Encharter Insurance Lexington

Avoid disaster with the help of your Umbrella Insurance!

Encharter Insurance — Tue, 01 Feb 2011 16:25:37 +0000

In life there are many events worth celebrating such as birthdays, holidays, or just because; but one worry in the back or every hosts mind is liability. At one moment you could be have drinks with an old friend and then find yourself in a whole heap of trouble. This year you may just be held responsible for the actions of one of your party guests, or you may be able to avoid this disaster.

A major factor in liability with cases of this kind is whether you were feeding the alcohol to your friend if he came intoxicated or provided his own unknown to you. If you supply the alcohol to your guest then you are almost always liable for their later actions, such as a means of safe transportation home. Also as the host of the party you are responsible to know that they are at least 21, and you can claim ignorance on this matter as a defense. In any case you always should make sure your guests have a safe ride home, and makes sure the driver has not been drinking.

Another major risk of hosting events like this is the possibility an accident could happen at your home. The best way to deal with this issue is to get you covered with a MA Umbrella Insurance Plan. Contact your local Encharter Insurance agent, to ensure that you can enjoy a worry-free party knowing that Encharter Insurance has you covered. Call us today at 888-865-1244 or find us online at www.encharter.com.

Bundle Up and Save!

Encharter Insurance — Wed, 26 Jan 2011 20:31:29 +0000

After seeing the new Verizon iPhone commercial that Apple released, I thought two things.

1) I want one.

2) Will it still have the speed that the AT&T iPhone has?

If you watch the commercial, it shows how awesome the iPhone is and all the cool things it can do, and then at the end they have a slogan that pops up which reads, “Two is better than one.” Working for an insurance agency, I quickly related this back to how we could help you, the customer!

Did you know that two is better than one with us as well? At Encharter, when you bundle your MA Homeowners Insurance with your MA Auto Insurance, you can save up to a combined 30% off of your premium! That’s a lot of money back to you.

With all that new money in your hands, maybe now you’ll want to check out that new iPhone after all!

Give one of your friendly Local Encharter Agents a call to find out more, 888-865-1244 or find us at www.encharter.com and as always, have a great day!

Because at Encharter, “it’s all about protecting you!”

Scheduling More than Your Tee-Time

Encharter Insurance — Fri, 14 Jan 2011 18:05:08 +0000

Just because the ground is covered with snow and the temperatures are frighteningly cold doesn’t mean that you should put improving your golf skills on hold. There are always ways to keep improving your game regardless of the weather outside: heated driving ranges, simulation screens, Florida, the list goes on. But, it’s important that if you plan to invest your time, money and energy in golf, that you are protecting that investment.

Especially for those of you who have decided to finally buy the golf clubs of your dreams; it’s very important that they are scheduled to your MA Homeowners Insurance Policy. This will provide you with the added protection and coverage that you need.

Do you enjoy traveling to various golf destinations? Scheduling your clubs will protect you even when you are away from home: flying, at the resort and on the course. To schedule your clubs or to find out more about the added layer of protection that scheduling your golf clubs (and many other high-value items) can provide you, call 888-865-1244 to speak with your local Encharter Insurance agent today.

You can also reach us online at www.encharter.com and find us on Facebook!

Stress @ Work

Encharter Insurance — Tue, 04 Jan 2011 19:50:51 +0000

Whether it’s because your cubicle neighbor keeps popping their head over to chat every 5 seconds, the pile on your desk seems to suddenly be growing at an exponential rate or the fact that regardless of how hard you try to finish what you are working on, you just can’t because your phone is ringing off the hook, everyone gets at least a little stressed at work.

Unfortunately, life moves so quickly that it doesn’t take much for people to get stressed; free-time fills up with annoying errands and chores, relaxing becomes something that needs to be penciled-in and sleep seems like a luxury! Fortunately, there are some stress relief tools and tricks (they even make stress relieving toys!)!

By recognizing the things that make you stressed and the ways that you handle those stressors, you can begin to adjust and adapt to them as appropriate. Additionally, making sure that routine items like bills, laundry, and what’s for dinner are taken care of, for the week, by Sunday night can help to relieve some of your weekday stress.

Call your local Encharter Insurance agent today to make sure that your Lexington MA Home Insurance, Lexington MA Car Insurance and Lexington MA Life Insurance are covering you the best that they can. By making sure that your Lexington MA Insurance is squared away, should an accident occur, you won’t need to worry about any additional stress. Because, at Encharter, “It’s all about protecting you!”. Call us today (888-865-1244) or visit us at www.encharter.com.

Christmas Trees 101:WATER THEM!

Encharter Insurance — Wed, 22 Dec 2010 21:31:03 +0000

By now, some people have had their Christmas trees up for a while (maybe even since Thanksgiving) while others are still in the process of decorating and lighting up those great smelling branches. If you fall into the former category, then hopefully you’ve been keeping your tree well hydrated! One of the worst things that you can do during the holiday season is to let the water in your tree stand get low, it only takes seconds for your Christmas lights to spark a drying needle and your whole tree could be engulfed in flames!

If you fall more in the latter category, you need still be careful when it comes to keep your tree watered. Especially if you have purchased your tree from a lot or a place where it was pre-cut, it’s difficult to say just how long it has been waiting idly for you to bring it home (aka. It could already be pretty dried out!).

And if you think you fall into neither category…you probably have a fake tree. See these sites for some additional Christmas Tree Safety Tips or Holiday Safety Tips in general.

And while you’re in the gift-giving mood, don’t over look the value of the best insurance coverage at the best price (with the best service no less). Call your Lexington MA Insurance agent today to make sure that your family is prepared for the coming holiday season when it comes to Lexington MA Home Insurance, Lexington MA Car Insurance and Lexington MA Umbrella Insurance. Also, you can find us on Facebook and Twitter!

And remember, At Encharter, “It’s all about protecting you!”

Cities to Celebrate in!

Encharter Insurance — Fri, 17 Dec 2010 16:04:10 +0000

Normally, Christmas is associated with huddling by the fireplace with the family. But, spending your Christmas, or days leading up to Christmas, in a festive city can be an excellent experience.

Boston and New York City are magnificent cities to visit during the holidays, according to CNN Travel. CNN uncovered ten cities all over the world that will provide a great Christmas experience. From San Juan to London to Hong Kong, Christmas is celebrated many different ways, but all in style with the culture the city is in.

The Rockefeller Center Christmas tree is an international icon of Christmas. Standing tall at 74 feet, the tree is a sight to see for anyone, local or tourist. Erected the day after Thanksgiving, the tree is around for a month leading up to Christmas, so visiting it does not even affect your holiday plans.

However, topping the list is nearby Boston, Massachusetts. Because New England is far enough north, it is very likely that the city will be covered in snow. The 8^th annual Sowa Holiday Market is a must visit for anyone traveling to Boston during the event, but the city can be enjoyed on any day with thousands of lights covering the city in the Christmas spirit.

So whether you are staying at home or traveling to New York or Boston or even taking the Christmas experience to the extreme by going to the Icelandic Christmas village of Hafnarfjörður, be sure to travel safe.

Holiday travel can be stressful enough without the hassle of getting in an accident or having something unexpected happen. However, accidents do happen and the best thing to have in that situation is a great insurance agency behind you. So before you start getting too stressed about your upcoming travel plans, give your Encharter agent a call at 888-865-1244, or visit our website at www.encharter.com, to make sure that your Lexington MA Homeowners Insurance and Lexington MA Auto Insurance are properly covering you.

From Encharter Insurance, Merry Christmas and Happy Holidays!

Cutting Costs in the Kitchen

Encharter Insurance — Wed, 08 Dec 2010 16:03:20 +0000

Meeting all the financial needs that come with raising a family can be tolling and requires a certain level of strategic, economic planning. MoneyWatch.com recently published an article on ways to curb costs at the supermarket, a tactic often overwhelming to many household heads.

A prime example included in the article is replacing breakfast cereal with oatmeal. The author, Sarah Lorge Butler, explains that oatmeal is just as nutritious, more filling, and averages out to around half the price. At around 1 to 2 dollars a dozen, eggs are another great buy, can be cooked to fit into any meal, and are protein rich.

Butler suggests carbohydrate rich pastas with store-brand sauce for an economical dinner, with a side of fresh or frozen vegetables, which are always at an economically attractive price. Roast chicken and beans are two protein rich foods that are also inexpensive. Butler says that when it comes to fruit, ignore the pricier options for the just as nutritious, fractionally priced classics like apples and bananas.

Other money saving options can be found when looking at your family’s insurance policies. By asking your Lexington, MA Insurance agent if you are eligible for discounts on your Lexington, MA Home Insurance or Lexington, MA Auto Insurance (or maybe even both for combining the policies!), you may be able to save a good amount on your annual premium without losing the coverage you need. Call us today at 888-865-1244, visit our virtual insurance office at www.encharter.com or find us on Facebook!

At Encharter, “It’s all about protecting you!”

Lose that Jet Lag

Encharter Insurance — Tue, 30 Nov 2010 18:59:55 +0000

Anyone who travels a considerable distance over the holiday season – or over any season for that matter – knows what a damper a bad case of jetlag can put on a trip. The possibility of the fatigue, grogginess, and discomfort that comes from toying with your body’s sense of time can sometimes be enough for a person to reconsider a trip, especially if the time spent visiting is on the shorter side. However, there is no need to let jetlag get the best of you, because there are ways to combat the syndrome. A recent article by Reader’s Digest compiled a list of surefire ways to lessen the effect of flying across time zones.

The best thing you can do to prep for the change in time is to begin to acclimate ahead of time. Beginning 3 or 4 days before your flight slowly begin to eat or sleep earlier and earlier – or later and later depending on the direction you are headed. This gradual transition will be exponentially less tolling on your body then a sudden change.

If you are especially prone to jetlag you may want to consider forgoing your on flight meal. Airlines serve meals in accordance with the time zone of departure, and therefore eating on the plane can prove to be counterproductive to your transition.

Food can also be used to your advantage however. If sleeping on the plane will be beneficial for your schedule, have a carbohydrate-rich meal before the flight. Science shows that Carbs can help induce sleep which is especially helpful if you are prone to airplane discomfort. After the flight, have a protein rich meal to maximize your alertness through out the day.

Working out for at least thirty minutes a day – especially cardio – while on your trip will also do wonders for how you feel and sleep.

Lastly, reviewing your Lexington MA Car Insurance (especially if you are traveling by car) and Lexington MA Home Insurance can help to put your mind at ease and let you relax this holiday season, whether you will be home or away, knowing that you are protected!

Get more great tips and information by following us on Facebook and Twitter, or check out the line of Lexington MA Insurance coverages we have to offer by visiting us on the web or by calling 888-865-1244.

And remember, at Encharter, “It’s all about protecting you!”

Farmers Market Extravaganza

Encharter Insurance — Tue, 23 Nov 2010 15:52:30 +0000

Head over to the Seasons Four in Lexington on Tuesday the 23^rd for a great chance to get some local ingredients to include in your Thanksgiving Day feast. The Lexington Farmers Market is hosting an indoor market, complete with free hot cider for all who attend.

Local produce businesses from all over the area will be in attendance bearing the best their fall harvests have to offer. Offerings will also include a wide variety of desserts such as chocolates and pies. Many stands will also be selling meats, fish, and breads. Turkeys will be sold by Red Apple Farm and Butterbrook Organic Farm. Support the local agricultural community and get the freshest ingredients for your Thanksgiving Day feast by attending.

As a Partner of Encharter, we are proud of what the Lexington Farmers Market is doing and we would like to say that they’re not the only local small business we’ve partnered with. Check out our Partners of Encharter and see what great deals you can get for places you already love and frequent! Also, keep up with us on Facebook and Twitter for more updates on local happenings.

And remember, at Encharter, “It’s all about protecting you!”

Never forget your Umbrella

Encharter Insurance — Wed, 17 Nov 2010 21:37:32 +0000

Holiday season is almost here and while you’re crazed with looking for recipes (Epicurious is great for this) and the perfect gifts (Black Friday is nearing closer) and it is important to realize that with all the spectacles and celebrations, a certain amount of risk arises and that insuring yourself against this is both fiscally intelligent and responsible. It is important to realize the hazards associated with having parties and houseguests, especially if you are serving alcohol, your walkways are icy, or any other common risk is present.

Taking safety precautions is always a recommended measure in reducing exposure to risk, but a supplemental investment you may want to look into is the purchase of Lexington MA Umbrella Insurance. This type of insurance is a great idea because it can be used to supplement any of your Lexington MA Home Insurance, Lexington MA Auto Insurance, or Lexington MA Business Insurance needs. Essentially umbrella insurance can be used to increase the liability limit on any of your existing policies. Also known as excess liability insurance, this product can also be used to cover any claim that is not covered by your existing insurance policy.

So call one your local Encharter Insurance agent at 888-865-1244 to learn more about umbrella insurance and how it can provide you the extra coverage you may need, or visit us at www.encharter.com to see our full line of insurance products.

And remember, at Encharter, “It’s all about protecting you!”