This will reduce the risk of a total loss. Make sure you take your car to your insurance company’s preferred repair shop.

For more information on which auto insurance is right for you, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Lower Your Car Insurance Costs

5 Ways to Cut Costs

Before buying car insurance, it’s important to know what factors contribute to the cost. Generally, car insurance premiums are determined by the price of your car, the car’s safety record, the likely cost of repairs, and the risk of theft. (Some vehicle models are more popular to steal than others.) Keeping these things in mind, there are also ways to save on your car insurance. Here are just a few examples:

  1. Shop and compare.

Don’t accept the first price you’re told. It’s always a good idea to get at least three different quotes from car insurance companies. Either shop around yourself or work with a trusted company that will shop for you and compare costs to get you the best deal. Through this research, you should also find out what you can about the insurance company’s record. Now you can go online and find out how many complaints a company has had. Check the company’s financial stability and overall reputation. You can check this information in consumer magazines and websites, or go to the website for Standard and Poor’s: . In some instances, you may pay a little more for working with a more reputable company. Price alone shouldn’t be the only consideration when choosing a car insurance company.

  1. Review your policy before you renew.

Many people simply go ahead and renew without thinking, especially if they’ve been with the same insurance carrier for a long time. But make sure your circumstances haven’t changed in ways that could significantly reduce your costs! For example, do you now work from home? Or do you have a different job with a shorter commute? This can affect your insurance costs.  And did you know that what you do for a career can impact your car insurance costs? For instance, if you are in a profession where you’re likely to be on the road a lot, insurance companies will consider you a higher risk than someone who is not. If your job requires you to drive around, making sales calls and other tasks, you’ll be considered a higher risk client.

  1. Maintain a good driving record.

It’s that simple. Safe drivers equal better car insurance costs. If you haven’t been in an accident in the past several years, you are considered less risky and less likely to have an accident in the future. Of course, accidents do happen from time to time. If that is the case, and the accident you had was your fault, remember that it shouldn’t impact your record after three to five years. In addition, a strong credit rating will also help to ensure lower car insurance rates. If you pay your bills on time, you will be looked upon more favorably than someone who doesn’t.

  1. Consider raising your deductible.

A deductible is what you’ll pay out of pocket before your insurance coverage takes over. If you have a higher deductible, it will lower your costs significantly. For instance, raising your deductible from $200 to $1,000 could give you a savings of 40 percent or higher! But before doing something like this, just be sure you have enough money to pay the deductible in case an accident should happen.

  1. Bundle your insurance.

People who use the same company for home and auto insurance often enjoy better rates. This happens because it’s good for business all around. Customers may get special loyalty incentives for using the same company for all of their insurance needs. If you’ve thoroughly researched a company and feel that this is the right way to go for you, it could be a win-win.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

How to Prevent Pothole Damage to Your Car

Winter presents a host of not only treacherous, but potentially expensive, conditions. In colder climates, one of the most aggravating road conditions is the pothole. If you’re not careful, it can shake your car alignment off-balance and ruin your tires.

Car insurance claims and potholes 

If you hit a pothole and it damages your tires, this should be covered under the collision coverage of your policy. Collision coverage also covers other obstructions that you might hit while traveling. When you make a claim, be sure to take photos and notes. Unfortunately, the damage usually costs less than your deductible, so it doesn’t necessarily save money to file a claim at all. For this reason, prevention is the key to saving money. But you can’t always prevent driving over potholes. So what can you do? Read on. . .

How to prevent pothole damage

If you come upon a pothole, don’t slam on the brakes or swerve the car. Of course it’s nice to be able to avoid them, but on busy roads, sometimes this is impossible. The best thing to do is to reduce your speed so you can glide over it squarely. Remember to stay alert, looking down the road at potential hazards. That seemingly harmless puddle could be covering up a deep pothole!

Get regular car inspections. Especially during the colder months, if you notice a constant decrease in tire pressure, it may be time to rotate your tires. Underinflated tires that hit a pothole can cause a flat or a blowout. Overinflated tires can damage the structure of the tire itself. If you suspect you may have a flat, drive slowly and try to pull over to a place away from traffic. To prevent under- or overinflated tires, keep your tire air pressure at the manufacturer’s recommended levels. In many vehicles, you can see the recommended air pressure numbers on the inside floor of the driver’s side when you open the driver’s side door.

Hitting a pothole can easily mess up your alignment. Is your alignment out of whack? If it is, you may feel a vibration in the tires or the seats in your car. If your car pulls to the left or right, this is also a sign of poor alignment.

When you inspect your car, always check the tread of your tires. The general rule is to take a quarter and insert the edge into your tire tread. George Washington’s head should be partially covered. If not, it’s time to look for some new tires.

Also have your shock absorbers checked. A vibration could indicate a problem with your shocks or suspension.

Remember that winter and spring are the seasons when road damage is worse than ever, as the concrete expands and cracks. Regular maintenance and inspections can help prevent any damage to your car should you encounter potholes or other road hazards caused by rough weather.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

A Winter Nuisance That Can Become a Real Danger

Windshield Safety

It’s something you never think about until you need it or it fails to work. You’re driving down the road, drizzling rain or sleet rushing toward your windshield, and you pass a truck that sprays a mix of moisture and mud all over your field of vision. You push the lever for your windshield wiper fluid to come out and it doesn’t. This poses a real safety hazard, and you must pull over immediately, if possible, to clean it manually. What can cause your fluid to fail? And what can you do about it?

First things first. You should check under the hood to the container where the wiper fluid is stored. Check first to make sure you haven’t run out of it. If you have, it’s an easy fix. Most all gas stations carry wiper fluid, and you can refill it yourself without having to go to a mechanic. If the fluid container is full, or there’s an adequate amount, check for other causes.

When Windshield Wiper Fluid Freezes

In the winter, the cause of the fluid not coming out is usually because it’s frozen. Many washer fluids will freeze at any temperature below freezing, which is 32 degrees. If you are in a steady period of snow storms and below freezing temperatures, you may find this problem particularly troublesome. If you live in an area like New England, where these weather conditions can last for months, it’s in your best interest to get a washer fluid antifreeze. These are available in a variety of formulas with varying freezing points. The reason the washer fluid antifreeze works is because it contains ethanol, methanol or other alcohol mixed with water.

A Word about Washer Fluid

Note: If you’ve had washer fluid with methanol sitting in your garage or under a hot car hood, there may be a chance that some of the alcohol will evaporate, possibly making the freezing temperature higher than advertised on the bottle. You’d need to empty out what’s left of the old fluid and put some fresh fluid in there to be sure you’re ready for winter.

How to Unblock the Washer Jets

If it doesn’t appear that the fluid is frozen, check the nozzles where the fluid comes out. Sometimes something as simple as a safety pin can work to dislodge any ice or debris that may be preventing the fluid from squirting out.  If the ice is wedged deeply in there, try a hair dryer if you can get close enough to an outlet. Sometimes the jet nozzles just need a little thawing out!

If you know that your washer fluid has frozen, you could be at risk for the container or the pump that pushes the fluid out to be cracked. In the event that this happens, you’ll need to see a mechanic to replace your washer fluid system or whatever the damaged part is.

When the Washer Fluid System Doesn’t Work

You may need a mechanic if you’re not comfortable fixing this yourself. But if it isn’t the washer fluid, there could be a blockage in the line underneath the hood. Or there could be some kind of damage to the pump.

Whatever the case may be, make sure you have a fully working windshield washer system. It’s an important safety feature all year long, but especially during a season when there can so easily be precipitation and other obstructions to your vision.

Good luck and safe travels!

For information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

New Year, New Insurance

How to Get Lower Rates on Your Insurance

As the New Year approaches, one of your resolutions may be to find more ways to save money. You can do this by rethinking your insurance policies. It’s always a good idea to do an annual insurance review, because you might discover that you could be eligible for discounts and other savings that you aren’t currently taking advantage of!

For example, if you have an older car, you may have had the same car insurance for years. But did you know that your rates could be lowered based on any changes that have happened recently? For instance, if you changed jobs and don’t commute as far, that can affect how much you pay. And most likely, it will reduce the cost.

More Ways to Save on Homeowners Insurance

Also, you might be eligible for discounts to your Homeowners Insurance if you recently installed a security system or quit smoking. If you started bundling all of your insurance policies with one company, they’ll most likely give you discounts for that, too.

How to Do an Annual Insurance Review

Take time before the New Year to collect all of your insurance policies, whether it’s home, auto, renter’s, motorcycle, etc. Usually you can find the basic information on the summary page of your policy. Here’s what to look for: the amount of coverage, your premium costs and your deductible. Keep in mind, if you want to lower your premiums, you’ll be raising your deductible. First, you should make sure you can afford the deductible amount if you have to make a claim.

Could You Rebuild Your Home If You Had To?

This is an important question when you’re reevaluating your home insurance. The reality is, construction costs could be much higher than when you first took out your insurance policy. Also, remember that insurance companies will tell you that if something major needs to be replaced, it will be replaced with something of “like kind and quality.” Your kitchen may still look like the 1980s. If you needed to upgrade your kitchen with more contemporary cabinetry and appliances, you’ll need to be able to cover that cost.

Did You Purchase Valuable Items?

In the past year, you may have purchased jewelry or other very valuable items that you may not have extra coverage for. Do an inventory to make sure you haven’t forgotten that priceless painting! If you discover that you did buy something like that, you’ll need to increase your coverage for “personal possessions.”

Is Your Home More Likely to Flood?

When you purchased your house, it may not have been in a flood zone at the time. But in recent

years, have you had more damaging storms and repeated flooding in your basement? It may be time to consider getting flood insurance, even if it wasn’t required.

What Umbrella Insurance Can Do for You

Last but not least, consider umbrella insurance. It’s a low-cost way to get extra protection for things like your retirement fund, investments and any future income, which may all be lost as the result of a lawsuit. Many people don’t think about liability coverage until it’s too late. So umbrella insurance will help protect you above and beyond your standard home and auto insurance coverage.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.