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  • Nov  07  2019

    5 Essential Insurance Coverages: Earthquake Coverage

    What is Earthquake Coverage? The Earthquake endorsement “buys back” coverage for earth movement — which is excluded from the standard homeowners policy. Earthquakes can cause extremely costly damages to your home from weakening the structural integrity to the outright destruction of your dwelling. A typical deductible would be 5%. That is, 5% of the dwelling…

  • Oct  17  2019

    Halloween Safety Tips

    Halloween is a fun time of year — full of little ghosts and goblins skipping through neighborhoods to get their yearly haul of candy. Here at Bearingstar, we know how important it is to make sure your kids are having a safe and happy Trick-or-Treat experience. Protect your kids by following the below safety tips…

  • Sep  30  2019

    Tips For Keeping Your Personal Information Safe Online

    Online shopping is more popular than ever with almost 12% of all retail being conducted online. The convenience and unlimited variety when shopping online is unmatched; however, online shopping can put you at an increased risk for identity theft and cyber fraud. Here at Bearingstar, your safety is our number one priority — and that…

  • Sep  25  2019

    5 Essential Insurance Coverages: Flood Insurance

    What is Flood Insurance? Flood insurance covers damages (subject to exclusions) incurred due to flooding. The coverage provided by a flood insurance policy is nuanced and has many exclusions and conditions so it is important to talk with an experienced agent to understand this type of coverage.  It is important to note that flood damage…

  • Sep  11  2019

    5 Essential Insurance Coverages: Umbrella Insurance

    What is Umbrella Insurance? Umbrella Insurance provides excess liability coverage beyond that which is provided by your personal home, auto, and watercraft policies. An umbrella gives you peace of mind knowing that you’re covered well beyond your underlying policy. “Would you like there to be additional coverage available once the liability limits of your home,…

  • Sep  10  2019

    5 Essential Insurance Coverages: Higher Auto Liability Limits

    What are Auto Liability limits? Liability coverage pays for bodily injury or property damage you become responsible for as a result of a car accident/incident. Liability limits are usually shown as three numbers, referring to the most your insurer will pay for an accident you cause. A common policy structure is 250/500/100, which covers up…

  • Jul  15  2019

    Tips For Keeping Your Pets Safe During the Summer Months

    Spending time outside with your four-legged friends is one of the best parts of summer in New England! However, the summer heat can be extremely dangerous for pets — even more so than it is for humans. Pets are especially sensitive to heat and humidity and can overheat and become dehydrated much more quickly than…

  • Jun  28  2019

    Tips and Insights for Summer Hosting

    It’s finally everyone’s favorite time of year in New England — summer! There’s nothing quite like a backyard BBQ or pool party with friends and family this time of year. Here at Bearingstar Insurance, we love enjoying our backyards with loved ones, which is why we’ve put together the following collection of tips, insights, and…

  • Jun  19  2019

    Preparing Your Home For Your Next Vacation

    Planning a getaway this summer? We get it. It’s been a long winter and an exceptionally rainy spring — and now you’re craving some sunshine. Just don’t forget to make sure your home is prepared for your absence. There are a few things that homeowners often overlook as they get ready for a vacation; which…

  • Jun  04  2019

    Checking-In On Your Insurance Policies

    Life can change fast — sometimes a lot faster than you anticipate, and while these changes are often exciting, it’s important to make sure your insurance policies are keeping up with you! Things like getting a new car, renting your first apartment, buying a home, getting married, having children, starting a business, or retiring all…

  • May  07  2019

    5 Scenarios Where You Should Consider Umbrella Insurance

    At Bearingstar Insurance, we believe that insurance is more than just a piece of paper, it’s peace of mind — and an umbrella insurance policy can offer just that by providing additional liability coverage beyond the limits of your home or auto insurance policies. While we’ve already covered the basics about umbrella insurance in our blog,…

  • Apr  26  2019

    Tips and Insights For Your New Driver

    It may seem like just yesterday that you were dropping your little one off at school, and now they’re asking for the keys to drive themselves. As a parent, putting a new driver on the road can be equally nerve wracking as it is exciting, which is why we’ve put together the following list of…

  • Apr  19  2019

    Home Inventory Guide — Why You Need One and How to Get Started

    It’s officially spring cleaning season! Here at Bearingstar Insurance, we think this is also a great time to make or update your home inventory. Not sure why you need one? A home inventory is a great resource to share with your local insurance agent. A comprehensive home inventory will help your agent ensure you have…

  • Mar  11  2019

    Life Insurance Tips and Insights

    Considering life insurance for the first time? As life progresses, more people and things can become financially dependent on you, like a spouse, children, properties, or a business. While these developments are exciting, they also become responsibilities — making life insurance truly important, regardless of your stage of life. Whether you’re single, married, a parent, or…

  • Feb  19  2019

    Emergency Car Kit Guide

    Whether it’s your commute, a weekend getaway, or simply a quick trip to run a few errands, getting stranded on the side of the road is never a part of the plan. Unfortunately, it does happen — and while there are plenty of services that offer roadside assistance, having an emergency car kit is an easy…

  • Feb  06  2019

    10 Tips to Help You Shovel Safer This Winter

    Like it or not, shoveling snow is a part of life for New Englanders in the winter. While it may seem like an inconvenience, keeping walkways clear of snow and ice is imperative to minimizing the risk of a slip and fall or other injury. It’s important, however, to remember that shoveling can put quite…

  • Jan  28  2019

    Preventing Slips and Falls in the Workplace

    Aside from the colder temperatures, winter also brings along snow, icy surfaces, and slippery floors — which can all lead to a workplace accident. Understanding the risks of workplace injuries, which are heightened during winter months, is important to maintaining a safe environment for your employees, customers, and any other visitors to your business. Here…

  • Jan  22  2019

    Insuring Your Valuables

    How to Properly Insure Your Valuables The start of the New Year is a great time to take stock of your plans and goals, but also of your personal belongings and insurance coverages — especially if you received any lavish gifts or made any big purchases over the holiday season. Here at Bearingstar Insurance, we…

  • Jan  09  2019

    The Bearingstar Guide to Winter Home Maintenance

    With winter winds and snow storms just around the corner, you’re likely getting ready to spend a lot more time cozied up inside your home. While winter can be a relaxing season, it also poses a number of potential threats to your home. Here at Bearingstar Insurance, we want to make sure your family is…

  • Nov  26  2018

    Bearingstar Charitable Fund — A Year In Review 2018

    Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…

  • Nov  26  2018

    Cyber Security Tips for Individuals

    Hacking, phishing and malware incidents are becoming more common in today’s tech-focused world. As cyber criminals continue to find new ways to gain access to your private information, it’s imperative for consumers to do everything they can to protect themselves online. Here at Bearingstar Insurance, we want to educate our customers on the critically important…

  • Nov  18  2018

    A Guide to Holiday Hosting

    The holiday season is fast approaching and whether you’re hosting Friendsgiving, your family’s annual Yankee Swap, or the countdown to the New Year, your celebration should be all about family and friends. Here at Bearingstar Insurance, we are all too familiar with how a gathering can quickly go sour, which is why we’re offering a…

  • Nov  15  2018

    Changing Insurance Rates

    Have you noticed changes in your insurance premiums? Insurance premiums can increase or decrease annually based on several different factors. These factors can be personal, like if you undergo a major home renovation or add a teen driver to your car insurance policy, or external, like technological advancements or economic changes in the world around…

  • Oct  25  2018

    Cyber Security Practices for Businesses

    In a world where everything is interconnected, implementing effective cyber security measures is more important now than ever before. According to the FBI, there are more than 4,000 ransomware attacks globally every day. As your commercial insurance partner, Bearingstar Insurance is here to help shield your business from these emerging threats. Our goal is to…

  • Sep  28  2018

    What to Do After a Car Accident

    Picture this: It’s a hectic Monday morning and even though you’ve rushed to get the kids dressed and ready to leave the house, you’re still late to get them to school. They start arguing in the backseat, and when you turn around to tell them to stop, you don’t see the car ahead of you…

  • Sep  19  2018

    Disaster Preparedness for Homeowners

    Homeowners in New England should be prepared for all types of disasters. From house fires to hurricanes and tornadoes, disasters can strike without warning, which is why it’s critical to start preparing today. Here at Bearingstar Insurance, we have witnessed first hand the emotional and financial toll the unexpected can have on homeowners. Therefore, we’re…

  • Sep  04  2018

    Electronic Funds Transfer: An Easy Solution To Paying Your Bill

    Picture this — you’re enjoying the company of friends and family on vacation when you remember the unpaid insurance bill still sitting on your kitchen counter. Or maybe your insurance bill got lost in the chaos of hosting 30 friends and family members at your home for Thanksgiving … do these scenarios sound familiar? With…

  • Aug  22  2018

    College Students and Insurance

    Are you shopping for binders, notebooks, and highlighters? That could only mean one thing — summer is winding down and it’s time to send your kids back to school! Whether you’re sending your teenager off to college for the first time or they’re a returning upperclassman, we know there are a lot of things on…

  • Aug  07  2018

    10 Tips To Make Your Next Move Better

    Are you planning a big move? Here at Bearingstar Insurance, we understand how stressful moving can be. We believe, however, that being prepared can make all the difference. The more time you give yourself and the more organized you are, the less you’ll have to worry about on moving day. To help you achieve this,…

  • Aug  03  2018

    Summer Safety Guide

    Summer is in full swing, time to get out and enjoy the warm weather and longer days! Between all of the beach days and BBQ’s, we unfortunately know that summer also brings with it many unique risks. Here at Bearingstar Insurance, we want to help you keep your summer fun and safe, which is why…

  • Jul  02  2018

    Understanding Rental Car Insurance

    When it comes to renting a car, there seems to be a lot of uncertainty around whether or not you should purchase rental car insurance from the rental car agency. Here at Bearingstar Insurance, we want to help you feel confident in your decision, which is why we’re offering up a few tips and insights…

  • Jun  22  2018

    Marriage and Insurance — How to Protect Your New Life

    Have you recently gotten married or engaged? If so, congratulations! This is a huge milestone and one to definitely be celebrated. At the same time, we also know that planning a wedding is a big undertaking, and that there is likely already a lot on your plate. Making arrangements for your wedding, planning your honeymoon,…

  • May  25  2018

    Grilling Safety Tips

    Summer is here — time to fire up the grill! While we know that summer cookouts can be a great way to gather friends and family, we also know that they pose serious fire risks if not done properly. According to the National Fire Protection Association, firefighters respond to an average of 9,600 home fires involving…

  • May  18  2018

    Renters: Bundle and Save with Carpartment Insurance

    For most drivers, car insurance is a no-brainer. Not only is it required by law in most states, like Massachusetts and Connecticut, it also just makes sense to protect yourself financially and legally in case of a car accident. But what about renters insurance? Many renters incorrectly believe that they don’t need insurance. Maybe you…

  • Apr  30  2018

    3 Tips to Eliminate Distracted Driving at Work

    Did you know that according to the CDC, motor vehicle crashes are the number 1 cause of work-related deaths in the US? Unfortunately, rates of distracted driving and subsequent accidents and fatalities have risen over the last few years. The National Safety Council reports that work-related motor vehicle crashes accounted for more than 40,000 deaths…

  • Apr  13  2018

    Distracted Driving — Why It’s Dangerous And How To Avoid It

    Did you know that April is officially Distracted Driving Awareness Month? Here at Bearingstar Insurance, we understand that distractions happen while driving, but we also know that it’s important to stay focused on the road, no matter what. This is especially true for parents — remember, you’re setting the example for future drivers! Whether you’re…

  • Mar  29  2018

    Spring Safe Driving Tips

    We did it — spring is finally here! After being cooped up in the house all winter, we’re sure you’re ready to enjoy all that New England has to offer. But before you hit the road, it’s important to think about the unique hazards that spring presents for drivers. We want to help you enjoy spring…

  • Mar  08  2018

    Female Leaders at Bearingstar — A Special Women’s History Month Series

    Happy International Women’s Day! In honor of this special day, we’re excited to share a new Women’s History Month series featuring a few of the amazing female leaders we’re lucky to have as a part of our Bearingstar Insurance family — to kick things off, we’d like to introduce you to our Chief Operating Officer, Kim…

  • Mar  01  2018

    Spring Home Maintenance Projects To Tackle Now

    We made it; spring is right around the corner — time to say goodbye to arctic blasts and bomb cyclones and hello to beach days, picnics, and other outdoor adventures! While you may be thinking about fun in the sun, here at Bearingstar Insurance, we’re thinking ahead to all of the important home maintenance projects…

  • Feb  27  2018

    Umbrella Insurance — The Added Liability Protection You Didn’t Know You Needed

    If you could get up to one million dollars in extra liability protection from $5 per week, would you? If you answered yes, then you’re in luck because that’s exactly what umbrella insurance can offer you! Let’s start with the basics — what is umbrella insurance? An umbrella insurance policy is an extra layer of liability…

  • Feb  27  2018

    Bearingstar Insurance Charitable Fund – Year In Review 2017

    Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…

  • Dec  18  2017

    Are Smart Homes Safer Homes….Or Not? The Answer To This Question Might Affect What You Pay For Homeowners Insurance – Part III

    In Part I of this three-part blog series on smart technology for the home, we posed the question, “Are You Smarter Than Your House?” By the end of 2017, nearly 12% of homeowners may not be – as that is the number of households that HIS Markit estimates will be laden with connected home devices…

  • Dec  11  2017

    Are Smart Homes Safer Homes….Or Not? The Answer To This Question Might Affect What You Pay For Homeowners Insurance – Part II

    In Part I of this three-part blog series on smart technology for the home, we posed the question, “Are You Smarter Than Your House?” By the end of 2017, nearly 12% of homeowners may not be – as that is the number of households that HIS Markit estimates will be laden with connected home devices…

  • Dec  04  2017

    Are Smart Homes Safer Homes….Or Not? The Answer To This Question Might Affect What You Pay For Homeowners Insurance

    In 2010, according to IHS Markit, only 0.5% of homes in the U.S. had connected home devices such as thermostats, lighting, security, and entertainment. By the end of 2017, IHS estimates that nearly 12% of households will have connected home devices, with an average of six devices per home. At Bearingstar Insurance, we have seen…

  • Nov  16  2017

    Buying A Home? What You Need To Know About Homeowners Insurance

    Our last Bearingstar Insurance blog addressed some of the most important things that a homeowner should know about their homeowners insurance if they are selling their home. Now, we want to turn our attention to those of you who are in the process of buying a home. If this is your first time going through the…

  • Sep  25  2017

    Selling Your Home? What You Need To Know About Your Homeowners Insurance

    Are you trying to decide if now is the right time to be selling your home? Well, it is true that not many business sectors can claim to have rebounded more successfully over the past several years than the real estate market has. In 2012, housing prices across the U.S. hit rock bottom. Now, just…

  • Aug  28  2017

    Why Auto Rates Appear To Be Rising

    As a member of the Arbella Insurance Group, Bearingstar Insurance has the opportunity to provide you great coverage from a local carrier. It also allows us utilize their experience when it comes to keeping you informed on industry trends. We recently spoke with Erin Schaaf, Arbella’s assistant vice president of Personal Lines Product, about rising…

  • Aug  25  2017

    Bearingstar Charitable Fund – 2017 Update: Part 1

    Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…

  • Aug  07  2017

    Summer Home Safety Tips

    The oversized beach ball is being tossed around in the pool, the kids are playing baseball in the yard, you’re throwing one-of-a-kind Ina Garten-style cookouts on the weekends, and, being the neighborhood’s “host with the most,” you, of course, always have drinks chilling in the cooler. It’s been a long wait for these summer days,…

  • Jun  26  2017

    To Secure Your Home, You Need More Than An Alarm System! Why Life Insurance Protection Is A Great Way To Safeguard Your Investment.

    So far, in our blog series on Life Insurance, we’ve discussed the importance of securing a life insurance policy no matter what stage of life you find yourself in, including if you are single, married or have a family. We also offered specific examples of why, no matter what your age or lifestyle, life insurance…

  • Jun  19  2017

    Single, Married or Building a Family? Why Having Life Insurance Can Help Smooth The Path To Financial Security – Part 3: Life Insurance for Singles

    So far in our blog series on Life Insurance, we have discussed the importance of securing a life insurance policy if you are married or in a long-term committed relationship, and/or a parent. We also addressed some of the most commonly held misconceptions about life insurance, including the belief that it is expensive, complicated, and…

  • Jun  12  2017

    Single, Married or Building a Family? Why Having Life Insurance Can Help Smooth The Path To Financial Security – Part 2: Life Insurance For Parents

    In the first part of our blog series on Life Insurance, we discussed the importance of securing a life insurance policy if you are married or in a long-term committed relationship. We also addressed some of the most commonly held misconceptions about life insurance, which our team at Bearingstar did our very best to start…

  • Jun  05  2017

    Single, Married or Building a Family? Why Having Life Insurance Can Help Smooth The Path To Financial Security – Part 1: Life Insurance For Couples

    At Bearingstar Insurance, we passionately believe that life insurance is extremely important to have – and worth the time investigating – no matter what chapter of your life you find yourself in today. However, we understand if you are a bit cynical about this type of insurance and you would not be the only one….

  • Apr  19  2017

    April is Distracted Driving Month – It’s a Great Time to Talk to Your Teen about Distracted Driving (Again!)

    The insurance professionals at Bearingstar feel a very strong responsibility to share the facts about what could happen when you take your eyes off the road for even a second. We also want to offer our best advice to all Massachusetts and Connecticut parents and guardians with young drivers on how to avoid a dangerous…

  • Apr  10  2017

    How to Prepare Your Home When You Are Leaving Town

    Deciding to get out of town is the easy part; the planning and preparation is another story. Whether you are traveling on your own, with friends, or bringing the whole family, there are undoubtedly a lot of things to do – lists to be made, shopping to be done, and bags to be packed. Amidst…

  • Feb  10  2017

    Snow Plows, Salt Trucks and Sanders: Three Tips to Ease The Stress of Sharing The Roads With Maintenance Vehicles This Winter

    Helpful Winter Safety Tips for New England The winter season is upon us! As New Englanders we are very familiar with all the things that can make this season a bit more precarious than others. You don’t have to think that far back  to recall the damage that can be done by ice dams, record-setting snowfall,…

  • Jan  26  2017

    Bearingstar Charitable Fund – Year in Review 2016

    Established in 2012, the mission of Bearingstar Insurance Charitable Fund (“BICF”) is to engage in activities and support local nonprofit organizations that have a positive impact in the lives of people and communities that we serve. This support is achieved through the Community Gift Program of the Bearingstar Insurance Charitable Fund, a division of the…

  • Jan  23  2017

    New Car Buying Tips

    It’s Car Buying Season! Bearingstar discusses how to quickly prepare for the process with a few new car buying tips. At Bearingstar, we know that there are so many things to love about a new car – spotless interior, no dings or dents, and that new car smell. But how can you hold onto those new…

  • Dec  05  2016

    WHY YOU MAY NEED SPECIAL INSURANCE COVERAGE FOR A DRONE

    This Holiday Season We Can Expect To See More Toy Drones Take To The Skies Than Ever Before. In This Blog, Bearingstar Insurance Discusses The Potential Risks and Liabilities Of Being a Drone Owner That May Require Enhanced Insurance Coverages. Before you run out to Home Depot or click “Buy” on Amazon to purchase a…

  • Nov  21  2016

    Three Easy Steps to Defend Against a Cyber Attack. Bearingstar Cyber Security Tip #4

    When you’re feeling a little nervous in your home at night, you probably turn on the security system and double lock the doors, right? That’s precisely what Bearingstar suggests you do with anything in your office – online and offline – that might have information that could lead to a data breach at your company….

  • Nov  14  2016

    Why It’s Important to Know How Third Party Vendors Protect Your Company Information. Bearingstar Cyber Security Tip #3

    Even if you have addressed the Cyber Security recommendations #1 and #2 that Bearingstar Insurance shared with you, and your network and devices are as secure as Fort Knox, they could still be vulnerable if somewhere downstream there is a vendor with access to your company data that has not taken the necessary cyber crime…

  • Nov  07  2016

    Secure Passwords and Best Practices to Protect Your Business. Bearingstar Cyber Security Tip #2

    In our first Cyber Security Blog Post, we mentioned in tip #1 the importance of having a complex, strong password for your wire transfer system. That’s probably not the first time you’ve heard that advice. But has anyone ever fully explained to you or your employees what a powerful password actually means? Cyber Security Recommendation…

  • Oct  31  2016

    Do You Know What the “The CEO Scam” Is? Bearingstar Cyber Security Tip #1

    The Department of Homeland Security sends a clear message to business owners: You need to take charge of your company’s cyber security and work with qualified professionals to secure all devices, networks, and data. Cyber attacks are prolific these days, and, according to the FBI, widespread, sophisticated cyber crime is not just a threat at…

  • Oct  13  2016

    Helpful Safety Tips To Prevent A Cooking Fire – Fire Prevention Tips, Part 4 of 4

    It’s Fire Prevention Week! In honor of the National Fire Protection Association’s (NFPA) Fire Prevention Week, Bearingstar has created four fire safety blogs that have lots of smart ways to keep a fire-related tragedy from happening to you and your loved ones this fall and throughout the winter months. Following is the final edition of…

  • Oct  10  2016

    How Often Should You Check The Age Of Your Smoke Alarms? – Tips on Fire Prevention, Part 3 of 4

    Do You Know How Often You Should Check The Age Of Your Smoke Alarms? In honor of the National Fire Protection Association’s (NFPA) Fire Prevention Week, Bearingstar is sharing another fire safety blog that has lots of smart ways to keep a fire-related tragedy from happening to you and your loved ones this fall and throughout…

  • Oct  03  2016

    How to Prep Your Fireplace – Tips on Fire Prevention, Part 2 of 4

    Fire Prevention Week, It’s A Hot Topic Right Now! With Fire Prevention Week coming up , there’s no better time than today for us to get you ready for it. As your local community’s personal insurance experts, Bearingstar believes that proper planning helps us better protect our important clients, like you, and the people in…

  • Sep  26  2016

    How To Safely Remove Yard Waste – Tips on Fire Prevention, Part 1 of 4

    Fire Prevention Week, It’s A Hot Topic Right Now! At Bearingstar, we believe that proper planning helps us better protect valuable personal insurance clients, like you, and the important people in your life. So, with Fire Prevention Week coming up in October, there’s no better time than today for us to get you ready for…

  • Jul  20  2016

    Hurricanes: Are You Prepared?

    Please use these helpful tips to prepare your business for severe weather this hurricane season.

  • Jun  27  2016

    Put Safety First this July 4th!

    Fireworks are dangerous and can cause serious burn and eye injuries. According to the Consumer Product Safety Commission (CPSC), fireworks were involved in an estimated 10,500 injuries treated in U.S. hospital emergency departments in 2014.

  • May  31  2016

    May Newsletter from Bearingstar Insurance

    Does the warmer weather have you considering purchasing a new vehicle? Before you start shopping, we wanted to bring your attention to two important auto-related issues that you may have heard about in the news. The below articles discuss a recent airbag recall and how to protect yourself against buying a flood-damaged vehicle, information which we hope you find helpful as you begin your search for a new car.

  • Apr  26  2016

    Spring Infographic

    This handy spring infographic provides several routine spring maintenance ideas and advice to ensure that you and your family can avoid any issues with your home, letting you enjoy the nicer weather ahead.

  • Mar  29  2016

    March Newsletter from Bearingstar Insurance

    We hope that the tips in our March newsletter will help you prioritize, get things done, and check tasks off your list so you can get outside and enjoy the nice weather with your family and friends.

  • Jan  11  2016

    December Newsletter from Bearingstar Insurance

    Protect your home this winter with these smart tips to prevent damage caused by household appliances.