25 Burncoat Street, Worcester, MA 01605
Phone (508) 853-8080 Fax (508) 853-8800

Enter to Win a Home Makeover, Celtics Style



Arbella Insurance and the Boston Celtics are giving you the chance to have your home driveway and bedroom made over Celtics style!

Three winners will receive their very own Celtics branded home court, a room remodeled PLUS a personal clinic with a Celtics Player or Legend!

Entry Criteria:
–You must be the Home Owner, or have permission of the Home Owner to complete the makeover.
–Include a picture of the driveway to be made over.
–Complete an Essay , under 500 words, why you deserve to have your driveway home court made over.
–Must live within 75-mile radius of Boston

To Enter…Click on the Link Below and visit our Facebook page


Winter Weather Preventative Measures

A Stitch in Time…Saves Nine…

Having a good quality roof rake on hand before trouble accumulates is an easy and inexpensive way to protect your roof from the inevitable harm that snow and ice can cause.

Here are a few Other Winter Related Preventative Measures, on our facebook page, described by Preferred Mutual Insurance, that can actually save you $$ in the long run…



Martin Luther King Jr.

In Celebration of Martin Luther King, Jr., Have a Nice Holiday Weekend!

The Value of an Independent Agent

There are many benefits to having an Independent Insurance agent, including:

–They can walk you through the processes of buying Insurance and ensure you’re getting the coverage you need with all the right Discounts.
–Excellent Customer Service.
–We Help Clients Compare Multiple Brands and find the Best Value.
–By working with an agent, you have an advocate who will work with you if you ever have to file a claim.
–Agents are local to you and calling with Questions or coming into our Office for help is always Welcome.

–Referrals are the Ultimate Compliment–
Thank you for Choosing Moynihan Insurance Agency, Incorporated Tel: 508-853-8080

value of an agent

Bundling Your Automobile and Renter’s Insurance Together will give you Discounts on Both Policies…


Check out the article about Renter’s Insurance via Arbella Insurance from Buzzfeed.com on our Facebook page at:


1. Tbh, it should actually be called property insurance, because that’s what it covers: your stuff.

Your landlord has insurance that covers the actual building and structure that you live in; renter’s insurance covers all the stuff you own: furniture, jewelry, clothes, electronics, bike, small appliances, art, etc.

2. You might not think you own a lot of stuff, but you probably can’t afford to replace EVERYTHING if something destroyed all or most of it.

Clothes, pots and pans, furniture, electronics…it all starts to add up quickly.


4. As long as it’s a “covered” kind of loss, your renters insurance will cover your property no matter where the loss occurs.

“Covered” risks usually include theft, vandalism, fire, water damage (but not flooding), and extreme weather events at a minimum.

Laptop get stolen at a coffee shop? Renters insurance will pay. Bike vandalized while parked outside a bar? Renters insurance. Camera stolen on vacation? Renters insurance again.

5. Renters insurance also covers your property when it’s in your car.

Say your car gets stolen and your computer was in it—renters insurance covers that. Or if you’re in a car accident and your camera gets damaged—renters insurance covers that, too. (This is true of homeowners insurance, too. Car insurance covers only the vehicle itself, and sometimes injuries.)

6. The average cost of renters insurance is pretty low, around $10-20 a month or $100-200 a year.

The exact amount depends on where you live, how much stuff you have, the company you use and your deductible.

7. Almost all renters insurance policies cover the same things, so it’s fairly easy to shop around for the best rate.

NerdWallet has a great breakdown of different companies and the benefits they offer here.

8. If you already have car insurance, you can usually get a discount on renters insurance from the same company.

It’s called “bundling” and it can save you a little on your monthly premiums. It could even make the cost of your car insurance go DOWN because there are redundancies in coverage.

9. The best kind of coverage is “replacement cost coverage.”

Renters insurance has two types of coverage:

Actual Cash Value is cheaper, but it only covers the depreciated value of your stuff based on the condition it’s in and when you bought it. For things like laptops, this will be significantly less than you paid.

Replacement Cost Coverage is more expensive but it will cover the current cost to get you a new version of whatever you lost.

 “Replacement cost coverage is the only option that will actually do that,” Amy Danise, Editor at Nerd Wallet told BuzzFeed Life.
10. The deductible is for each claim you make.

Unlike health insurance, where you often have a yearly deductible, your renters insurance deductible is for each claim that you make. So if your computer gets stolen in May and your clothes are all ruined by a fire in July, not only have you had a shitty year, you’ll also have to pay your deductible twice. That’s why a lower deductible is usually worth paying a slightly higher premium.

11. The default deductible is usually $500, but you can opt for a lower one or contact your insurance rep to get it lowered.

On average, the monthly premiums are raised $1 a month or $10-12 a year for every $100 you lower the deductible.

12. Most plans have a maximum limit for each kind of item.

Jewelry, watches and computers, for instance, are only covered up to a certain amount, usually around $1,500. And for those who work from home with expensive equipment, there’s usually a limit on that, too. You can buy an addition to the plan, called a “floater” or “rider,” if you want to insure something particularly of value.

13. Up to 2 unrelated roommates can usually be put on a single policy, even if they’re not both on the lease.

But no matter whose stuff is damaged, claim checks will be made out to both roommates, so you better have a good relationship. And theft by a roommate is not covered.

 14. If you live in a dorm, your parent’s homeowners or renters insurance will still cover your property.

Since you’re still technically part of your parent’s household while you’re in college, you don’t need your own insurance for the stuff you keep in your dorm.

15. If you have to leave your home for a covered risk, renters insurance will pay for all your expenses while you’re out.

So if there’s a fire and you have to leave, they’ll pay for hotel, food, laundry, childcare and other expenses that arise because you’re away from home.

16. Renters Insurance includes liability coverage for if someone gets hurt in your home.

If your dog bites someone, your renters insurance would cover the medical costs you would be responsible for, including medical and legal fees up to a certain amount. (If you own an “aggressive” breed, this might not be covered—check before you buy your policy.)

17. Renters insurance covers a lot of other things: identity theft, lost luggage, a power surge that fries your electronics.

18. There’s one big scenario that isn’t covered: when you rent or sublet your place.

So if something happens to your stuff when you AirBnB your rented apartment, that’s not covered by your renters policy.

19. Before you get renters insurance, you should make a ‘home inventory’ of all your stuff.

Not only will this help you know how much property you need covered, it will also make it easy to file a claim if you ever need to.

The quickest way to do this would be a video: go through each room of your house and film the stuff, including inside drawers and closets. That way you have proof of exactly what you own. It doesn’t hurt to have still photos and receipts for everything, but a video will also do the trick.