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3 Types of Insurance that College Students Need

3 Types of Insurance that College Students Need

By Richard A. McGrath, CIC, LIA It’s getting closer to back to school time, which means parents are busy buying their kids the essentials for college life, from bed sheets and toiletries to snacks and food for the mini fridge. However, most likely you’re forgetting about an important item to review that isn’t included on […]

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4 Emerging Risks for Today’s Homeowners

4-emerging-risks-for-todays-homeowners

By Richard A. McGrath, CIC, LIA Are you a homeowner or soon-to-be homeowner? Or maybe you have an expensive wine collection, jewelry collection or art collection? Homeowners and collectors have a significant amount to lose. As a homeowner, there are a few emerging risks that could greatly impact you and your financial security. Risk #1: […]

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Identity Theft and Fraud: It can happen to anyone

Identity Theft and Fraud It can happen to anyone

By Richard A. McGrath, CIC, LIA A recent study conducted by analysts at WalletHub, found that your level of vulnerability to identity theft and fraud may actually depend on what state you live in. According to the study, Massachusetts was ranked as the fourth highest state overall, and tied for the highest average loss amount […]

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Does My Homeowners Insurance Cover Home Improvement Projects?

Does My Homeowners Insurance Cover Home Improvement Projects?

By Richard A. McGrath, CIC, LIA Are you planning on making updates or renovations to your home this spring? Maybe you’re thinking of remodeling your kitchen or bathroom, or you finally decided to finish your basement or build that addition onto your house. Before you start construction on these types of projects, it’s important for […]

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Are My Pets Covered by My Insurance Policy?

Are My Pets Covered by My Insurance Policy

By Richard A. McGrath, CIC, LIA Our pets are members of the family and we love them unconditionally, even when they misbehave. The 2015-2016 National Pet Owners Survey conducted by the American Pet Products Association (APPA) found that 65 percent of U.S. households or approximately 79.7 million families own a pet. Additionally, the survey found […]

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Valuable Articles Insurance: Protection for your Treasured Possessions

Valuable Articles Insurance Protection for your Treasured Possessions

By Richard A. McGrath, CIC, LIA With the holidays long gone, it’s time to get back to a more normal schedule. But first, be sure to take a few minutes to sit down with your trusted independent agent to review your current insurance policies. And after the season of giving, it’s important to ensure that […]

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Tips for a Happy, Healthy and Safe Holiday Season

Tips for a Happy, Healthy and Safe Holiday Season

By Richard A. McGrath, CIC, LIA The holidays are here which means it’s time for spending more time in the kitchen, putting up festive decorations, and celebrating with loved ones. However, the holidays can also be a time filled with kitchen disasters, decorating fails and overindulgence. By making smart preparations beforehand, you can help keep […]

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Critical Illness Insurance May Be a Critical Need

Critical Illness Insurance May Be a Critical Need

By Richard A McGrath, CIC, LIA Sometimes health insurance just isn’t enough, especially to cover the costs of a critical illness. The three most common critical illnesses that Americans suffer from are cancer, heart attack, and stroke. When an illness strikes a family member, gaps in coverage often result in out-of-pocket expenses that can add […]

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Protect Your Family’s Future with Life Insurance

Protect Your Familys Future with Life Insurance

By Richard A. McGrath, CIC, LIA Death is a subject that makes most people uncomfortable, but have you ever stopped to think about what will happen to your family when you die? How will your family manage financially? Life insurance is a simple solution to this difficult question, yet more than 40 percent of Americans […]

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