Category: Archives

20 Sep 2018
How Insurance Can Help Maintain Your Classic Car

How Insurance Can Help Maintain Your Classic Car

Tailor Classic Car Insurance Coverage to Your Maintenance Needs

 

Running a classic car can be a rollercoaster of emotions. On the one hand, you can take a trip down memory lane and experience the golden age of motoring. On the other, you may find your classic car to become a labor of love – or at worst, a financial nightmare. When your classic vehicle needs repairs and maintenance, you may find that even if the price of the vehicle hasn’t gone up, the cost of repair has gone through the roof. There’s no doubt that classic cars are high maintenance, but how can your classic car insurance in Wellesley, MA help?

 

Classic car repair costs are on the rise. In addition to a higher standard of care, the number of specialist mechanics is dwindling. There are fewer people with the skills to actually repair these unique cars, and not just replace parts. Those people are hard to find, and may charge accordingly for their specialized services. The good news is that your classic car insurance coverage can help. Your policy should contain wording that would allow for specialized parts to be ordered or a specialized mechanic to be used if it is involved in a collision and is damaged. This is because the labor rate to repair a collector car is substantially higher than it would be for an everyday mass-market car.

 

Typically, a good classic car policy will also allow the collector to repair the vehicle whenever they want. Whether the car owner wants to take his/her vehicle to the most qualified shop in the country or a shop that specializes in that type of vehicle, the policy should be able to agree to the owner’s preference. More often than not, a client will want to take it back to the person who did the work originally, but if they don’t know, the insurer will be able to advise on recommended repair shops.

 

Are you an avid classic car fan? Then visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans. Check out upcoming events here!

 

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency, and with access to specialty companies such as Hagerty, Grundy and AIG, we will be able to provide you and your collector car the policy it needs. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

13 Sep 2018
Is Your House Located in a Flood Plain?

Is Your House Located in a Flood Plain?

Insurance Coverage for Floods

 

It’s not always obvious that a house in a flood plain. In fact, if your property is located further inland in Massachusetts, you may think that you’re safe from flooding altogether. Even if you live near a river, you may think you’re safe based on how many hills and buildings there are between you and the water. The reality is that no property is immune to flood risks. The team at CAV Insurance Agency can help you determine if your home is a risk of flooding and if flood insurance could benefit you.

 

Many homeowners are under the belief that flood coverage is included under their home insurance policy. Unfortunately, this is not often the case, and homeowners find out when it is too late. Since flood protection is excluded from most standard home insurance policies, ensure that you properly assess whether or not your building needs coverage.

 

If your home is located in a high flood risk area, you should consider flood insurance. Even if your property is not located in such an area, home that are further away from the water source may still need flood coverage. Your mortgage lender may require that you purchase flood insurance, depending on the location of the house.

 

Flooding can happen at any time, and water damage can be devastating. Just last year there was significant flooding on Route 9 in Wellesley. Property owners in areas like Wellesley, Westwood and the Cape should consider flood insurance due to being near water sources. If you’re near a water source, there is a possibility of floods. Get to know your local area by visiting the Federal Emergency Management Agency (FEMA) flood map that outlines potential risk areas. You can also visit the National Centers for Environmental Information (NCEI) to research past flooding events in your area.

 

Ultimately, even if your house isn’t in a flood plain and flood insurance is not mandated on your home, the decision about purchasing a policy is up to you. The CAV Insurance Agency team stay up to date with the latest maps and will help you understand your flood safety risks as well as offer you reliable coverage choices for your needs.

 

Our team proudly serves the insurance needs of individuals, families, and businesses in Wellesley, Dover, Needham, Brookline and surrounding cities in Massachusetts. Talk to us today to find out how we can help you protect your property with flood insurance coverage.

06 Sep 2018
How to Prepare Your Business for Winter Storms

How to Prepare Your Business for Winter Storms

Prepare Your Workplace for Winter Weather

 

The approach of winter means different things to different people. You might be eager for holiday events and snowy days, but if you’re a business owner in the northeast, it’s important to prepare your business for the inevitable wintry weather. In the fall and winter, Massachusetts can get hit with some nasty hurricanes and blizzards. We can’t forget that only last year, the northeast got hammered by winter storms, including Storm Niko, and faced serious snow and flooding. If you’re familiar with storms in the northeast, you’ll know that winters can range from freezing rain and ice to a moderate snowfall over a few hours to blizzard conditions with blinding snow that lasts weeks.

 

Whether your business’s location is in Needham, Natick, or surrounding towns, you should adequately prepare it for the season ahead.

 

  • Prepare your office building

Extreme winter storms can cause expensive structural damage to your building. The most common culprits are frozen pipes that burst, meaning that melting water seeps indoors. Be sure to check your building carefully for drafts, leaks, and cracks. Replace old weather stripping at the bottom of doors to hold off melting snow that piles up outside. Maintain a supply of floor mats to keep by the door, and encourage employees and customers to wipe their feet before entering the building.

 

  • Make a plan for snow and ice removal

Whether it’s a removal service or close friends on speed dial, have a plan in place to get rid of the snow and ice that has built up on your building and surrounding property. Snow and ice can cause structural damage and limit customers’ access to your business if you’re able to stay open. The latter is a potential safety hazard that could result in expensive liability claims, so be sure that pathways leading to and from the building are clear and safe.

 

  • Keep employees in the know

Communicate an emergency plan to employees before an emergency hits. Pay attention to warnings and alerts, and let your employees leave when they can still get home if it is feasible to do so. If there is a chance the business could close in the event of a storm, let employees know ahead of time how they will be notified (text, email, etc.).

 

  • Keep a detailed inventory

While it’s a good idea to maintain your inventory list year-round, it becomes especially important before winter storms. Take photos of your building and all of its contents. Store these pictures in a safe place, and keep detailed records of all equipment and assets. If anything is damaged or destroyed in a storm, the inventory list will make replacements easier.

 

  • Gather digital items

There are certain phone numbers you should have stored in your cell phone. These include your local fire and police lines, the power company, the nearest hospital, and your insurance providers.

 

A small investment in winter storm preparation for your business can pay huge dividends when a blizzard hits. These tips will help your business weather north-eastern storms. To find out if your business insurance is ready for a fall or winter storm, call CAV Insurance Agency on 781-237-4107. We serve business owners in the Metro West areas such as Natick, Wellesley, Dover, Sherborn, and Weston.

30 Aug 2018
5 Ways to Identify a Collector Car in an Expanding Market

How Ways to Identify a Collector Car in an Expanding Market

Tips to Spot a True Collector Vehicle and Insure It 

With the value of classic cars continually rising, it has become very popular for people to appreciate the beauty of them. For some, the ability to identify a classic car is instant and natural. For others, a few handy tips help. With an influx of younger buyers like millennials entering the collector car market, the vehicles that were once teenage dream vehicles are becoming collector cars. If you would like to know more about how to identify a collector car, read on.

  • Do Your Research

One of the best ways to brush up on your knowledge of some of the older vehicles is to attend local car shows. These take place for fellow enthusiasts to get together and drool over each other’s pride and joy. A bit of time on the Internet can tell you a lot about collector car makes, models, and more. A little bit of research will help you to spot a true collector car.

  • Talk to the Classic Car Owner

A great way to get the download on a particular make and model is to find the owner. Most classic car owners will be more than happy to share their knowledge. Ask about the history, the maintenance, the drive, and more to get a feel for the vehicle.

  • Get Close-Up

Along with attending classic car shows, you will get the chance to view some of the top vehicles up close. By witnessing it first hand and taking pictures, you will soon get an idea of what kind of car you like.

Why not visit the home to America’s oldest car collection? The Larz Anderson Auto Museum features old and collectible cars that span the centuries. The museum also offers enjoyable and informative tours, with varied and detailed discussions on the automobile and its impact on today’s society. Here, you’ll be able to learn about vehicles, see them in the flesh, and get to know other collector car fans.

Don’t miss the events at The Larz Anderson Auto Museum! Here are just a few upcoming events that are ideal for collector car fanatics.

  • Porsche Day
    Saturday, September 8, 2018
    10am – 2pm
  • Mercedes Day
    Sunday, September 16, 2018
    10am – 3pm
  • Tutto Lite
    Saturday, October 13, 2018
    10am – 2pm
  • Extinct Car Day
    Saturday, October 20, 2018
    10am – 2pm

Find out more about The Larz Anderson Auto Museum events here.

Safeguarding your classic car comes naturally to the experts at CAV Insurance Agency. We serve motorists from Arlington to Natick, Concord to Cambridge, and neighboring towns. Contact us today and let us put our decades of classic car insurance expertise to work for you!

23 Aug 2018
Ways to Prepare for a Hurricane

Essential Ways to Prepare for a Hurricane

How to Prepare for Hurricane Season in Massachusetts

In Massachusetts, hurricane season runs from June 1 through the end of November. Researchers predict this year to be a slightly above-average season. There could be as many as 14 tropical storms, and several of those are expected to become hurricanes. There’s no way of knowing how hurricanes will affect us here in the northeast, but it is wise to be prepared, nevertheless. Before a devastating storm reaches our area, it’s a good idea to plan ahead. Along with quality homeowners insurance in Wellesley, MA and beyond, these tips can help your family and property remain safe.

Prepare a Basic Disaster Supply Kit

  • Water – one gallon of water for drinking and sanitation per person, per day, for at least three days
  • Food – at least a three-day supply of non-perishable food
  • Battery-powered or hand-crank radio
  • Flashlight and extra batteries
  • First aid kit
  • Blankets
  • Cell phone chargers and portable backup batteries
  • Whistle to signal for help
  • Dust mask to help filter contaminated air
  • Wrench to turn off utilities
  • Pet food, water, blankets, and any necessary medication
  • Local maps with evacuation locations – Find evacuation zone maps here

Create a Family Communication Plan

Each family member should know when and how to contact other family members during a major storm.

  • Establish a routine on how to contact each other if you get separated during an emergency.
  • Encourage each family member to carry a cell phone along with a portable battery pack.
  • Take copies of your written plan and contact details and distribute to family members.

Clear Your Yard and Deck

Even if you live inland in Massachusetts, such as Dover instead of Chataham, it’s wise to prepare your home for an emergency, too.

  • Store grills, outdoor furniture and other moveable objects indoors.
  • Trim loose, dead, or dying tree branches near your home.
  • Secure bicycles and other recreational items

More Preparation Tips

  • Locate a safe location within your home that is away from windows and doors.
  • Take household inventory, including photos and serial numbers, too.
  • Make copies of licenses, birth certificates, passports, and social security numbers.
  • Fill your vehicle gas tank before the storm.
  • Secure your boat or move it to a safer mooring.
  • Review your insurance coverage.

Experiencing a hurricane can be a traumatic event. Fortunately, with the professionals at CAV Insurance Agency by your side, you can feel rest assured that your home, belongings, vehicle, boat, and finances are protected with quality insurance. We serve Metro West areas such as Natick, Wellesley, Dover, Sherborn, Weston. Talk to our team today to learn more about how we can safeguard your assets.

16 Aug 2018
Reasons to Keep College Students on Your Auto Insurance Policy

4 Reasons to Keep College Students on Your Auto Insurance Policy

Auto Insurance in Massachusetts for College Students 

Whether your child is off to Babson College, Boston University, or UMass Amherst, going back to college is an exciting time. Although your child may not be taking a car to school, there are several reasons to keep these students on your auto insurance in Massachusetts. Take a look at just a few good reasons to keep your child on your car policy.

  • They may come home to visit

Although they are studying hard now (hopefully), there will come a time when he or she wants to come home during the school year, whether it’s for a short weekend visit or a longer school break. When they visit, they are likely to want to drive one or more of the family cars. It’s important to note that even when children are away at college, they still maintain a legal residence at your home. As a result, they must be listed on your auto insurance policy to be covered. As we all know, without auto insurance, they are not covered and should not drive.

  • They may drive a friend’s car

Even though your kids don’t have a car a school, their friends may. Perhaps your child needs to drive their friend’s vehicle to run or a quick errand or because they are a designated driver at a college party. Keeping your children active on your policy ensure that they are properly protected in case of an accident.

  • Continuous insurance coverage history looks good

If your child has a lapse in auto insurance coverage, it could hurt their chances of getting affordable rates in the future. To an insurer, consistent insurance coverage (without claims and accidents) can help to lock in a low premium.

  • It can be more affordable.

Keeping your college-age children on your policy may not be as expensive as you think. Many insurers offer student driver discounts, meaning that you can enjoy low premiums while your child keeps their coverage! Ask your insurer about possible savings.

Whether your child just graduated Wellesley High and is off for their first year, or your child graduated from Dover Sherborn 3 years ago and is going back for their senior year kids going back to college can be a stressful time for parents. Reduce the stress and contact CAV Insurance Agency to learn more about auto insurance for your college kid’s needs.

26 Jul 2018
3D Printers and Cars

How 3D Printers Are Restoring Cars

How 3D Printers are Changing the Classic Car Industry:

Technology has brought us a long way, and 3D printers continue to soar expectations of high tech. One new way that such machinery is being used is for printing old car parts. One of the hardships that vintage and classic car owners have is that there are little to no replacements available. In fact, television host Jay Leno goes to his rapid prototyping 3D printer when he needs a part for one of his classic cars.

The 3D printer works as follows:

“Rather than have a machinist try to copy the heater and then build it, we decided to redesign the original using our NextEngine 3D scanner and Dimension 3D printer. These incredible devices allow you to make the form you need to create almost any part. The scanner can measure about 50,000 points per second at a density of 160,000 dots per inch (dpi) to create a highly detailed digital model. The 3D printer makes an exact copy of a part in plastic, which we then send out to create a mold. Some machines can even make a replacement part in cobalt-chrome with the direct laser sintering process. Just feed a plastic wire–for a steel part you use metal wire–into the appropriate laser cutter.

Inside the printer, the print head goes back and forth, back and forth, putting on layer after layer of plastic to form a 3D part. If there are any irregularities in the originals, you can remove them using software. Once the model is finished, any excess support material between moving parts is dissolved in a water-based solution. Complexity doesn’t matter, but the size of the object does determine the length of the process. Making a little part might take 5 hours. The White’s feedwater heater required 33 hours.”

Leno has found that the 3D printer works more reliably than working with an error-prone machinist. The machinist could make the part incorrectly, although you’d still have to part for the work. The scanner allows you to make an exact copy in plastic, see if it is correct, then send it to the machinist to make a copy in the right material. It seems that 3D printing continues to help various sectors, and with this new process, car owners can benefit, too.

3D Printing is becoming more and more popular. With the increase in demand for custom fabricated parts expect to see an increase in 3D printing business in the Metro West area. This will be great for local contractors, automotive repair shops and collector car enthusiast.

Do you own a vintage or classic car? Find out how CAV Insurance can help you secure a reliable collector car insurance policy to suit your vehicle and financial needs. For coverage in Wellesley and neighbouring cities in Massachusetts, contact us today.

19 Jul 2018
Summer Grilling Safety Tips

Grilling Safety Tips: Stay Safe at Home This Summer

Summer Grilling Safety Tips 

Now that summer is in full swing, many of us are enjoying being outdoors that much more. While the warm weather creates a great opportunity to light up the grill and barbecue outdoors, doing so comes with unique risks. In the midst of summer fun, it could be easy to overlook basic grill safety. In fact, according to the National Fire Protection Association, the peak month for grill fires is July, with June and August close behind. As we roll into summer barbecue season, make sure you are following these top grilling safety tips to keep your cookout free from unexpected flare-ups!

Propane Grill:

  • Always check the propane tank hose for holes, cracks or leaks before use.
  • If you smell gas or suspect a leak while in use, turn off the grill immediately.
  • Any grill suspected of leaking should be serviced by a professional before future use.
  • If a leak does not stop, get away from the grill immediately and call 911.

Charcoal Grill:

  • Only use starter fluid designed for charcoal use. Never use gasoline or non-approved flammable liquids.
  • Do not apply starter fluid to charcoal that has already been ignited.
  • When finished grilling, let the coals cool completely before disposing of the ashes.
  • Coals and ashes should be disposed of in a metal container.

Basic Safety Tips:

  • Keep children and pets away from the grill when it’s in use. Remember that the grill and its parts retain heat long after the food has been served, so be sure the grilling area stays off limits until everything has completely cooled down.
  • Position the grill carefully. Locate the grill on level ground and away from walls, fencing, and deck materials. Make sure the grill is not underneath any tree branches, eaves, or ceilings.
  • Watch your clothing. Keep sleeves, shirttails, and aprons away from the fire.
  • Keep a fire extinguisher handy. If you don’t have a fire extinguisher, keep a garden hose or sand bucket within reach.
  • Never leave a grill unattended. Once you’ve started the fire, don’t walk away without assigning someone else to watch the grill.
  • Only use utensils that are intended for grilling. Utensils for handling food on the grill should be heavy duty and have long handles.
  • Let the coals cool before discarding. Even if you think the coals are out, it’s best to use a metal container for disposal.

Homeowners insurance is designed to protect your home and belongings from fires and accidents. For the quality coverage you need in Wellesley and beyond in MA, contact the industry professionals at CAV Insurance. We are here to protect your family, finances, and assets.

02 Jul 2018
Boat Safety

4th of July Boating Safety Tips

Keep Safe on the Waters This Independence Day

Wednesday is the fourth of July and there’s no better time to take the boat out on the water than Independence Day. Summer is in full swing so the weather is beautiful, so now is a good time to take advantage of your day off. However, everyone else has the same idea as you. Many more boaters take to the water on Independence Day, and along with Memorial Day and Labor Day, these holidays account for more than one-third of all boating related accidents and fatalities. Whether you choose to take your boat out off the coast of cape cod or up to the lakes in New Hampshire aim to keep safe by adhering to these boating safety tips.

  • Wear a lifejacket

It’s tempting to take off your lifejacket when the weather is bright and hot, but it’s best to leave it on for your own safety. Accidents happen quickly, and often there isn’t time to think about putting a lifejacket on when an accident happens. Ensure that everyone on the boat has a lifejacket and wears it at all times.

  • Maintain the vessel

Before heading out on the waters, ensure your boat is up for the task. More often than not, 4th of July is the only time people venture out on the water after dark. Make sure your vehicle is in good condition and your navigation lights work so you can be better seen.

  • Be prepared for emergencies

Take time to familiarize yourself with safety equipment, emergency procedures, and know how to contact authorities, should something go wrong. If you boat up in an area that requires flares, make sure they are up to date. Never use a flare as a form of a firework – this could be dangerous and constitutes as a fake distress call.

  • Don’t mix boating and alcohol

You wouldn’t crack open a beer while you’re behind the wheel of your car, would you? For the same reason, you shouldn’t drink and drive the boat. Along with decreasing the operator’s ability to make good judgments, the consumption of alcohol also negatively affects the ability of passengers to respond in the case of an emergency on the water. Intoxicated boaters put themselves and others’ lives in dangers, and could face federal and state charges.

  • Stay aware

The fourth of July is one of the most popular holidays in the year for boating, meaning that there are many more boats out on the water than your typical day. It’s imperative that the operator and those on board stay aware of other boats around. While you can’t control what other boats do, you can protect yourself and your boat by being cautious and defensive.

There’s no better way to cap off Independence Day than by going out on the water with friends and family. But with the increased amount of boats on the water, it’s important you take safety precautions. These safety tips will ensure you and your family enjoy your fourth of July and return safely at the end of the day.

At CAV Insurance Agency, we understand the specialized insurance needs of Massachusetts boaters, and we are here to give you the peace of mind so you can enjoy smooth sailing! Contact us today and let us put our decades of boat insurance expertise to work for you!

28 Jun 2018
Why Do I Need MA Renters Insurance?

Why Do I Need MA Renters Insurance?

Who Needs Renters Insurance? 

Whether you rent a student apartment outside of Wellesley College or enjoy the luxury homes in Hastings Village, most renters see insurance as something only needed by homeowners. However, home insurance policies do not typically protect renters and their property. For this reason, renters should consider renters insurance. Fires, theft, and other disasters may cause renters significant loss, whether it is their belongings of use of the rented space. If you are a renter, check out why you should get renters insurance in Wellesley, MA.

What Renters Insurance Covers

MA renters insurance is designed to cover your personal belongings plus additional items such as reimbursement for living expenses when you are displaced from your home after a disaster. Most perils include fire, hail, windstorms, theft, and more. It is important to note that renters may need to secure extra coverage for flood and earthquakes since these two disasters are often excluded from coverage. It is important to know the specifics of your policy. Renters insurance can include liability coverage, too, should a guest get injured on your property.

Renters Insurance Rates

Believe it or not but renters insurance is more affordable than you may realize. Discounts are often available if you combine renters insurance with your auto insurance policy. By bundling your policies, not only do you save money, but you get to organize your coverages under one insurer. This makes renewing your policies a snap!

Should something catastrophic happen to your home, such as a fire, the financial burden could be tremendous. Not only would you need to find a new place to live quickly, but you would need to rebuild your life and all of the belongings that were lost. Even if you believe that you don’t have items of value, your belongings and property will add up to a fair price. You don’t want to go without protection. Renters insurance can make a huge difference to your financial wellbeing.

For the protection your rental property needs, secure reliable renters insurance in Wellesley, MA. Contact CAV Insurance Agency for your quality coverage today.