Category: Archives

14 Dec 2017
auto insurance in Wellesley Hills, MA

How to Prep Your Vehicle for Winter

Is your vehicle ready for winter roads?

Winter is full of excitement and festivities, from picking out the perfect tree to hosting family gatherings. What isn’t so great about the season is the cold, rain, and ice that can wreak havoc on your vehicle. Regardless of the season, it’s important to keep your car in road-ready condition. In winter, it’s absolutely essential.

The good news is that there are a number of things that you can do to ensure your vehicle is ready for unpredictable winter conditions.

Replace worn tires

Your tires are the only point of contact your vehicle has with the road, allowing movement and traction. It’s important that your tires maintain good traction and tread throughout the season. Replacing worn tires can give your vehicle a better chance of sticking to the road in slippery and wet conditions.

Check your windshield wipers

When it drizzles, do your wipes smear the droplets across the windshield? Worse still, do they rarely work? Now is the time to ensure that your wipers are in good condition. They are one of the few things that can improve your visibility when driving, so get them checked out (and replaced, if necessary) before the rain comes in.

Top up your antifreeze

Remember to top up your car with antifreeze, which prevents the liquid in your radiator from freezing when the temperature dips below zero. Trust us, you don’t want to forget this step – otherwise, you may get stuck in the cold with a dead engine.

Test the engine

Make sure that your battery is up for the cold weather challenge by making sure the terminals are clean and tightened. Keep in mind that you should replace the battery every three to four years. If you don’t suspect your battery will survive the season, have a trained technician check it out.

Book your car in for a service

The best way to get your vehicle ready for the winter is to hand it off to the pros. Your local mechanic can top up the fluids, change the oil, inspect the brakes, tires, and battery, and advise on necessary repairs before facing adverse winter weather.

Seasonal breakdowns and costly repairs can put a damper on the season of good cheer. Take the time now to ensure your vehicle is in tip-top condition and consider adding breakdown recovery onto your insurance policy. Visit the team at CAV Insurance to get started on securing reliable auto insurance in Wellesley Hills, MA.

07 Dec 2017
insurance in Wellesley Hills, MA

4 Cyber Security Tips for Holiday Shopping Online

Keep safe while shopping online for your holiday gifts.

The holidays are just a couple of weeks away and you’re probably busy shopping online to get gifts for everyone on your list. You may do you a bit of shopping in local brick-and-mortar stores, but shopping online can be a great way to compare prices and get your entire list of gifts in one go. The online world can be a scary place at the best of time, but when fraudsters know people are looking for a bargain, they’re more likely to be on the prowl for unsuspecting victims.

To stay safe while shopping for your gifts online, remember these tips.

Ensure the websites you visit are secure.

Before you even start shopping on a website, make sure that the site itself is secure. There’s an easy way to check this in web browsers: the URL should start https://. The ‘s’ stands for ‘secure.’ There should also be a green padlock next to the website address.

Use secure passwords.

More websites that sell you things require you create an account when you make your first purchase. This will include creating a username and password. Instead of using the same password for all of your retail shopping, choose a different and strong password. The best way to keep your password secure is to mix up letters and numbers – meaning that you shouldn’t use a whole word, such as ‘Password123’ or ‘Fluffy001’. Most importantly, use different passwords for each site.

Avoid shopping on public Wi-Fi.

While it may save you time shopping online when you’re in an airport, coffee shop, or library, it’s generally best to avoid doing so while on public Wi-Fi. The network is usually unsecure, meaning that anyone could access your bank details while you’re on the public Internet connection.

Never buy from websites you’ve never heard of.

If you’ve found a good website that has cheap finds for brand names, always ensure the retailer is reputable. Ask friends and family if they’ve used the site before and the deals are too good to be true, it could be a scam. Research the name of the website and where they ship from as this will generally give you a good indication if they are selling fakes and have scammed other customers before.

Enjoy your holiday season, but use these tips to stay safe online! To help protect your finances from a disaster or accident, insurance can help. For all of your insurance needs in Wellesley Hills, MA, contact the professionals at CAV Insurance today. Oh, and Happy Holidays!

30 Nov 2017
How to Protect Your Home from Carbon Monoxide

How to Protect Your Home from Carbon Monoxide

As the winter approaches, now is the time to check your home for carbon monoxide.

With the cold fall and winter months fast approaching, it means more time spent indoors. While inside your home may seem safer than spending time out in the cold, there are many hidden dangers that lurk inside your home.

Carbon monoxide is a tasteless, odorless, and colorless gas that can lead to illness and even death. Since the symptoms of carbon monoxide poisoning resemble the symptoms of other illnesses, many people don’t realize they have carbon monoxide poisoning until some damage has been done.

Keep these simple safety tips in mind to help protect you and your family from carbon monoxide while more time is spent in the house this winter.

  • Keep all of your vents clear. Take a look at the outside of your home and make sure that there is nothing obstructing any vents for your stove, dryer, or furnace. Also, make sure that snow does not build up around these vents throughout the winter.
  • Do not idle your car. Even if the garage door is open, do not idle your car in an enclosed space. If you want to warm up your car, take it out of the garage and let it run.
  • Hire a professional. Professionals will be able to perform regular maintenance on all of your appliances, which will help to ensure that they are working properly and not creating any extra carbon monoxide.
  • Install alarms. Install carbon monoxide alarms throughout your home, making sure that there are alarms on each level of your home and outside of each bedroom. Regularly check your alarms to make sure that they are working properly, and replace any broken our outdated alarms.

One of the most important parts of providing protection from carbon monoxide is to make sure that you have the right homeowners insurance policy. Fortunately, it takes a simple phone call to secure the right coverage for your home and needs, all at the right price. Talk to the professional team at CAV Insurance to determine your homeowners insurance policy in Wellesley Hills and neighboring cities in Massachusetts.

16 Nov 2017
How to Prepare for a Power Outage

How to Prepare for a Power Outage

Learn how to prepare for a power cut so that you are ready for an unexpected blackout.

 

Shockingly, 6 out of 10 American households don’t have a family emergency plan. Even though power outages don’t typically last for more than a couple minutes thanks to trusty engineers, it’s good to know how to handle a long blackout with winter almost here. Electricity can be out for several hours from severe storms. Instead of rushing around in the dark when the lights go out, ensure that your home and yourself are ready and know how to handle it.

 

Have plenty of food.

  • Keep a 3- to 5-day supply of drinking water in jugs or bottles. Plan on at least 1 gallon of water per person, per day, as well as enough for your pets.
  • Store a manual can opener with non-perishable foods for 3 to 5 days. Aim for canned chickpeas, beans, and peanut butter. Don’t forget pet foods!
  • Have a camp stove or grill for outdoor cooking.

 

Stay in touch.

  • Have a portable, battery-powered radio and alarm clock.
  • Have a non-portable phone that will work even if power is interrupted.
  • Plan where to meet family members and how to communicate if separated.
  • Keep essential family member contact information near your phone and in your wallet.
  • Get your pets microchipped so that you can be reunited if separated.

 

Keep a kit.

  • Build an emergency kit well in advance of a storm (if you can.)
  • Gather plenty of flashlights with extra batteries.
  • Store a first aid kit that is close to reach.

 

Protect your appliances

  • Turn off all large appliances if the power goes out.
  • When the power comes back on, give the electric system a chance to stabilize by gradually using the appliances you turned off. Use only the essential first and then wait 15 minutes before turning on the others.

 

To protect your home throughout all sorts of disasters that are out of your control, visit the team at CAV Insurance. Our homeowners insurance policies work to protect residents in Wellesley Hills and neighboring cities in Massachusetts. Contact us today for more information.

09 Nov 2017
Closing Your Summer Home for the Seaso

Tips for Closing Your Summer Home for the Season

Don’t miss these important tasks as you prepare your summer home for the cooler season.  

 

Saying goodbye to a seasonal property is an annual ritual for the countless Americans who own summer homes. Falling temperatures can wreak havoc on a home, from plumbing to the roof to the appliances. Since you leave your summer home for a significant portion of the year, it’s well worth doing some preventative maintenance and routine check-ups to ensure that all will be safe and sound over winter. Doing so also helps when springtime rolls around and you want to get back into the vacation home as soon as possible – without fixing any damage that happened over winter!

 

To ensure that your vacation property is safely tucked away for the winter, don’t forget these tasks.

 

Interior:

  • Inspect the property for damage, and make any necessary repairs.
  • Clean the home thoroughly to help discourage pests.
  • Turn off the water and then drain the pipes. You can check that the water is off by turning on a tap and making sure the water runs outs.
  • Empty, clean, and unplug appliances. Don’t forget your fridge, oven, washer, and dryer.
  • Turn off and drain your hot water heater.
  • Lock all windows and doors.
  • Forward your mail.
  • Take (or update!) your home inventory.

 

Exterior

  • Clean out the gutters, removing debris and unblocking the downspouts.
  • Put away outdoor furniture, grills, and other accessories.
  • Lock the garage and storage shed.

 

Before you leave your summer home, take a moment to review your homeowners insurance. You’ll want to ensure that your coverage is suitable for needs while you are away from the property. Fortunately, it takes a simple phone call to secure the right coverage. Talk to the professional team at CAV Insurance to determine your homeowners insurance policy in Wellesley Hills and neighboring cities in Massachusetts.

02 Nov 2017
Drones Assist with Catastrophic Claims

Drones Start Assisting with Catastrophic Claims

Drones finally team up with insurance companies to assist in property inspection and claims analysis.

A drone combined with analytics offers insurers a way to not only inspect and investigate claims but to process them, too. Several drone companies have noted that drones can film and record a high volume of data for each property. By flying drones over the property, the insurer is able to survey and inspect the damage of the property, rather than spending a great deal of time inspecting it manually.

The typical reason why the insurer would use a drone is when the home’s roof has sustained hail or wind damage. Rather than sending out a company or an independent adjuster to climb the roof, inspect the damage, and prepare a diagram, a drone is used to capture images and data. The reduction in such a manual and time-consuming process of visual analysis and inspection is a real value to the insurer – as well as the homeowner whose claim gets settled quickly and efficiently.

Drones have also proven extremely useful in assessing Tropical Storm Harvey’s damage. Allstate, a large property insurer in Texas, sent out commercial drones in inspect damage in areas. The homeowner who needs to file a claim can receive a drone inspection, and only a few minutes later, that data can be scanned and ready to process by the insurer.

In addition to surveying damage, drones can capture images from a location which are automatically categorized and identified, and then an analysis and algorithm are run on them. From this, the house dimensions, roof pitch numbers, damage assessment, and shingle count cost estimation is calculated. These numbers will then be confirmed with the adjuster, relaying it back to the homeowner.

In essence, drones can speed up the claims process, allowing the homeowner to get back on their feet as soon as possible! Are you ready to receive reliable protection from wildfires for your home in Wellesley Hills, MA? Contact the team at CAV Insurance who know how to suit you to the right homeowners insurance policy and how to quickly file a claim, should you need to do so.

26 Oct 2017
Preparing Your Home for a Storm

DIY Hacks to Prepare Your Home for a Storm

Get your home ready to survive storm season.

Massachusetts is no stranger to a bit of inclement weather. What many homeowners forget is that their properties need a little bit of help to get ready for the upcoming storm season.

If you wait until storms are predicted on the weather forecast, you might be left scrambling, and many things may get overlooked. Before the hurricane is on its way, make sure you have the following in place.  

Restock the car’s emergency supply kit. Your vehicle should always have the essentials on hand, including a First Aid kit, non-perishable food, plenty of water, blankets, a hand-cranked radio, and a flashlight. While preparing for a storm, check that the snack bars are still good, refresh the water, and replace the batteries in the flashlight.

Remove hazards. Remove any items in your yard that could potentially be picked up by strong winds. Store lawn furniture, grills, and trash cans inside. While you’re at it, secure loose rain gutters and seal the roof, too.

Trim trees. Strong winds can cause trees and branches to fall, so be sure to remove damaged trees and limbs that hang over your property. Not only could weak branches become flying debris, but loose branches could fall onto your home from above.

Microchip your pets. In an emergency, you and your pets may get separated. You can reunite sooner by micro-chipping your pets!

Store your car. Park your car in a garage or on higher ground to prevent it from getting trapped in flooding. It’s also wise to avoid parking underneath trees as storms could weaken the branches enough to fall down. 

Make a plan. Everyone in the home should help to create an emergency plan so that they know what to do should a disaster occur. A meeting point and an emergency contact person should be established beforehand. You should look into alternative routes should roads be closed, and pet-friendly motels in case you need to evacuate the house.

Review insurance.
The best way to prepare for an emergency is prevention. While you can get your home ready, secure homeowners insurance! From hurricanes, windstorms, and other natural disasters, homeowners insurance is there put your mind at rest.

Visit the professionals at CAV Insurance to get started on the right home insurance policy to protect it through storm season and beyond!

19 Oct 2017
Top Tips for Trick-or-Treating Safety This Halloween

Safety Essentials for Trick-or-Treaters This Halloween

Parents, it’s time for some last-minute Halloween safety prep! 

Kids love Halloween night with the free candy, dressing up in costumes, and enjoying a night with their friends, it’s easy enough to forget about precautions. Safety measures often fall by the wayside during the midst of selecting a costume, trick-or-treating, and enjoying sweets! However, parents, while Halloween is all fun and games, you don’t want to end up with a mishap or kid catastrophe on the night.

Parents, ensure the safety of your children with these safety steps:

  • Opt for face paints: Masks can obstruct your child’s breathing, and make it hard to see oncoming traffic or backing up vehicles. Choose non-toxic face paints instead.
  • Fitting costume: Choose a bright colored costume to make your child more visible in the dark, that there is no dragging material that could cause trips, and that all props are flexible and soft!
  • Illuminate the way: Add reflective tape to their bag or costume, and insist that your child carry a flashlight during the dark night. Add caution tape around the flashlight handle so that it fits with their costume!
  • Adult advisory: Any child under 12 should be accompanied by an adult whilst trick-or-treating. If your child is over 12 years of age, establish a pre-planned walking route and a curfew.
  • Walk the talk: Remind your child of road safety like looking left, right, left again before crossing the street, walking on sidewalks at all times, and crossing busy roads as designated crosswalks only.
  • Candy police: Inspect all candy before allowing your children to eat it. If your child is particularly excited, unwrap a few sweets for them so that they don’t choke on the casing.

CAV Insurance wish your and your family a safe and happy Halloween night! For all of your personal and commercial needs in Wellesley Hills and neighboring cities in Massachusetts, contact us today.

12 Oct 2017
How to Get Involved During National Breast Cancer Awareness Month

How to Get Involved During National Breast Cancer Awareness Month

How to participate in National Breast Cancer Awareness Month.

Breast cancer is the second most common kind of cancer in women. In fact, one in eight women born today in the United States will get breast cancer at some point in her life. This terrible disease has made many suffer and continues to do so, despite the research, testing, and fundraising organizations and individuals do on a regular basis.

The good news is that most women can survive breast cancer if it’s found and treated in the early stages. A mammogram can help to do this as it detects small lumps which cannot even be felt.

The whole month of October is Breast Cancer Awareness Month, so there is no better time to get involved and spread the importance of detecting breast cancer in its early stages.

Here are just a handful of ways you can join in this month:

Donate
If you cannot donate time, consider donating money to your local breast cancer charity. Whether you make a donation in honor or memory of a loved one or fundraise in a fun way this month, remember that every dollar counts.

Be Mindful

Early detection is key in any disease, especially this one. Annual mammograms save lives, so use this day to get a mammogram or as a reminder to get one soon.

Show Support

Let the pink frenzy inspire you to find a cause to connect with. While big foundations can play a pivotal role when it comes to cancer research, consider smaller, independent organizations in which you can embrace.

Research

It’s best to know exactly what you’re up against when it comes to cancer. Research prevention tips, and how to live a healthy, balanced lifestyle. Avoid common causes of cancer, too. Recent research shows that women who consume a high intake of dairy are more susceptible to get the disease, so be sure to eliminate these products from your diet. Always consult your doctor before making any dietary adjustments.

You can do your part for October’s Awareness Month by alerting others of the tips, booking your screening, and taking care of your health. To take care of your financial future with reliable insurance policies, contact CAV Insurance, serving Wellesley Hills and neighboring cities in Massachusetts

05 Oct 2017
Threats to Your Small Business’s Bottom Line

Financial Threats to Your Small Business’s Bottom Line

Lessen the risk of your business running into financial trouble.

When you’re running a business, it’s easy to get caught up in the day-to-day duties that distract you from making sure your business is protected. As with anything in business, it’s all about balance. You must be able to balance threats with opportunities or at least take proactive measures to reduce those threats.

Threats to your company can come in many forms, from cyber risks to conceptual failures to real physical consequences. Some of the most dangerous threats are financial, seriously impacting your business’s bottom line.

As you develop your business, be sure to avoid these major financial threats.

Losing a Major Client

Every business has that one client. There’s always one (or if you’re lucky, a handful) that always come back for business with an unrestrained wallet. You know that if you were to lose that client or clients, it could spell disaster for your company in a matter of months. The easiest way to prevent such a potential disaster is to strategically build your customer base. Ensure that your business has a formally drawn-up contingency plan that enables you to cut expenses or change strategies should your revenue disappear.

Poor Cash Flow Management

Any business owner knows to keep a close eye on the cash flow. What businesses do want is to have a bottom line that shows a profit, but in order to do this, they must actively manage their incoming and outgoing cash so that their bills and employees are paid without the entire operation taking a hit. It may be possible to negotiate terms with vendors and suppliers and only pay bills on the day they’re due. Additionally, you could give limited terms to your customers, send out invoices early, and ensure follow-ups are sent out periodically. Most, if not all, cash flow problems can be corrected if caught early.

Legal Problems

It may be that a disgruntled employee has exaggerated scenarios with a lawyer. It could be an unhappy customer. It could even be copyright or patent violation. Whatever the case, there’s a very real possibility that your business will face some type of legal action at some point during the course of its development.

To prevent the possibility of your company’s bottom line suffering, be sure to put these prevention tips into place. In addition, safeguard your business, should it fall victim to such attacks with reliable business insuranceContact CAV Insurance, serving Wellesley Hills and neighboring cities in Massachusetts.