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

Fire Pit Safety

As the 4th of July Approaches which Goes Hand and Hand with Smores and Bonfires…keep these Helpful Tips in Mind For Fire Pit Safety…And Have a Great long weekend from Moynihan Insurance!!

Fire Pit Safety

Whether you’re at your favorite camping spot or in the comfort of your own back yard, owning a fire pit can give you perfect marshmallows all summer long. But you don’t want to be “that guy” in the neighborhood who burns his favorite tree down! Follow these helpful tips this summer to practice fire safety.

Light ‘Em Up

Who doesn’t love sitting around a fire, roasting marshmallows and sharing stories? Fire pits are a great addition to the back yard on a cool summer night, but they can also be dangerous. 5,000 Americans are injured by back yard fires every year.

Doesn’t matter when I build it, right?

Wrong! Watch out for wind, dry weather, and other perilous conditions. And keep your head up! Are there low tree branches above you? This is a big “no-no”—the last thing you need is for the sparks to catch on nearby trees.

Are your kids addicted to S’mores?

Let’s be honest, who isn’t? But you don’t want them getting too close. A good rule is to establish at least a three-foot “kid-free zone” around grills and fire pits. Teach your kids and their friends to follow this rule… unless you want “s’more” accidents!

Burn, Baby, Burn!

But not just any wood! Avoid soft woods like pine or cedar, which can snap, crackle, and pop. Never burn treated wood like the kind used for fencing or decks – they can leave toxic metals in the ashes and are illegal everywhere.

Now how do I put it out?

Go ahead and hose down the fire until it is completely soaked, then hose it down some more. Let it sit overnight—while you sleep comfortably knowing your backyard is fire-safe—and dispose of the ashes in the morning in a metal container. You’ve had a great evening, but don’t forget to end it safely!

Happy Summer and Helpful Tips

With Summer officially Upon us, wanted to wish You and Your Family a great, safe and Happy Summer from Moynihan Insurance Agency, Inc.!
‪#‎tipstuesday‬ ‪#‎makingthemostofsummer‬ ‪#‎safetytips‬

Check out this new Summer interactive flipbook via our facebook page, covering Tips including Water Vessel Safety, Car Rentals, and great Tips for Keeping Your Home Safe while vacationing!
Have a great week!


Personal Umbrella Insurance

If you live in Massachusetts and are looking for protection that’s over and above the limits of a traditional policy, consider Personal Umbrella Insurance. It’s a surprisingly affordable way for you to build more coverage onto your underlying car insurance or home insurance policies.

Whether you have questions or would like to get started on a personalized umbrella insurance policy immediately, contact Moynihan Insurance Agency, Inc. today!! We are always here to help.

Have a great week!
‪#‎TipTuesday‬ ‪#‎Umbrellainsurance‬ ‪#‎extraprotection‬



Solar Panels

Considering Solar Panels?…
Check out this Informational Sheet via our facebook before you get started!


Via Arbella Mutual Insurance:

Solar Panels

What’s your favorite activity on a warm, sunny day? Maybe it’s going for a run, playing Frisbee, or just sitting outside with a magazine to catch up on the latest gossip on the Kardashians. When you’re enjoying the weather, it’s easy to forget how much energy is coming down from those rays. Solar power is becoming an increasingly popular topic, and you may even be considering having solar panels install on the roof of your home. But there’s one question everyone’s asking: are they covered by my insurance policy?

A panel of your own

When you own the solar panel, you’re responsible for insuring it. Okay, that makes sense, right? But how do you get it insured? There’s no specific insurance product for a solar panel, like there may be for your shed or boat. Instead, you just have to raise your home insurance by the amount that the solar panel is worth. Talk to your independent agent to discuss the ins and outs of insuring your owned solar panel.

At least you can lease

When you lease the solar panel, the leasing company takes responsibility for insuring the solar panels. That’s even easier! But there are some caveats to leasing. For example, if you have a leased solar panel and then try to sell your home, the leasing company may have the right to approve the new buyer. What does this mean? Well, it could potentially block the sale of your home. You better hope the potential buyer has their ducks in a row.

How safe is it?

You may have heard that firefighters won’t go on the roof of a burning building that has solar panels. Here’s the deal: when you turn off the power to the house, the solar panels are still charged with live electricity, which is shocking to say the least. That being said, many fire departments are being trained on dealing with solar panels. Check with your local fire chief to see how they’re being handled in your town.

When it comes to solar panels, it’s important to do your homework before making any decisions. As always, the best place to start is talking to your local, independent agent- a knowledgeable resource you can trust!

Or, to learn more about the Massachusetts Solar Loan Program visit:


Keep enjoying that sunshine and have a great week from Moynihan Insurance Agency, Inc.!!




Summer Safety Tips

As Summer is Quickly Approaching…
Check out this Summer Infographic for Great Ideas!..
Including Tips on Thunderstorms, Family Vacations, Safety By the Fire, and Home Swimming Pool Safety.
Have a Great Summer from Moynihan Insurance Agency, Incorporated Tel: 508-853-8080

Summer Tips