Blog

The Builders Bundle Artisan Contractors Program

08.05.16

Imagine Trucks and Tools Together!

This revolutionary artisan Contractor’s policy was developed by the Arbella Contractor’s Team and is only available to Arbella subscribers. For this reason your Allan M Walker Account Manager can help you immediately on this offer.

Now contractor’s who have the confidence to operate independently or as a subcontractor have an insurance solution that makes it easy.

Why? Because It Costs You Less!

Work In Any of these Trades or industries:

  • Carpentry
  • Painting
  • Plumbing
  • Drywall
  • Metal or acoustic tile ceiling-installation or repair
  • Landscaping
  • Heating or AC/HVAC
  • Electrical work
  • Paper Hanging
  • Tile, Stone Or Marble Work
  • Janitorial Services

Plus many more industries and trades are available for this exclusive program Call TODAY 508-824-5875

Discover how the Bundle can Save you money.

Increase your profit by Bundling your Protection. Beyond the basic property and general liability coverage for on-site work and completed operations the Arbella Artisan contractor’s Policy adds protection where you may never had it before.

  • Coverage for your unscheduled tools
  • Valuable papers and records
  • Property in transit
  • Commercial Auto
  • *100 dollar credit* Hurry see if you qualify ask our account manager if you do!

3 More Reasons To Choose Us For Your Contractors Insurance Program

  1. We understand how to provide a comprehensive artisan contractor’s insurance program
  2. We understand what it means to be flexible within our Artisan Contractor’s Insurance Program
  3. We want to increase your profits and $ave you money by Bundling your Commercial Auto with your Contractor’s policy

This Builders Bundle is a policy that exceeds industry standards The Bundle goes beyond just the basics with protection. However, remember avoiding accidents is not promised to you or anyone else. So, don’t delay. Call or e-mail us Today!

Be protected, We Bundle, You Build, Have Confidence……..
Just Neighbors Helping Neighbors
Since 1847
Protection Is Our Business ~ Service Our Product

Add a comment

WHY GUARANTEED VALUE™ COVERAGE IS IMPORTANT FOR CLASSIC CARS

07.26.16

There are three ways auto insurance companies pay out claims. Standard on most policies is actual cash value, which pays out claims based on depreciated, used-car values. Some companies offer stated value for classics, which allows clients to set their own values. The only problem is that insurers are allowed to pay the lesser of the stated value or the actual cash value. Because classics usually maintain or appreciate their values, neither of these options are ideal.

With Guaranteed Value™ (AKA agreed value) coverage, the insurance company and the client agree on a value for the classic. If there’s a covered total loss, clients receive that full value, less any deductible and/or salvage value, if the vehicle is retained. No depreciation. No messing around. No hassle.  Call Mellissa TODAY ! 508-824-5875   http://www.allanwalker.com/for-individuals/classic-car
Guaranteed Value from Hagerty

Add a comment

Flood Is It Covered……

07.05.16

Flood Insurance

Every time we have a serious rain storm I see rivers of water cascading down driveways, streets, through backyards and flowing off of roofs. The thought I have is that pretty much every homeowner’s and business polices excludes flooding water and floods.

No Coverage For a Flood………

Every year unfortunately, business owner’s and homeowner’s alike find out that flood coverage is NOT a covered loss, unless it has been added by endorsement or bought as a separate flood insurance policy.

It is a misconception that floods only happen near oceans, rivers, coastal areas and streams. Any area can flood over a period of time; it is the amount of water that produces the flood where it has never been before. The quick build up and rapid accumulation of water is what causes devastating damage that takes everyone by surprise.

Until it happens there are many people who think “I am not located near any big body of water or stream and we never had a flood before,” so it is a kind of out of sight out of mind kind of thing. However, floods do happen and they happen across the country where there is hardly any water at all!

That last wicked rain storm where the wind was howling and rain was going every which way had a potential to cause a flood. Flood insurance can be purchased and added to your insurance program, all you need to do is give us a call at 508-824-5875. Ask one of our account managers to help you and answer any questions you may have.

So please don’t delay be prepared for life’s misfortunes because we don’t know what is coming next.

E-mail me for more information Mike@allanwalker.com or call one of our team members toll free 1-877-824-6670 or 508-824-5857.

Just Neighbors Helping Neighbors Since 1847.

Add a comment

Replacement Cost Coverage for your Homeowner’s Contents

06.10.16

Actual Cash Value Vs. Replacement Cost Coverage

Your homeowner’s policy provides protection for your dwelling which is also known as your structure. The Other major coverage or protection that your homeowner’s policy provides is your contents coverage. This is all of your personal belongings, furnishings and other things inside your home.

Should you have a claim the insurance company will gauge your covered loss in one or two ways, either by Actual Cash Value {ACV} or Replacement Cost.

The Difference:
An actual cash value claim does take and will calculate a deduction for deprecation. A Replacement Cost Contents endorsement on your homeowner’s coverage will not take depreciation. So the cost to replace that new sofa, table, television, furniture or other items damaged by a covered loss, will be fully replaced up to your policy limit. It does not matter if it was bought yesterday or a few years ago. You will be able to replace your covered items with a new same like kind and quality item.

While there is a small expense to add Replacement Cost Coverage to your contents, the additional protection could and will be be important at the time of a loss. Remember the only difference between actual cash value and replacement cost will be the deduction for deprecation. Both are based on what it would cost to replace the damage item or items at today’s cost or value.

Please give your Allan M. Walker account manager a call for more information and what the actual cost would be to add Replacement Cost Contents to your homeowner’s policy today.

Add a comment

Risky Behavior While Driving!!

05.10.16

Well that got your attention!

However the kind of behavior I am talking about results in crashes…
About 87 percent of drivers engaged in at least one risky behavior while behind the wheel during a 30-day span, according to research conducted by the AAA Foundation for Traffic Safety last year. These unsafe behaviors included driving while distracted, impaired or drowsy, speeding, running red lights or not wearing a seat belt.

These disturbing results come as nearly 33,000 Americans died in car crashes in 2014, with a 9 percent increase in deaths for 2015. The research found that 1 in 3 drivers has had a friend or relative seriously injured or killed in a crash. Here are some of the common unsafe behaviors: Distracted driving More than 2 in 3 drivers (70 percent) reported talking on a cellphone while driving within 30 days.

Nearly 1 in 3 drivers (31 percent) reported doing this fairly often or regularly. More than 2 in 5 drivers (42 percent) admitted to reading a text message or email while driving, while 12 percent report doing this fairly often or regularly. Nearly 1 in 3 drivers (32 percent) admitted to typing or sending a text or email, while 8 percent said they do so fairly often or regularly.

Speeding, Nearly half of all drivers (48 percent) reported going 15 mph over the speed limit on a highway in the past month, while 15 percent admitted doing so fairly often or regularly. Previous research by NHTSA estimates that speed plays a factor in nearly 10,000 deaths per year.

Drowsy driving, Nearly 1 in 3 drivers (32 percent) said they had driven when they were so tired they had a hard time keeping their eyes open. Previous research by the AAA Foundation estimated that drowsy driving is a factor in 328,000 crashes annually.

Running red lights, More than 1 in 3 drivers (39 percent) admitted to having driven through a light that had just turned red when they could have stopped safely. About 1 in 4 drivers (26 percent) reported doing this more than once during that time.

Seat belt use, Nearly 1 in 5 drivers (18 percent) reported driving without a seat belt, and more than 1 in 7 (15 percent) admitted to doing this more than once. Previous research by NHTSA estimated that nearly half of all vehicle occupants who died in a crash in 2013 were unrestrained at the time of the crash.

Impaired driving More than 1 in 8 motorists (13 percent) reported driving when their alcohol level was near or over the legal limit within the past 12 months. About 9 percent of drivers reported doing this more than once in the past year. The survey results are part of the AAA Foundation’s annual Traffic Safety Culture Index, which identifies attitudes and behaviors related to driver safety. The survey data is from a sample of 2,442 licensed drivers ages 16 and older who reported driving in the past 30 days. Article from AAA Horizons– May 2016

Add a comment

Hey I Just Got my Car Insurance in 15 minutes or less!! Isn’t That Great!!!! Well is it?…..

04.26.16

We all see the commercials on TV or hear them on the radio. Pick your own coverage’s, name your price, it’s easy. Well is it really? Did you see the fine print? Some even say savings not in available in Mass.

What is really important is that you are protected the way you should be. Can that be done in 15 minutes or less? I am not entirely sure it can be.

When you bought your car I would bet you spent way more than 15 minutes researching what model would be best. What options it had, the safety features, the gas mileage and what color you would look best in!

Is that policy a six month policy? Or is a full year auto insurance policy like the ones Allan M. Walker provides? No surprises from us six months down the road. We are committed to delivering a WOW experience and taking the time to really hear what you are saying.

Protection and security is what is important when you purchase auto insurance. There is a lot riding on your decisions when you do buy insurance. What you really are buying is protection. For you, your family, your new car and for anyone else who rides along with you in your vehicle.

Do you really feel comfortable making that decision in 15 minutes or less? Are you really protected? Do you have the right coverage?

Allan M. Walker is an Independent Agency located with real local people who know the area. We can offer you more than just one company, the beauty of an independent agency is that we have several companies to choose from, and find the right fit just for you.

Yes, we also have all those discounts you see and hear about. See how they all can reduce your premium and how they actually work by talking with us.

  • Accident forgiveness
  • Auto Loan/Lease Gap Endorsements
  • Disappearing Deductibles,,,Nice !
  • Students Discounts
  • Loyalty Discounts
  • Go Green and Save Discounts by Signing Up To Be An e-Customer
  • Hybrid Vehicle Discount
  • Multi-Policy Discounts
  • Home and Auto Discounts
  • We Even Have Pet Coverage!
  • And More…..

Can you see why it is to your advantage to talk with a Allan M. Walker Insurance professional?

As we always say “Avoiding accidents is not promised to you or anyone else”. So, don’t delay. Be prepared for life’s misfortunes call or e-mail one of our personal or commercial account managers today.

Have a conversation that important conversation on how we can protect you. It just may take more than 15 minutes, however it just may be one of the best investments of time that you can make.

Add a comment

Spring Has Sprung, But It Is Still Snowing!

03.21.16

Even though this winter was nothing like last years (and thankfully so!), a couple of warm days and the anticipation begins!

The Spring Clean UP!

This past winter also brought to us lots of wind. The kind that weakens tree limbs, dropped several branches and as a result added to that ever to do list of spring clean up.

Since we won’t be waiting to just about summer for this years snow melt we all can get a jump on our clean up. With the goal in mind if we start now we will have more time to do whatever it is we enjoy this summer!

As you take a look around your property, note the things you can do yourself. If something is beyond your expertise, don’t be afraid to call in a professional! There’s no need to speed summer trying to heal up from an injury. If your planning a home improvement project like a deck, an addition or an interior project give us a call or email so we can check your homeowner’s.

Some extremely important items to check are your smoke and carbon monoxide detectors. Be sure they have fresh batteries and test them by pressing the test buttons. Replace any that do not work properly.

Since we did not get much snow this year this does not mean we will not have rain. This is an opportune time to check your sump pump. Over the winter. or any length of time, check your pump pit where the water collects to be sure it is moving correctly. If it is moving slow it may be blocked or may have some debris preventing it from working as it should. Make sure the pump is cleaned often to keep that water moving.

Take a walk around your yard and visually inspect your roof. If you see that over the winter some shingles are missing or came lose, call a roofing pro to help prevent any possible damage.

We all want that HGTV yard or that nice green lush grass like we see on TV at Fenway Park! If you have plans to do lawn repairs like me, I was talking with a person at a home improvement store and they suggested late spring as the time to get out there and do it! A little repair work before the heat of the summer kicks in will give the new grass an opportunity to take hold for the season.

Well quite frankly we all know what we need to do! So gather up the family, the neighbors, your brothers or sisters that owe you one and try to get at least a few of the projects done! Enjoy your spring and you know around here that could mean just one day!

Have a great spring and a better summer!

Add a comment

Well, It Finally Happened – Google Had An Accident!

03.03.16

Well, possibly not quite an accident that you were thinking! You see their self driving car was in an accident. After logging over a million miles this car hit a BUS! To Google’s credit and after being in 17 other accidents this was the first time that they were found at fault.

So, What Happened?

This particular car was testing on the streets of Mountain View, California, when it struck a bus going not more than two miles per hour. According to the report this incident was the result of road conditions that were compromised by the placement of sand bags within the lane and the result of this caused the car to go into the left lane.

As the municipal bus was approaching in that lane traveling at 15 miles per hour. The Google car anticipated that the bus would slow down, while the bus driver thought that when the Google car saw the bus it would retreat back into the other lane.

Well, the case for a human driver can still be made as Google was found at fault for this accident. There were no injuries thankfully and the only real damage was to the front left of the Google Lexus SUV front fender and some of its sensors as the computer driven car drove on.

In all of its previous accidents, the majority were the result of human drivers rear-ending the Google cars. I like to tell my teen drivers at home to leave at least 4 car lengths between the two of you! Anyway, the greater part of Google’s accidents have been at intersections where the driver behind them thought that the Google car would drive on through the intersection but did not and rear-ended them.

Google did acknowledge that their computer driven vehicle did make the wrong decision. It also hints at the guess work or decision making process that does go on between the human drivers. Google’s tests are always conducted with the legally mandated safety drivers. Sometimes they do take over control of the test vehicle however this not the case in this accident.

Even still, I think this is something that is coming down the road how soon time is yet to tell. It will be interesting to see what happens within the auto insurance industry. According to a 2015 article by Forbes, the need for liability, regulation, underwriting and repair costs will all still be a factor. The article about the Google Lexus was from USA Today on March 1,2016.

So to quote one of the famous Doors songs Roadhouse Blues, “Keep your eyes on the road and your hands upon the wheel”!

Take care all, and safe driving!

Add a comment

Tips and Tricks To Make Your Housecleaning Project Quick and Painless!

09.21.15

It would be great to be able to enjoy a get-together with your friends and family without worrying about tripping over dirty laundry and twisting an ankle. If you are feeling a little overwhelmed by all of the housecleaning that you need to do, it is time for you to learn some simple tips and tricks that will help you knock out housecleaning in just a few hours. Keep reading for pointers on how to make easy work out of such a boring chore.

Warm Weather Cleaning Tips

When the weather is warm, housecleaning becomes a very daunting task. However, by sticking to a few seasonal tips, your home will be clean and presentable in no time at all.

Windows and glass doors are more prone to buildup of pollen and debris in the summer months than any other time of year. Since this is the first thing your guests will see, you want to be sure they are clean. Using old newspaper for drying glass is not only better for the environment, but also leaves you with a streak-free shine.

Your patio and outdoor furniture will need more cleaning in the summertime. Abrasive chemicals can harm your furniture, so it is best to scrub debris away with warm soapy water and a sponge.

It is time to wash and store all those thick comforters and warm blankets that you used to keep cozy in the winter. Properly storing these items will reduce harmful bacteria in your home and help keep things organized as well.

If you have been using the AC through the summer months, you will need to make sure your air conditioning vents are clean. You should also replace your unit’s filters, because they will have been filled with dust, pollen and other small debris during the summer. This will reduce the spread of allergens to make sure your family stays healthy all year long.

More than during any other time of year, dust will have built up during the summer. Therefore, you will want to dust often, making sure to clean the tops of your appliances and cabinets. After all, a clean home is free of dust.

Save Time

It is possible to get all the major housecleaning tasks done in as little as two hours a day. Below is a step-by-step process that many of us have used!

  • Start by throwing a load of laundry in the washer.
  • Quickly move through the rooms of your home picking up any trash and putting items in their place.
  • Toss the trash and load the dishwasher before moving the clothes to the drying and putting in another load.
  • Sweep the kitchen and wipe down the countertops, then squirt a little toilet cleaner in all of toilets.
  • Spot clean your main windows, glass doors and windows, dust the main rooms and vacuum the high traffic areas.
  • Wipe down the sinks, toilets and tubs, then change the towels before you switch the second load of laundry to the dryer and fold the first load.
  • Set a timer to make sure you stay focused and do not spend too much time on any one task.

Finally, take advantage of the kids being out of school for the next couple of months by getting them involved in the housecleaning. Give them small tasks to complete every couple of days that are appropriate to their ages, such as changing the linens on their beds or vacuuming the family room. This will keep your home clean while teaching your kids a little responsibility at the same time. With everyone in the family doing their part, your home will be presentable for all guests and leave you with plenty of time to relax in a clean house with the ones you love.

Add a comment

Are You Planning Home Improvement Projects?

09.17.15

It does not matter if you have purchased a home that is newly built or a fixer-upper, a time will come with you get the urge to make some home improvements. Start with the things that you can do that will add to the value of your home. Take on the quick projects and simple changes around your home first. Next, decide if you will be doing the work on your own or hiring a professional. However, perhaps the most important step is notifying your insurance agent of any home improvements to your house.

If you are planning to add a new room to your home or make some other improvements, you will most likely need to update your home insurance policy. This is the best way to make certain that any new additions or improvements are adequately covered. In addition, you will also need to make sure that you are protected against liability by ensuring that any workers you hire to perform renovations on your home are properly covered as well.

Before you begin any construction, you need to get in touch with your insurance agent to increase your current coverage and make certain the new changes to your home are reflected in your policy. Your agent will be able to help you decide on just how much additional coverage you need to purchase as well as any extended liability or other insurance products your plans may require. In addition, it is a good idea to keep your insurance agent well-informed on the progress of your remodeling project, just in case you alter your plans along the way and your need for coverage changes.

Avoiding Liability

Prior to hiring a general contractor to work on remodeling your home, you will want to request a copy of their workers compensation policy. If they do not have any insurance or the coverage that they do have is not sufficient, you could find yourself in financial trouble in the event that a worker or subcontractor is injured over the course of the job.

This means that you could be held legally responsible for paying the cost of their medical and rehabilitation expenses. In order to protect yourself from a situations such as this, you may need to invest in more liability coverage by increasing the limits on your home insurance policy.

Other Insurance Concerns

Be sure that your contractor has general liability insurance. This will provide coverage against omissions or negligence that could lead to injuries or damages to your property. You should also check if your contractor has builders risk insurance as well. This will cover any damages to your home or building materials, even if they have not been installed yet.

Update Your Replacement Value

Once your remodeling project is complete, the value of your home will increase. Therefore, you will need to talk to your insurance agent and have the replacement value of your home recalculated. Then, you will be able to adjust your home insurance coverage accordingly. In addition, you may also need to increase the amount of coverage that you have for your personal possessions if any new items, such as electronics or furniture, were purchased as a part of your home improvements.

Add a comment