Welcome
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:
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.
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 InventoryIn 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:
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:
and applies to:
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:
and applies to:
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. 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. |
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