Allston Insurance Agency, Inc.

Allston Insurance Agency, Inc. is here to service all your insurance needs – Protecting you, your family and all your valuable assets. With 20 years of experience, we pride ourselves in excellent customer service and extensive knowledge in the insurance industry. We offer a wide variety of insurance products and complimentary quotes, that can be tailored to your specific needs. With all the recent changes in the insurance world, we continue to maintain competitive coverages and pricing. Please contact us at either of our two convenient locations, and one of our experienced team members will be happy to answer any questions you may have.  Personal Auto  Motorcycles  Commercial Auto  Homeowners  Dwelling Fire  Renters  Condominium Owners  Personal Items  Umbrella  Flood  Boats  Motorhomes  Watercraft  Antique Cars Complimentary Review of Current Insurance Complimentary Insurance Quotes Complimentary Insurance Replacement Cost Analysis of Your Home Registry Service Kevin Fraser Boston Office Kevin has over 10 years experience in the insurance industry and specializes in Auto. Salvatore Lovetere Boston Office Sal has over 20 years experience in the insurance industry and specializes in Auto . He is a Korean War veteran, has served in the US Army and is a former Rotary Club President. He is fluent in Italian. Marie Lovetere Boston Office Marie is the office manager with over 20 years of experience in handling our processing department. She is fluent in Italian. Nanik Yacubian Boston Office Nanik has over 15 years of experience in the insurance industry and specializes in homeowners, personal and commercial lines. She is fluent in Armenian. Julie Denaro Boston Office Julie has knowledge in both Auto & Homeowners insurance. She is currently a junior at the University of Miami Business School and is fluent in Italian & French. Louis Sacco Boston Office Louis has over 20 years of experience in the insurance industry. He is the company’s General Manager and specializes in both personal and commercial lines. He served in the US Navy and is a Vietnam War veteran. Aram Narinian Cambridge Office Aram has over 20 years of experience in the insurance industry and specializes in Auto. He is fluent in Armenian, Arabic & French. Lori Narinian Cambridge Office Lori has over 10 years of experience in the insurance industry. She is the office manager and specializes in homeowners, personal and commercial lines. She is fluent in Armenian. Viviana Damiani Cambridge Office Viviana has over 5 year of experience in the insurance industry and specializes in Auto. She is fluent in Spanish. Commerce The Commerce Insurance Company provides personal and commercial property and casualty insurance in Massachusetts and New Hampshire. Our core product lines include personal automobile, homeowners, and commercial automobile insurance. In Massachusetts, Commerce Insurance is the leading provider of both private passenger and homeowners insurance and is the second leading provider of commercial automobile insurance. Commerce markets our products exclusively through professional independent agents who are conveniently located throughout Massachusetts and New Hampshire. MPIUA The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance. National Flood Insurance The National Flood Insurance Program (NFIP) is your primary source for flood insurance in the U.S. If your community participates in the NFIP, you can purchase flood insurance from a licensed private insurance company or independent property and casualty insurance agent in your state. Pilgrim Founded in 1987, Pilgrim is a licensed insurer based in Massachusetts. Pilgrim was the first company in Massachusetts to provide third-party management and operational services to both property and casualty insurers and financial institutions. RLI RLI is a specialty insurance company that has been successful for more than 40 years. RLI is a diversified portfolio of property and casualty coverages and surety bonds serving ‘‘niche’’ or underserved markets. Travelers Travelers offers a broad array of property and casualty insurance solutions from small "main street" businesses to Fortune 100 corporations. Massachusetts Registry of Motor Vehicles Massachusetts Motor Vehicle Sales/Use Tax Forms Automobile Insurers Bureau of Massachusetts Checkpoint Insurance Inspections Edmunds Car Buying Guide Kelly Blue Book Car Values Massachusetts Division of Insurance Insurance Information Institute (III) National Flood Insurance Program Personal Umbrella Identity Theft Flood Why do I need a Personal Umbrella policy? Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy. A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have. Consider the following example: One evening a 17-year old took his parent's car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million. With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected. In today's society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune - but it probably would not give you the needed protection against a catastrophic loss. Identity Theft Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner's policy to protect yourself from the high cost of restoring your name and credit. Each year millions of Americans fall victim to Identity Theft and may spend months - even years - and their hard-earned money restoring their good names and credit records. Your doors and windows may be carefully locked, but identity thieves know no bounds. For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission's Web site by clicking on: http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/about-identity-theft.html What is a flood? Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following: Overflow of inland or tidal waters Unusual and rapid accumulation or runoff of surface waters from any source Mudflows Collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood What does a Flood Policy cover? Residential Building Coverage Building coverage insures a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators. Residential Contents Coverage Contents coverage insures most of your personal property and belongings, including: Clothing Furniture, housewares, bedding Decorative items, lamps and lighting fixtures Books, home electronics Area rugs and draperies Clothes washers and dryers Air conditioners Food freezers and the food in them Portable microwave ovens Coverage in Basements Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as: Unfinished drywall for walls and ceilings, including nonflammable insulation Electrical junction and circuit breaker boxes, and required utility connections Central air-conditioning units Furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps Light fixtures Foundation elements Cleanup However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents. Facts Everyone lives in a flood zone - floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc. Flooding can happen anywhere - about 25% of flood insurance claims come from low to moderate-risk areas Flood damage is not covered by homeowners policies Flood insurance is affordable Flood insurance is available to homeowners, renters, and business owners There is a 30-day waiting period unless you are purchasing at the same time you are writing a mortgage Federal disaster assistance is not insurance coverage - it is a loan that must be paid back There is also an inexpensive preferred rate policy available if your flood zone qualifies Massachusetts Personal Auto Homeowners Dwelling Fire Massachusetts Commercial Auto Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Current Insurance Company Name Expiration Date Annual Premium Vehicle(s) Vehicle 1 Year Make Model VIN Garage Location Odometer Reading Annual Mileage Business Use Age 65 or Older Air Bags Automatic Seatbelts Anti-Theft Device (Alarm) Vehicle Recovery System (Lojack) Public Transit Pass (11 months) Accident Forgiveness Good Student Discount Student Away at School Vehicle 2 Driver(s)   List all licensed drivers in your household. Name on License Date of Birth License Number State Date Licensed Driver Training 1. Yes  No 2. Yes  No 3. Yes  No 4. Yes  No 5. Yes  No 6. Yes  No Coverages Part 1 - Bodily Injury To Others 20/40 Part 2 - Personal Injury Protection 0 100 250 500 1,000 2,000 4,000 8,000 Part 3 - Bodily Injury By Uninsured Motorist 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 4 - Property Damage 50,000 100,000 150,000 200,000 250,000 300,000 400,000 500,000 Part 5 - Optional Bodily Injury No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000 Part 6 - Medical Payments No Coverage 5,000 10,000 15,000 20,000 25,000 50,000 100,000 Part 7 - Collision Deductible No Coverage 300 500 1,000 2,000 Part 8 - Limited Collision No Coverage 0 300 500 1,000 2,000 Part 9 - Comprehensive Deductible No Coverage 300 500 1,000 2,000 Part 10 - Substitute Transportation No Coverage 15/day to 450 max 30/day to 900 max 45/day to 1,350 max 100/day to 3,000 max Part 11 - Towing & Labor No Coverage 50/incident 100/incident Part 12 - Bodily Injury By Underinsured Motorist No Coverage 20/40 20/50 25/50 25/60 30/60 30/70 35/80 50/50 50/100 100/100 100/150 100/200 100/300 100/500 200/200 200/300 200/400 200/500 250/500 300/300 300/500 100/300 500/500 500/1000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Earthquake Coverage Dwelling Information Estimated Replacement Cost Square Footage Year Built Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance Smoke Detectors Central Station Fire Alarm Central Station Burglar Alarm Located within 5 miles of Fire Station Located within 1000 feet of a Fire Hydrant Swimming Pool Trampoline Dogs or Exotic Pets (Note Breed and Bite History) Personal Property (estimated values) Jewelry Furs Fine Art and Collectibles Cameras Musical Instruments Silverware Stamps Coins Golfers Equipment Personal Computers   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Property Location Address City, State, Zip County Current Insurance Company Name Expiration Date Annual Premium Dwelling Coverage Limit Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Personal Liability Limit $100,000 $200,000 $300,000 $400,000 $500,000 $1,000,000 $2,000,000 $3,000,000 $5,000,000 $10,000,000 Dwelling Information Estimated Replacement Cost Square Footage Year Built Number of Floors Number of Families Construction Type Brick or Stone Brick or Stone Veneer Frame Frame with Aluminum or Plastic Siding Superior Fire Resistance   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   Contact Information Name * Company Name Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Vehicle(s) Vehicle 1 Year Make Model VIN Cost New Gross Vehicle Weight Radius of Operation Garaging Type of Use Vehicle 2 Coverages Liability 20/40 50/100 100/300 500/500 1000/1000 Collision Deductible 300 500 1,000 Comprehensive Deductible 300 500 1,000   * required   Disclaimer - We will provide an estimated quote based on the information you provide. Actual premiums may vary due to additional or updated data received during the final underwriting process. A quote does not provide or guaranty insurance coverage. Insurance coverage can only be bound by an authorized agent upon receipt of down payment and signed application.   If you know someone who may need our services we would appreciate the opportunity to offer them our products and quality service. Just fill out the easy form below. Leave an introduction if you wish and send it along to us. Referral Your Name * Your Email * Your Friends Name Your Friends Email Your Introduction   * required   We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you. We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information: Personal information you share with us, such as the information on your application, requested policy change information, questionnaires or other forms you may complete. Personal information about you from your transactions with us over the time you have been a policy holder with us. Personal information about you from a consumer reporting agency, such as the Registry of Motor Vehicles. Personal information you provide or which is obtained during the process of handling a claim, including medical information, such as from an accident report. We do not disclose any personal information about current or former customers to anyone, except as permitted by law. Contact Us Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call Questions/Comments   * required