Paul Lymneos Insurance Agency Inc

We want to service all of your insurance needs whether it be your home, auto or business. The agency is a family owned agency started in 1952 by Paul Lymneos and has continued with his son Steven. We believe that you the client have many questions and concerns so we listen carefully to allow us to offer the best coverage that will fit your particular situation or need. This has been the basis on which the agency was established and has continued to this day to provide the personal service you deserve. Please feel free to contact us at any time. Personal Insurance  Personal Auto  Homeowners  Renters  Condominium Owners  Personal Items  Boats  Umbrella  Motorcycles  Motorhomes  Mobile Homes  Dwelling Fire  Watercraft  Gap Insurance  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  Group Insurance  Group Life  Group Health  Group Dental  Group Retirement  Group Disability Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Replacement Cost Analysis of Your Home Registry Service Notary Public Arbella Arbella was founded in 1988 as a Massachusetts-only auto and homeowners insurance company. Consistently adding to product lines and expanding into Rhode Island and Connecticut, Arbella has become a group of companies committed to delivering highest quality insurance products and services. Danbury Danbury Insurance Company and Hingham Mutual Fire Insurance Company offer quality insurance products through nearly 400 professional Independent Insurance Agents in New England as The Hingham Group. Hingham Established in 1826, the Hingham Mutual Fire Insurance Company (now part of the Hingham Group with Danbury Insurance) has a tradition of providing financial security and superior service to our agents and policyholders. Any company that is still going strong for more than a century and a half is a good choice to handle the protection of your home, business and most prized possessions. A.M. Best, the leading provider of insurance company ratings, consistently awards The Hingham Group a secure rating based on our financial strength and ability to meet all policyholder obligations. Magna Carta Magna Carta Companies – consisting of Public Service Mutual Insurance Company, Paramount Insurance Company and Western Select Insurance Company- is a commercial lines insurance carrier headquartered in New York City. Founded in 1925 as Public Service Mutual Insurance Company, a regional insurer in the Northeast, we have grown to be one of the 100 largest mutual insurance companies in the United States. MetLife Auto & Home For 137 years, MetLife has been insuring the lives of the people who depend on us. Our success is based on our long history of social responsibility, strong leadership, sound investments, and innovative products and services. MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance. Pilgrim Founded in 1987, Pilgrim is a licensed insurer based in Massachusetts. Pilgrim was the first company in Massachusetts to provide third-party management and operational services to both property and casualty insurers and financial institutions. Plymouth Rock Plymouth Rock Assurance Corporation remains the flagship of the Plymouth Rock Group of Companies with more than 125,000 individual policyholders and personal auto insurance premium exceeding $260 million in 2003. Plymouth Rock maintains a rating of “A-/Excellent” from A.M. Best, the insurance industry’s premier independent rating service. Progressive The Progressive Group of Insurance Companies ranks third in the nation for auto insurance, with more than 12 million customers. 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 Carco Inspection Services Massachusetts Division of Insurance Massachusetts Division of Industrial Accidents (Workers Compensation) Insurance Information Institute (III) National Flood Insurance Program Gap Insurance Personal Umbrella Identity Theft Flood Personal Inventory Accident Forgiveness Good Student Student Away at School 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. 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: Overflow of inland or tidal waters Unusual and rapid accumulation or runoff of surface waters from any source Mudflows Collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood What does a Flood Policy cover? 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: Clothing Furniture, housewares, bedding Decorative items, lamps and lighting fixtures Books, home electronics Area rugs and draperies Clothes washers and dryers Air conditioners Food freezers and the food in them Portable microwave ovens Coverage in Basements Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as: Unfinished drywall for walls and ceilings, including nonflammable insulation Electrical junction and circuit breaker boxes, and required utility connections Central air-conditioning units Furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps Light fixtures Foundation elements Cleanup 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. Facts Everyone 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. Flooding can happen anywhere - about 25% of flood insurance claims come from low to moderate-risk areas Flood damage is not covered by homeowners policies Flood insurance is affordable - homeowners can insure contents only for as little as $39 per year; building and contents for as little as $112 per year Flood insurance is available to homeowners, renters, and business owners There is a 30-day waiting period unless you are purchasing at the same time you are writing a mortgage Federal disaster assistance is not insurance coverage - it is a loan that must be paid back Rates Dwelling/Contents Building Contents Premium $20,000 $8,000 $137.00 $30,000 $12,000 $163.00 $50,000 $20,000 $205.00 Contents Only (Located above ground level) Contents Premium $8,000 $39.00 $12,000 $53.00 $20,000 $81.00 These are preferred rates - please contact us to see if you qualify for the preferred rates and for higher coverages. Home and Personal Property Inventory By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry. You may be surprised by the value of your accumulated possessions. In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents. After you have your inventory complete, be sure to keep it in a safe place away from your home such as a relatives home or you can even bring copies of the inventory and pictures/video to our office for safe keeping in your file Credit Card Inventory In the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens. With Accident Forgiveness, a surcharge resulting from an at-fault accident, and the corresponding loss of the driver's Excellent Driver Plus (SDIP Points 99) discount, will not be applied, saving a customer hundreds of dollars a year. This option automatically applies to the first surchargeable at-fault accident, provided the policy: has been in force with Plymouth Rock for at least 48 months prior to the renewal policy date includes only listed operators with SDIP Points 99 lists the at-fault driver and vehicle includes no other accidents currently being waived Only the first surchargeable at-fault accident is "forgiven." Any violations relating to the accident or any subsequent accidents are subject to the applicable surcharge. The waiver applies only while the customer is insured with Plymouth Rock. The Deductible Rewards, Actual Replacement Cost and OEM endorsements may be used on a claim being "forgiven." Optional Accident Forgiveness Coverage The Accident Forgiveness option may be purchased for a policy that has been with Plymouth Rock less than 48 months prior to the policy effective date provided the other eligibility requirements apply, including: all listed drivers are SDIP Points 99. the at-fault driver and the vehicle involved are listed on the policy, and there are no other accidents currently being waived on the policy. The cost for the optional coverage is 1.5% of the total premium for Parts 1-9 and Part 12, and must be purchased at the inception of the policy term. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as full-time high school, college or university students at an accredited educational institution, and either maintain at least a "B" or "3.0" grade point average or are included on the "Dean's List," "Honor Roll," or comparable scholastic achievement list. The discount is based on rate class: Class 17 and 18, 15% Classes 20,21,25, and 26, 10% lists the at-fault driver and vehicle includes no other accidents currently being waived and applies to: Bodily Injury (Part 1) Personal Injury Protection (Part 2) Property Damage (Part 4) Optional Bodily Injury (Part 5) Medical Payments (Part 6) Collision (Part 7) Limited Collision (Part 8) Comprehensive (Part 9) To be eligible, the student operator must have a driving record with fewer than 3 points under the SDIP plan. The student must supply a report card, transcript or certified statement from the school indicating the academic requirement was met during the semester immediately preceding the policy effective date. The discount may not be endorsed mid-term, and must be requested before each policy renewal for which the student is eligible (based on grades and inexperienced operator classification). The Student Away at School discount cannot be selected in conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligible discounts apply. To be eligible, the student operator may not have regular access to the covered vehicle while at school or on weekends. The discount would still apply when the student is home on breaks and summer vacation as long as they remain enrolled at the school and reside on or near campus during the regular school year. The Student Away at School discount cannot be applied In conjunction with the Good Student discount. The higher of the two discounts should be applied. All other eligIble discounts apply. This discount is available to drivers in all inexperienced operator rate classes who are enrolled as students and reside at an accredited educational institution located more than 100 road miles from the auto's principal place of garaging. The discount is based on rate class: Class 18 (occasional use, 3-6 years experience), 5% Class 17 (principal use, 3-6 years experience), 10% Classes 20, 21, 25, and 26, 15% and applies to: Bodily Injury (Part 1) Personal Injury Protection (Part 2) Property Damage (Part 4) Optional Bodily Injury (Part 5) Medical Payments (Part 6) Collision (Part 7) Limited Collision (Part 8) Comprehensive (Part 9) Massachusetts Personal Auto Homeowners Dwelling Fire Massachusetts Commercial Auto Workers Compensation Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Current Insurance Company Name Expiration Date Annual Premium Vehicle(s) Vehicle 1 Year Make Model VIN Garage Location Odometer Reading Annual Mileage Business Use Age 65 or Older Air Bags Automatic Seatbelts Anti-Theft Device (Alarm) Vehicle Recovery System (Lojack) Public Transit Pass (11 months) Accident Forgiveness Good Student Discount Student Away at School Vehicle 2 Driver(s)   List all licensed drivers in your household. Name on License Date of Birth License Number State Date Licensed Driver Training 1. Yes  No 2. Yes  No 3. Yes  No 4. Yes  No 5. Yes  No 6. Yes  No Coverages Part 1 - Bodily Injury To Others 20/40 Part 2 - Personal Injury Protection 0 100 250 500 1,000 2,000 4,000 8,000 Part 3 - Bodily Injury By Uninsured Motorist 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 4 - Property Damage 50,000 100,000 150,000 200,000 250,000 300,000 400,000 500,000 Part 5 - Optional Bodily Injury No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 6 - Medical Payments No Coverage 5,000 10,000 15,000 20,000 25,000 50,000 100,000 Part 7 - Collision Deductible No Coverage 300 500 1,000 2,000 Part 8 - Limited Collision No Coverage 0 300 500 1,000 2,000 Part 9 - Comprehensive Deductible No Coverage 300 500 1,000 2,000 Part 10 - Substitute Transportation No Coverage 15/day to 450 max 30/day to 900 max 45/day to 1,350 max 100/day to 3,000 max Part 11 - Towing & Labor No Coverage 50/incident 100/incident Part 12 - Bodily Injury By Underinsured Motorist No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Earthquake Coverage Dwelling Information Estimated Replacement Cost Square Footage Year Built Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance Smoke Detectors Central Station Fire Alarm Central Station Burglar Alarm Located within 5 miles of Fire Station Located within 1000 feet of a Fire Hydrant Swimming Pool Trampoline Dogs or Exotic Pets (Note Breed and Bite History) Personal Property (estimated values) Jewelry Furs Fine Art and Collectibles Cameras Musical Instruments Silverware Stamps Coins Golfers Equipment Personal Computers   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Dwelling Information Estimated Replacement Cost Square Footage Year Built Number of Floors Number of Families Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Vehicle(s) Vehicle 1 Year Make Model VIN Cost New Gross Vehicle Weight Radius of Operation Garaging Type of Use Vehicle 2 Coverages Liability 20/40 50/100 100/300 500/500 1000/1000 Collision Deductible 300 500 1,000 Comprehensive Deductible 300 500 1,000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Business Information Type of Business Annual Payroll   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Massachusetts Personal Auto Policy Change Homeowners Policy Change Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Policy Information Policy Number Company Name Expiration Date Effective Date of Change Driver(s)   List all licensed drivers in your household. Name on License Date of Birth License Number State Driver Training   1. Yes  No Add Remove 2. Yes  No Add Remove 3. Yes  No Add Remove Coverages Part 3 - Bodily Injury By Uninsured Motorist 50/100 100/500 250/500 500/500 Part 4 - Property Damage 100,000 250,000 Part 5 - Optional Bodily Injury 50/100 100/500 250/500 500/500 Part 6 - Medical Payments 25,000 Part 7 - Collision Deductible No Coverage 300 500 1,000 Part 9 - Comprehensive Deductible No Coverage 300 500 1,000 Part 10 - Substitute Transportation No Coverage 15/day to 450 max 30/day to 900 max 45/day to 1,350 max Part 11 - Towing & Labor No Coverage 50/incident 100/incident Part 12 - Bodily Injury By Underinsured Motorist 50/100 100/500 250/500 500/500 If your assets are above the maximum limit of $250,000, you need a Personal Umbrella policy. A Personal Umbrella policy will cover your auto(s) and your home premises. An additional $1 million to $10 million + limits of liability are available with a Personal Umbrella policy. Premiums start at $100 annually per $1 million of coverage. Other Remove Secured Lender/Lienholder Principal Place of Garaging Change Mailing Address to Change Home Phone Number to Change Cell Phone Number to   * required   My insurance agency has made me aware of the fact that I may be underinsured or have no coverage at all in some circumstances of possible claims situations of both liability for bodily injury and/or property damage claim(s). I understand once my liability limits have been exhausted from a claim for bodily injury I am liable for my own defense costs and pre-judgment interest. Once the limits of liability have been exhausted from a claim, the insurance company's "Duty to Defend" ends. I request the above change(s) to my insurance policy. My request has been carefully reviewed and selected and I understand my changes with no questions whatsoever. Please be advised that no coverage can be bound nor any changes made to your policy until confirmed in writing by an employee during regular business hours. If you have not heard from us within 24 hrs (excluding weekends & holidays), please let us know as we may not have received your information.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Policy Information Policy Number Company Name Expiration Date Effective Date of Change Requested Changes Increase Dwelling Coverage Limit Change Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Increase Personal Liability Limit $500,000 $1,000,000 Add Earthquake Coverage Add Identity Theft Coverage Add Sewer Back Up/Sump Overflow Coverage   * required   I request the above change(s) to my insurance policy. My request has been carefully reviewed and selected and I understand my changes with no questions whatsoever. Please be advised that no coverage can be bound nor any changes made to your policy until confirmed in writing by an employee during regular business hours. If you have not heard from us within 24 hrs (excluding weekends & holidays), please let us know as we may not have received your information.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Certficate Holder (Recipient) Information Name Attention Address City, State, Zip Phone Fax Instructions Certificate is Urgent Same Day Next Day Please Fax Certificate Please name Holder as Additional Insured Please name the following as Additional Insured Please reference the following job Additional Description (if any)   * required     If you know someone who may need our services we would appreciate the opportunity to offer them our products and quality service. Just fill out the easy form below. Leave an introduction if you wish and send it along to us. Referral Your Name * Your Email * Your Friends Name Your Friends Email Your Introduction   * required   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: Personal information you share with us, such as the information on your application, requested policy change information, questionnaires or other forms you may complete. Personal information about you from your transactions with us over the time you have been a policy holder with us. Personal information about you from a consumer reporting agency, such as the Registry of Motor Vehicles. Personal information you provide or which is obtained during the process of handling a claim, including medical information, such as from an accident report. We do not disclose any personal information about current or former customers to anyone, except as permitted by law. Contact Us Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Questions/Comments   * required