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Banas & Fickert Insurance Agency is here to analyze your insurance needs and recommend products and services to suit you.
This website has not been tested with the Apple Safari browser. Personal Insurance Personal Auto Homeowners Renters Condominium Owners Boats Umbrella Motorcycles Motorhomes Mobile Homes Dwelling Fire Watercraft Flood Antique Cars Business/Commercial Insurance Commercial Auto Workers Compensation Commercial Liability Commercial Property Contractors Manufacturers Retail Wholesale Professional Liability Restaurants Garage & Repair Hotel/Motel Inland Marine Bonds Business Owners Policy Commercial Umbrella Commercial Trucks Dump Trucks Long Haul Trucks Errors and Omissions Life Insurance Term Life Insurance Whole Life Universal Life Group Insurance Group Life Group Health Group Dental Bonding Court Judicial Court Fiduciary Public Official License Permit Janitorial Services Employee Dishonesty Pension/Trust (ERISA) Guarantees of Financial Performance Contract Bonds Bid Bonds Payment Bonds Peformance Bonds Maintenance Bonds Supply Bonds Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Insurance Replacement Cost Analysis of Your Home Complimentary Review of Your Liability Insurance vs. Assets Complimentary Life Insurance Needs Analysis Notary Public Andover The Andover Companies, a New England mutual insurance institution, has been providing quality insurance protection since 1828. For over a century, we have been offering our policies exclusively through independent agents. With over 1100 agents representing the Andover Companies, we are committed to professionalism and to providing competitive products tailored to meet your needs.
Quincy The Quincy Mutual Fire Insurance Company has proudly provided consumers with insurance protection for more than 150 years. Quincy Mutual is Rated A+ (superior) by A.M. Best, the leader in insurance company evaluations. We are proud to have earned that designation for more than 50 consecutive years.
Safety Safety Insurance was founded in 1979. Today, Safety is the second largest private passenger automobile carrier and the fourth largest commercial automobile carrier in Massachusetts. Safety has consistently received an "A" rating from A.M. Best.
Union Mutual/NEG Located in the Green Mountains of central Vermont and first established in 1874, the Union Mutual of Vermont Companies have been providing quality insurance products for over 130 years.
Massachusetts Registry of Motor Vehicles Massachusetts Motor Vehicle Sales/Use Tax Forms Automobile Insurers Bureau of Massachusetts Checkpoint Insurance Inspections Edmunds Car Buying Guide Kelly Blue Book Car Values Massachusetts Division of Insurance Massachusetts Division of Industrial Accidents (Workers Compensation) Insurance Information Institute (III) National Flood Insurance Program Homestead Act - Questions and Answers Life and Health Insurance Foundation for Education Gap Insurance
If you have recently purchased or are planning to purchase a new or used vehicle you may want to consider purchasing Gap Insurance. What is Gap Insurance?When you drive your new or used car off the dealer�s lot your car has most likely lost 20% of its value and you need Gap Insurance. If you put less than a 20% down payment on your car you need Gap Insurance. How does Gap Insurance Work?If your car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot different from what you still owe on your loan. Without Gap Insurance your lender will hold you responsible for paying the difference between the actual cash value and the amount left on the loan. Dealers charge between $500 and $600 for this coverage. We can offer it to you for $299 for the life of your loan up to 84 months. Leased vehicles are not eligible. Not everyone needs Gap Insurance but if you think you should have it and would like more information on how it works, please give us a call and we will be happy to discuss it with you. Why do I need a Personal Umbrella policy?
Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy. A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have. Consider the following example: One evening a 17-year old took his parent's car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million. With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected. In today's society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune - but it probably would not give you the needed protection against a catastrophic loss. What is Term Life?
A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term. Who needs Term Life?If something should happen to you, a Term Life policy could cover your mortgage or a child�s education and leave your family with financial security. How much does a Term Life policy cost?The cost of a Term Life policy will be determined by your age although it is very reasonable at any age. Identity Theft
Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner's policy to protect yourself from the high cost of restoring your name and credit. Each year millions of Americans fall victim to Identity Theft and may spend months - even years - and their hard-earned money restoring their good names and credit records. Your doors and windows may be carefully locked, but identity thieves know no bounds. For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission's Web site by clicking on: http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html What is a flood?
Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:
Residential Building Coverage Building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators. Residential Contents Coverage Contents coverage insures most of your personal property and belongings, including:
Coverage in Basements Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as:
However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents. FactsEveryone lives in a flood zone - floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.
Should you have any questions please feel free to contact our office, we will be glad to help you. Massachusetts Personal Auto Homeowners Dwelling Fire Personal Umbrella Quote Term Life Insurance Massachusetts Commercial Auto Workers Compensation A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have. To request a quote, please complete and submit a Personal Umbrella Application We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you. We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information:
We do not disclose any personal information about current or former customers to anyone, except as permitted by law. |




