Putnam Record Insurance Agency

🚴‍♂️ Do I Need E-Bike Insurance? ⚡

You’ve finally got it, the E-Bike you’ve been looking for. You’re cruising uphill like a pro and laughing as you make your way around town with ease. 😎

And it’s insured just like your bicycle. Right? 🤔

Well, mostly. But that isn’t always a good thing. 🛡️

Your regular homeowners policy may not cover your E-Bike in all circumstances, especially if you’re in an accident while riding. Sometimes, even theft may not always be covered. 🚫

That’s why special E-Bike insurance exists. It can cover you for damage you cause while riding, for damage to your bike in an accident, or if it is stolen or vandalized. 🚲

And best of all, it is usually much less costly than an auto insurance policy. 💰

So ride on in style. Just call us to make sure you’re covered along the way. 📞

You’ve heard Medicare Parts A, B, C, & D referenced, but what do they mean—and what do they cover? Find out more here:

Breaking Down the Parts of Medicare Medicare is broken down into four specific parts—but what do they mean? This article will help you understand each piece.

Motorcycle ownership offers a unique sense of freedom and excitement, but before investing in a bike, it’s important to understand both the benefits and challenges that come with riding and ownership.

Pros and Cons of Motorcycles Owning a motorcycle is fun, but you should know the upsides and downsides before you invest. Learn more about the cost of motorcycle ownership.

A backyard pool is the perfect place to cool off and have fun, but following essential pool safety practices helps ensure everyone stays safe in and around the water:

Summer Safety Series - 10 Tips to Keep Your Swimming Pool Safe Owning a pool is a big responsibility. Follow these tips to keep everyone safe and happy this summer.

⏱️ How Long Can Your Business Stay Out of Business? 🤔

Business Insurance policies (also called Commercial insurance) often include Business Interruption coverage. And that’s a good thing, since this coverage keeps the lights on if you have to close after a covered accident.

But is your current Business Interruption coverage enough?

Construction timelines can run longer than they did before 2020. Labor shortages and supply chain bottlenecks are still possible. That specialty equipment you need? It might have a 14-month lead time. 🔧

And here's the math that hurts:

Your BI policy covers 12 months. ✅
Your rebuild takes 14 months. ❌
You pay 2 months of payroll, rent, and operating costs out of pocket. 💸

That gap can be the difference between a business that survives a loss and one that doesn't. 📊

The good news is that a quick call with your agent (hello!) can catch this before it becomes a big problem.

Comment below or send us a DM and check your actual coverage window. 📩

Getting a new roof is a major investment, so understanding the costs involved and what’s included in the price can help you plan and budget with confidence when it’s time for a replacement:

How Much Does a New Roof Cost? A new roof could cost anywhere from $5,000 to $20,000. Learn the various factors that go into roof prices.

Did a power outage stop your well pump? You can still flush the toilet with this tip.

Did You Know This Fact About Flushing the Toilet? Did you know you can still flush the toilet, even if your well pump is stopped.

As the snow melts and spring rains fade, lawn care season begins—follow these safety tips to keep yourself protected while maintaining your yard:

Summer Safety Series: Lawn Care Safety Mowing the lawn is a chore for some and a fun hobby for others. For whatever it might be for you, be sure to do it safely with the help of these tips.

Vocab time: do you know the definition of a term? We’ll spell it out for you:

What is a Term? Do you know what a Term is?

Before skipping your daily walk, keep this in mind: regularly active adults can save up to $2,500 a year compared to couch potatoes.

Year after year, according to a 2025 report in Stronger Life. Think of your exercise routine as the retirement savings that you don't have to drain early.

Drop your non-negotiable habit below.