Did you know that 93 percent of American households had access to at least one automobile in 2019? As this statistic attests, owning a car remains a source of accomplishment and pride for US citizens. Purchasing and insuring a
Anyone who owns a home can attest to the fact that homeowners’ insurance isn’t a luxury, it’s a necessity. It protects your home and all possessions therein against incidents such as theft and damage, thus
Many people get overwhelmed when they think about their insurance. If they own a home, they probably shopped around and went with the cheapest policy. Same with automobile insurance. However, that isn’t always the wisest
Moving into your first apartment is an exciting time. Still, you also have a lot of responsibilities to make sure everything goes smoothly when moving day arrives. While you’re probably excited about moving out of
Running a business can seem like a minefield full of potential missteps and mistakes. It’s easy to overspend in some areas and neglect important obligations. If you own or run a business, purchasing the right
Most teens are excited to get behind the wheel. However, for parents, this milestone can be a whirlwind of responsibilities and worries. Whether your teen is just beginning to drive with a learner’s permit or
How and Why You Should Conduct an Annual Review of Your Personal Insurance Policy All too often, consumers purchase insurance policies and never review them to reflect the changes of a growing family, new purchases,
Life is a journey, not a destination. A road trip embraces this idea for the opportunity to embark on an adventure that could literally take you anywhere. Admittedly, your budget and timeframe will likely limit
It’s one of the most special and memorable days of anyone’s life: your beloved has gotten down on one knee and asked the question you’ve been hoping to hear. “Will you…?” Perhaps they presented you
It might seem like the decisions connected to sending your child off to college are endless. Which school to select? How to pay for it? What classes to take? What will they need for school while living
As a small business, you know there are a plethora of things to consider on a daily basis to keep your business running smoothly and successfully, from employees, inventory, customers, insurance needs, and business finances. The
Have you been considering whether or not integrating smart home technology is right for you? Smart homes are no longer things of the future. With the boom of smart devices, more and more people are
When you’re involved in an accident caused by someone else, it should be their responsibility to pay the cost. However, making a third-party claim is rarely that simple. A claim against someone else’s insurance is
Is one of the items on your lifelong bucket list to own your own boat? Do you dream of being out on the open water, cruising along, watching sunsets in a boat you own yourself?
Some 30.7 million small businesses exist in the US, and small businesses also help to create 1.5 million new jobs each year. They are a fundamental part of the US economy. Those numbers are impressive and
2020 was a big year for the housing market. As Coronavirus swept the globe and forced families to alter their lifestyles completely, priorities began to shift, and new opportunities arose for many potential home buyers.
In this digital age, running a business without cyber liability insurance exposes you to tremendous risk. 70% of small businesses are unprepared for cyber attacks, and the forecasted average cost of cyber attacks is $1 trillion
So, you’re ready to take the leap into homeownership and want to prepare in every way. You have saved for the downpayment, researched what you can afford, and even started to look at homes. You
When disaster strikes, you could find yourself and your business drowning in a heap of bills. That’s why no one should open a business without purchasing business insurance. You can also add extra coverage to your
In the last two decades, flooding has accounted for 43 percent of all-natural disasters in the United States. That makes flooding the most frequent natural disaster in the US by far. The effects of flooding can
The real estate market is hot right now. There are many reasons to consider getting into real estate as an investor. There are also big incentives to sell while the market is hot. If you have
Research has shown that people consider moving more stressful than divorce. And while this may seem extreme, when you consider all the stresses associated with finding and buying a home, it actually makes sense. Beyond the complexity
With a competitive real estate market right now and the coronavirus leading people to reconsider what they really need out of their home space, it’s no wonder a lot of people are interested in building
Is it time for you to look into buying a home? Whether you’re looking to save money on a place to live or you want to fix up a rental, buying a fixer-upper is a great
Over the past four years, electric scooter injuries have reached nearly 40,000. These injuries include broken bones, cuts and bruises, and head injuries. These staggering numbers often leave many Americans wondering—what are the insurance requirements for these
If you’ve decided 2021 is the time to start up your small business, you aren’t alone. There’s a wealth of individuals out there with the same goal. The small business sector has been growing for
Owning a home is one of the biggest life investments for you and the generations that’ll come after you. Even though your home is a place of safety and beautiful memories, it’s also a place
Many business owners are familiar with the need for commercial insurance and general liability coverage. However, it’s common for business owners to have no idea about the amount of their general aggregate limit. Unfortunately, individuals don’t
When was the last time you checked the air pressure in your tires? Too many people neglect the recommended tire pressure in their cars. The tire pressure matters if you want to be a safe driver, get
Did you know that based on over ten years, the top two contributors to weather-related car crashes were wet pavement and rain? Hydroplaning occurs during rainy conditions. Speed, insufficient tire tread, and standing water are the three factors
Buying a home is an incredibly huge step in a person’s life. There is a sense of pride that goes with homeownership, and being able to turn a dream into reality is very satisfying. After
In America today, roughly 70 million homes, or 95% of homeowners, have homeowner’s insurance. Today, home insurance coverage is a necessity to keep your home safe. Homeowner’s insurance protects your home and belongings from damage or theft. Protecting
The Internal Revenue Service (IRS) carries a strict reputation as the nation’s accumulator of taxpayer dollars and the chief enforcer of the United States’ tax code. In 2018, The IRS performed approximately 892,197 audits. Due to
Real estate is something of both art and science. There are so many variables that come into play when selling a house. One of which is the timeframe to sell your home. Ensuring you list your
Over 30 percent of Americans rent their homes. This amounts to approximately 44 million households! Clearly, there is a demand for rental properties out there – why not get in on the action? If you’re thinking of
The home-selling market is expected to pick up as 2021 goes on. Certain kinds of homes are in high demand, while others are being left behind. How can you be sure that your home will sell
If you found yourself suddenly working from home during 2020, you were among many. By April, 51% of the U.S. workforce was working remotely due to the COVID-19 pandemic. For many, this was their first time working
Are you in need of a new insurance agent? Maybe you’re not sure, and you’re browsing around looking for ideas and suggestions, or you’ve decided to switch, but you’re not sure how. Regardless of your
A recent study showed that 87% of Americans have negative car buying experiences at the dealership and that many feel they were taken advantage of. Car shopping has been an unpleasant experience for many consumers for a
Nobody likes to pay for the insurance bill. But it is a necessity as a homeowner. The insurance provides the needed financial protection when something unexpected or catastrophic happens to your home. When those unfortunate events
Tax time is always stressful for hardworking Americans. Especially after such a tumultuous year, they are even more complicated this year. There are always many moving parts to keep track of when it comes time
Understanding the details of a condo master insurance policy is important for both building and unit owners. Since many areas within a condominium complex are shared, it becomes the owner’s responsibility to insure common places.
Depending on where you live, driving in the winter can be completely different than driving in the summer, spring, and fall. The winter months bring snow and ice, as well as frigid temperatures. Winter weather
In the United States, roughly 67 percent of households own pets—yet, only one percent of those pets are insured. There are many common misconceptions about the pros and cons of pet insurance policies. You never want to think
Buying your first home could easily be the most exhilarating but scary decision you make. It could be the best decision you ever make, but it could also be the biggest mistake of your adult
The cost of car accidents across the US rounds out to roughly $242 billion per year. The more often a driver is on the road, the more statistically likely they are to get into an accident. This means
Each year, nearly three million property owners worldwide rent their homes through the Airbnb platform alone. Millions more rent out properties through similar platforms, generating billions of dollars in income. But while listing your home or vacation property with a short
So you’ve finally gotten your dream car. A classic Ford Mustang or a limited make Mercedes-Benz AMG Hammer is now sitting in your garage waiting to take a cruise down a forest-lined highway. But before
It’s time to say goodbye. With all the memories of countless road trips, mundane trips to the grocery store, and exciting adventures, your vehicle has served you well. But now, it’s time for it to
With every project, you put a lot on the line. Accordingly, it’s important to ensure that you have sufficient liability coverage. It’s a good day when you win a contract. However, some project owners require
More than 74 percent of all Americans who set New Years Resolutions feel they will accomplish their goals next year. It’s natural to feel there is no better time to start fresh and develop positive habits with
Are you looking to pick up and move to a whole new place? It’s an exciting time, but you have so many options. What’s the right choice? Do you know if you’re going to buy
Comparing homeowners insurance to dwelling fire insurance may initially seem like comparing apples to apples. After all, your home is a dwelling. However, the policies are actually designed to cover two different buildings under separate
According to the American Veterinary Medical Association (AVMA), more than 48 million American households own at least one dog. As these numbers suggest, pet ownership is rewarding. Dogs provide companionship and unconditional love. They may also enhance
As the holidays approach, it’s easy to get caught up in the excitement of the season. Still, the most wonderful time of the year is often the busiest. Thus, those responsibilities make you feel rushed
Insurance is one of those things people don’t like to think about until they need it. Even so, there’s no better feeling than having an insurance policy that you know will protect you if the
Are you wondering how to lower homeowners’ insurance for you and your family? Do you wonder how things such as filing a claim or your credit score will affect your home insurance policy’s premium? If
The first insurance policy was created in the United Kingdom back in the 1700s. Since then, these policies have become invaluable across the globe. In fact, the insurance market is currently worth $1.22 trillion. This means
You’re driving, minding your own business. But then – “BOOM”, you get hit by an uninsured driver out of nowhere. Well, for one, that is simply a misfortune. However, you’ve probably never been in a
67.4% of Americans own a home. Not only that, but a good chunk of homeowners rent their home out to tenants. If you’re thinking about renting out your home, you may be wondering about the best
For business owners and private citizens alike, the word “audit” tends to send a shiver down our spine. The word tends to carry a negative connotation, often associated with IRS tax audits that can potentially
According to the Equal Employment Opportunity Commission (EEOC), employees filed 72,675 cases alleging workplace discrimination in 2019. Regardless of their outcome, these cases impose significant costs on employers. EPLI insurance protects your business from these costs. So what is EPLI insurance?
Getting your driver’s license in the USA can be an exciting time. This makes it easier to get around than ever before and offers you the freedom to travel as you please. In fact, each
Your business is a vital part of your lifestyle. You worked hard to get where you are, and you need the right insurance coverage to protect your assets. Most people understand they need home and
Did you know the average Massachusetts driver will pay almost $1,100 a year in car insurance premiums? If you’re on the hunt for car insurance, this doesn’t mean you’ll have to pay this price. You can
As much as 90% of businesses are engaged in litigation throughout each year. Sometimes lawsuits come from customers, while others come from partners, staff, and vendors. Litigation might happen if someone feels they’re owed money. Cases
If you’re in the market for a new car, then you’re most likely sorting through the inner debate of “leasing vs buying… which one is right for me?”. Truth be told, they both have their
Protecting your hard-earned assets is an important part of planning for your future. There’s nothing like working to save and set aside money for the future, only to have it taken away through a liability
When it comes to unexpected incidents, most people hope and wish that nothing goes wrong. However, life has proven time and again that anything can happen at any time. Although you can’t always prevent accidents
Have you or an employee of yours been involved in a car accident with your company vehicle? If so, then you might not know what to do or where to turn for help. The actions
Workers compensation is a monolithic area of legal expertise, akin to other specializations like tax law or constitutional interpretation. The Department of Labor has an entire webpage devoted to it, dividing workers compensation into four main categories.
Most drivers in the United States (including 96 percent of drivers in Massachusetts) have invested in auto insurance. The mere act of purchasing car insurance doesn’t guarantee that you know how to handle a car insurance claim, though.
Business Risks: What Happens When Your Business Insurance Lapses? Business insurance is one of the most important things you need to prepare when launching your start-up or building your business. Even for companies that are
Did you know there are 30.7 million small businesses in the U.S.? If you own a business, you know that you need insurance to help protect what you’ve worked so hard for. Not only do you need
Being Underinsured
Many homeowners make the unfortunate error of underestimating how much their personal belongings are worth. Though it’s important to have your property appraised, that alone isn’t enough.
When it comes to personal insurance (including homeowners insurance, renters insurance, vehicle insurance, etc.), many people throughout the United States are uninsured or underinsured. Are you part of this group? Are you unsure of how
Massachusetts’s population has grown by 5.4% since the last US Census. Today, almost seven million people call the state home. Along with this population growth is the rise in the number of owned vehicles in the Bay
Did you know that researchers found that riding a motorcycle can lower stress markers by at least 28%? The study also noted that 20 minutes of motorcycling had effects akin to light exercise. Moreover, motorcyclists seem
Every ten seconds, an American driver is in a car crash. These crashes can involve life-changing injuries. They can also lead to life-altering lawsuits. In the blink of an eye, unsuspecting motorists can find themselves
Condos account for less than 10 percent of occupied American housing units. Despite their relatively small market share, condos are becoming increasingly popular. About one in every five units in newly constructed multi-unit properties are condos. Condos
Buying a house is one of the most exciting, nerve-wracking, and momentous occasions in many people’s lives. One of the most important things you do when you buy a house is to set up your
Today, living in condominium buildings has become a common lifestyle choice for many due to its convenience and unique living arrangements. You may have noticed an influx of condos in the market lately as these
As a condominium property manager, you’re the primary point-of-contact for unit owners, the building’s board of directors, hired personnel, services, and contractors. This means you’re responsible for overseeing every aspect of operations, from maintenance work
Just this April 2020, over 130,000 people in Massachusetts lost power due to severe storms. Extreme winds and heavy rains uprooted trees, which then fell onto power lines. Almost ten thousand consumers had to sleep without power during
Why purchase special event insurance?
The first thing to do is to check and see how many items of yours will not be covered by your homeowners insurance. If you have a lot of items not covered, then you will need a higher value homeowners policy.
Looking for great ways to save money on your auto insurance and home insurance? Combining policies with the same company might be the best way to save money and save time!
Boating and Watercraft Season has begun in Massachusetts! Before we know it, we will be spending long days on the water and enjoying sunshine, family and friends.
In 2018, personal insurance and pensions cost Americans an average of $7,296. That represents an increase of 7.8% from the previous year. It’s also $465 higher than what consumers shelled out in 2016. All these prove
Found yourself exclaiming, “why is my car insurance so high?” You’re not alone: at least 5.6 million other drivers throughout the US are on the same boat. This is the number of motorists who’ve seen the most
Did you know that in 2018, a staggering 748,841 cases of motor vehicle theft occurred in the US? Or that these crimes led to over $6 billion in property losses? Granted, the FBI did note that the
In Massachusetts, winters have become warmer by at least 3.9 degrees. Interestingly, increasing temperatures, according to scientists, can bring higher amounts of snow. Spring in the Bay State, on the other hand, now comes with more
A fire can cause serious damage or the total loss of a home. When the fire occurs in a rental home, there are a variety of complications regarding insurance and payment. While most insurance policies
Everything You Need To Know About Insuring Your Business Setting up a business is no easy feat. You have to come up with an innovative product or service to consumers and go through many steps
Having trees growing on your property has many benefits, including providing shade, increasing your property value, improving air quality, and even improving your mental and physical health. That being said, there are also risks to having
While Massachusetts residents must carry car insurance, homeowner’s insurance isn’t required. Still, that doesn’t mean you should skip the coverage. Failing to carry insurance on your home provides a variety of risks and expenses. Your
A home insurance policy is designed to cover the cost of rebuilding your home and replacing your possessions in the event of a catastrophic loss. Whether you’re buying a new home, renewing your home insurance policy, or
Buying a house in America is expensive and only getting more so. As housing prices climb, Americans are increasingly choosing to rent. In fact, renters now account for nearly 40 percent of American households. One of
Becoming a landlord can be a profitable way to make use of an uninhabited property. Still, there are many responsibilities and expenses involved. As a landlord, you are responsible for the upkeep and safety of
New Car Buyer Auto Insurance In 2019, the average cost of car insurance for a medium-sized sedan was $1,251. The range is vast, though. While a single 40-year-old with a clean driving record might pay $1,400
Auto Insurance Annual Check-Up for Complete Coverage Your driving requirements change from one year to the next and your insurance coverage needs to keep up. You know it’s important to make regular appointments to have
Massachusetts Home Insurance Annual Check-Up Insurance coverage should never be considered a “set it and forget it” purchase. Insurance companies offer a variety of policies designed to fit the unique lifestyles of the customers who
In 2017, only 6% of insured homeowners filed a home insurance claim. You may be wondering, “Why are we all paying these monthly premiums if no one’s cashing in?” The answer is simple: it’s not always a good
If you’ve ever lent out your car, you understand the fear that comes with being generous. Car repairs are expensive. So when you put your car key in someone else’s hands, you want to make sure
Are you eligible for a stimulus package check from the Treasury Department? As of Friday, April 24, the Internal Revenue Service said it had issued 88 million payments to individuals across the country. It plans
Buying a home is an exciting time in your life, but the process can be overwhelming. As you work your way through the many steps involved in purchasing a new home, it’s important to remember
Did you know that 98% of home insurance claims are filed with insurance companies due to property damage? That should tell you that insurance coverage for your property is important, regardless of the type of
The best way to avoid COVID-19 is to stay at home and practice social distancing tactics whenever possible, Unfortunately, most people are forced to leave home for essential needs like food and medicine. Additionally, many
Every state in America has reported evidence to support that they are many confirmed cases of COVID-19, the dangerous illness contracted by the novel coronavirus. Federal, state, and local governments are issuing public health protective
Keeping Workers Paid and Employed Act: Section-by-Section Definitions 7(a) Loan Program Defines the covered loan period as beginning on March 1, 2020, and ending on December 31, 2020. Defines eligible businesses as those businesses with
SBA Assistance for Small Businesses Under the CARES Act There are two categories of SBA assistance presently available to (most) small businesses impacted by COVID-19 pandemic and accompanying coronavirus-related shutdowns and public safety orders. The
If you’ve ever been involved in a fender bender or a car accident, you already know how important car insurance is when the time comes to pay for the car repairs. The problem often comes
Is Buying Rental Car Insurance Worth the Cost and Hassle? You’re a responsible traveler. You booked your room weeks in advance, your schedule is set in stone, and you’ve chosen a reliable rental car. Still,
In a strong economy, there are many avenues for investment. One popular choice is investing in a home or apartment, renting it out and using it for income. Investment properties are great for long term financial goals
The car rental industry in the US made around $45 billion in 2019. That equates to a large number of rental cars on our roads every day. If you’re unfortunate enough to get into an accident when
Homeowner’s insurance protects your home from covered risks. However, it’s important to realize that your insurance terms could change during the process of renovation. Even when your home is properly insured and your contractors have
If you don’t drive a company vehicle, chances are, you’ve never considered the need for commercial auto insurance. After all, everyone drives their car to and from work without changing their policy. Still, if you
Big-name insurance companies are widely known because of their ability to saturate the media with commercials about the policies they provide. These insurance companies can be a reliable choice because they’ve been in the industry
A car accident is a frightening experience no matter the severity of the injuries or the property damage involved. While you may think you know what to do, it’s easy to forget the vital steps
Purchasing a condominium is an exciting time. You know you’ve made a great decision and you want to protect your purchase. Of course, seeking condo insurance is a good idea, but it’s important to understand
A certificate of insurance (COI) is a way for your business to provide quick access to the terms of your insurance policy. Providing your clients with a COI builds confidence in your business because it
During the process of buying a new home, you’ve likely been introduced to a variety of new confusing terms and documents. When it’s time to apply for a mortgage loan, you’ll likely need to have
Moving from one state to another is a huge undertaking. Taking care of your family and your possessions is your priority. Still, among the chaos, it’s all too easy to forget some of the necessities
As a small business owner, your top priority is most likely minimizing your costs while maximizing your profits and growth. Now that you have established a regular clientele and have been earning steady revenue obtaining
Learning to drive is an exciting time for teens but often a nerve-wracking experience for adults. While getting all the proper documents and training in order for your child to get a learner’s permit, it can
One of the things you will need to budget for annually or after a specific duration is your car insurance, which may vary depending on such factors as your driving history, state, gender, age, and
There are over 45 million rental properties available in the United States — many of which are businesses and homes. In fact, in Massachusetts alone, there are over 600,000 businesses that provide critical services to
Each year, one in 50 insured homes has a property damage claim related to water damage or freezing. While estimates vary, each American uses an average of 80-100 gallons of water per day—inside of their homes! With these statistics,
Most people have at least one type of insurance coverage, but it can be difficult to understand exactly what your coverage includes, whether you have the exact coverage you need, and even why you need insurance in the first place. We understand that insurance can be confusing. Insurance policies are filled with legal terms and conditions that make your coverage details a bit of a mystery. This is why our blog is designed to offer detailed articles that describe important insurance policies, documents, and other details that help Massachusetts residents find dependable insurance coverage that won’t break the bank.
The LoPriore insurance blog is designed to provide a resource for our valuable customers to learn more about the insurance topics that concern you most. Whether you’re seeking information about the available personal insurance options for your growing family, commercial insurance required in Massachusetts, or necessary insurance documents, our blog has the details you need.
Learn more about the ins and outs of insurance with some of these topics located on our blog.
LoPriore is an independent insurance agency that works with a variety of insurance companies to help you get the best coverage at a cost you can afford. Our motto is insurance that fits your lifestyle, and we know the best way for you to get the coverage you need is to be informed. If you need more information, we encourage you to get in touch with our experienced agents to learn more about our policies, get a quick quote, or get answers to your insurance questions.
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LoPriore Insurance Agency is a proud Trusted Choice agent dedicated to providing competitive insurance products and personalized service to our valuable clients. Our dedicated team of experienced professionals takes the time to listen to our customer’s needs. Then, provide valuable advice about the policies that will fit their unique lifestyle.
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Stoneham, MA 02180
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