Category: Homeowners Insurance

10 Sep 2020
a home's generatpr

What You Should Know About Selecting and Installing a Home Generator

If your home didn’t have all the electrical systems working, it wouldn’t be the same. Imagine if there was no heating, no lights, no internet connection, or TV. You couldn’t charge your laptop and your digital surveillance system has gone offline. Your home’s sump pump wouldn’t be able to work, so your property is vulnerable to flooding, too. To avoid this situation, many homeowners get a home generator that can help when the power goes out.


As well as securing homeowners insurance in Wellesley, MA, you should consider a home generator that can help when the unexpected happens. Be aware of these factors for selecting a home generator.


What should I look for in a home generator?


Before you buy a generator, you will need to work out what you need.

  • Wattage – Determine how much power is needed to run everything you want.
  • Equipment – If you want to run sensitive equipment such as computers or TVs straight from the generator, then look out for inverter generators for sensitive electronics.
  • Fuel – Do you want a generator that is powered by petrol or diesel? Generally, diesel generators tend to cost more than petrol ones, however, diesel models will give you a considerable saving on fuel. If you’re not looking to power lots of appliances, then you may be better offer with a petrol model.


Automatic or portable?


Generally, an automatic generator provides numerous advantages over a portable generator. Firstly, they are safer. Portable generators have a high risk of leaking carbon monoxide, whereas automatic models do not. Also, automatic generators start and stop automatically, giving you total peace of mind. Within seconds of a power failure, the permanently installed generator will kick into action, and supply power to your home. Once power is restored, the generator will turn off.


Do I need a permit?


Generally, you will need a permit and may need to let your electricity supplier know that you have installed a generator. If you have a professional install the system for you, he or she may obtain the necessary permits on your behalf, but be sure to confirm this with them.

With a generator, you don’t have to be without electricity when there are storms and planned power outages.

At CAV Insurance in Wellesley, MA, we work with companies like Chubb who offer a broad range of protection to help keep your home and family safe with reliable homeowners insuranceContact us on 781-237-4107 to get started.

13 Aug 2020
prevent damaged hail

Hail 101: Who’s at Risk and Preventing Damage

It’s not unusual for short-lived but violent storms to break out within moments. Quite often, parts of Massachusetts experience hailstorms throughout fall and beyond. With great intensity, these ice pellets plummet from the sky and can cause damage to homes, gardens, and vehicles. While it’s not in human power to command the weather or prevent pounding hailstones from damaging your property, you can at least take adequate precautionary measures to minimize the harm.


Hail Risk and Preventing Damage


Who is at risk?

Unfortunately, you can’t escape the elements. Every home and business is susceptible to hail damage, which is why it is important for everyone to be proactive with damage prevention plans.


How can hail damage be prevented?

  • Inspect and maintain your roof – Inspect your roof regularly and take immediate measures if you notice a problem. Replace broken and damaged shingles without delay. If there are leaks in the roof, correct them now. Ensure the overall condition of the roof is good and that the chimney can be closed if necessary.
  • Maintain the trees – Eliminate the risk of trees or branches falling on your home during a storm by pruning trees and shrubs back. Get rid of diseased and dead branches that could easily snap off in a storm.
  • Keep gutters and drainpipes clear – Make sure water can drain away from the house quickly by clearing the gutters and drainpipes of dirt and debris.
  • Create a disaster preparedness plan When the hail arrives, your family members should know how to handle it. Create a plan that you will all stick to. Identify the safest places in the home and the shortest escape routes. Always stay under cover during a hailstorm. Discuss with your household members where you’ll seek shelter if you are caught outside during a storm.
  • Prepare an emergency kit – Hailstorms have been severe enough to bring down power lines, leaving homes without electricity for days. When this happens, you’ll be thankful you prepared an emergency kit full of non-perishable food, water, blankets, a first aid kit, a flashlight with extra batteries, a portable radio, basic tools, and any prescription medicines.
  • Cover vehicles – Protect your cars, boats, and RVs by putting them into a garage before a hailstorm arrives. Hail could damage the paint and high winds could pick up objects and blow them into your vehicles.
  • Close windows and doors tightly – This will prevent rainwater and flying debris from getting into your home and causing damage inside or hurting someone. Close the blinds and curtains – if hailstones break the windows, you will have some protection from the shattered glass.


We hope that these tips help you to protect your property from hail. In any case, having the right homeowners insurance can help if the worst happens. When you’re ready to secure the right home protection, contact the team at CAV Insurance, serving Wellesley, Weston, and neighboring cities in Massachusetts.

17 Oct 2019

How to Inventory Your Belongings for Insurance Purposes

Record Your Home Belongings for Your Insurance Policy


Keeping track of your home belongings may seem like an overwhelming task but it’s much better to be safe than sorry. The whole reason you have homeowners insurance in Wellesley, MA is to protect your belongings and property from damage and loss. If the worst does happen, you can turn to your home insurance to help pick up the pieces. It’s far wiser to safeguard your assets now before something happens. Having a home inventory list on hand makes the filing process much quicker and easier – helping you to get back on your feet that much quicker. To help you compile a home inventory without it appearing as a daunting task, we’ve broken it down into quick and easy steps.


  • Use an App

Get tech-savvy when documenting your belongings. The app Sortly allows you to easily create, manage, and update a home inventory. You can look up items by location or product information, scan product barcodes, and know the exact contents in your house or storage unit. A home inventory has never been so easy!


  • Document Your Belongings

Take pictures and/or videos of each item. Having a visual record helps to evidence for your list and can be useful for the insurance company when assessing the value of claimed items.


  • Update Regularly

Taken a box of belongings to the charity store? Bought a new top-of-the-line electrical device or an appliance? Be sure to update your inventory regularly, remembering to remove or add items. Part of what makes a home inventory so important is how relevant and recent it is.


  • Assess Coverage

While a standard home insurance policy will protect belongings, it’s best to check whether you have enough coverage. Homeowners often underestimate the value of their belongings and a standard policy may not cover the cost of replacing these items. If you have items of high value, such as jewelry, artwork, and expensive technology products, you may need to have then scheduled on your policy to ensure these items have coverage.


  • Store it Safely

It’s a good idea to keep several copies of your home inventory just in case something happens to the original. Keep both a paper and electronic copy handy, making sure to email yourself a copy of the inventory. This helps you to access it quickly when you need it the most.


We hope that these tips helped you to prepare a home inventory. With some preparation, your belongings are more likely to be covered by your homeowners insurance in case of a loss. When you’re ready to secure the right home protection, contact the team at CAV Insurance, serving Wellesley, Weston, and neighbouring cities in Massachusetts.

12 Sep 2019
palm trees in a hurricane

7 Steps to Help You Prepare for Hurricane Season

Hurricane Season Preparedness

Hurricane season is upon us and these tropical cyclones destroy everything their path. New England is no stranger these threatening storms, and it’s important to be prepared for the unpredictable damage that may end up impacting your community.

Hurricanes result in powerful winds, heavy rainfall as well as coastal and inland flooding. These can be troublesome towards the well-being of your family and your home. To combat this, we are going to give you some safety tips, from packing a bag to reviewing your insurance in Wellesley, MA, to help prepare you for these unpredictable superstorms.

  • Make sure you are up to date on the storm’s progress. Keep a radio on hand to be notified if things are taking a turn for the worse or the better
  • Check the batteries of the emergency equipment in your home. Having items such as flashlights, radios, and generators are essential assets to have during this dangerous situation
  • Learn the location of local shelters, or safe routes inland if you live near the coast
  • Stock up on canned food, water, medications, and first aid supplies beforehand
  • Bring loose lightweight objects such as garden tools, garbage cans, and lawn furniture inside
  • If necessary, cover windows and door openings with shutters or another shielding
  • Review your insurance coverage to ensure you have optimum limits

Being prepared is essential for hurricane safety, and these tips can help keep your family, and your property unharmed. At CAV insurance we provide flood insurance to combat these unpredictable forces of nature. We help protect your home’s specific needs with a policy that will be there when you need it most. Give us a call today to learn more!

25 Jul 2019

How Much Excess Liability Do You Need?

Determining How Much Umbrella Insurance You Should Have

Accidents happen. Although it’s never pleasant to face a disaster, you may have your insurance policies there to pick up the pieces. But what happens when the damage exceeds your insurance coverage? You could be left paying the rest, which can take a serious toll on your finances. Here is where an umbrella policy, also known as excess personal liability insurance, comes in handy.

An umbrella policy is designed to sit on top of your auto, homeowners, and watercraft liability coverage. If you injure someone in an auto accident or someone gets injured while on your property, your home or auto insurer will help to pay for damages up to the liability limits in your policy. If the damages exceed these limits, the injured party can then sue you for the difference. Fortunately, an umbrella policy can help to protect you and your assets in the event of a liability claim.

How much coverage do I need?

As a general rule, the more assets you have acquired, the higher your risk for litigious encounters. Individuals should seek additional coverage to protect their assets and financial security. Umbrella insurance is typically sold in increments of $1 million and can cost as little as $180 a year for the first $1 million of coverage. However, what you actually pay will depend on a variety of risk factors.

A range of factors will be taken into account when acquiring umbrella insurance. There are some risk factors that call for more insurance than others, such as having teenage drivers, domestic employees, owning watercraft or an ATV, having a backyard pool, serving on the board of a non-profit organization, or being active on social media networks. If you fall into several of these categories, your liability risk is higher than average. In turn, you may need to opt for more umbrella insurance to protect your assets.

Finding the right umbrella insurance protection doesn’t have to be challenging. Talk to the reliable team at CAV Insurance to get started on your policies! Our experts are well-versed in finding the right coverage for unique situations. Contact us on 781-237-4107 to get started.

28 Mar 2019

How to Prepare Your Home for the Spring Market

Easy Ways to Prep Your Home for Spring Selling


Decluttering now during the quieter winter months will allow your home to be 100% ready for the spring market. Staging can be accomplished by rearranging your own possessions or complimenting them with items from our very own staging consultant. The National Association of Realtors has extensive research showing that staging reduces market time and puts more money in your pocket. The proof is in the numbers – According to the Real Estate Staging Association, homes which are staged before going on the market sell 73% faster, on average, then their non-staged counterparts.


Many homeowners are familiar with the concept of home staging, thanks to reality television. Home staging is the art of preparing a home for sale. Via home staging, you aim to improve the flow of your home, eliminate clutter, and make your home appear bigger and brighter. A professional home stager is an expert in the art of preparing homes for sale. Since most buyers now begin their home searches online, having your home professional staged appropriately can be crucial toward that first step of attracting an interested buyer. A non-staged home can present worse in photographs as compared to a staged one. Staged homes are often more likely to get a walk-through.


Do you have any questions about staging a house? Please contact our guest blog post author & Local Real Estate expert Gary Kaufman of  The Kaufman Realty Team | 617-721-0785 | Website:


21 Mar 2019

Winter Thaw is Starting: Is Your Sump Pump Ready?

Getting Your Sump Pump Ready for Spring


After a long, cold winter, it’s a welcome sign when the days get longer and the temperatures begin to climb. But the spring thaw can also bring spring flooding to your basement if your sump pump is not operating properly. When was the last time you checked your sump pump to make sure it is in working order? Now is also the time to check your homeowners insurance since some policies may not cover water in the basement.


What to Check

  • Is the sump pump plugged in?
  • Is the power cord in good condition?
  • Is the drain hose connected properly?
  • Is it free from debris?
  • If it has a backup battery is it charged?


Sump Pump Maintenance Tips

  • Check to make sure debris isn’t clogging the pump area. Even larger objects can find their way into your sump pump, so be sure to check the vent holes, valves, and all other areas of your sump pump for unwanted substances.
  • Test your sump pump. If it’s been some time since you last used your sump pump, check that it is working properly. You can do this by pouring water into the sump pit. If it doesn’t start working instantly, you may have a problem that you need to fix.
  • Make sure the battery is charged. Even though your sump pump likely has a back-up battery in case of an emergency, it’s important to make sure it’s always working.


If your sump pump does not seem to be working correctly, contact a professional for assistance.


A sump pump that has been properly maintained will provide service for up to 10 years. If you don’t know the age of your sump pump, it’s a good idea to consider a replacement and keep a backup on hand in case your sump pump fails.


Sump Pump Coverage

Consider obtaining optional coverage for water backup or sump discharge or overflow since most homeowners insurance policies do not cover this damage. A sump pump endorsement can be purchased at a low cost and will provide coverage for damage caused by backed-up water. This includes coverage for items that water damaged, as well as the cost of cleaning up the water in your home, as long as the loss was not caused by the homeowner’s negligence.


Are you looking for reliable homeowners insurance coverage? Your local agents in Wellesley are ready to find the right coverage to suit your needs, home, and budget. We serve homeowners in Dover, Needham, Brookline and surrounding cities in Massachusetts. Contact us to get started!

21 Feb 2019
What to Do If Your Identity is Stolen

Identity Theft: What to Do If It Happens to You

Steps to Take Immediately If You’ve Been a Victim of Identity Theft

Thieves are opportunistic. Especially when it comes to identity theft. They tend to exploit simple vulnerabilities in individuals’ information, and security practices, and gaining small and simple data helps them to steal more. In many cases, signs of identity fraud can take weeks or months to reveal themselves.

This fraud is when someone commits a crime or fraud in your name using your stolen personal information. Identity theft is the fastest growing white-collar crime across the nation, impacting everyone from Wellesley to LA. More reliance on digital technology and smarter hackers means that no one is immune to identity fraud.

If you are a victim of identity fraud, it’s important to act quickly to resolve the issue. Here are some steps that you should take immediately:

  • Flag your credit reports. Contact the fraud department of one of the three major credit reporting agencies: Experian, Equifax, and TransUnion. Inform them that you have fallen victim to identity fraud. Ask them to place a “fraud” alert in your file and confirm that they will contact the other two companies on your behalf.
  • Get copies. It’s a good idea to ask for a copy of the credit report. If your report is inaccurate because of fraud, then they are required to give you a free copy.
  • Consider a credit freeze. You may want to place a credit freeze on your credit file, which means that the potential creditors cannot get your credit report. Doing this makes it less likely that a potential identity thief can open accounts in your name. To do so, contact the Massachusetts Attorney General’s office, and then contact each credit reporting company.
  • Call creditors. Call each of the creditors about any accounts that have been charged or opened fraudulently. Keep in mind that the credit fraud may have been going on for some time without you realizing, so look into previous transactions as well as current ones.
  • File a report. File a report with your local police. Make sure to acquire a copy of the police report so that you can have proof of the crime.
  • Keep records. Keep detailed records of your conversations and all correspondences in case there are any discrepancies.
  • Change account PINs and passwords. Changing your password and PIN should occur every few months to keep risks at bay, but this is especially important to do after identity theft.

To help protect your finances or business from a disaster, contact the professionals at CAV Insurance today.

17 Jan 2019
How to Leave Your Home Safe for Your Winter Vacation

How to Leave Your Home Safe for Your Winter Vacation

Winterize Your Home Before Leaving for Vacation

Are you lucky enough to be escaping the winter weather on a sun holiday or hitting the slopes for some downhill fun? During this time of year, skiing in New Hampshire and Vermont is ideal, and many individuals, couples, and families take advantage of the fresh snow in the New Year. If you’re grabbing your skis for a weekend of fun, you will want to be sure you leave your home safe and protected. Your home is more vulnerable to vandalism, burglaries, storms, and freezing temperatures in January. Luckily, with these tips and reliable home insurance in Wellesley, MA, there are numerous steps you can take to minimize the risk.

  • Unplug all unnecessary electrical devices. Walk through your home and unplug toasters, computers, TVs, chargers, and clocks that will draw power and create that small risk of fire. Leave essential appliances on, such as the refrigerator, and lights on a timer.
  • Turn down the heat. When no one is in the house, a setting of around 55 degrees is adequate to keep the pipes from freezing and then bursting. If you have pets or houseplants, you may want to raise the temperature accordingly.
  • Turn off the main water supply. To ease your mind while you’re away, it’s a good idea to turn off your home’s water supply and open all faucets and drain them.
  • Ask a trusted friend or neighbor to check in on the property. Ask someone you trust to visit the property often. He/she can bring in the post, water the plants, feed the pets, and ensure all is well with the house. Make sure that your friend has your contact information and basic knowledge of the house.
  • Don’t give burglars a chance. Burglaries raise in winter, as many take the opportunity to break into a home when they know the homeowners are on vacation. Before you leave, ensure all windows and doors are sealed and locked. Never leave keys outside the property, such as under a plant pot.

Finally, relax and enjoy your trip! If the worst does happen, and despite your best efforts, an incident occurs, be sure that you can fall back on reliable homeowners insurance. Your local agents in Wellesley are ready to find the right coverage to suit your needs, home, and budget. We serve homeowners in Dover, Needham, Brookline and surrounding cities in Massachusetts. Contact us to get started!

11 Oct 2018
Great Ways to Prevent Your Pipes From Freezing

Great Ways to Prevent Your Pipes From Freezing

Tips to Prevent Frozen Pipes This Winter

The days are beginning to cool down in Boston now that fall has arrived. When the cooler temperatures arrive, unfortunately, so do frozen pipes. When the frozen water in the pipe expands, it can tear the pipe, leading to floods and water damage when ice melts. We all know how the temperatures can plummet quickly in Wellesley, so be sure to act now. Sparing a few minutes to protect your pipes from freezing can help to reduce the likelihood of them freezing and ward off water damage. Along with these frozen pipe prevention tips and quality homeowners insurance in Wellesley, MA, you can feel rest assured your home can remain safe throughout the fall and winter.

Let a Faucet Drip

Turn on a couple of faucets just enough so that they drip. Ideally, choose a faucet that has a pipe running along an outside wall and a faucet that is far away from your main water valve. This helps to alleviate pressure and keeps the pipes working, preventing the water from freezing.

Leave Cupboard Doors Open

If you have faucets with pipes running through cupboards and cabinets (think of the kitchen sink), leave the doors open so that the warm air can circulate around the pipes. The doors to the rooms should, ideally, stay open too so that the heat can flow through the house and prevent pipes from getting too cold.

Seal Up Cracks and Gaps

Examine your windows and doors. Are there any cracks around the seals? Can you feel any drafts even they are closed? Seal up cracks with caulk and weather-proofing, taking extra care to do this to gaps near exposed pipes. Not only does this help to keep pipes warm, but it can save money on your heating bill!

Insulate Exterior Pipes

For pipes outside or in exposed places such as attics and basements, consider insulating them. Insulation can be wrapped around the pipe, protecting them from the dropping temperatures. When the weather gets very cold, it is wise to apply heating tape to these pipes to keep them warm.

Leave Your Thermostat On

You may be tempted to turn down your thermostat overnight or when you head out of town for the weekend. However, doing so can mean your pipes are more susceptible to freezing. Keep your thermostat on low, even when you aren’t in the house to avoid pipes freezing and bursting. There is one caveat to this – if you’re going away for a significant period of time, it is wise to shut off the water supply, particularly when cold weather is coming.

If the worst does happen, and despite your best efforts, a pipe freezes and then bursts, be sure that you can fall back on reliable homeowners insurance. Your local agents in Wellesley are ready to find the right coverage to suit your needs, home, and budget. We serve homeowners in Dover, Needham, Brookline and surrounding cities in Massachusetts. Contact us to get started!

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