Based in Brighton for 80 years, we have been providing experienced property and casualty insurance
services to clients throughout Massachusetts. Additionally, we are licensed in numerous other
states, including New Hampshire and Florida, which allows us to provide unique insurance coverage
for vacation homes, rentals and second homes. Our company provides ongoing services that monitor how
well your policies are meeting your personal and financial expectations. Due to our relationships
with multiple insurance companies, we are able to offer competitive pricing on all policies,
including car and rental insurance. We are also available to discuss credits or discounts with you
and to update your policy when your situation changes.
Keywords
homeowners insurance,
auto insurance,
insurance agency,
renters insurance,
Insurance company,
Landlords Insurance,
Car Insurance,
Boat Insurance,
Motorcycle Insurance,
RV Insurance,
Business Insurance,
Personal Insurance.
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The state of Massachusetts requires all drivers to carry car insurance. This has led to an increasingly competitive insurance market. With numerous companies providing various rates and coverage, it can be easy to get lost in the numbers. With 80 years of experience guiding drivers through the insurance maze, we know how to efficiently identify the most effective policy for each individual or family.
We at F.I. Patnode Insurance have focused our efforts on providing competitively priced and deeply discounted car insurance policies to drivers in and around the Brighton area. Our knowledgeable personnel are committed to providing you with the right policy for the right price.
Understanding Massachusetts Auto Insurance Policies
Over the years, our agency has connected with numerous insurance companies, which allows us to compare car insurance quotes, policies and premiums. We can compile a comparison report and explain to you the costs and benefits of each option available to you.
Often, we receive questions from individuals about what they get in return for the premiums they pay. While the answer depends based on the company and policy you choose, the overarching cost of the premium provides coverage for property damage, bodily injury, and uninsured/underinsured motorists.
Additionally, each policy offers various benefits, including:
Replacement cost coverage on new cars
Trip interruption coverage
Rental replacement beyond 30 days
Lockout service
Other benefits can including bundling services and multi-policy insurance discounts. In addition to providing car insurance policies, we also help individuals and families obtain coverage for boats, RVs, motorcycles and other automobiles.
Discounts that Lower the Cost of Auto Insurance in Massachusetts
There are several discounts that can apply to any single car insurance policy , including:
Advanced driving training discount: After passing an advanced driver course such, as one on defensive driving, you can request an additional discount on your auto insurance premiums.
Airbag/auto seatbelt discount: You can get a discount if you have any passive restraint devices in your car.
Annual mileage credit: This applies if you put less than 5,000 miles on your vehicle over the span of a year.
Antitheft device discount: If you have an antitheft device installed in your automobile, you may be eligible for a credit.
Good student discount: Young drivers who carry A or B averages qualify for this discount through most insurance companies.
Hybrid car discount: You can get receive a discount on your premiums if you have either leased or purchased a hybrid vehicle.
Multiple vehicle increased discount: Most companies offer multi-policy discounts if you insure more than one vehicle in a single household.
Loyalty credit: This discount applies once you renew your policy.
Paid-in-full discount: If you pay your full annual fee at the beginning of the year, you can receive a discount on your premium. This discount can vary between companies.
Public transit/T-Pass credit: Several insurance companies offer discounts to individuals who take public transit when commuting to work.
Senior discount: Senior citizens are mandated discounts by the state of Massachusetts. If you are not receiving one currently, but believe you should be, discuss this with our dedicated professionals.
Going Beyond Car Insurance
In addition to offering a variety of car insurance coverage, we can provide comparison quotes of various auto insurance policies:
Boat insurance: You can purchase both boat injury and boat liability insurance coverage that will protect you against loss or injury to others. Property most often covered against loss includes the motor, oars, fuel tanks and life vests. Protect yourself against theft, fire and collisions — compare boat insurance premiums across various insurance companies.
Motorcycle insurance: We will work with you to identify the best motorcycle insurance, not the cheapest, to protect you and your ride. Additionally, we can research all possible discounts that may apply to your situation, including those involving insuring more than one bike or for drivers completing motorcycle safety courses.
RV insurance: Protect your motor home and your family by purchasing RV insurance. We can compare policies with you in our office or you can request an insurance quote online. RV insurance also applies to travel trailers and campers.
Snowmobile insurance: Like other auto insurance policies, you can obtain snowmobile insurance to protect against property damage, bodily injury and collisions. Additionally, many policies provide roadside assistance when those fun snow days do not go as planned.
If you are like other homeowners, your home is your most prized possession. You do not want to trust the protection of your home to a random company with insurance policies you do not understand. You want to find an agent who can help you compare policies, ratings and quotes to ensure you are getting the best policy.
At F.I. Patnode Insurance, we know how important your family and your home are to you. As a family business passed down from generation to generation, we place high value on personalized services and tailored insurance policies that truly meet the needs of each of our customers. We take the job of securing your personal investment to heart.
Comparing Quotes and Maintaining Updated Insurance Coverage
As independent agents, we are not restricted to offering policies from a single insurance company. We take the time to get to know you, your concerns and your goals. We then take that information and review home, personal and umbrella policies across numerous companies to ensure we find the right policy for you. We also review your policy on an ongoing basis so we can adjust your coverage when your needs or situation change.
Homeowners Insurance Costs, Discounts and Credits
One of the most confusing aspects of homeowners insurance for many first-time home buyers is the value the insurance company places on your home. The value is not the price you paid for your home, but is instead the cost associated with fully replacing your home should you need to rebuild it. We will compare home insurance quotes across the industry to make sure you are not paying too much for your coverage. We will also evaluate each quote for the discounts and credits provided to you, including:
Fire and burglary alarms
Non-smokers credit
Multi-policy credits
New home buyer discount
Loyalty credits
At F.I. Patnode Insurance, we put 80 years of experience in the insurance industry to work for each of our clients. We also bring the benefit of being licensed in numerous other states, including Florida and New Hampshire. Whether you own a vacation home in the Keys, a second home on the Cape or a rental in Beacon Hill, we have you covered.
Cutting the Costs of Second Home Insurance
The initial cost of second home insurance often shocks our clients. However, there are discounts that apply to a variety of coverage options.
Common second home insurance discounts include:
Bundling: If you bundle all of your homeowners insurance policies with us, you can often receive a second home insurance discount or a multi-policy discount.
Installing security systems: One reason why insurance for second homes can cost more than your first home has to do with the fact that most second homeowners do not spend as much time in their second homes. The time left unattended opens the insurance company to greater risks, such as theft or fire. Installing a security system, and running it when you are not present, can help lower that risk for the company.
Renting out your second home: Having tenants rent your home when you are not using it can lower the cost of your insurance, as this also lowers the risk for the underwriter.
For a reliable quote for insurance that properly covers your needs while also fitting into your overall budget, reach out to our reliable insurance professionals today. We will compare coverage across various carriers to ensure you get the right policy for you.
Insuring Second Homes in Massachusetts, Florida and New Hampshire
As a renter, you want to feel secure in knowing that your personal belongings are protected against loss. As independent insurance agents, we at F.I. Patnode Insurance can help you compare renters insurance quotes across numerous companies to help you find the right policy for you.
For 80 years, we have helped individuals and families throughout the Brighton area insure their personal belongings and protect their homes against losses caused by theft, fire, smoke damage and vandalism.
Helping You Identify How Much Insurance You Need
Most renters think they do not need insurance since they do not own their homes. However, all it takes is a quick inventory of your apartment or condo to see that your belongings add up in value. For instance, if you open your closet and count your suits or dresses, shoes and jeans, you might be surprised to see you own clothing valued at nearly $5,000. If you own jewelry, an entertainment center complete with flat-screen TV and numerous movies, that $5,000 increases quickly.
We encourage our clients to complete a full inventory of their leased apartments, condos or houses. Take pictures of highly valuable items, such as jewelry and furs. Create a comprehensive list of items from your kitchen, bedroom and living room. Then bring those items to our Brighton office to begin discussing your renters insurance options. Or complete our online request form to obtain a renters insurance quote.
Renters Insurance and “Loss of Use” Coverage
A unique aspect of many renters insurance policies is that they protect against permanent loss of a rental unit. For example, if your apartment is destroyed by a gas explosion, your renters insurance could cover a temporary home and meals for you until you find a new place to live. We can discuss this type of coverage with you to determine if it should be worked into your policy.
Contact Us to Learn How to Insure Your Personal Property
Contact F.I. Patnode online or call us at 617-787-1400 or toll free 800-696-1404 to learn more about renters insurance and how it can help you. We can provide comparison quotes that provide you with various cost options and explain why sometimes the cheapest insurance is not really a bargain.
As a business owner, you want to do everything possible to manage and minimize risk to yourself and your investors. It is important to work with an insurance agent who not only understands general business owner packages, but also more unique insurance coverage, such as condo master policies.
At F.I. Patnode Insurance, we have decades of experience working with various commercial companies. From small businesses, such as pizza parlors and salons, to condo owners and artisan contractors, we provide personalized commercial insurance policies to businesses throughout the Brighton area and Greater Boston. For a business insurance quote that matches your needs and meets your bottom line, reach out to our agency.
Massachusetts Business Property and Commercial Vehicle Policies
We focus our insurance services on providing packages that are uniquely tailored to each business owner’s needs. We take the time to not only compare costs and provide quotes on coverage you think you need, but we also include quotes for protection against risks you may not yet have considered. Your business insurance packages may include:
Investment property
Commercial vehicles
Workers’ compensation
Business owner packages
Condominium master policies
Umbrella liability
In addition to commercial property policies, we also insure bonds and provide general liability coverage. Discuss your commercial insurance needs with our professional personnel today.
Call Us to Get a Commercial Business Insurance Quote
Whether your business is small or large, our knowledgeable agents can select a policy that meets all your goals at a competitive price. Contact F.I. Patnode Insurance online or call us at 617-787-1400 or toll free 800-696-1404 to learn more about how we can help you.
Landlords have great responsibility to their properties and their tenants. This responsibility can lead to extensive personal and financial liabilities if the proper insurance is not place.
At F.I. Patnode Insurance, our dedicated professionals provide comprehensive property owner insurance to commercial and residential landlords throughout Massachusetts. Over 80 years and through three generations, we have gained substantial insight into the insurance industry that can be of great use to our clients. From second-home rental policies to multi-property policies, we have access to the coverage you will need to protect your investment property and your own liability.
Landlords Insurance: The Basics
Landlords insurance, sometimes referred to as rental dwelling insurance, covers the rental unit, as well as any personal property provided by you for tenant use. In addition to protecting against property damage or loss, landlords insurance may help cover attorneys’ fees and other related legal costs in the event of a lawsuit. Additional coverage for lost rental income can also be added to most policies.
We offer the following services to residential and commercial landlords:
Reviewing existing policies
Supplementing existing coverage
Creating new condo master policies
Seek our advice for a free quote. Our knowledgeable agents are ready to evaluate your situation to provide you with a business insurance plan that meets your expectations and fits within your budget.
Discuss Your Commercial Property Insurance Needs with Our Professionals
To learn more about the services we provide to landlords in Brighton and throughout Greater Boston, contact our insurance agency online. You may also reach us at 617-787-1400 or toll free 800-696-1404.