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Companion Policy Discount |  |
Did you know that if you write both your home and auto insurance with us you can save up to 20% off your home policy AND get an additional discount on your auto? Ask us for a free quote! |
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Annuity Planning
Do you have a CD with a low interest rate? Right now, you can earn up to 4.25% per year, guaranteed, in a fixed annuity. Ask us for more info!
Annuity Information Request | |
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Did you know that we have been selling life and disability insurance since 1976?
Click here for a no obligation quote today! | |
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Long Term Care Insurance
Protect yourself with Long Term Care insurance. Nursing home care in MA could cost as much as $100,000 per year. Ask us for more info!
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List Of Services
- Business
- Commercial Property/Liability
- Auto
- Home
- Master Condo
- Condo-Unit
- Workers Comp
- Renters
- Dwelling / Fire
- Personal Articles
- Boat / Yacht
- Life Insurance
- Health / Dental
- Disability
- Long Term Care
- Flood
- Umbrella
- Commercial Auto
- Annuities
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Our Staff | |
We would like to recognize and thank Joanne Burke for her work at the agency over the last 27 years. We would also like to welcome our newest employee, Patty Sughrue, who joined the agency in 2010. Both Patty & Joanne are integral parts of this agency and its success.
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Need Your Taxes Done?
Ryan Financial Strategies provides accounting, tax preparation and planning to individuals and businesses.
1 Batterymarch Park
Suite #308
Quincy, MA 02169
Phone: 617-481-5470
E-mail For More Info | |
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We Have Moved!
As of December 15th, 2010 our agency has moved our office to the building next door. We are now located at 99 Rosewood Drive, Suite 111, Danvers, Massachusetts. |
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 How To Prevent Winter Freeze-Ups In Your Home
One of the negatives that come along with a cold New England winter is the increased risk of pipes freezing up and potentially bursting, which would result in damage to your home and a claim on your home insurance. Here are some steps, for people who reside in their homes in the winter months, to follow in order to prevent this from happening to you:
Before The Cold Arrives
Make sure all cracks and holes in your exterior siding have been covered and insulated to prevent pipes close by from freezing.
Check and replace washing machine hoses annually
Water heaters, safety valves and washing machines above the first floor or in a finished basement should be in a drain pan with a drain.
Be aware of where your water shut-off valves are. Test them and make sure they work annually
On An Extremely Cold Day
Keep the heat 3-4 degrees higher than normal
Leave faucets running with a constant trickle
Open cabinet doors under the sinks to let to heat help to warm the cold pipes
Insulate pipes
Any exterior faucets should be shut off from inside the house and left open.
By following these easy steps, you can avoid a winter freeze-up that can cause significant damage to your home and disruption to your life. |
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Do I Need A Unit-Owner Policy If I Have A Master Condo Policy?
Absolutely! A master condo policy does NOT cover your personal property in the condo or your personal liability coverage. Both of these are extremely important to every condo owner. Your personal property is everything that belongs to you in your condo. This includes your TV, laptop, clothing, furniture, jewelry, etc. If your condo was broken into and these items were stolen or damaged you would have no coverage unless you have a condo unit-owner policy (HO-6). You could lose everything you own if there was a fire. In addition, without this policy you have no personal liability protection. If someone were to injure themselves in your condo, and sue you, there would be no coverage.
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 How Do I Stay Safe While Driving This Winter?
As the winter approaches, motorists of New England can expect conditions such as heavy rains, snow, ice, fog, hail and wind as they travel on the roads. No matter what conditions people find themselves driving in this year, the hazards people will face generally stay the same. Some of those hazards include:
- Tires
- Exhaust system
- Lights and reflectors
- Antifreeze
- Brakes
- Windshield wipers and washer fluid
- Fuel tank level
- Mirrors
- Heating and defrosting system
So, what are some of the strategies to reduce the risk of getting into an accident this winter?
- Reduce speed
- Increase following distance
- Turn and brake carefully on slippery roads
- Turn on your lights
- Look far ahead for emerging hazards
By preparing your vehicle for the winter, driving responsibly and utilizing strategies for traveling in bad weather conditions; you can give yourself the best chance of arriving at your destination safely this year. |
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New Oil Heat Law
As of 7/1/2010, there is a new Oil Heating System Upgrade Law. If you have oil heat, please review this information and act accordingly. You can read about the new law here:
http://www.mass.gov/dep/cleanup/laws/hhsl.htm
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Recent Posts From Our Blog
01-13-2011 05:08:00 AM
Theft Prevention - How To Help Prevent A Burglary 
Project the appearance of the home being occupied at all times. Do not leave a spare house key concealed near the door. Do not label a spare house key. Do not leave ground or first floor windows open. Do not leave ladders that could grant second or third floor access outside. If on vacation, ask a neigh...
Read Full Post
01-07-2011 12:52:00 PM
5 Ways To Save On Home Insurance
Companion Policy Discount - Many companies offer a discount for having both your home and auto insurance policies with the same carrier. Sometimes this discount can be as much as 20% off of your homeowner's policy. If you have a $1,500 homeowner's insurance policy you could save an immediate $...
Read Full Post |
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Thank you for taking the time to read our newsletter. If you have any insurance questions please feel free to contact us at info@djgins.com. Don't forget to visit our website and our new blog! www.djgins.com
Sincerely,
Daniel J. Guarino Insurance Agency
99 Rosewood Drive, Danvers Ma 01923
Office: 978-777-5820
Fax: 978-777-9443
Web: www.djgins.com
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