OceanPoint Insurance, an RI insurance agency, offers homeowners insurance from the top insurance carriers; and a range of financial services.

Summer is here. It’s the perfect time to take that well deserved vacation with your family or friends. Vacation is a time meant for rest and relaxation. However, whether you are going on a short overnight weekend trip or taking a vacation extravaganza, leaving your home unattended can be risky.

Below we offer you some tips on how to keep your home safe while you’re away on vacation.

  • Don’t announce your travel plans on social media and wait until you return to post pictures.
  • Ask a neighbor to pick up your mail and newspaper so it appears someone is home.
  • Install timers for both interior and exterior lights and preset them to go on at night.
  • Install motion sensors in the front, back, and side of the house that cause the lights to go on when movement is detected.
  • Unplug unnecessary appliances. A toaster, coffee machine, microwave, television, or computer is still using energy even when it’s not in use.
  • Turn off the main water valve to avoid a burst pipe or flooding.
  • Give a trusted neighbor your vacation itinerary, contact info of where you will be staying and how you can be reached.
  • Neatly cut your shrubbery so the interior of your home is visible and burglars can’t hide undetected.
  • Arrange to have your lawn mowed (or snow shoveled during the winter) while you are away.
  • Ask a neighbor to set out your trash on collection day and then retrieve empty cans the same day.
  • Never leave your house key hidden outside your home.

Following the above steps will ensure a worry-free vacation. As long as you prepare in advance you can have peace of mind knowing your home is safe as you relax this summer.

Call OceanPoint Insurance at 847.5200 for more helpful tips on how to keep your home and your family safe.

shutterstock_119265961Did you know June 1st marked the beginning of hurricane season? The 2014 hurricane season has arrived after last years unusually quiet season, which was the first since 1994 not to have a single Category 3 or stronger storm. Since even the experts are unsure what 2014 has in store, it’s important to have the appropriate insurance protection in place now.

In order to prepare you for unpredictable storms and help you recover from the aftermath, we offer you the following tips:

  • Make copies of important documents, such as insurance policies, the deed to your home, and a home inventory.
  • Create an emergency supply list.
  • Review your evacuation route and emergency shelter locations with family members.
  • After a storm, report any damage to your insurance agent, explain your overall situation and ask any questions you may have, such as: Am I covered; How long will it take to process my claim; Do I need to obtain estimates?
  • Do not return to your home until local authorities authorize you that it is safe.
  • Look for any structural damage to the foundation, porches, stairs, and overhangs.
  • Make temporary repairs to prevent further damage and save receipts for any material you purchase.
  • Take photos of any damaged items before you make any repairs.
  • Make lists of anything that is damaged and include information, such as brands, model numbers, location of purchase, when it was purchased, etc.
  • Keep copies of all lists and documents you submit to your insurance agent, and anything your insurance agent provides you.

While Mother Nature is unpredictable, you can take steps to ensure you and your loved ones remain safe and damage is mitigated. It is crucial you review your homeowners and flood insurance policies so you are fully aware of what is covered in the event of a natural disaster.

Call your OceanPoint agent at 847.5200 for a complimentary policy review and be ready for whatever life brings.

shutterstock_4589980The warm weather is here and summer is rapidly approaching. We are all eager to enjoy those summer toys with family, especially after the rough winter we’ve had. No matter how you choose to travel it is crucial you secure proper insurance protection.

At OceanPoint Insurance, we urge you to review your insurance policies to be certain they will protect you for another summer of fun and adventure. Your current policy may not fully protect you against theft, damage or accident; therefore we encourage you to talk with your OceanPoint agent to ensure everything is properly insured.

We provide insurance protection for:

  • Jet Skis
  • Motorcycles
  • ATV’s
  • Boats/Yachts
  • Motor Homes

We also offer additional coverage for equipment and property, including bodily injury liability, coverage for guest passengers, and property damage liability.

Call OceanPoint Insurance at 847.5200 to review all of your coverage options and ensure you’re covered for all seasons.

shutterstock_37537042Spring is here, meaning the rainy season has begun, which poses risk for flooding. Floods are one of the most common hazards in the United States, so it’s important we prepare for the potential disaster.

The average waiting period for a flood insurance policy to take effect is 30 days, so act now before it’s too late.

Flooding is common in our area, and there are a variety of ways floods can develop. Some develop slowly, while others such as flash floods, can occur within a few minutes or hours of excessive rainfall. Excessive rainfall can cause overland flooding, which is when waterways such as rivers or streams overflow. The resulting water flow can exceed the capacity of underground pipes or the capacity of streets and drains, which can flood surrounding areas.

With the change in weather already approaching, it’s crucial you make sure you and your family are protected. We urge you to maximize your protection plan by investing in flood insurance to mitigate the potentially large price tag that comes with flood damage for uninsured.

Many homeowners find out the hard way that a basic home or rental policy does not cover damage from flooding. If your home were to fall victim to flash flooding or excessive rain, your homeowners insurance policy would not pay for any repairs. Even if your property is not located in a designated high-risk flood zone flooding incidents can happen anywhere, anytime. According to the National Flood Insurance Program (NFIP), about 25% of all flood insurance claims are from areas that are not deemed high-risk.

We encourage you to talk to your OceanPoint Insurance agent about adding a flood insurance policy today to ensure your home and its contents are safe.

Call OceanPoint Insurance today at 847-5200, for more information on your flood insurance options.

In addition to preventing frozen pipes, be sure you have an emergency kit both at home and in your car filled with supplies in case of a large storm.

Your emergency kit should include:

  • Rock salt to melt the ice.
  • Kitty litter or sand to build traction.
  • Snow shovels and snow removal tools.
  • Sufficient heating fuel. You may become isolated in your home and regular fuel sources may be cut off. If you have a fireplace or wood-burning stove be sure to have a good supply of dry, seasoned wood.
  • Adequate clothing and blankets to keep you warm.

About 70% of winter deaths related to snow and ice occur in automobiles.

Here are some tips to for safe driving during winter conditions:

  • Keep your gas tank full.
  • Install good winter tires with adequate tread.
  • Keep a windshield scraper for ice and snow removal.
  • Keep your windshield wiper fluid filled.
  • In the event your car begins to spin out of control, here’s what you should do:
    • Don’t slam on the brakes.
    • When you begin to skid, take your foot off the gas and shift to neutral, quickly, then steer in the direction you want your car to go.
    • Before the rear wheels stop skidding, shift to drive and gently press the accelerator.

Avoid driving during heavy snowstorms and very icy conditions. However, if you must drive, take all the proper precautions to ensure you and your family’s safety.

Call OceanPoint Insurance at 401-847-5200 for more information on how to keep your loved ones safe. 

At OceanPoint Insurance, we want to make sure you’re properly educated on how to prevent loss and damage to your home. With the cold New England weather occurring today, it’s important you know what steps to take in order to ensure your home is prepared for winter weather.

Frozen pipes are very common and can lead to extensive water damage. However, this common occurrence is also highly preventable. While sudden and accidental water damage from plumbing systems is covered under most standard homeowners insurance policies it is always best to take precautions to avoid loss entirely.

Frozen pipes mostly occur when temperatures are 20°F or below and pipes in attics, crawl spaces and outside walls are the most vulnerable to freezing.  

Here are some tips to prevent frozen pipes in your home:

  • Leave the heat on in your home to a minimum of 55ºF during bitterly cold conditions.
  • Insulate vulnerable pipes that are accessible with insulation sleeves or wrappings which can be purchased at a local hardware or plumbing store.
  • Cracks and holes in outside walls and foundations near water pipes should be sealed with caulking to keep cold wind away from the pipes.
  • Use all of your plumbing fixtures at some point during the day to keep water flowing.
  • Drain and then cover all external faucets.
  • Keep the indoor faucets running at a slow drip to maintain water flow.

If you experience extensive water damage, turn off the water supply as soon as possible.

Call OceanPoint Insurance at 401-847-5200 for more tips on how to keep your home protected this winter.

RI valuable property insurance

Valuable Property Insurance

Plan on giving the gift of luxury this holiday season? Are you expecting an expensive piece of jewelry? Well, it is important that you know how to properly protect all of your jewelry and other valuable items during the gift-giving times by the use of valuable property insurance.

Most standard homeowners policies protect your home and the items you own inside, but only up to a certain dollar amount. To insure your valuable items, you can purchase an extension or a “rider” that can be added on to your renters or homeowners policy to protect against theft or loss.

It is crucial you have your gift appraised because it’s important to know exactly how much your jewelry is worth to make certain you’re adequately insured. The value of a piece of jewelry depends on many factors, such as condition, age, color and clarity of the stones and the style.

You should also remember to keep any receipts that show the date you bought the piece, how much you paid for it, and where you purchased it. This should also be kept with a photograph of your item.

For more information on  valuable property insurance coverage in Rhode Island, please contact OceanPoint insurance today! 

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During spring storm season, it’s shocking how quickly your home can become an insurance claim. Heavy rains and  hurricanes rarely provide much advance warning. If storm damage hits your home this season, the insurance company may not pay for your belongings if you can’t prove what was lost.

Do yourself a favor and create a home inventory. Simply shoot video or photos of everything you own. (Don’t forget your clothes and shoes, which can really add up!)

Then, store the photos, data files or videotape in a fireproof safe. Make a copy for your safe deposit box, if you’ve got one. It’s also smart for you to save or photograph receipts, owner’s manuals or other proof of purchase of valuable possessions.

Having a home inventory can mean thousands of dollars to you, should your home be damaged by a storm or other catastrophe. You have worked hard for your home and possessions, and you will never regret making the effort to keep track of them. It’s time well spent for a time you hope will never come.

At OceanPoint Insurance Agency, we have built our business by helping our customers be prepared for unforeseen events. Call us at 401-847-5200 today if we can help you in any way.