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You will need to notify the right organizations if you decide to change your insurance.

Changing insurance policies requires you to cancel an existing policy and purchase a new one. To avoid gaps in coverage and avoid confusion, you should purchase the new policy first, and contact certain related officials to notify them of changes. When you cancel your old insurance policy, it’s time to notify the DMV, your bank, or your mortgage holder to ensure a smooth transition.

Yes, if you decide to cancel your insurance before it expires, you’ll be refunded the cost of the remainder of the term.

Most often, when you want to change insurance companies, you simply cancel the old policy on your own. You can call, email, fax, or visit your insurance agency to request cancellation. However you choose to cancel the policy, be sure you include the cancellation date in writing.

If you’re uncomfortable taking care of the cancellation, your new insurance agency may take care of the task for you. They will need your policy number, effective dates, and a signed cancellation letter.

Yes, we offer a multi-policy discount for customers who purchase multiple insurance policies from LoPriore. Bundling insurance policies can save you money on each policy you purchase.

Typically, you can set the date that your new insurance becomes active. You will likely need to make a partial payment to activate the policy. The official terms of the policy may take up to 30 days to be drafted. While you’re waiting for the policy to arrive, your agent will provide you with the documents you need for proof of insurance.

There are many commercial policies designed to provide the exact right coverage for growing SMBs. You could start by comparing the benefits of a Business Owner’s Policy (designed to provide small business owners with an affordable comprehensive commercial package) with the enhanced benefits of the larger Commercial Package Policy (designed to provide a custom set of coverage for medium to large businesses). Upon your request, LoPriore Insurance agents can provide you with a quick quote for both policies.

Massachusetts law doesn’t require drivers to carry collision insurance. Still, if you are paying off a car loan, your lender may require you to purchase additional collision and comprehensive policies.

It’s common for mortgage lenders to request proof of insurance in the form of an insurance binder before closing on a new home. Luckily the process of obtaining the necessary coverage and getting your homeowner’s insurance binder is easy. LoPriore offers the convenient option of simply filling out an online form and uploading any insurance requirements dictated by your lender. 

Your landlord’s homeowner’s policy doesn’t cover the cost of any of your possessions. Renter’s insurance will provide you with an affordable policy designed to reimburse you for your personal belongings in the event of loss or damage. Some policies even include liability and additional living expenses that may occur if your home is uninhabitable after a covered loss.

Some master policies provided by a condo association are very basic. If your master policy is described as bare walls coverage, common issues like plumbing and wiring aren’t even covered. Discussing your master policy with an independent insurance agent can help you understand the coverage you need to fill in the gaps left by your master policy.