Exchange Insurance Agency

As we announced at the end of January, Exchange Insurance is now part of FBinsure! We encourage our followers to continue to keep up with us by liking and following FBinsure page, linked below. This page will be closing in April.”

https://www.facebook.com/BeyondInsuring.Ensuring

FBinsure ⚠️ File a claim 24/7: ⚠️
Call 508-824-8666, follow prompts for CSR24.
Serving MA & RI with 100+ insurance pros for all insurance needs. A division of Patriot Growth Insurance Services
(PGIS: CA License , FBinsure: CA License #6006491)

Your state may or may not require homeowners insurance, but your mortgage lender typically will require coverage in order to provide a home loan. Even if you own your home outright and you are not required to buy homeowners insurance, it’s still a good idea to protect your investment with an insurance policy.

If you owe money on your mortgage and your home is completely destroyed, you will still be required to pay your home loan, unless you have adequate homeowners insurance. Homeowners insurance can help pay for the rebuilding cost. If you insure your house at full replacement cost value, you will have the means to fully rebuild, if needed.

Courage is resistance to fear, mastery of fear, not absence of fear. Mark Twain

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected.

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, and owners of public and/or private construction projects.

Product liability insurance protects you in case a product you produce or provide causes harm to a user or a user's property. A "product" is anything that is tangibly used, touched, or consumed. This type of insurance is recommended for every business that manufactures a product but is especially important for companies that produce food, clothing, toys or anything else that could conceivably cause harm to someone.

In every walk with nature one receives far more than he seeks. John Muir

Comprehensive Auto Insurance Coverage pays to repair your car after animal collisions, and also covers a specific list of noncollision issues — including car theft, falling objects and fire, among others. Typically required with an auto loan.

Auto Insurance Gap Coverage is if your car is totaled or stolen, pays the difference between its dollar value and your remaining auto loan balance, if the balance is the higher number. Sometimes required with an auto loan.

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.