It’s practically impossible to keep track in your head of every item in your home, when it was purchased, and its cost. However, in the event of damage, you will likely be asked for this information while filing an insurance claim, and you may be too busy or stressed-out to recall it. This is where…
At Bearingstar Insurance, we know how important it is to have peace of mind when it comes to your insurance coverage. If you’ve recently noticed an increase in your home and auto insurance premiums, you’re not alone in wanting to understand why.
While Americans may be experiencing mixed emotions regarding the state of the economy today, most people can agree that inflation is on the rise. The economic conditions have prompted many to reevaluate their household budget and cut back on unnecessary living expenses to weather the storm. While some bills and recurring debts can be negotiated…
Whether a homeowner needs flood insurance isn’t always a decision that’s left up to them. For example, if you buy a property located in a high-risk flood zone or floodplain, as defined by the National Flood Insurance Program (NFIP), and you are receiving a government-backed home loan, you will be required to have flood insurance….
There is nothing more important to Bearingstar than making a positive difference in people’s lives and in the communities we serve across Massachusetts and Connecticut. One of the ways we’ve been able to make a truly significant impact, year-to-year since 2012, is via the Bearingstar Insurance Charitable Fund (BICF). Through this fund, Bearingstar provides employees…
It’s officially the holiday season! From the gifts you’re giving to the decorations you’re hanging and the travel plans you’re booking, the Bearingstar team would like to help you make sure that whatever you’ve got planned goes as smoothly and safely as possible. This is why we want to use this blog to alert you…
From minute to minute, you never know what you’re going to get from New England weather—and Mother Nature only seems to be getting more unpredictable. Just this year, homeowners have dealt with a variety of wild weather events, from record-high temperatures to extreme rain, flash flooding, hurricane warnings, and even several tornado touchdowns. With this…
There are many things a homeowner can do to make their household secure and comfortable for their loved ones, and we’re certain you’ve already taken numerous steps to ensure your home feels like a well-guarded yet cozy castle. But what if there are additional actions you can take to make your home even safer? The…
Whether you’ve been running a small business for a while or are finally ready to take the plunge and be your own boss, of course you would like peace of mind that your company and all you have and will put into it is properly protected. A businessowners policy (BOP) is typically the most cost-effective…
Getting a driver’s license is an exciting milestone moment that typically means your teen will have more freedom and independence. But, as you let your new driver head out onto the roadways by themselves or with a younger family member, you likely have some concerns about their safety—and for good reason. Even though your teen…
It can be easy to overlook the value of having a personal umbrella insurance policy, especially if you already have high-quality insurance solutions to protect important assets like your home and car. However, personal insurance policies, such as homeowners and auto, can fall short of the financial protection you or a family member might require…
Whether your little one is still in a rear-facing infant seat, has graduated to facing forward or to a booster, or has grown out of a car seat entirely, it is probably second nature to you to make sure they are safely buckled in before you hit the road together. The lifesaving value of seatbelts…
We know you’re probably doing your best to stay focused on reading this article. But we’re guessing the constant dings and alerts from your cell phone, the sound of your kids arguing in the background, or even the hunger pain growls coming from your stomach are all fighting us for your attention. We get it—this…
Every year, March is designated Women’s History Month by a presidential proclamation that calls on us to study and celebrate women’s contributions throughout American history. At Bearingstar, we greatly admire all the women trailblazers, dreamers, leaders, and achievers. One of the ways we like to participate in this month-long celebration is by featuring an outstanding…
There are so many things to look forward to when winter is almost at its end and spring is right around the corner. But even when the snow, ice, and cold of winter is in your rearview mirror, the season often leaves behind aggravating reminders of its impact, especially on our New England roadways. Wintry…
There’s no time like the start of a new year to reflect on all the important things and people in your life. As part of this process, the Bearingstar team encourages you to review the coverages in your home insurance solution to make sure you still have appropriate protection for one of your most significant…
Winter can wreak havoc on single family homes—but what about your business property? If you’re a commercial property owner, protecting your investment against winter hazards is critical. Bearingstar Insurance has collected six winter weather tips to help you winterize and protect your business this season. Inspect your generator A generator is a wise investment for…
‘Tis the season of giving, and at Bearingstar, we like to take this time to celebrate how we’re giving back. It’s been an incredible year for supporting the communities we work and live in, and we are so proud of the impact that our passionate employees and the Bearingstar Insurance Charitable Fund (BICF) have made…
The holiday season is full of reasons to celebrate—family, friends, food, and fun. But with all that holiday cheer often comes a whole lot of stress. And this year might feel particularly expensive. As inflation and supply chain issues drive up the costs of goods and services, let us take some of that stress away….
‘Tis the season to be grateful. At Bearingstar Insurance, we show our gratitude for our clients through exceptional service and dedicated support—from long before they need it to when they need it most. Here’s what our customers had to say about why they’re thankful for us this holiday season. 1. Our local agents are here…
October is #CyberSecurityMonth, we’re shining a spotlight on kids’ safety online. From bullies to strangers and password security, here are 10 ways to help protect your children when they are surfing the web. Discuss internet safety openly Talk to your kids about what they’re reading, streaming, and who they’re talking to online—and try to keep…
Fall is the perfect time to get ahead of inspecting and preparing your roof before the rough weather hits. Proper care and maintenance of your roof can extend its longevity and help protect against serious damage – and can help you avoid an insurance claim. Here are top tips for making sure your roof is…
As a classic car owner, you know your collectible is more than just a regular set of wheels. So it’s no surprise that it requires something a little different from your regular auto insurance. Here’s how classic car insurance differs from regular car insurance, what types of coverage exist, and how much it might cost…
Back to school season is here, and students across the country are moving into college dorms, returning to the roads, and getting ready for another year of fun, friends, and a lot of learning. From dorm life to off-campus apartments, cyber security to teen driving safety, here are a few tips to make sure you…
Hurricane season is here, and with it the potential to cause widespread damage to both coastal and inland areas. From storm surges to high winds, we’re here to help you weather the storm—and protect your home—with our Hurricane Preparedness FAQs. What Should I Do Before a Hurricane? The most important thing is to have an…
‘Tis the season for fun in the sun, sand, and water. But with all the fun that splashing around can bring, it’s important to remember that water has its risks. An average of nine people die from drowning every day in the United States, according to the National Safety Council. So whether you’re heading to…
Vacations, barbecues, pool days, and road trips—summer is here, and we couldn’t be happier. But with summer fun comes more than a few liabilities. From unattended homes to backyard fires, we’re sharing some of the most common summer insurance claims and our tips for how to avoid them. 1. Outdoor fires Cookouts and campfires are…
Summer is in full swing, which means RV season is here. Before you head out on your next adventure with family or friends, we’re here to help make sure you enjoy it as safely as possible. Here are our top RV safety tips to keep in mind this season. 1. Be aware of your surroundings….
Multi family home purchases are on the rise, which means so is the need for landlord insurance. According to the Insurance Information Institute, renters are statistically more likely than homeowners to cause property damage that requires a claim. So whether you’re living on the property or off, using it as a second home or as…
It’s almost that of year to get on the water, feel the sun on your skin, and build cherished memories with family and friends. Boating is some of the most fun you can have on the water, and it’s important to do everything you can to protect you and your passengers. Boat insurance may help…
The best motorcycle insurance comes with coverages that fit your specific needs. There’s no one-size-fits-all when it comes to a motorcycle policy. Here are common questions answered, and some things to consider when shopping for motorcycle insurance. What does motorcycle insurance cover? From bodily injury and property damage to theft and emergency expenses, motorcycle insurance…
If you’re a first-time home buyer, the amount of information out there can be overwhelming, and the current climate of the real estate market can be stressful! We asked local loan officers, realtors, mortgage lenders, and some of our very own insurance agents here at Bearingstar some of their tips about the home buying process…
Picture this nightmare scenario – you go down into your basement to do laundry and discover your oil tank has leaked gallons of oil into your home. Then the nightmare grows as you discover that damages, along with cleaning up your house, and ground testing is not part of your insurance coverage. Shock and anger…
Spring in New England brings nicer weather and longer days, but warmer temperatures can also mean melting snow, thawing ice, and rainstorms — all of which can potentially cause water damage to your home. How do you know if your home is protected from water damage, and does insurance cover it? Most homeowners insurance policies…
The weather will be warm again in just a few months, which means you’re probably starting to think about traveling and planning road trips — and possibly buying or leasing a new car. Before you do, you might want to think about gap insurance. Gap insurance is a relatively inexpensive auto endorsement you may want…
Happy Women’s History Month! To honor and celebrate this month, we would like to highlight the important contributions women have made in the insurance industry. According to the Insurance Information Institute, women make up the majority of the insurance workforce, comprising about 60 percent. In 2020, “there were 1.6 million women employed in the insurance…
If you’re involved in a car accident, the last thing you want to worry about is not having the right auto insurance coverage. Whether you’re in the market for new auto insurance or need your current policy reviewed, it’s important to know what mistakes to avoid. Here is our list of common mistakes to avoid…
From blizzards to heavy rainfall, we never know what to expect here in New England during the winter and even into the spring months. New Englanders know that storms and nor’easters have the ability to knock out power out for extended periods of time. Portable or permanently installed standby generators can come in handy during…
Many people are embarking on new ventures to increase their income that involve their personal vehicles. Some as drivers for restaurants, grocery or floral delivery service, or perhaps as part-time work for the winter adding a snowplow to their truck. Even if you use your vehicle for mostly personal use with occasional business use, you…
Whether you’re starting the new year with a new insurance policy, getting ready to file a claim, want to upgrade an existing policy, or are simply trying to get a better understanding of your coverage, it’s important to familiarize yourself with some common insurance terms. We at Bearingstar have done the homework for you. We…
After a long year with travel restrictions, we are sure many are ready for their next adventure. Whether you are going on a trip abroad or to a New England getaway, we understand there’s a lot of planning that goes into your vacation. Amidst the chaos of packing and creating itineraries, don’t forget it’s important…
We are incredibly proud of the impact the Bearingstar Insurance Charitable Fund (BICF) has made for the many people and communities that we serve in 2021. Over the course of the year, BICF has made charitable donations to over 60 amazing nonprofit organizations throughout Connecticut and Massachusetts. This support is achieved through the Community Gift…
Instead of flocking to crowded malls and shopping centers, many people are opting to stay in the comfort of their own home to purchase their holiday gifts. While online shopping is consistently increasing, so are the number of cybercrimes and scams. In fact, since COVID-19, the US FBI reported a 300% increase in reported cybercrimes.(1)…
It’s the most magical time of the year — and for many, that means hosting friends and family for dinners and festive parties at home. The absolute last thing anyone wants to deal with is an appliance breaking down or your furnace quitting – especially around the holidays. And unfortunately, appliances or an HVAC system…
Over the past 5 years in the United States, home fires have been the cause of 2,620 deaths and $6.9 billion in property damage, according to the NFPA. Whether it’s a small kitchen fire, electrical fire, or even a lit candle or open fireplace, there are a number of risks at home that can easily…
With the cold weather coming right around the corner, it is the perfect time to brush up on your fire safety. According to the National Fire Protection Association, more home fires occur during the winter months than any other season of the year. As New Englanders we tend to cozy up by the fireplace, light…
Buying a condo may be the start of an exciting new chapter in your life. Whether it will be your primary residence or just a vacation home, protecting it will now be one of your biggest priorities. Whether this is your first time purchasing condo insurance or feel your current policy could use a review…
Insurance policies aren’t one-size-fits-all, nor is the same policy sufficient for you throughout your life. Whenever you experience a change—marriage or divorce, new children, moving, or another significant event in your life—you need to make sure your insurance policy properly covers you. Aside from your annual renewal, there are a number of events that might…
Today, advancements in technology have made home automation available at our fingertips. From turning on lights when you’re not home to adjusting your thermostat and managing security cameras, there are a number of gadgets you can now rely on to create a more efficient and smarter home. You can even use it to monitor and…
You’ve found the perfect home, made an offer, signed off on all your paperwork, and you’re finally ready to start the next chapter of your life — but first, you have to tackle your move. No matter how long you’ve been in your current home, you may feel overwhelmed by the whole process, and we…
Construction costs are on the rise due to soaring lumber prices and the cost of other raw materials. If you already own a home, you may not think these cost increases will affect you. However, they have a direct impact on the amount of insurance you should have on your home. When construction costs increase,…
If you’ve started a side hustle to supplement your income or are diving in as an entrepreneur, you probably have enough on your plate and haven’t even thought about insurance. Whether you’re selling a product or service, and no matter how small your business is, protecting it should be a priority. While homeowner’s insurance protects…
As a homeowner, being able to pay your mortgage on time every month is important. What would happen to your loved ones if you were to die prematurely and your income suddenly disappeared? None of us know what the future will bring, but you can achieve peace of mind with a comprehensive mortgage protection insurance…
Due to the pandemic, people began renting and buying RVs for lots of reasons. Reluctant to fly, some were looking for new ways to vacation. When schools went to remote learning and more people were working from home, an internet-connected RV could be a classroom or office, wherever it roamed. Add to that the growing…
There is no doubt a car accident can be stressful. No matter who is at fault or the circumstances surrounding the incident, there will likely be aftereffects that can last for days, weeks, or even months. From car repairs to personal injuries and possibly filing an insurance claim, you may be overwhelmed and unsure of…
In the event of an emergency, does your family have the basic supplies you may need to stay safe for an extended period of time? Being prepared for a natural disaster and having enough food, water, first aid, and other essential items is crucial should you find yourself faced with the unexpected. From snowstorms to…
As the warmer weather approaches, motorcycles are beginning to get back on the roads. While riding a motorcycle is an exhilarating feeling, there are many risks associated with it. According to the National Highway Traffic Safety Administration (NHTSA), motorcycle riders continue to be overrepresented in fatal traffic crashes. In 2018, there were 4,985 motorcycle fatalities…
In the process of buying a home, many times home insurance is the last thing a homeowner secures. At Bearingstar, we’re here to help you understand why insurance should be at the forefront of your home buying process. To get started, we’ve put together a guide for first-time homebuyers to help you identify the most…
With winter now in the rearview mirror, we’re excited to finally have longer days and warmer temperatures on the horizon. Along with these added perks, there are a few hazards on the road that we must be aware of with the arrival of the spring season. From potholes to the return of wildlife, it’s important…
In 2020, life as we knew it came to an abrupt halt at the onset of the COVID-19 pandemic last March. Along with it came the need for everyone to adapt to a new normal. For many, home has become their workplace, school, and gym. When life changes – needs change as well. We’ve put…
With longer, warmer days right around the corner, spring is the perfect time to tackle some maintenance projects both inside and outside your home. After a few long months of harsh winter weather, experts suggest you inspect for damage and make any repairs needed for a seamless and problem-free transition between the seasons. From checking…
Anyone renting a residence long-term — an apartment, condo, single-family or home,— should strongly consider purchasing a renters insurance policy. It’s a common insurance myth that landlords will insure renters’ belongings or that renters insurance isn’t worth it. Truth is, landlords are only responsible to cover the building structure itself, it is entirely up to…
Car insurance rates increase for a variety of reasons. As car owner’s ourselves, we know this can be frustrating. It may seem like managing your auto premium is out of your hands. However, there are several ways you can keep insurance affordable without cutting coverage. Your local Bearingstar agent is here to review your current…
Here in New England, staying warm is key to enjoying the winter months, which means turning up the heat, lighting the fire, or setting up a space heater. In addition, this time of year can mean an increase in energy bills. As your local agent, we are here to help. By making some changes to…
While 2020 may have felt never-ending, the new year is finally here! During the pandemic, your lifestyle may have changed. Whether you moved to the suburbs, changed jobs, started remote work, retired, or added to your family, it’s important to note that these new circumstances can lead to different insurance needs. Start 2021 off right…
Ready or not, another New England winter is upon us. With colder temperatures settling in, it’s more important than ever to make sure your car is ready to endure the extreme weather conditions. The farmer’s almanac predicts winter storms could bring heavy snow and sleet to cities like Hartford and Boston. To help you stay…
In a year like no other, we are incredibly proud of the impact the Bearingstar Insurance Charitable Fund (BICF) has made for the many people and communities that we serve in 2020. Over the course of the year, BICF has made charitable donations to over 65 amazing nonprofit organizations throughout Connecticut and Massachusetts. This support…
The holiday season is an important one for small businesses every year, and it posed to take on heightened importance in 2020. The spread of COVID-19 has more and more people hunkering down and staying inside. As a result, many small businesses are struggling to survive or have had to shut down. With many small…
To help you and your family make the most of your home during the holidays and to avoid accidents, we’ve put together a simple safety list to help you avoid an insurance claim this season, and more importantly, stay healthy and protected.
While remote work has its benefits, it also comes with a few challenges. Many people are now balancing family and work-life under one roof and introducing new technologies into their homes. This may mean there are more ways to connect and store your personal and work life online, but it also leaves you exposed to…
Sure, preparing your home for fall might entail decorating pumpkins, putting up a scarecrow, or planting mums in the front yard. However, it should also signify some important household tasks that should be completed before the cold New England weather rolls in. By making maintenance part of your annual fall routine, you can identify potential…
Homeowners, renters, and condo policies include coverage for personal property such as furniture, clothing, housewares, etc., but what if someone steals your treasured family heirloom, your coin collection is destroyed in a fire or you lose your engagement ring? Items like these likely need to be schedule on your policy for them to be fully…
If you’ve been keeping up with the real estate market you may have read there has been a mass migration from cities like Boston & New York to the suburbs. Home sales are up in Massachusetts and Connecticut, and condo and single-family home prices are setting records. It’s natural to assume that homeowners insurance and…
As people across the country are spending more time at home, many are turning to DIY (do it yourself) home projects to spruce up their spaces. While home renovations come with numerous benefits, there are still some factors to consider before taking on home improvement projects yourself. Smaller projects like painting or simple landscaping may…
Nobody wants to talk about death. However, it is a reality for us all. After we are gone we want to be sure those we leave behind won’t be stressed about finances. When it comes to protecting your loved ones with life insurance, it’s important to separate fact from fiction. Isn’t my employer-provided life insurance…
With new state travel protocols in place for Massachusetts and Connecticut, local day-cations are an excellent option for families to stay safe while traveling throughout the New England area. Gas is cheap, crowds are not as large, and traffic is lighter. To help make the most of your day-cations, we’ve put together some tips to ensure your summer road trips are as safe and seamless as possible.
Have you noticed that auto insurance rates seem to increase every year? Unfortunately, it is the case for nearly every insurance carrier. While insurance agents don’t set insurance rates, Bearingstar can help you understand some of the elements carriers consider when determining their rates. At its most basic form, the premise of insurance is…
Many businesses in Massachusetts and Connecticut are starting to open their doors again with each state’s phased reopening plans, and many employees are eager to get back to work. However, after months of being closed or working under reduced operations, reopening a business requires careful thought and consideration — not only to protect employees but…
The summer of 2020 will likely be very different for many this year. Instead of summer trips many families are enhancing their backyards by installing pools, trampolines, and treehouses to create their own fun at home. Your friends at Bearingstar are here to remind you that before you do make these updates, you should give…
Mold – the four-letter word a homeowner never wants to hear. It can conjure up images of health problems and expensive removal solutions. Whether you’re covered for mold damage and removal often comes down to the source of moisture and the wording of a policy. For most standard homeowners policies mold removal is only covered…
June is National Safety Month, an opportunity to help prevent unnecessary injuries on the roads, and in our homes and communities. For many New Englanders, the summertime is all about making the most of the great weather outside. The great outdoors have never called to us more than during the pandemic lockdown. Use these safety…
At Bearingstar, we understand there are is a lot to consider when it comes to homeowners insurance. There are many factors that can lead to being under-insured, including rising labor and construction costs, remodeling or additions since the policy was purchased, and inaccurate property assessments. To make sure you and your home are covered, we’ve…
No matter how careful you may be, accidents do happen. Although it’s true that accidents account for some claims, many home insurance claims can be entirely preventable by the homeowner. There are little things you can do every day to prevent some of the most common claims that we at Bearingstar see all the time….
Picture this: you just got in a fender bender and you need to call your agent. Do you want to speak to a call center in Cleveland, or do you want to speak to an agent in your own neighborhood? Our agents are local experts that you can trust! It shouldn’t take 15 minutes or…
Natural and manmade disasters often have unfortunate impacts on the insured, as well as insurance companies. Look at the destructive Columbia Gas explosions that rocked the Merrimack Valley in the fall of 2018. And who can forget Hurricanes Harvey, Irma, and Maria? These disasters caused between $115 and $280 billion (1) worth of damage to…
If the current landscape has you thinking about life insurance, you are not alone. Many people are worried about themselves and their loved ones as the COVID-19 pandemic continues to evolve. These turn of events have more people searching for life insurance as an added peace of mind for their loved ones. To help navigate…
We all know harsh weather can mean downed trees. So, who pays for what when trees fall on your property, your car, your neighbor’s house? The answer is – it all depends! Here are answers to some frequently asked questions about trees damage and insurance. Does homeowners insurance cover damage caused by a tree…
One of the best ways to show your love is by protecting the future of those you care about most. How do you do that? With life insurance of course. As we grow older, get married, build families, start a business, we come to realize more and more that others are depending on us. Life…
Icicles may be beautiful, but when they are huge and hanging off the side of your home, they can tear off gutters, loosen shingles and cause water damage inside your home. Not to mention, they pose a serious threat to household members, visitors, and pets if one were to break free and fall. We want…
The new year is an opportunity to have a fresh start. Many people take this time to set new personal and professional goals — but it’s also a great time to review your insurance policy with your local Bearingstar Agent.
Head to the blog for important questions to ask your agent during your 2020 review.
Reflecting back on 2019, we are proud of the positive impact the Bearingstar Insurance Charitable Fund (BICF) has made for the many people and communities that we serve. Over the course of the year, BICF has made charitable donations to over 65 amazing nonprofit organizations throughout Connecticut and Massachusetts. This support is achieved through the…
There are many reasons why people may let their insurance lapse. However, it should be avoided if at all possible. Here are several reasons why it’s important to stay protected and avoid a lapse in coverage, and some tips to help you stay on track. Loss of coverage From the time your policy expires to…
Mr. Klopp’s home is hooked up to the city sewer. One day, Mr. Klopp arrives home from work to find that sewage has backed up through many of his drains. This does significant (and terrible smelling) damage to his rugs, furniture, personal property, and hardwood floors. Fortunately, he is able to file a claim on…
What is Earthquake Coverage? The Earthquake endorsement “buys back” coverage for earth movement — which is excluded from the standard homeowners policy. Earthquakes can cause extremely costly damages to your home from weakening the structural integrity to the outright destruction of your dwelling. A typical deductible would be 5%. That is, 5% of the dwelling…
Halloween is a fun time of year — full of little ghosts and goblins skipping through neighborhoods to get their yearly haul of candy. Here at Bearingstar, we know how important it is to make sure your kids are having a safe and happy Trick-or-Treat experience. Protect your kids by following the below safety tips…
Online shopping is more popular than ever with almost 12% of all retail being conducted online. The convenience and unlimited variety when shopping online is unmatched; however, online shopping can put you at an increased risk for identity theft and cyber fraud. Here at Bearingstar, your safety is our number one priority — and that…
What is Flood Insurance? Flood insurance covers damages (subject to exclusions) incurred due to flooding. The coverage provided by a flood insurance policy is nuanced and has many exclusions and conditions so it is important to talk with an experienced agent to understand this type of coverage. It is important to note that flood damage…
What is Umbrella Insurance? Umbrella Insurance provides excess liability coverage beyond that which is provided by your personal home, auto, and watercraft policies. An umbrella gives you peace of mind knowing that you’re covered well beyond your underlying policy. “Would you like there to be additional coverage available once the liability limits of your home,…
What are Auto Liability limits? Liability coverage pays for bodily injury or property damage you become responsible for as a result of a car accident/incident. Liability limits are usually shown as three numbers, referring to the most your insurer will pay for an accident you cause. A common policy structure is 250/500/100, which covers up…
Spending time outside with your four-legged friends is one of the best parts of summer in New England! However, the summer heat can be extremely dangerous for pets — even more so than it is for humans. Pets are especially sensitive to heat and humidity and can overheat and become dehydrated much more quickly than…
It’s finally everyone’s favorite time of year in New England — summer! There’s nothing quite like a backyard BBQ or pool party with friends and family this time of year. Here at Bearingstar Insurance, we love enjoying our backyards with loved ones, which is why we’ve put together the following collection of tips, insights, and…
Planning a getaway this summer? We get it. It’s been a long winter and an exceptionally rainy spring — and now you’re craving some sunshine. Just don’t forget to make sure your home is prepared for your absence. There are a few things that homeowners often overlook as they get ready for a vacation; which…
Life can change fast — sometimes a lot faster than you anticipate, and while these changes are often exciting, it’s important to make sure your insurance policies are keeping up with you! Things like getting a new car, renting your first apartment, buying a home, getting married, having children, starting a business, or retiring all…
At Bearingstar Insurance, we believe that insurance is more than just a piece of paper, it’s peace of mind — and an umbrella insurance policy can offer just that by providing additional liability coverage beyond the limits of your home or auto insurance policies. While we’ve already covered the basics about umbrella insurance in our blog,…
It may seem like just yesterday that you were dropping your little one off at school, and now they’re asking for the keys to drive themselves. As a parent, putting a new driver on the road can be equally nerve wracking as it is exciting, which is why we’ve put together the following list of…
It’s officially spring cleaning season! Here at Bearingstar Insurance, we think this is also a great time to make or update your home inventory. Not sure why you need one? A home inventory is a great resource to share with your local insurance agent. A comprehensive home inventory will help your agent ensure you have…
Considering life insurance for the first time? As life progresses, more people and things can become financially dependent on you, like a spouse, children, properties, or a business. While these developments are exciting, they also become responsibilities — making life insurance truly important, regardless of your stage of life. Whether you’re single, married, a parent, or…
Whether it’s your commute, a weekend getaway, or simply a quick trip to run a few errands, getting stranded on the side of the road is never a part of the plan. Unfortunately, it does happen — and while there are plenty of services that offer roadside assistance, having an emergency car kit is an easy…
Like it or not, shoveling snow is a part of life for New Englanders in the winter. While it may seem like an inconvenience, keeping walkways clear of snow and ice is imperative to minimizing the risk of a slip and fall or other injury. It’s important, however, to remember that shoveling can put quite…
Aside from the colder temperatures, winter also brings along snow, icy surfaces, and slippery floors — which can all lead to a workplace accident. Understanding the risks of workplace injuries, which are heightened during winter months, is important to maintaining a safe environment for your employees, customers, and any other visitors to your business. Here…
How to Properly Insure Your Valuables The start of the New Year is a great time to take stock of your plans and goals, but also of your personal belongings and insurance coverages — especially if you received any lavish gifts or made any big purchases over the holiday season. Here at Bearingstar Insurance, we…
With winter winds and snow storms just around the corner, you’re likely getting ready to spend a lot more time cozied up inside your home. While winter can be a relaxing season, it also poses a number of potential threats to your home. Here at Bearingstar Insurance, we want to make sure your family is…
Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…
Hacking, phishing and malware incidents are becoming more common in today’s tech-focused world. As cyber criminals continue to find new ways to gain access to your private information, it’s imperative for consumers to do everything they can to protect themselves online. Here at Bearingstar Insurance, we want to educate our customers on the critically important…
The holiday season is fast approaching and whether you’re hosting Friendsgiving, your family’s annual Yankee Swap, or the countdown to the New Year, your celebration should be all about family and friends. Here at Bearingstar Insurance, we are all too familiar with how a gathering can quickly go sour, which is why we’re offering a…
Have you noticed changes in your insurance premiums? Insurance premiums can increase or decrease annually based on several different factors. These factors can be personal, like if you undergo a major home renovation or add a teen driver to your car insurance policy, or external, like technological advancements or economic changes in the world around…
In a world where everything is interconnected, implementing effective cyber security measures is more important now than ever before. According to the FBI, there are more than 4,000 ransomware attacks globally every day. As your commercial insurance partner, Bearingstar Insurance is here to help shield your business from these emerging threats. Our goal is to…
Picture this: It’s a hectic Monday morning and even though you’ve rushed to get the kids dressed and ready to leave the house, you’re still late to get them to school. They start arguing in the backseat, and when you turn around to tell them to stop, you don’t see the car ahead of you…
Homeowners in New England should be prepared for all types of disasters. From house fires to hurricanes and tornadoes, disasters can strike without warning, which is why it’s critical to start preparing today. Here at Bearingstar Insurance, we have witnessed first hand the emotional and financial toll the unexpected can have on homeowners. Therefore, we’re…
Picture this — you’re enjoying the company of friends and family on vacation when you remember the unpaid insurance bill still sitting on your kitchen counter. Or maybe your insurance bill got lost in the chaos of hosting 30 friends and family members at your home for Thanksgiving … do these scenarios sound familiar? With…
Are you shopping for binders, notebooks, and highlighters? That could only mean one thing — summer is winding down and it’s time to send your kids back to school! Whether you’re sending your teenager off to college for the first time or they’re a returning upperclassman, we know there are a lot of things on…
Are you planning a big move? Here at Bearingstar Insurance, we understand how stressful moving can be. We believe, however, that being prepared can make all the difference. The more time you give yourself and the more organized you are, the less you’ll have to worry about on moving day. To help you achieve this,…
Summer is in full swing, time to get out and enjoy the warm weather and longer days! Between all of the beach days and BBQ’s, we unfortunately know that summer also brings with it many unique risks. Here at Bearingstar Insurance, we want to help you keep your summer fun and safe, which is why…
When it comes to renting a car, there seems to be a lot of uncertainty around whether or not you should purchase rental car insurance from the rental car agency. Here at Bearingstar Insurance, we want to help you feel confident in your decision, which is why we’re offering up a few tips and insights…
Have you recently gotten married or engaged? If so, congratulations! This is a huge milestone and one to definitely be celebrated. At the same time, we also know that planning a wedding is a big undertaking, and that there is likely already a lot on your plate. Making arrangements for your wedding, planning your honeymoon,…
Summer is here — time to fire up the grill! While we know that summer cookouts can be a great way to gather friends and family, we also know that they pose serious fire risks if not done properly. According to the National Fire Protection Association, firefighters respond to an average of 9,600 home fires involving…
Did you know that according to the CDC, motor vehicle crashes are the number 1 cause of work-related deaths in the US? Unfortunately, rates of distracted driving and subsequent accidents and fatalities have risen over the last few years. The National Safety Council reports that work-related motor vehicle crashes accounted for more than 40,000 deaths…
Did you know that April is officially Distracted Driving Awareness Month? Here at Bearingstar Insurance, we understand that distractions happen while driving, but we also know that it’s important to stay focused on the road, no matter what. This is especially true for parents — remember, you’re setting the example for future drivers! Whether you’re…
We did it — spring is finally here! After being cooped up in the house all winter, we’re sure you’re ready to enjoy all that New England has to offer. But before you hit the road, it’s important to think about the unique hazards that spring presents for drivers. We want to help you enjoy spring…
Happy International Women’s Day! In honor of this special day, we’re excited to share a new Women’s History Month series featuring a few of the amazing female leaders we’re lucky to have as a part of our Bearingstar Insurance family — to kick things off, we’d like to introduce you to our Chief Operating Officer, Kim…
We made it; spring is right around the corner — time to say goodbye to arctic blasts and bomb cyclones and hello to beach days, picnics, and other outdoor adventures! While you may be thinking about fun in the sun, here at Bearingstar Insurance, we’re thinking ahead to all of the important home maintenance projects…
If you could get up to one million dollars in extra liability protection from $5 per week, would you? If you answered yes, then you’re in luck because that’s exactly what umbrella insurance can offer you! Let’s start with the basics — what is umbrella insurance? An umbrella insurance policy is an extra layer of liability…
Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…
In Part I of this three-part blog series on smart technology for the home, we posed the question, “Are You Smarter Than Your House?” By the end of 2017, nearly 12% of homeowners may not be – as that is the number of households that HIS Markit estimates will be laden with connected home devices…
In Part I of this three-part blog series on smart technology for the home, we posed the question, “Are You Smarter Than Your House?” By the end of 2017, nearly 12% of homeowners may not be – as that is the number of households that HIS Markit estimates will be laden with connected home devices…
In 2010, according to IHS Markit, only 0.5% of homes in the U.S. had connected home devices such as thermostats, lighting, security, and entertainment. By the end of 2017, IHS estimates that nearly 12% of households will have connected home devices, with an average of six devices per home. At Bearingstar Insurance, we have seen…
Our last Bearingstar Insurance blog addressed some of the most important things that a homeowner should know about their homeowners insurance if they are selling their home. Now, we want to turn our attention to those of you who are in the process of buying a home. If this is your first time going through the…
Are you trying to decide if now is the right time to be selling your home? Well, it is true that not many business sectors can claim to have rebounded more successfully over the past several years than the real estate market has. In 2012, housing prices across the U.S. hit rock bottom. Now, just…
As a member of the Arbella Insurance Group, Bearingstar Insurance has the opportunity to provide you great coverage from a local carrier. It also allows us utilize their experience when it comes to keeping you informed on industry trends. We recently spoke with Erin Schaaf, Arbella’s assistant vice president of Personal Lines Product, about rising…
Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…
The oversized beach ball is being tossed around in the pool, the kids are playing baseball in the yard, you’re throwing one-of-a-kind Ina Garten-style cookouts on the weekends, and, being the neighborhood’s “host with the most,” you, of course, always have drinks chilling in the cooler. It’s been a long wait for these summer days,…
So far, in our blog series on Life Insurance, we’ve discussed the importance of securing a life insurance policy no matter what stage of life you find yourself in, including if you are single, married or have a family. We also offered specific examples of why, no matter what your age or lifestyle, life insurance…
So far in our blog series on Life Insurance, we have discussed the importance of securing a life insurance policy if you are married or in a long-term committed relationship, and/or a parent. We also addressed some of the most commonly held misconceptions about life insurance, including the belief that it is expensive, complicated, and…
In the first part of our blog series on Life Insurance, we discussed the importance of securing a life insurance policy if you are married or in a long-term committed relationship. We also addressed some of the most commonly held misconceptions about life insurance, which our team at Bearingstar did our very best to start…
At Bearingstar Insurance, we passionately believe that life insurance is extremely important to have – and worth the time investigating – no matter what chapter of your life you find yourself in today. However, we understand if you are a bit cynical about this type of insurance and you would not be the only one….
The insurance professionals at Bearingstar feel a very strong responsibility to share the facts about what could happen when you take your eyes off the road for even a second. We also want to offer our best advice to all Massachusetts and Connecticut parents and guardians with young drivers on how to avoid a dangerous…
Deciding to get out of town is the easy part; the planning and preparation is another story. Whether you are traveling on your own, with friends, or bringing the whole family, there are undoubtedly a lot of things to do – lists to be made, shopping to be done, and bags to be packed. Amidst…
Helpful Winter Safety Tips for New England The winter season is upon us! As New Englanders we are very familiar with all the things that can make this season a bit more precarious than others. You don’t have to think that far back to recall the damage that can be done by ice dams, record-setting snowfall,…
Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…
It’s Car Buying Season! Bearingstar discusses how to quickly prepare for the process with a few new car buying tips. There are so many things to love about a new car – spotless interior, no dings or dents, and that new car smell. But how can you hold onto those new car good vibrations for as…
This Holiday Season We Can Expect To See More Toy Drones Take To The Skies Than Ever Before. In This Blog, Bearingstar Insurance Discusses The Potential Risks and Liabilities Of Being a Drone Owner That May Require Enhanced Insurance Coverages. Before you run out to Home Depot or click “Buy” on Amazon to purchase a…
When you’re feeling a little nervous in your home at night, you probably turn on the security system and double lock the doors, right? That’s precisely what Bearingstar suggests you do with anything in your office – online and offline – that might have information that could lead to a data breach at your company….
Even if you have addressed the Cyber Security recommendations #1 and #2 that Bearingstar Insurance shared with you, and your network and devices are as secure as Fort Knox, they could still be vulnerable if somewhere downstream there is a vendor with access to your company data that has not taken the necessary cyber crime…
In our first Cyber Security Blog Post, we mentioned in tip #1 the importance of having a complex, strong password for your wire transfer system. That’s probably not the first time you’ve heard that advice. But has anyone ever fully explained to you or your employees what a powerful password actually means? Cyber Security Recommendation…
The Department of Homeland Security sends a clear message to business owners: You need to take charge of your company’s cyber security and work with qualified professionals to secure all devices, networks, and data. Cyber attacks are prolific these days, and, according to the FBI, widespread, sophisticated cyber crime is not just a threat at…
It’s Fire Prevention Week! In honor of the National Fire Protection Association’s (NFPA) Fire Prevention Week, Bearingstar has created four fire safety blogs that have lots of smart ways to keep a fire-related tragedy from happening to you and your loved ones this fall and throughout the winter months. Following is the final edition of…
Do You Know How Often You Should Check The Age Of Your Smoke Alarms? In honor of the National Fire Protection Association’s (NFPA) Fire Prevention Week, Bearingstar is sharing another fire safety blog that has lots of smart ways to keep a fire-related tragedy from happening to you and your loved ones this fall and throughout…
Fire Prevention Week, It’s A Hot Topic Right Now! With Fire Prevention Week coming up , there’s no better time than today for us to get you ready for it. As your local community’s personal insurance experts, Bearingstar believes that proper planning helps us better protect our important clients, like you, and the people in…
Fire Prevention Week, It’s A Hot Topic Right Now! At Bearingstar, we believe that proper planning helps us better protect valuable personal insurance clients, like you, and the important people in your life. So, with Fire Prevention Week coming up in October, there’s no better time than today for us to get you ready for…
Please use these helpful tips to prepare your business for severe weather this hurricane season.
Fireworks are dangerous and can cause serious burn and eye injuries. According to the Consumer Product Safety Commission (CPSC), fireworks were involved in an estimated 10,500 injuries treated in U.S. hospital emergency departments in 2014.
Does the warmer weather have you considering purchasing a new vehicle? Before you start shopping, we wanted to bring your attention to two important auto-related issues that you may have heard about in the news. The below articles discuss a recent airbag recall and how to protect yourself against buying a flood-damaged vehicle, information which we hope you find helpful as you begin your search for a new car.
This handy spring infographic provides several routine spring maintenance ideas and advice to ensure that you and your family can avoid any issues with your home, letting you enjoy the nicer weather ahead.
We hope that the tips in our March newsletter will help you prioritize, get things done, and check tasks off your list so you can get outside and enjoy the nice weather with your family and friends.
Protect your home this winter with these smart tips to prevent damage caused by household appliances.
