We know that replacing your insurance program can be a nerve racking experience. Will I receive similar or better coverage? Will my new agency increase the level of service that I am used to? Do they have the knowledge and drive to assist me in a claim situation? The answer to those questions is YES. The difference between one insurance agency and the next is not only the companies represented but also the individuals that service the client.
At Tomlinson & O'Neil Insurance the manner in which you are represented is a reflection of our agency as a whole. We understand that and make every effort to make available to our staff the tools necessary to provide you with the best service possible. Our licensed customer service representatives are required to participate in continuing education classes to keep on top of the latest changes in products and markets.
At Tomlinson & O'Neil Insurance the manner in which you are represented is a reflection of our agency as a whole. We understand that and make every effort to make available to our staff the tools necessary to provide you with the best service possible. Our licensed customer service representatives are required to participate in continuing education classes to keep on top of the latest changes in products and markets.
Services
The 2015 hurricane season has officially started.
We are hopeful that the area will enjoy just as quiet a season as we did in 2014.
If, however, Massachusetts is hit with a hurricane or our building is struck by a local disaster in the form of a fire, we need your help in making sure that we don't lose communication with you and your family.
Tomlinson & O'Neil has made arrangements to have a temporary office trailer available to us in case of an emergency.
This trailer will be placed on our parking lot at our current location in the event of a fire.
We are hopeful that the area will enjoy just as quiet a season as we did in 2014.
If, however, Massachusetts is hit with a hurricane or our building is struck by a local disaster in the form of a fire, we need your help in making sure that we don't lose communication with you and your family.
Tomlinson & O'Neil has made arrangements to have a temporary office trailer available to us in case of an emergency.
This trailer will be placed on our parking lot at our current location in the event of a fire.
We often take for granted that everything will always go right in our lives.
But suppose a strong storm damaged your house, you were involved in an accident of some kind, or you were the victim of a burglary, could you afford the thousands of dollars in unexpected repair bills or the replacement of lost belongings?
The unfortunate fact is that most of us would not be able to deal with a large financial loss without having insurance.
Proper coverage can provide you with the peace of mind to know that you are protected should an unfortunate situation arise.
But suppose a strong storm damaged your house, you were involved in an accident of some kind, or you were the victim of a burglary, could you afford the thousands of dollars in unexpected repair bills or the replacement of lost belongings?
The unfortunate fact is that most of us would not be able to deal with a large financial loss without having insurance.
Proper coverage can provide you with the peace of mind to know that you are protected should an unfortunate situation arise.
Our Automobile Insurance policies provide coverage for Bodily Injury and Property Damage Liability to others, as well as Physical Damage Coverage for your auto.
Bodily Injury Liability provides coverage for your legal responsibilities for accidents causing injuries to other drivers, pedestrians and passengers.
Our Property Damage Liability coverage provides protection for accidents that damage the property of others.
Legal defense costs, if any, are also covered.
First-Part Benefits Coverage is provided for medical expenses, rehabilitation expenses, income loss, funeral expenses and accidental death for you and others injured in an accident involving your car, regardless of who is at fault.
Bodily Injury Liability provides coverage for your legal responsibilities for accidents causing injuries to other drivers, pedestrians and passengers.
Our Property Damage Liability coverage provides protection for accidents that damage the property of others.
Legal defense costs, if any, are also covered.
First-Part Benefits Coverage is provided for medical expenses, rehabilitation expenses, income loss, funeral expenses and accidental death for you and others injured in an accident involving your car, regardless of who is at fault.
Additional living expenses - paid to you if you are unable to live in your home because of a covered loss.
Personal liability that provides coverage for your legal responsibilities for accidents causing injury to others, on your property and elsewhere.
Medical payments - actual medical expenses paid to others who are accidentally injured on your property.
Our Homeowners policies give you flexibility by offering you many coverage options, such as Guaranteed Replacement Cost, which provides coverage for the actual cost of replacing your home after a loss, no matter what the policy limit may be.
Personal liability that provides coverage for your legal responsibilities for accidents causing injury to others, on your property and elsewhere.
Medical payments - actual medical expenses paid to others who are accidentally injured on your property.
Our Homeowners policies give you flexibility by offering you many coverage options, such as Guaranteed Replacement Cost, which provides coverage for the actual cost of replacing your home after a loss, no matter what the policy limit may be.
Life insurance is simply intended to cover the financial risk of death.
In general, anyone who wants to make sure that their family does not have to change its lifestyle after his or her death needs to have it.
Life insurance has several variables: duration of coverage, frequency and stability of payments, as well as payout method and amount of coverage.
You can use simple rules of thumb, but a real evaluation of your needs should take your whole financial picture into account.
Most advisors recommend an amount between 5 to 10 times your salary.
In general, anyone who wants to make sure that their family does not have to change its lifestyle after his or her death needs to have it.
Life insurance has several variables: duration of coverage, frequency and stability of payments, as well as payout method and amount of coverage.
You can use simple rules of thumb, but a real evaluation of your needs should take your whole financial picture into account.
Most advisors recommend an amount between 5 to 10 times your salary.
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