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    Personal Insurance Blog

    A Couple of Things about Autumn

    Posted by Gordon Atlantic Staff

    Sun, Sep 22, 2013 @ 10:58 AM

    Summer is such a nice time of year that sometimes people forget how amazing autumn is. Therefore, I've compiled a list of things about autumn to remind us all of how great the autumn season can be:

    • Enjoy autumn with personal from andrew g gordon inc insurance
      Have fun this fall with personal insurance home auto life from andrew g gordon inc
      The leaves on the trees change from a world of green into a sea of vibrant reds, oranges, yellows, and browns
    • The weather allows for shorts, jeans, dresses, skirts, short sleeves, jackets... anything you want
    • The nice "crunch" you hear when you step on a fallen leaf
    • Back to school!
    • Halloween and candy and costumes and all that spooky fun
    • Apple picking which leads to fresh apple cider, apple pie, apple crisp, applesauce, and all those other apple foods
    • Everything about Thanksgiving- the food, the family, the friends, the football- absolutely everything
    • Carving pumpkins into festive and creative jack-o-lanterns
    • Feeling patriotic on Veterans Day and honoring all the great people who have served our country
    • Hiking and camping in nature at its finest time of the year
    • Cool breezes to compliment the warm sunshine
    • Raking leaves into a huge pile just so kids can jump into and destroy it
    • Catching a falling leaf as it glides to the ground
    • Learning and relearning the history of our nation
    • Being able to go outside without sweating profusely
    • Neighborhood cookouts complete with hay rides and bouncy houses
    • The smell in the air after rain
    • All the scurrying animals getting ready to hibernate
    • Saving up for the holiday season and everything it entails
    • Having a busy schedule and then being able to enjoy those lazy days even more than before
    • Outdoor activities such as soccer and football that you couldn't play before because it was too darn hot
    • Autumn sales at all the retail stores!
    • Having more time to take care of yourself and enjoy every minute of every day

    Autumn is such a lovely transition between summer and winter because you get elements of both. It's an underrated and less appreciated season in my opinion. If you have any insurance questions or inquiries feel free to contact us by clicking the buttons below.

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    Tags: fall, autumn, apple picking, fall safety, veterans day, cookouts, history, pumpkin, season, school

    Liability Issues: Safety Around Your Home

    Posted by Donna Bellavance

    Wed, Apr 25, 2012 @ 05:52 PM

    Liability issues and claims are proving to be more costly than actual physical damage losses under homeowners insurance policies. 

    Be aware of the many hazards your home may have with personal and homeowners from Andrew Gordon Inc Insurance Norwell MAAccording to the Center for Disease Control there are 4.7 million dog bites each year, and 50% occur on the residence premises. According to the Insurance Information Institute, dog bites or dog-related injuries account for approximately 1/3 of all homeowner liability claims, and the average cost is more than $37,000. Carriers often decline writing coverage if there are particular breeds within the household, such as Bull Dogs, Pitbulls, German Shepherds, Akitas, Rottweilers, Doberman Pinschers, Siberian Huskies, and others that may exhibit aggressive behavior or have previously had a biting history.  Some companies may accept such a breed if they are provided evidence of the dog’s participation in an obedience training course.

    Another major issue of concern for homeowner carriers are swimming pools, since drowning is the leading cause of fatal injury to children between the ages of 1 and 4. Homeowners are required to comply with local regulations regarding the pool such as fencing and locked gates.  It is also worthwhile to note that homeowners can be held liable for injuries to strangers using their pool without permission.

    Trampolines account for over 100,000 emergency room visits per year according to the Consumer Product Safety Commission. Companies can refuse to provide coverage for homes that have trampolines on the premises or may place exclusion clauses or require safety measures, such as nets surrounding the apparatus.

    trampoline pic

     
    The National Safety Council has reported that falls account for 26% of injuries and deaths in the home. Approximately 2.8 million children were treated in the emergency room last year for fall injuries. Tree houses have been the cause for many of these injuries due to the height of these structures, so carriers may exclude or decline coverage, or apply a surcharge for these risks. 


    Homes with guns on the premises increase the risk of homicide by 40% according to the New England Journal of Medicine. Insurance companies require that guns remain properly secured with safety locks and kept out of the reach of children.

    Heating fires account for approximately 36% of home fires. Since many insurance customers use wood stoves as a secondary source of heat, companies now require proof that these were properly installed, adhere to town building codes, and have been inspected.

    Other causes of potential declination of coverage are the presence of zip-lines and exotic pets at the home.

    Homeowners (and renters!) should make it a point to discuss with their agents if any of the above situations apply to them. It is not worth jeopardizing coverage or having a liability claim denied if the carrier was never made aware of all exposures. To discuss your own liability safety, call a Gordon Atlantic Insurance professional toll free at 1-800-649-3252. Prefer to type versus talk? Click below!

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    Tags: home, dog, fall, safety, homeowners insurance, insurance, massachusetts, liability, animals, trampoline, pool, agent, tree house, gun, fire places, wood stove, zip line, swimming, bite

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