Phil Richard Insurance Blog & Community News

Tips To Avoid Wildlife Collisions 

Tips To Avoid Wildlife Collisions 

The Insurance Institute for Highway Safety (IIHS) explains that from 1975 to the mid-2000s there was a general upward trend in deaths from wildlife collisions, but this trend has leveled off over the past decade. About 20% of motor vehicle crash deaths result from a...

3 Financial Lessons Learned During the Pandemic 

3 Financial Lessons Learned During the Pandemic 

It’s been a year since the world turned upside down. Although the light is shining at the end of the proverbial tunnel, we still have a little ways to go before we can breathe a collective sigh of relief and get back to what will be our “new normal.”  While we wait to...

What Insurance Do I Need For My Business Vehicle? 

What Insurance Do I Need For My Business Vehicle? 

Does your small or medium-sized business utilize a car, bus, or delivery vehicle? Has the pandemic shifted your business model causing you to use a personal vehicle to deliver your commercial or business products or services? If so, you may be considering adding a...

Car Seat Installation and Requirements: Tips & Tricks 

Car Seat Installation and Requirements: Tips & Tricks 

Do you struggle, like millions of new parents across the country, to install your infant or child’s car seat into your vehicle? Do you understand the rules regarding front and rear-facing seats along with the age, height, and weight requirements needed to eventually...

When Is The Best Time to Buy a Car? 

When Is The Best Time to Buy a Car? 

Is there a better time of year, month, or day to buy a car? This answer has been elusive for many who find themselves in the market for a new car. While no one relishes the idea of haggling for the best price for an automobile, there is something to be said for the...

How Loss of Use Coverage Can Help in a Catastrophe 

How Loss of Use Coverage Can Help in a Catastrophe 

Catastrophes happen all too often. Weather events such as tornadoes and hurricanes, fire and smoke damage, and even a burst water pipe can make your home unlivable for an extended period of time. Have you ever considered what would happen to you and your family if...

First Time Home Buyer: What You Need To Know About Insurance 

First Time Home Buyer: What You Need To Know About Insurance 

Buying your first home is one of the most exciting and stressful times in a person’s life. This major milestone is one that is fraught with questions about financing, inspections, and ways to protect your investment. Homeowners insurance is one such way to safeguard...

Hang Up & Drive. How Are Massachusetts Drivers Doing? 

Hang Up & Drive. How Are Massachusetts Drivers Doing? 

Hanging up the phone for Massachusetts drivers may be harder to do than initially expected. Exactly one year ago, the Massachusetts Hands Free Law was passed by the legislature and drivers across the Commonwealth have needed to adjust their behaviors in the car. How...

Can A Pool or Trampoline Impact Home Insurance? 

Can A Pool or Trampoline Impact Home Insurance? 

Are you thinking ahead to the warmer months about encouraging your family to get outdoors more, especially given the months of quarantining we just endured. You may be thinking about a pool or possibly a trampoline to get your young ones moving again. In the insurance...

How Can I Prepare For Winter Driving? 

How Can I Prepare For Winter Driving? 

Driving in Massachusetts is no joke! Between the snow, ice, narrow roads, and monstrous potholes, driving in the New England region is equivalent to an Olympic sport. Take it from us, the way to stay safe during the winter driving months is to take some precautions...

Can A Home Security System Save Me Money On My Insurance? 

Can A Home Security System Save Me Money On My Insurance? 

The pandemic has a lot of us staying in and hunkering down at home. Thankfully, this constant need to be home won’t last forever. The hope of the vaccine and the opening of businesses has us all thinking of the future and a time when we will be out of the house again....

How Can You Avoid Distractions Behind the Wheel? 

How Can You Avoid Distractions Behind the Wheel? 

According to the Centers for Disease Control and Prevention (CDC), there are approximately 2,800 people killed and 400,000 injured in crashes involving distractions while driving annually. These numbers are sad but absolutely preventable.  Distractions behind the...

Is This the Year To Buy Life Insurance? 

Is This the Year To Buy Life Insurance? 

This strange year has a lot of us doing some deep thinking about what would happen to our families if we should pass due to a disease that we seemingly have little control over. Consequently, life insurance policies have seen a bit of a renaissance.  Last fall, CNBC...

Community Spotlight: The Peabody Area Chamber of Commerce

Community Spotlight: The Peabody Area Chamber of Commerce

Over the past year, we have dedicated a monthly blog to highlighting either a neighborhood nonprofit organization, a local business, or an individual who contributes to the positive culture of our North Shore community. This month, we are taking a closer look at the...