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Modern Insurance for Your Classic Car

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same, so The Insurance Outlet will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features you should look for when shopping for classic car insurance:

  • Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
  • Low Rates: Why pay full-time insurance when you drive your collector car only part-time.
  • Coverage Options: Not all collector cars are the same, so The Insurance Outlet can work with you to determine the right amount of coverage to meet your specific needs.
  • Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
  • Roadside Assistance: Whether you’re down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.

Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with one of our agents today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call at 527-8050 or stop in during normal business hours.

Does your boat insurance cover mechanical breakdowns?

                                   Travelers does!


Spring is the Start of Bike Season

Spring has officially sprung and it’s time to pull the motorcycle out of storage after a long winter of hibernation; or perhaps you’re in the market for your first bike. Either way, give The Insurance Outlet a call! With our help and some of these tips* offered by Safeco, you could save up to 40 percent on your motorcycle policy.

Take a Motorcycle Safety Course*
Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.

Join a Riding Club or Group*
Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.

Ride More*
Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding.

Garage Your Bike*
Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.

Own Your Own Home*
Save up to 20 percent when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.

Choose a Higher Deductible*
Raising the amount you pay out-of-pocket for losses will reduce how much you pay for your policy premium. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a covered loss. A higher deductible generally lowers your premium but increases the amount you must pay out-of-pocket when you file a claim.

It’s also possible to lower your rate if you:

  • Insure more than one bike.

  • Bundle your car, home, or boat.

  • Maintain continuous coverage.

  • Pay your bill in full.

  • Make a claim-free renewal.

  • Have a theft recovery device or anti-lock brakes.

Give us a call or email today so we can get you (back) on the road and saving money!


Do You Need Flood Insurance?

Do you own property that could be damaged or destroyed by water? If the answer is yes, then you should seriously consider buying flood insurance. Most people buy coverage offered by the National Flood Insurance Program (NFIP). If your community doesn't participate in the program, you'll have to look into coverage from private insurance companies.

Is Flood Loss Likely?
The chances of your business, home or personal property being damaged by a flood depends primarily upon where you live. Other factors also include:

  • how much of a flood warning you receive
  • the level of flood precautions you take (such as moving personal property to higher levels), and
  • the precautions taken by your community (such as the use of flood controls in construction standards or sandbagging threatened areas).

Floods are related to weather conditions and tend to affect very wide areas. This often makes chances of a flood loss higher than a loss from fires or windstorms. Many people have the obsolete belief that flood insurance is only needed if you live in a flood prone area.

I Live in a Flood Zone?!
If you hear the term "flood zone," you may think that it refers to locations that are particularly vulnerable to flooding. Wherever you live in the USA, you live in a flood zone. While your area may have a lower chance of flooding than a coastal area or a location situated near a body of water, your area could still experience flooding. A very dry part of the country can be susceptible to flash floods; hilly locations may be harmed by drainage; snowy locations may suffer from sudden thaw; other areas may suffer deluges or flooding due to a heavy rain season which has soaked the surrounding soil. So, if you've insured your property against fire, wind and other causes of loss, it certainly makes sense to also protect it from the potential of a flood loss.

Why Worry When Disaster Coverage is Available?
Your loss may be handled by the government declaring a disaster area. However, you're still taking a couple of large risks. First, your flooded locale may not be deemed a disaster area. Second, being designated as a disaster area is not a bargain. Disaster area status only gives citizens access to government disaster loans. IF you qualify for assistance, you have replaced insurance protection with an obligation to pay off a large, long-term loan. Flood insurance is a cheaper and much more valuable alternative.

Don't Be "All Wet".
You don't have to leave yourself unprotected. The Insurance Outlet can help you with detailed information on the National Flood Insurance Program and/or provide you with information regarding the best coverage options to help you recoup losses in the event of a flood.


Revised from an article provided by ©The Rough Notes Company, Inc.

Insurance, It's Worth It!

An Industry Only a Mother Can Love
Years pass, decades pass and surveys are taken. The results are largely the same. Most folks don't care much for insurance. Insurance is still seen, at best, as a necessary economic evil. It's still common for many insurance consumers to believe that, unless their policies have paid out on a significant loss, the premiums they've paid for coverage have been wasted.
Insurance people and the companies they work for don't like this situation. However, it's tough to make a case whether public perception is fair when, for so very long, that perception has not changed.

Really Think About the Big "I"
Take a moment to truly think about insurance. Yes, a policy's value is best proven when insurance dollars are there; ready to pay for a loss. It's great when, after an auto accident, your insurer sends out an expert in claims to write an estimate, arrange to have a car towed for repairs, handles reserving a rental car, and then issues a check to pay for it all (except for your deductible). The same can be said after an insurance policy pays for a loss to your home or your business.

However, the real value of insurance exists each and every moment that a loss doesn't occur and no payments have to be made. Its value is there for every home that passes years without storm damage, without windows broken by baseballs, without suffering kitchen fires or roofs caved in by snow. Value is right there in front of your eyes as you drive past businesses, apartments, schools, hotels, factories, supermarkets and shopping centers.

Modern Economies Have to Have It
Owning anything of real value is a risky proposition. The greater the value, the higher the stakes caused by possible loss or destruction. Insurance, which protects most types of property and responds to lawsuits for most types of legal liability, enables a modern economy. Regardless whether you ever experience a loss, what is the chance that you could buy a home without insurance? Do you think that owning a car is likely without access to lenders? Even if a vehicle purchase can be handled without a loan, what about the danger you pose to others while driving?
What business of significant size could operate without the security provided by commercial insurance? Can you even imagine how everyone would have to scale back in order to handle their exposures to myriad losses without the ready availability of insurance? Many aspects of our modern lives would not be possible.
Do you still have a problem understanding the value of insurance? Would you like to imagine your world without it?

Insurance…it's worth it!  Call The Insurance Outlet today! Or, if you prefer, you can get a quote online here.  


©The Rough Notes Company, Inc.

Baby it’s cold outside.

When temperatures drop for extended periods of time, the risk of frozen pipes increases. We at the Insurance Outlet hope you will never experience the inconvenience, expense and loss of personal belongings this can cause to your home or office. The American Red Cross published the following recommendations for preventing, and recovering from, frozen pipes.

“An ounce of prevention…

During cold spell these tips will reduce the likelihood of pipes freezing:

  • Keep garage doors closed if there are water supply lines in the garage.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. Be sure to move any harmful cleaners and household chemicals up out of the reach of children.
  • When the weather is very cold outside, let the cold water drip from the faucet served by exposed pipes. Running water through the pipe - even at a trickle - helps prevent pipes from freezing.
  • Keep the thermostat set to the same temperature both during the day and at night. By temporarily suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.
  • If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.

A pound of cure

Despite your best efforts, pipes may still freeze. If you turn on a faucet and only a trickle comes out, suspect a frozen pipe. Likely places for frozen pipes include against exterior walls or where your water service enters your home through the foundation.

Here are some steps to take if you suspect your pipes have frozen:

  • Keep the faucet open. As you treat the frozen pipe and the frozen area begins to melt, water will begin to flow through the frozen area. Running water through the pipe will help melt ice in the pipe.
  • Apply heat to the section of pipe using an electric heating pad wrapped around the pipe, an electric hair dryer, a portable space heater (kept away from flammable materials), or by wrapping pipes with towels soaked in hot water. Do not use a blowtorch, kerosene or propane heater, charcoal stove, or other open flame device.
  • Apply heat until full water pressure is restored. If you are unable to locate the frozen area, if the frozen area is not accessible, or if you can not thaw the pipe, call a licensed plumber.
  • Check all other faucets in your home to find out if you have additional frozen pipes. If one pipe freezes, others may freeze, too.
  • Call your insurance agent to report any damage to property.”

Avoid Heating Dangers

Woman relaxing at home in front of a cozy fire at Christmas

As the outside weather turns cold, many turn to the use of space heaters and woodburning stoves to help fight the chill from their homes. The wintry months of December through February are the highest for reported home fires that involve heating equipment. Such fires are a sad, significant source of fire fatalities.

If you choose to make use of space heaters or woodburning stoves, take the time to make sure they can be used safely. Steps can be taken to minimize the chance of a tragic fire loss.

Space Heaters
There are a number of simple steps to make the use of space heaters safer. Adhere to the following:

  • Use only Underwriter Laboratories (UL) approved heaters
  • Remember to turn portable heaters off when leaving the room or going to bed
  • Test smoke alarms monthly.
  • Inspect the heater to make sure it is operating properly and use heater ONLY as intended
  • Heaters must automatically shut off after desired temperature is reached
  • Heaters must automatically shut down in the event of a tip over
  • Heaters must be kept at least three feet from all combustible materials
  • Heaters must be monitored when in operation
  • Only plug heaters into wall receptacles (never use an extension cord)
  • Locate and use space heaters away from travel paths
  • Do not use space heaters in bathrooms or kitchens
  • Do not use portable space heaters if small children are present

Woodburning Stoves
There are a number of simple steps to make the use of woodburning stoves safer. Adhere to the following:

  • Keep anything that can burn at least three feet away from any stove
  • Have a three-foot "kid-free zone" around the stove's location
  • Have a qualified professional install such stoves, according to local codes and manufacturer's instructions. Strictly adhere to clearance, pipe length, chimney type and related requirements
  • Have stove and related connections professionally cleaned and inspected annually
  • Locate stove on a noncombustible, fire resistant base
  • Burn only dry, well-seasoned wood
  • Crack open a window to assist with ventilation
  • Dispose of ashes in a closed metal container outside the house
  • Never pass stove pipe through a wall or ceiling
  • Never connect a wood stove to a chimney serving another appliance burning other fuels
  • Don't start a stove fire with flammable liquids
  • Never use a stove to burn trash as such use may create a chimney fire
  • Never leave an operating stove unattended
  • Only use stoves approved by recognized testing laboratories

10 Money Saving Tips for Auto Insurance

Purchasing the auto insurance that is right for you can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your auto insurance and feel confident you have adequate coverage. The Insurance Outlet offers these tips to lead you in the right direction when you purchase your car insurance.

Be a safe driver. Drivers with good driving records can save as much as 60 percent over drivers who cause accidents.

Enroll in a driving class. Drivers who complete a state-approved defensive driving course, or drivers under the age of 21 who take a driver training course, could qualify for savings.

Buy a car that includes safety features such as anti-lock brakes, alarms or other security features, airbags, and automatic seat belts.

Choose a higher deductible (what you pay before your insurance policy kicks in), which can mean paying less for your policy.

Eliminate unnecessary coverages. If you drive an older car with little cash value, consider eliminating “collision” or “comprehensive” coverage, which pays for damage to or theft of your car.

Insure more than one car with the same company, and you may be eligible for savings.

Insure your car and home with the same company. You could save money if you have more than one type of policy with the same insurance company (for example, an auto policy and a homeowner’s policy). The more good business you give the company, the more valuable you are as a customer.

Look for low-mileage discounts if you car pool or do not put a lot of miles on your car annually.

Check for student discounts such as a good student credit for maintaining a B average, or if a driver in your household is living away at school and not driving as much.

Buy a safer car that will cost less to repair and less to insure. Check crash-test reports, repair records and manufacturer recalls of any car you are considering. A consumer protection magazine can be very useful or check car sites on the Internet.


9 Tips for Saving Money on Your Homeowners Insurance

Purchasing the homeowners insurance that is right for you and your home can be confusing, especially for first-time buyers. By learning the basics on how to get the most for your money, you can save on your homeowners insurance and feel confident you have adequate coverage. The Insurance Outlet offers these tips to lead you in the right direction when you purchase your homeowners insurance.

Shop around. In addition to considering friends, family, the phone book or the Internet as possible sources to find homeowners insurance, consult with an independent insurance agent. Look for a wide range of prices from several companies. Remember, you get what you pay for, so look for not only a fair price but excellent service as well. Check a company’s financial rating with A.M. Best or Standard & Poor’s.

Raise your deductible. Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $250. By choosing a higher deductible ($500, $750, $1,000 or higher), you’ll have lower annual premium payments.

Consider how much insuring a new home will be. The age of your home may qualify you for savings because plumbing, heating and electrical systems of newer homes have lower risks than outdated systems. Construction of the home (brick versus wooden frame) can affect your cost as well, depending on your home’s location. Also, if you live near your local fire department, your homeowners rates might be lower than if you are many miles away.

Insure your home, not your land. Since homeowners policies don’t provide protection for your land, it would be a waste of money to include its value as part of your dwelling coverage, which should only reflect the price it would cost to repair or replace your home’s structure.

Insure your car and home with the same company. You can save money if you have more than one type of policy with the same insurance company. The more good business you give the company, the more valuable you are as a customer.

Improve home security and safety. If your home has certain types of fire alarms, burglar alarms, locks, or smoke detectors, you’ve reduced your risk and may qualify for a credit.

Look for senior discounts. If you are at least 55 years old and retired, your insurance company may offer you a discount. Retirees often spend more time at home and are more likely to spot trouble and prevent a loss.

Look for group coverage. Many insurance companies offer discounts to groups such as alumni or business associations. Check with your association director or employer to see if they offer a plan.

Stay with one insurer. If you keep your coverage under one insurer for several years, you may be offered a discount from the company. The longer you are a customer, the more money you will likely end up saving.

Compare the limits in your policy to the value of your possessions at least once a year. If you make any major purchases or additions, you want to ensure they will be covered, but you do not want to spend more than is necessary.


January is a Great Time to Assess Your Insurance Coverage

The beginning of a new year is a time when we find ourselves assessing our life, career and/or health. Why not your insurance as well? As our lives change, so do our insurance needs. Just as you get a yearly physical exam and car inspection, so too should you review your coverage to assure that you are adequately covered.


  • Structural: Construction costs, like everything else increase over time. The cost to replace your home is different today than it was ten, five or even two years ago. Perhaps you’ve added a deck or an addition to your house or upgraded your kitchen. These are factors that count toward the estimated cost to replace your home. Make sure your homeowners’ coverage is keeping up with your current replacement value. (By the way, this value is not the same as your market value.)
  • Home inventory: The more details you have regarding the contents of your home, the easier it is for an Adjuster to account for them at the time of a loss. Checklists, photos and videos go a long way toward settling a claim. It’s important to record all relevant information. Checklists templates are available through our agency. In the event of a fire, it’s imperative to keep a copy of these records offsite. You can upload them to the cloud, keep them in a safe deposit box at your bank or provide copies to our agency.
  • Additional coverage: Homeowners’ policies typically provide very limited coverage for jewelry. Did you get a new ring for Christmas or recently inherit a family heirloom? It’s important to have your jewelry appraised and specifically added to your policy to get the full replacement value for any missing or damaged items. Appraisals should be updated too; with the value of diamonds and gold fluctuating, you may be surprised by the current value of your jewelry.
  • Lienholders and mortgagees: Did you refinance a car? Was your mortgage sold to another bank? Did you pay off your vehicle or home? Making sure your lienholders and mortgagees are up to date can avoid any delays down the road.

Life and family

  • Is your life insurance up to date? Do you have enough coverage to ensure your loved ones can maintain their current lifestyle?
  • Have there been changes to your family structure? Marriage, divorce, births and deaths all affect your insurance needs.
  • Are your beneficiaries accurately listed? Has their contact information changed?

Save money!

An annual review may also save you money. Talk to your agent about the possibility of increasing liability limits on your auto, home or recreational vehicles and taking advantage of all the discounts available to you, such as those offered for bundling your home and auto policies, setting up automatic payments and/or signing up for paperless delivery.

Call us today to schedule your annual checkup. We’ll discuss life changes, coverages, and your overall insurance costs to assure that you're still getting the best value for your personal needs.

7 Reasons Independent Agents Are the Best

1. Options - Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. On average, most independent agents, including The Insurance Outlet, work with more than a dozen different companies. Why accept a quote from just one carrier when an independent agent represents so many? This allows them to make the best match for your lifestyle, belongings, risk factors and needs while also seeking competitive rates, coverage and quality of service.

2. Time Savings - You’re a smart consumer; you want the best value and coverage, but the time required to research various options and fill out forms for online quotes would be exhausting. With an independent agent there’s no need to do all that. Their connections and knowledge of the market allows agents to often find a better value for your insurance dollar than you might find on your own. Agents do the shopping. You reap the benefits.

3. Quality - Independent agents have the freedom to work with only those carriers they know to provide the best coverage, value, customer support and fastest claim service. They can add or remove insurance carriers from their offerings at any time, as they see changes in the industry. This gives you the peace of mind of knowing your coverage is provided by the most reputable, efficient and professional companies.

4. All about YOU! - Independent agents don't work for the carrier, they work for YOU! They become your personal advisor and advocate. If you have a claim or billing concern, or need to change your coverage, your agent will work with the insurance company on your behalf. An independent agent takes the time to listen to you and understand your individual needs. They know it’s not just about finding a price you can afford; it’s also about making certain you are appropriately covered.

5. Life Happens – Marriages, births, teen drivers, new homes, these are just some of the life events that affect your insurance needs. Independent agents see these changes as opportunities to review your account and assure you’re still getting the best value. They’ll determine if another one of the many companies they work with might be better suited to serve your new circumstances.

6. Expertize – Independents make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford. They know the idiosyncrasies of one carrier's underwriting versus another. For example, some carriers offer unique coverages such as underground utility services which provide coverage should a water or sewer line were to break. This isn’t covered by most homeowners’ policies, and most likely wouldn’t even know that until you had a claim.

7. Understanding your Community – Independent agents share your interest in your community and understand the benefits and challenges associated with your daily life. It’s doubtful that a gecko, duck or quirky lady named Flo would understand the unique risks associated with tens of thousands of bikers invading the streets of your small town on Laconia Bike Week or the challenges associated with boating on a lake crowded with tourists who are unfamiliar with that body of water. They also know which local cleaning & restoration companies will pick up the phone at 2am and which area autobody shops, rental agencies, glass centers, electricians, plumbers, contractors to recommend based on their reputation for quality and timely work. You won’t get all that from an unknown customer service rep at a well-publicized 800 number.


Why us?
office_smAs a small agency, The Insurance Outlet offers more than a transactional relationship. Our agents get to know you on a first name basis. We want to know all about you, your family, your home and life so that we may better assess your risk characteristics and take a proactive approach to protecting you and your material investments. You won’t get that from those agencies you see in cute television commercials. They don’t know you and never will. You’ll likely get a different representative every time you call.

While we do have customary business hours, rest assured that we monitor our voicemails 7 days a week and return calls outside of the typical business hours when you need help with a claim. That’s our promise to you.
At The Insurance Outlet, our reputation means everything to us, so we don’t ever over-promise and under-deliver. If we don’t think we can top your current policies, we’ll let you know. Our agents just appreciate the opportunity to review your insurance needs. We want you to trust us enough that when your needs change, you’ll consider us again. Meanwhile, we’d appreciate you telling your friends how no-pressure we are. All our work is relationship based with over 75% of new business coming from personal referrals. That speaks volumes about the trust people have in us and that’s very important to us.

Why not give us a call today or stop into our office (you can’t do that with those online companies!) and see what we can do for you.