Blog :: 10-2012

Revisiting Q and A With Local Insurance Agency Rush-Kent

Back in August we had an in-depth Q&A with Rush-Kent Insurance, a local Arlington insurance agency. It began like this:

 

There are a lot of unknowns in the world, and while you can't predict a freakish storm that knocks down trees and floods the streets, you can do your best to protect yourself and your home in the 'whats' and the 'ifs' of life.

Freakish storm indeed. Given the clean-up that is underway across much of the region, many people are raising questions regarding their own insurance policies, or the policies of loved ones in harder hit areas.

In the Q&A, Paul Kent broke down some insurance questions for us, including:
·         The top three insurance policies every homeowner should have
·         When and why to check for gaps in coverage
·         How much insurance is too much (or too little?)

We thought we'd revisit some of the more relevant questions from this article for people looking to get a handle on their insurance policies.

 

We have had two damaging microbursts in Arlington within the past two years. Have you seen, or do you expect to see, a rise in requests fo homeowners insurance as a result?
While most property owners already have insurance for their home, events like this serve to remind everyone of the importance of their coverage, and why it is important to review it periodically. I urge everyone to read their policy - I know it sounds crazy, but discovering a gap or inadequate coverage is better if it happens before a claim!
Are there any area-specific insurance policies that you recommend for people in town (i.e., flood insurance near Spy Pond? Extra coverage for older homes? Damage from snow-related incidents, etc.)
Many are not aware that flood, for example, is not covered by a homeowners policy. We recommend flood insurance to everyone because we can't predict what will happen. In some areas, flood insurance will be required by a mortgage lender due to a higher potential for flooding. Earthquake is another peril not automatically included in homeowners insurance - though this can be added to a homeowners policy for a small additional cost.
Older homes can present unique coverage issues depending upon the amount of updating they have undergone. Adequate coverage for additional repair or rebuilding costs due to code upgrades is important.
Winter weather can result in costly damage - for example, ice dams. While homeowners policies do normally cover this damage, our agency can provide information about preventing them.

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    Post-Sandy Clean-up Resources

    For those of you in town who have had any kind of wind damage or flooding, we'd like to provide a link to our Home Information Guide.

    The Home Information Guide is a list of trustworthy and reputable vendors and resources to help you with all of your home-related needs.
    ·         Need a handyman?
    ·         A roofer?
    ·         A plumber?
    ·         A contractor?
    ·         An Electrician?
    We've got some recommendations you can trust.
    For regular updates on clean-up and a complete list of town resources, visit The Town of Arlington website and the Arlington Patch.

     

    A Home Seller's Guide to Storm Preparedness

    As they say, hope for the best but prepare for the worst. Everyone should prepare when a storm is approaching - and there are plenty of places to get information on how best to batten down the hatches.

     

    The Town of Arlington has plenty of information, including how to develop a family emergency communication plan, at list Arlington emergency resources, and how to sign up for the Town's emergency alert system (if you haven't done so, this is highly recommended). 

    There is also information available at:

    www.mass.gov/mema

    But people who are preparing their home for sale, or already have their homes on the market have a vested interest in securing and preparing their property.
    Buyers will for sure want to check the house for any water or wind damage - as they should. Over the course of the weekend, we recommend that home sellers check their property thoroughly.

    ·         Clean out the gutters.

    ·         Be sure there are no leaves or debris of any kind blocking the storm drains.
    ·         Secure loose items around the yard - including patio furniture, garbage cans, toys, or any other items that might become airborne in high winds.

    Of course you should always have a few extra batteries, candles, a full tank of gas, cash in your wallet - and it doesn't hurt to have the laundry done and dishwasher emptied.

    If Sandy leaves us alone, at least you'll have some of your chores done ahead of time. Not to mention you'll have buyers happy to see that your home came through unscathed.

    Spotlight: Arlington Home of the Week, 125 Sylvia Street

    East Coast Braces for First Storm Freakout of the Season: A Halloween Snowstorm Hurricane Apocalypse  - Gawker



    "That's right. We are staring down a storm that is more perfect than The Perfect Storm. A storm that got 100% on the quiz and then answered five bonus questions correctly."


    All joking aside, you know by now that there is the potential for a significant storm to hit the east coast (or not) next week. So be smart and use common sense - fill up the gas tank, have cash on hand, and get some flashlights and candles ready.


    Unfortunately the storm could impact Halloween plans - but not open houses on Sunday! Scroll down to see one of our current listings, and other new listings in and around the Arlington area this weekend!



    Move right into this meticulous ranch-style home, it is a great condo alternative with lots to offer. It features hardwood floors, a fireplaced living room, a kitchen that opens to a comfortable dining area and two spacious bedrooms. The finished lower level can accommodate both a home office and a playroom, or is a great in-law alternative. Close to public transportation, shops and the minuteman bikeway. You can enjoy a life on the go without sacrificing a quiet place to come home to and enjoy! (MLS #71437922)



    What's Nearby:Arlington shops and restaurants, public transportation, Minuteman Bikeway, Dallin School.


    Listed:$385,000


     
    SINGLE FAMILY


    Address

    Rooms

    Bed

    Bath

    Style

    Price

    103 Valentine Rd.

    5

    2

    1f 0h

    Ranch

    $314,900

    28 Candia St.

    7

    3

    1f 1h

    Colonial

    $499,900

    20 Benjamin Rd.

    7

    3

    1f 1h

    Colonial

    $499,900


    CONDO


    Address

    Rooms

    Bed

    Bath

    Style

    Price

    990 Mass. Ave. U:A53

    4

    2

    2f 0h

    Garden

    $329,900

    9 Melrose St. U:9

    6

    2

    1f 1h

    2/3 Family

    $425,000

    11 Melrose St. U:11

    6

    3

    2f 0h

    2/3 Family

    $525,000

    94 Webster St. U:94

    7

    3

    2f 1h

    Townhouse

    $629,000

    23 Rangeley Rd. U:23

    7

    4

    3f 1h

    Townhouse

    $699,900


    MULTI-FAMILY


    Address

    Rooms

    Bed

    Bath

    Style

    Price

    63-65 Milton St.

    13

    5

    2f 0h

    2 Family

    $535,000


    5 Things to Better-Know-a-Real Estate Team: Donna Agostino

    You've gotten the inside scoop on Steve, Erika and Mitzi of The Home Advantage Team. Now we'll let you in on 5 Things about our own native Arlingtonian, Donna Agostino.

     

    Remember the old Bo Knows commercials? Bo knows football, Bo knows baseball, etc? If you're under the age of 35 or not into sports, maybe you don't - Bo Jackson was an athlete who played both professional football and baseball very well. He probably could have played any sport (except maybe hockey) if he wanted to. 

    If there were something similar for Arlington, it might go something like this:

     

    ·         Donna knows marketing materials.
    ·         Donna knows transaction coordination.
    ·         Donna knows Arlington. 

    As the Transaction Listing Coordinator for The Home Advantage Team, Donna knows a lot about the inner workings of getting a home listed and sold smoothly. From coordinating open houses, showing instructions and marketing plans, to meeting with bank appraisers and the Fire Department to obtain smoke and CO2 certificates, Donna knows how to get the job done.

     

    But did you also know that Donna knows dogs and the secret to a long and happy marriage? 
    5 Things About DONNA AGOSTINO You Never Thought You'd Want to Know (But Do Now)
    ·         I have a dog named Oscar who likes to ride shot-gun.

     

    ·         I have been married for 31 years and have 2 kids.

     

    ·         I go out once a month with girlfriends of 40+ years.

     

    ·         I have lived in Arlington my whole life and am a 3rd generation Arlingtonian.

     

    ·         My favorite color is green.

    Ask an Arlington REALTOR

    Question:

    What do you do if you:

    a)      Are considering selling your home but are not sure if it's the right time?
    b)      Just bought a home and are looking for a good plumber, electrician and roofer?
    c)      Want to know whether it's better to rent or buy in Arlington?
    d)      Aren't sure which home improvement will have the most impact on the value of your home?
    e)      Want to buy a home, but are not sure what you're looking for - or what's even available?
    Answer:
    Ask an Arlington REALTOR®!
    If you've ever tried to get to the gym early in the morning, you know the hardest part is getting out of bed. But if you can do that, before you know it your shoes are on, you're out the door, at the gym, and your workout is done. And for the rest of the day you get to rest on your endorphins.
    While we can't do your 6 a.m. workout for you, we can give you some free advice on how best to approach buying or selling a home in Arlington.
    It never hurts to ask, but it can hurt to look back and wish you had armed yourself with the information.
    So, the polls are open and we're all ears. Post a comment or email us your questions! Our operators are standing by.

    Like Us on Facebook! :P

    Let's be honest. How annoying are those four words? Particularly when you have no connection to the page/organization that is requesting your Like.

     

    Because of this, we are especially grateful when people 'Like' our page. We know you're busy, we know you've got a Facebook feed full of friends and information coming at you from all angles. So to all of our recent Facebook Fans (and you know who you are), we really appreciate your 'Like.' 

    "Before Facebook, you had to 'like' things with your feelings" via @mattkoff.

    The thing about Liking YourHomeForSale on Facebook is that there's no catch. We give free advice, helpful insight, community information, all with a good amount of snark and humor just for fun - and we really try not to be annoying.

     

    So maybe, if you like us like us, you'll tell your friends or share our stories - it's kind of like passing a note in class, except much easier, and you won't end up in detention. 

     

    Spotlight: Arlington Home of the Week, [ ]

    Notice anything different about our Spotlight Home of the Week? That's right - there isn't one. If you've been following real estate news, you know three things:

     

    ·         Interest rates are low 
    ·         Home values are rising
    ·         Inventory is low, low, low

    This is no different for Arlington - or anywhere else in the area. From our own experience, any homes we've listed recently have sold quickly, leaving home buyers frustrated and ready for something new to come on the market.

    Take a look at the Arlington listings below. Slim pickins means it's a great time for would-be home sellers to take action!
    SINGLE FAMILY
    Address
    Rooms

     

    Bed

     

    Bath

     

    Style

     

    Price

     

    107 George St.

     

    6

     

    3

     

    1f 0h

     

    Cape

     

    $399,000

     

    CONDO
    Address
    Rooms

     

    Bed

     

    Bath

     

    Style

     

    Price

     

    20 Hamilton Rd. U:301

     

    3

     

    1

     

    1f 0h

     

    Mid-Rise

     

    $215,000

     

    82 Egerton Rd. U:1

     

    5

     

    2

     

    1f 0h

     

    2/3 Family

     

    $369,900

    5 Things to Better-Know-a-Real Estate Team: Mitzi

    So far, our 5 Things series has given you the lowdown on Steve and Erika, the faces of The Home Advantage Team you see at open houses, showings, and Current Market Analysis (CMA) sessions.

    This week we'll introduce The Home Advantage Team's Queen-of-Behind-the-Scenes: Mitzi Pallotta.

     

    Mitzi is the oil of our highly efficient real estate machine - no 'i' goes undotted, no 't' is uncrossed, no details regarding the purchase or sale of a home are left unattended with Mitzi on the case.

     

    But did you know that when she is not in the office helping to facilitate smooth real estate transactions (and it's above 70 degrees), chances are you'll find her in flip flops with friends (and maybe a fizzy drink) at the beach!

    5 Things About MITZI PALLOTTA You Never Thought You'd Want to Know (But Do Now)

    ·         I love the beach!

    ·         Every summer, I travel with family and friends to a different major league ballpark.

    ·         Recently I was part of a flash mob being filmed for HGTV.
    ·         I played tennis on my high school and college tennis teams.
    ·         In the summer, my family has lobster traps off the coast of Scituate.

    Spotlight: Arlington Home of the Week, 36 Browning Road

    If you haven't turned your heat on yet, you might want to consider it tonight! According to Matt Noyes at NECN, there will be a hard freeze for nearly all of New England. Here are some Home Weatherizing Tips from Real Living to get your chilly season started off safely and efficiently.



    In the meantime, grab a coat (and maybe a pumpkin-flavored coffee), and hit the open houses in Arlington this weekend!


    36 Browning Road


    Located in the Dallin School district, this wonderful Garrison Home has so much to offer. For example, a front-to-back living room with fireplace, spacious dining room, and a magnificent kitchen that opens to a family room with gas stove. The half bath was recently updated, upstairs has 3 good size bedrooms, and the master suite offers a walk-in closet, master bath with jetted tub and a custom shower. There is an underground one-car garage, oversized deck and great back yard to play in. This is a pristine home in a great location! (MLS # 71446199)



    What's Nearby: Arlington Heights shops and restaurants, public transportation, Wilson's Farm, Minuteman Bikeway, Dallin School.


    Listed: $719,000


    Scroll down to see other new listings in and around the Arlington area this weekend, and happy house hunting!


    SINGLE FAMILY


    Address

    Rooms

    Bed

    Bath

    Style

    Price

    62 Kensington Park

    5

    3

    1f 1h

    Ranch

    $499,000

    60 Robbins Rd.

    7

    3

    1f 0h

    Colonial

    $499,900

    71 George St.

    9

    5

    3f 0h

    Garrison

    $625,000

    36 Browning Rd.

    8

    4

    2f 1h

    Garrison

    $719,000


    MULTI-FAMILY


    Address

    Rooms

    Bed

    Bath

    Style

    Price

    16-18 River St.

    12

    5

    3f 0h

    2 Family - 2 Up/Down

    $695,000