Boston, MA
Personal Insurance
No two personal insurance plans are the same. Everyone’s needs are different. We are here to offer custom protection for your family, your home, and all of the unexpected.
Home Insurance

Protecting your most valuable possession…

Buying a home may be the biggest investment made in your lifetime and protecting what may be your largest asset is crucial.  No one can predict if your home will be struck by an unforeseen disaster but sadly, for many homeowners, this tragedy becomes a reality.  Fortunately, properly preparing for the worst, with home insurance, can help in dealing with the aftermath by providing you coverage to repair, replace or rebuild what was damaged. Options are available to even help cover much of the cost of being displaced and needing temporary housing elsewhere while repairs are being made back at home.

We represent over 15 insurance companies, each with their own specialties, niches and pricing.  Meaning we can help find a policy that is tailor made to your family’s specific needs, at the most competitive premium.

Not every home insurance policy is the same and you could literally be left out in the cold without some of the many key coverage options available, such as:

  • Replacement Cost: Many companies offer guaranteed replacement and/or extended replacement cost coverage options for your home and personal property.
  • Scheduled personal property: Most policies cap the amount of coverage provided for things like jewelry, fine arts, antiques & fire arms (to name a few), if they are lost, stolen or destroyed. These items should be specifically scheduled on your policy to ensure they are insured to their full value.
  • Liability Coverage: Adequate limits help protect your home and other assets in the event that you were to accidentally injure someone or damage their property, resulting in a lawsuit.  Additionally, we recommend supplemental liability coverage as well, via a personal liability (Umbrella) policy.
  • Flood Insurance: Many people do not realize that flood insurance is almost never covered on your standard homeowners insurance policy.  Even homes not in high risk flood zones are susceptible to the possibility of flood damage.  So it is worth exploring the cost of this separate but important coverage option.
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Auto Insurance

They’re called “accidents” for a reason…

Even the best drivers occasionally need to file a claim and we all know “accidents happen.”  However, there are many other scenarios out of your control that call for auto insurance besides an at-fault accident.  From discovering your car was the recipient of a hit and run, to it being in a flood or fire, stolen or vandalized.  Even things such as an encounter with an un/under-insured driver can result in your need to file a claim.

With all those threats looming, our goal is to provide you with the information necessary to understand all of your coverage options, before you buy.  However, we also recognize that cost is an important factor for our clients.  We work with an array of leading regional and national insurance companies and will explore all of your options to obtain coverage that makes sense, at the best price. 

Some of the most popular optional coverages include:

  • Accident Forgiveness:  Many companies now offer the ability to avoid the usual increase in premium resulting from your first at-fault accident.  If eligible, this could be your “Get Out of Jail Free Card”  
  • Towing & Roadside Assistance: Whether from an unexpected break down or flat tire, to the should-have-been-expected empty gas tank – help can be on the way.  
  • Rental Car Reimbursement:  Can you live without your car for what could be weeks of repair time after a covered claim lands your vehicle in the body shop?  Having some substitute transportation can ensure your usual commuting and travel plans aren’t interrupted after an incident. 
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Flood Insurance

For when you could have used an ark…

The majority of property owners are unaware that their existing homeowners or commercial property insurance policy will not cover their building or its contents against a flood.  For that, you need a separate flood insurance policy.  With more and more insurance companies now offering this type of coverage than ever before, navigating the market for the right policy can be daunting.  That’s where we can help.  

In certain higher risk zones, flood insurance may be required by FEMA or your mortgage lender.  However, even homes not located in areas specifically identified as “high risk” are susceptible to damage resulting from a flood.  We strongly recommend securing flood insurance to protect against heavy rainfall and flash flooding, regardless of your actual zone.

In most cases, flood Insurance cannot be purchase directly from an insurance carrier and must be obtained through an independent insurance agent, such as Ironside.  These policies typically have a 30-day waiting period before coverage will begin.  However, there are a few exceptions to this, such as purchasing a new property.

Lastly – while many lenders and loan programs require a flood policy issued by NFIP/FEMA, there are many that allow you to obtain your policy via the private market.  The latter option can result in drastic reductions in the cost of your flood insurance policy and we are here to help you explore these options for your primary and excess flood insurance needs.

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Umbrella Insurance

Protecting you from things more serious than rain…

You don’t need to have a million dollars to be sued for as much.  While no one ever expects to be on the receiving end of a lawsuit, we read or hear about this happening almost every single day it seems. 

But what happens when this occurs and your existing home, auto, boat or motorcycle policy limits aren’t enough?  That’s when your personal umbrella policy can come to the rescue.  Hovering over your other primary policies, an umbrella can kick in with the added layer of protection you need.

Although they are able to be customized to your specific needs, these highly affordable policies help protect against claims pertaining to incidents such as:

  • Bodily Injury
  • Property Damage
  • Personal Injury
  • Landlord Liability
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Builder’s Risk Insurance

If you build it, they will come…

Builder’s risk insurance is designed specifically to protect buildings and structures that are under construction, renovation or development, as well as the equipment being used for the project. Should any of these items become lost or damaged during the course of construction, the policy can replace (or provide the funds to replace) these goods.

While under construction, buildings can suffer many types of damage, including storms, fires, forceful winds, and vandalism. That, combined with the potential for third parties to sustain personal injuries while on the premises, makes investing in builder’s risk coverage more of a necessity than an option.

Our agents routinely work with countless property managers, developers and investors and specialize in the provision of builders risk and course of construction coverage.  We are here to help you implement the most appropriate coverage to protect your construction site. 

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Specialty Insurance

You’re never too old to have a favorite toy…

Insurance may be the last thing you’re thinking about when you get that new boat, motorcycle, snow mobile or ATV.  However, protecting your new purchase should be one of the first and most important steps to take before you get in the driver’s seat.  

We partner with many carriers that offer insurance for all the things that don’t end up on your home or auto policy.  If it needs insurance, we can get you covered.

 

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Life Insurance

A truly priceless asset…

Most insurance is there to help us repair or replace what was damaged.  But what if we’re talking about something truly irreplaceable? 

While a person’s unexpected passing can certainly never be fully reconciled by an insurance policy, having an adequate amount of life insurance in place can ensure that your family and loved ones can continue on with as close to the same standard of living as they had prior to your absence.            

We purchase life insurance not for ourselves but for the people we care about most.  Our licensed agents can help you through the sometimes difficult conversation of preparing for the absolute worst.  There are many types of life insurance policies available, with different terms, limits and features.  Our goal is to help you achieve the additional peace of mind and confidence that your family is prepared for even the most tragic kind of loss.

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