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July - 2010
friends
Personal Perspectives
from Mason & Mason
Greetings!
 

Don't you love the way we are all so uniquely gifted? Each of us has something we're good at. Maybe you're a singer, or fabulous with facts and figures. Maybe you can grill a mean steak. Whatever it is, it's yours. You own it.

 

Me? I knit. To say that I'm passionate about knitting is an understatement. I don't just do it in the winter when I'm stir crazy... I knit ALL the time (even at the beach!). For me, there's something magical about taking a pair of needles and some string and being able to create something that's useful - even beautiful - out of raw materials. I love experimenting withCompany Banner different textures and colors of yarns (and ribbons, and beads, and sliced up bedsheets, and discarded curtain sheers... and... and...) and playing with different patterns and variations of stitches. I am rarely found without a bag holding my current "stash", and while many people wouldn't dream of doing these two things at once, I often am a better listener with needles in my hands. Fiber and fingers combine and the only limit to what they can weave together is my imagination. What others find frustrating, I consider freeing. I'm passionate about it. And I'm good at it (at least that's what they tell me). It's my thing.

 

I will often come into work dragging along my current "project" (I did tell you I'm rarely found without my stash, right?) and the first thing I do before punching in is to spill its contents out on my friend Pat's desk. I can't help it... I'm excited to share it with her! She oohs and aahs over the latest piece (thank you, Patty!), and insists she would never have the patience for it. I assure her she would, and I'd be more than willing to get her there... but the truth is she may never love knitting the way I do. I can look at a heap of wool and picture in my mind how it will all look as I shape it into what I need, but Pat isn't quite so visionary when it comes to the knitty gritty of it (sorry - that was bad). It's just not her thing.

 

But I'll tell you what IS one of her things (and there are many!). This woman knows insurance like nobody's business. She can look at a policy that it would take me weeks to decipher and she knows exactly what's in it... what it will cost... what it will cover... how it will work. She can view all the different components of a risk management package and tell you exactly how it all functions together. If you have a claim, Pat works magic as your advocate, pouring everything she has into seeing that you receive the compensation you deserve. She knows insurance. She understands it (and I think she even LIKES it!). She just GETS it. It's her thing.

 

And our office is filled with people who get it... and who get you. No matter what your thing is, it's important to you, and it's worth protecting. Let us worry about the details, so you can focus on your passion.

 

What's YOUR thing? Stop by our Facebook page and let us know!

 Heather Clement
 
Heather Clement
Mason & Mason Insurance
M&M Assurance Group
 
 
P.S. Don't forget to check out our website at www.mmins.com. Click the "Clients" tab at the top of the page and gain entry to the site with username: "Client" and password: "INFO4U". You'll find a Home & Auto section designed with you in mind! Let us know what you think. :)
Check Insurance Coverage Before Diving Into Your New Pool

Swimming Pool

You're having a new pool installed in your backyard, and you can't wait to dive into a summer of swimming fun. Of course, you might be so busy buying water wings, noodles and floats that you forgot to take care of one very important detail: Your insurance. Now is the time to take a close look at your Homeowners policy to see if you have sufficient coverage for your new pool. Your first step should be to give one of our insurance agents a call right away and let us know you have a new pool. If you neglect to inform us of this important fact, it could cause problems down the road if someone is injured in your pool. Here are a few insurance facts to keep in mind as you get ready for your pool opening:

Your pool is separate from your home. Homeowners insurance generally provides coverage for damages to your home and "other structures" on the premises. As far as your insurance company is concerned, your pool is considered a separate entity from your house - which means...


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In This Issue
Dive In! (pool insurance)
Condo Owners Policy
RV - R U Covered?
Our Family is Growing...
We're shifting some things around at M&M, and we'd like to share some important news with you.
 
After many years of professional service to our Personal Insurance customers, Julie Turner has decided to leave the agency on July 31st to be able to spend more time with her family. We are certainly grateful for all the contributions she has made in various roles, and wish her the best as she moves on.
 
While losing Julie is sad for us, we are excited to announce that another long-time employee, Christine Zuendt, will be stepping into Julie's shoes and taking over the Personal Lines department in Whitman. Christine has been a licensed MA agent for years, providing the highest level of consultative, knowledgeable support to our business clients, and we are sure she will bring that commitment to our Personal Insurance clients as well.
 
If you speak with Julie in the next few weeks, please wish her the best. When you contact us with any questions about your policies after that, please welcome Christine who will be happy to assist you in any way.
 
We'd also like to welcome two new team members to our Commercial
Lines department.  Linda Hollstein will be taking over for Christine, and Gretchen Houghton will be joining our team as well, writing new business in Commercial Lines. Linda has several years of experience in the insurance industry, and will do a fine job of picking up where Christine left off, and we're excited at the opportunity to expand our business division by 
hiring Gretchen also.
 
We're pleased to have such a diverse and talented group of individuals to meet the needs of our clients. We're sure that you'll be pleased as well. :)
 
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Think Again if You Believe Condo Owners Don't Need Insurance...
 CondoIf you own a condominium, you might think you don't need insurance protection. Think again. Although your condominium association offers a "master" insurance policy that covers the building and commonly owned property, this insurance probably does not protect your upgrades, furnishings, and other belongings. That means if a burglar breaks into your condo, a fire causes smoke damage to interior walls of your unit, or a visitor falls and hurts himself inside your home, you will not be covered by your condominium's general insurance policy. This is exactly why you need your own condo owner's policy. This personal coverage could protect you in the event of theft, damage, and personal liability situations.

Every condo is different. Before you purchase condo insurance, you should find out exactly what is covered by your condominium association's master policy. Generally, these policies cover only the structure of the building, but it varies depending on your state and particular condominium. It's important to do your homework and find out exactly what is and is not covered so you can make sure your personal policy covers the rest (we can help you with that if you provide us with a copy of your condo documents).

What kind of coverage do you need? The type of coverage you need greatly depends on your unique situation. However, you'll definitely want to protect yourself against...

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Summer Adventures? Make Sure Your RV is Covered!

RV

Whether you drive 600 miles a year in your RV (recreational vehicle) or 6,000, you need to have suitable insurance protection before hitting the road. Because insurance policies tailored to the needs of motor homes, recreational vehicles, fifth-wheels and/or travel trailers vary from state-to-state and policy-to-policy, it is important to insure your RV with at least the basics.

Most insurance specialists agree that Comprehensive coverage is a must, as it covers most direct, sudden, and accidental losses including those caused by collision, theft, vandalism, fire, smoke, landslide, windstorm, lightning and hail. You might also want coverage for RV awnings, satellite dishes, and other accessories. There are even policies that cover emergency expenses, including lodging or travel expenses home if the RV is damaged or destroyed by a covered loss while more than 50 miles away from home.

Look for an insurance policy that provides... 

 

Thank you for taking the time to read this month's newsletter! Did something in this month's issue address a question you may have had? Was there one article in particular that you found useful? Let us know! We value your opinion, and your feedback helps us to ensure that we keep bringing you content you find helpful and relevant. Share your thoughts!
 
Thanks again,
 
Heather Clement
Mason & Mason Insurance
M&M Assurance Group
 
Mason & Mason Insurance Agency                                          M&M Assurance Group
458 South Avenue                                                                           3304 White Mountain Highway
Whitman, MA 02382                                                                         North Conway, NH 03860
T (800) 759-1452                                                                             T (800) 298-0802
F (781) 447-2832                                                                             F (603) 356-9290