Keeping the Home Fires Burning Safely: The Importance of Routine Chimney Cleaning

Curling up by a crackling fire on chilly evenings is undeniably cozy and comforting. However, amidst the warmth and charm of our hearth, it’s crucial not to overlook fireplace safety. Routine chimney cleaning plays a pivotal role in maintaining a safe and efficient fireplace.
Routine chimney cleaning is essential due to the build-up of creosote, a sticky, tar-like substance that results from burning wood or fossil fuels. Gradually, these creosote deposits can accumulate along the interior walls of your chimney, potentially causing blockages. Such obstructions hinder proper ventilation and significantly elevate the risk of chimney fires if left unaddressed.

Chimney fires are a serious threat to the safety of your home and loved ones. The accumulation of creosote is highly flammable, and a spark or even high temperatures from a roaring fire can ignite these deposits. Routine chimney cleaning helps to remove these hazardous substances, significantly reducing the risk of chimney fires and ensuring the safety of your property.

A clean chimney is a more efficient chimney. When creosote and other debris block the flue, it restricts the proper flow of smoke and gases out of the house. This can cause smoke to back up into your living space, leading to potential health hazards and foul odors. In addition, restricted airflow can reduce the efficiency of your fireplace, which results in decreased heat output and wasted energy.

A chimney that is obstructed or not functioning correctly can allow dangerous gases, such as odorless and colorless carbon monoxide, to seep into your home. Without proper alarms, detecting these harmful gases becomes nearly impossible. By scheduling regular chimney cleaning, you ensure that these perilous fumes are appropriately vented away from your living area, safeguarding your family from potential health hazards.

According to the National Fire Protection Association (NFPA), there are over 25,000 chimney fires per year in the US. Those fires are responsible for approximately $125 million in property damage. Built up creosote is responsible for many of those fires, along with deficiencies in chimney linings and structures that allow high temperatures, and embers or sparks that reach combustible areas adjacent to your chimney or fireplace.

While some homeowners attempt to clean their chimneys themselves, it’s essential to hire a professional chimney sweeper for the task. Certified chimney sweeps have the expertise and tools needed to thoroughly clean the chimney, ensuring no creosote or debris is left behind. Chimney sweeps can conduct thorough inspections, checking for any structural problems or signs of damage that may necessitate repairs.

Chimney fires can result in significant property damage, including smoke and soot affecting furniture, electronics, and valuable belongings. Regular chimney cleaning helps minimize the risk of such fires and potential loss of personal property. Opting for routine chimney cleaning is an investment in safeguarding your family’s well-being and preserving the longevity of your cherished fireplace. So, before you cozy up for the next winter season, remember to schedule your chimney cleaning with a professional, and stay warm and safe throughout the year!

Hurricane Preparation

hurricane preparation

Nothing is more important at Quincy Mutual than the health and safety of our insureds.  Hurricane Lee could impact the East Coast in the next few days and we want to ensure that you, your family, and loved ones are safe, secure and prepared for the storm. Here are some helpful tips that can keep you and your property safe:

  • Heed any directives from national, state or local governments.

Along with receiving key updates on the storm, there may be safety protocols put in place to assist everyone in remaining safe during the storm.

  • Secure any outside equipment and personal property.

Outside personal property can become dangerous debris when high winds strike. Bring anything that is easy to carry inside for safety. Don’t hurt yourself! If something is too big to carry, secure and anchor it safely to a deck or post.

  • Stay away from windows during the storm.

Glass breakage during a storm is a serious concern.  Keep away from these vulnerable areas during a storm and consider covering them or closing storm shutters.

  • Keep your family and pets inside during the storm.

The winds may not look dangerous, but tree limbs can come down without any warning and there may be live downed power lines. Please notify your local utility company of any downed wires and do not approach hazardous situations.  Heavy rains can create flash flood situations quickly.

  • Keep extra food, water, and batteries on hand.

If you must shelter in place for any amount of time, you want to ensure that you have enough supplies, lights and communication devices prepared.

  • Practice generator safety

In the event you have a generator and use it when power is out, please fully read all safety warnings and run them in a well-ventilated area away from the home.

  • If you do suffer property damage, please take reasonable steps to protect the property from additional damage when it is safe to do so.  Please take photographs and save any receipts related to your loss.

These are just a few tips that can keep you safe during the storm. Remember, focus on your safety first during a storm.  Do your best to protect your home, but don’t risk your health in the process.  Thank you for placing your trust in Quincy Mutual.


Common Types of Insurance Claims

Being in insurance for as long as we have, Quincy Mutual Group has seen many types of claims. Claims range from the extremely unlikely to, unfortunately, very common. Here are a few types of claims we see regularly:

  1. Auto Insurance Claims:

Auto insurance claims are among the most common types of claims we see. Accidents, hit and runs, damage from animals, debris flying up and hitting your vehicle- some you can prevent but some you can’t. We recommend being aware of your surroundings, buckling your seatbelt, obeying the speed limit, and always keeping your eyes on the road.

  1. Homeowners Insurance Claims:

Homeowners insurance covers your property and its contents from a wide range of perils, including natural disasters, theft, and liability claims. Common homeowners’ insurance claims include damage caused by fire, storms, burglary, or water leaks, our most common type of home insurance loss.

How can a homeowner prevent water losses? Sam Paneto, Property Claims Manager for Quincy Mutual Group, shared a few easy steps to avoid plumbing claims. First, install automatic water shut off valves and sensors. By watching your water bill, you can make sure you don’t have a hidden water leak at your home or business. When leaving for vacation, check to be sure toilets and faucets are in working order, turning the water off if possible. Be sure your plumbing is properly insulated as cold weather can cause pipes to burst resulting in significant damage to your home and possessions.

  1. Property Insurance Claims:

Property insurance claims encompass various types of assets, including commercial buildings, rental properties, and personal belongings. These claims often arise from damage caused by natural disasters, accidents, or theft. It is vital to document the contents of your business or home in an inventory list, keeping it updated as you purchase new equipment or belongings. Keep copies of the inventory list where they can be easily retrieved if a loss occurs.

Suffering a loss can be a stressful experience, but we are here to help. To prepare to file a claim, maintain accurate documentation and review your coverages regularly with your insurance agent. With the right knowledge, you can make the most of your insurance coverage and protect yourself against unexpected financial burdens. If you do find yourself in need of filing a claim, you can do so quickly and easily on our website.



Don’t Get Burned by Grill Fires

Grill fires are one of the most common incidents associated with outdoor grilling. While grilling is generally a safe activity when proper precautions are taken, accidents can still occur, sometimes leading to grill fires. Understanding the causes, prevention measures, and appropriate response to grill fires are essential for ensuring your safety and protecting your property.


Causes of Grill Fires


Grill fires can be caused by various factors, including:

  1. Grease Buildup: Over time, grease and fat residue can accumulate in the grill from use, particularly in the drip pan, trays, or bottom of the grill. If not regularly cleaned, this buildup can ignite and cause a fire.
  2. Flare-Ups: Flare-ups occur when fat or marinades drip onto the flames, causing sudden bursts of intense heat. If left unattended, these flare-ups can ignite surrounding objects or cause burns to the person operating the grill.
  3. Gas Leaks: Gas grills pose the risk of gas leaks, which can lead to fires or explosions. Leaks may occur due to damaged hoses, loose connections, or faulty regulators.
  4. Improper Use of Starter Fluid: When using charcoal grills, improper use of starter fluid can result in flare-ups and uncontrollable fires. Using too much fluid, or attempting to add more after the fire has already started, can be dangerous.


Preventing Grill Fires

Prevention is key to avoiding grill fires. Here are some important preventive measures to follow:

  1. Regular Cleaning: Clean your grill regularly and remove grease, fat, and debris from all parts of the grill.
  2. Safe Location: There should be at least a 10 foot radius around your grill that’s free from flammable objects, including trees and structures. Only grill in well ventilated areas.
  3. Safe Ignition: Follow the manufacturer’s instructions for igniting your grill safely. Avoid using excessive amounts of starter fluid or other accelerants.
  4. Gas Grill Safety: Inspect gas connections regularly for leaks. A simple way to do this is to apply a soapy water solution to the connections and look for bubbles, which indicate a gas leak. If a leak is detected, immediately turn off the gas supply and have the grill serviced by a professional.
  5. Supervision: An adult should always be watching the grill and monitoring for safety hazards.


Responding to a Grill Fire

Even when steps are taken to prevent them, grill fires can still occur. If a grill fire does occur, act fast. Prevent the spread of fire with these tips:

  1. Safety First: Keep a fire extinguisher nearby and know how to use it. Move anyone in the area further away from the grill.
  2. Cut off Oxygen: If it is safe to do so, close the grill’s lid to cut off the oxygen supply and smother the flames. This can help control the fire.
  3. Disconnect Power or Fuel: For gas grills, turn off the gas supply at the source. For charcoal grills, carefully remove the fuel source and move it away from the fire.
  4. Do Not Use Water: Water can cause grease to splatter or spread the fire, making the situation worse.
  5. Call Emergency Services: Do not attempt to fight a large fire on your own.


Take control of the problem before it starts with regular maintenance, supervision and safe use of grills, both charcoal and gas. This is the key to grilling success. If a fire should start, remaining calm and taking quick action increases your odds of getting the BBQ back on track.






Celebrating National Insurance Awareness Day:

A Day in the Life of Insurance Professionals

Every year on June 28th, insurance professionals across the nation come together to celebrate National Insurance Awareness Day. It’s a day dedicated to recognizing the crucial role insurance plays in clients’ lives and the tireless efforts of insurance professionals who work diligently to protect their community from unexpected risks. Join us as we delve into the world of insurance professionals and explore the significance of National Insurance Day from our perspective.

A Profession Built on Trust:

Insurance professionals rely on building trust and providing peace of mind for their clients.  We celebrate these attributes on National Insurance Awareness Day knowing the amount of time and effort they put in to safeguard individuals, families, and businesses against the uncertainties of life.

Navigating the Complexities:

Insurance can be a foreign language to people not in the insurance industry, which is why insurance professionals need to be well-versed in educating their clients in terms that are easier to understand. A client who clearly understands what their policy does include or does not include is a client who can make the best decisions for their needs.

Protecting What Matters Most:

Insurance professionals understand their clients come to them looking to protect what matters most.  A brand-new car, a home purchase after years of saving, a business built from the ground up, and the security of life insurance are some reasons why clients look to insurance professionals for guidance on the best way to safeguard against the unforeseen events that may occur.  Each individual and situation is unique which is why insurance professionals carefully tailor policies to provide comprehensive coverage suited for each client.

Building Lasting Relationships:

Insurance professionals are more than just salespeople; they are relationship builders.  Understanding why their clients are interested in insurance policies tailored for their unique needs opens a discussion about their clients’ goals for the near and distant future.  The bond insurance professionals build with their clients allows them to become a trusted advisor who is there for them through life’s ups and downs.

Adapting to Changing Times:

The insurance industry is constantly evolving, with new risks emerging regularly. Insurance professionals must stay ahead of these changes, keeping up with the latest trends, regulations, and advancements in technology. National Insurance Awareness Day highlights their adaptability and resilience in an ever-changing landscape, demonstrating their commitment to staying at the forefront of the industry to better serve their clients.

Quincy Mutual Group takes pride in the expertise, empathy, and commitment our agency partners provide to their clients. They are an invaluable resource in navigating the complexities of insurance and play a vital role in protecting our community’s assets, livelihoods, and futures. If you are interested in finding a Quincy Mutual Group partner near you, visit our website.

E-bikes: A Cautionary Tale


Electronic Bicycles, also called e-bikes, have become increasingly popular in the US following COVID among drivers for delivery apps, like Uber Eats, and for commuters looking for an alternative to mass transit. They have found e-bikes to be a cost-effective form of transportation. While these bikes are zippy, they have a history of malfunctioning batteries that riders should be aware of!

According to Consumer Reports, between December 2021 and December 2022,, 202 fires were attributed to the lithium-ion batteries used to power e-bikes and similar transportation devices (like e-scooters) in New York City alone. These batteries, when poorly constructed, are left charging too long, are overcharged, or are over used can catch fire or explode, spreading the fire faster.

What can you do to lessen the chance of fire?

  • Use the right charger: Always use the charger that came with your e-bike, and avoid using chargers from other brands. Additionally, make sure to follow the manufacturer’s instructions for charging your battery.
  • Monitor the battery: Keep an eye on the battery while charging and do not leave it unattended for long periods. Also, avoid overcharging the battery or leaving it on the charger for too long.
  • Proper storage: Store your e-bike in a dry and cool place, away from direct sunlight, and flammable materials. Also, avoid storing the bike in extremely cold or hot temperatures, as this can damage the battery. Try storing it in a detached structure if possible and avoid placing it at or near a doorway that could be blocked in the chance it does ignite.
  • Regular maintenance: Maintain your e-bike regularly and have it serviced by a qualified technician as needed. This includes checking the wiring and connectors for signs of damage or wear.
  • Use high-quality batteries: Invest in high-quality batteries from reputable manufacturers, as they are less likely to fail and are generally more reliable. Be mindful and refrain from the use of aftermarket batteries. Use the batteries manufactured by or approved by the e-bike manufacturer.
  • Do not modify the bike: Avoid making any modifications to the bike’s electrical components or battery, as this can increase the risk of fire.
  • Check for recalls: Keep up-to-date with any recalls related to your e-bike’s battery or electrical system, and have any necessary repairs or replacements done promptly.
  • In the case of fire: Try to move the e-bike out of and away from the building as a lithium-ion battery fire can be extremely dangerous and difficult to extinguish.

Like any other vehicle, e-bikes also come with their own set of risks that may require insurance coverage. Here are some potential insurance risks to consider:

  • Accidents: If you get into an accident while riding your e-bike, you may be liable for any damages or injuries you cause to others. You may also suffer injuries that require medical attention or damage your e-bike. Therefore, it’s essential to have liability insurance to cover any damages or injuries you may cause.
  • Theft: E-bikes are a popular target for thieves because they are expensive and relatively easy to steal. To protect against theft, you may want to consider comprehensive coverage or adding theft coverage to your policy.
  • Vandalism: Your e-bike may be vandalized, which can cause damage and require repairs. Comprehensive coverage can help cover the cost of repairs in this situation.
  • Damage from natural disasters: Natural disasters like floods, earthquakes, and hurricanes can cause damage to your e-bike. Comprehensive coverage can help cover the cost of repairs or replacement in such cases.
  • Personal injuries: E-bikes can travel at high speeds, and accidents can cause serious injuries. Personal injury protection (PIP) insurance can help cover medical expenses, lost wages, and other costs associated with personal injuries.

It’s important to note that insurance requirements for e-bikes may vary by state. It’s best to consult with your Quincy Mutual agent to determine the insurance coverage that best suits your needs. If you’re not a Quincy Mutual client yet, find your closest agent here.

The Quincy Connect

Large Commercial Accounts

Having trouble finding a home for large commercial accounts?

Looking for a more comprehensive and competitive BOP offering for your larger risks?

Quincy Mutual is happy to offer a solution to your large commercial needs. We have found success with large accounts in a wide range of class codes for apartments and condominiums, mercantile classes like salons and barber shops, as well as offices, and more! Mixed occupancy buildings and multiple classes across locations are eligible. We can entertain a total insurable value of up to $30 million at a single location and can consider higher TIV’s depending on the geographic spread of risk.

Below are some of our coverage highlights that allow you to provide the most comprehensive policy for your client. In addition, our Presidential Enhancement is available in 3 different bucket limits and will tailor to the class code of your locations, providing additional protection for those coverages that the class code needs most.

Feel free to reach out to your underwriter if you want to learn more about our offerings or have any questions about coverages. We are happy to assist in quoting any new business you have.

*Coverage may not be available depending on the location’s state. Contact your underwriter for more information.

Lithium Ion Batteries

There are growing concerns with the fires linked to consumer products powered by lithium-ion batteries. These fires are causing significant property damage, leading to injuries and even death. Many popular consumer items are powered with lithium-ion batteries ranging from electric cars, bikes or scooters to the numerous phone and computer devices we use on a daily basis. When lithium-ion batteries are damaged or overcharged they will overheat, catch fire and can explode.

Another cause for concern is after-market batteries that may be poorly designed or lack the safeguards of the original manufacturer battery. New York recently introduced legislation to regulate batteries in an effort to prevent fires sparked by lithium-ion batteries. Fires caused by these batteries can be difficult to extinguish and the chemical reactions can reignite the fire at a later time.

If a fire does occur, people should evacuate to a safe area and call 911 so that proper fire fighting apparatus is used to extinguish the fire. Many governmental and safety organizations suggest consumers follow manufacturer instructions for the specific product and are also warning consumers to take extra care when using or charging electrical items powered by such batteries and not leave them unattended and unplugging the device if there is excessive heat.

Quincy Mutual Charitable Giving

Quincy Mutual continues to give back to the community. Our Charitable Giving Volunteer committee hosted a Diaper Drive in February. Diapers and related items were collected from employees. All items were donated to DOVE: Domestic Violence Ended. Their mission is to end domestic and partner violence by providing a range of advocacy and support series.

Next up, the Charitable Giving Volunteer committee will be hosting an event for Happy Hope Factory, where volunteers will assemble activity packs for children who are hospitalized. The packs will be sent to two Boston hospitals. This event will be coming up this spring.

Update from Claims

After a relatively moderate 2022, the year ended with a windstorm, resulting in an influx of claim volume. A severe cold front originating in the Rocky Mountain range worked its way across the United States, eventually bringing heavy rains, power outages and wind to New England on December 23rd. ISO later categorized this as a multi-state catastrophe affecting 38 states and estimated the industry impact to be $3.5 billion. With solid preparations in place, the claims team was able to quickly close 70% of the volume over the span of just a few weeks.

A little over a month later, a severe deep freeze descended into New England, bringing windy arctic air with wind chills reaching negative fifty degrees in some areas. Although the event moved out of our area rather quickly, it left a deluge of frozen pipe burst claims in its wake.

Quincy Mutual prepared proactively by getting ahead of claim setups that weekend, aligning resources to respond to our policyholders and streamlining adjustment guidelines to help manage the claim volume. With an event like this, the severity is much worse than a typical wind event bringing down trees or causing power outages. When a pipe freezes and bursts, the thawed water escapes until shut off. Often these pipes are in hard to reach areas, or are in seldom visited areas of the home or business which increases the loss severity.

As carriers across New England struggle with the influx, Quincy Mutual was prepared with a plan and quickly executed to help our insureds quickly recover.

Spring is here!

How to Clean a Dryer Vent


Under 2 hours

Dirty or clogged dryer vents and ductwork don’t just reduce your dryer’s performance. The combination of heat and accumulated dryer lint and dust can lead to a fire hazard. In fact, clogged clothes dryer vents cause thousands of fires per year in the United States. Learn how to clean a dryer vent at least once a year to keep your home safe and ensure that laundry day runs at peak efficiency.

Tip: Check for warning signs of clothes dryer lint buildup such as laundry taking longer to dry, the clothes dryer becoming hotter to the touch or a burning smell becoming noticeable in the laundry room.


Disconnect the Dryer

  • Before dryer vent cleaning, locate the vent, which should be easily found at the back of the dryer. Also locate the dryer exhaust vent at your home’s exterior.
  • The first step on how to clean a dryer vent is to unplug the dryer. If you have a gas dryer, turn the supply valve off while cleaning.
  • Pull the dryer away from the wall about a foot to begin cleaning your dryer vent.
  • Disconnect the dryer ductfrom the back of the dryer. You may need to use a screwdriver to disconnect the vent clamp.

Tip: Some types of flexible dryer hose made of plastic, vinyl or foil are more likely to become clogged and cause fires, so replace them with ductwork that meets your local building codes.


Vacuum Out the Vent

  • While wearing safety gloves, remove lint from the hole at the back of the dryer.
  • Cleaning lint from a dryer duct requires a vacuum. Use the hose attachment of a vacuum cleaner or shop vacto clean in and around the hole at the back of the dryer.
  • If you can detach the length of duct where it meets the wall, do so. It will make cleaning it easier.
  • Cleaning a dryer duct isn’t difficult. Remove lint from the duct by hand and then vacuum the inside of the duct. Use hose extensions, if available, to vacuum out as much of the duct as you can.
  • Go outside the house and remove the exterior vent cover.
  • Clean out the dryer vent from the outside using a vacuum.

Tip: Some homeowners use a leaf blower to expel dust through the vent from inside, but this tends to be a less efficient system for most homes.


Brush Out the Vent

  • If your dryer vent is too long to efficiently use a vacuum to remove the lint, buy a dryer vent kitfor an alternate method. These kits contain flexible brushes with extensions that can be used comparably to drain snakes and more thoroughly clean the vent’s interior walls.
  • The first step to cleaning a dryer duct is to feed the brush into the duct and move it back and forth while slightly rotating it.
  • Extend the brush as needed and continue until the vents are free of dust and lint.

Tip: Determine whether the interior or exterior opening of your house is higher and begin brushing on the higher side, so gravity will help loosen the lint.


Reconnect the Dryer

  • When finished cleaning, inspect the ducts to make sure that they are undamaged and up to safety codes. Replace ducts if needed.
  • Reattach ductwork and vent cover. If necessary, seal sections of ductwork with UL-listed metal foil duct tape.
  • Push the dryer back into place and plug it in or turn the gas valve back on.
  • To test the dryer, run it for 15 to 20 minutes on the fluff or air dry setting to make sure all the connections are strong and to dislodge any remaining debris.

Tip: If the above vent cleaning steps are insufficient, consider hiring a dryer vent cleaning service.


Take Steps to Avoid Lint Buildup

Reducing the amount of dust and lint in and around your dryer may reduce how often you need to clean the dryer vent.

  • Regularly sweep and dust the area around the dryer.
  • Remove the lint trap filter and clean it out before every cycle. It’s quick, easy and makes a big difference in your dryer’s performance.
  • On a regular basis, remove the lint screen and vacuum in and around the lint filter housing with the hose attachment of the vacuum cleaner.
  • Dryer sheets can leave residue on a lint screen that can build up over time. If the lint screen is clogged, use a scrub brushto wash it in warm, soapy water, rinse it with clean water and dry it off with a towel.

It’s important to remove lint regularly to avoid lint buildup. Cleaning lint from a dryer ultimately protects your home from house fires as well. Not only can the lint catch fire due to buildup, but if a fire were to start due to other circumstances, the lint would provide fuel, causing the fire to grow. Cleaning a dryer vent not only keeps your home safe, but keeps your dryer working properly and efficiently.

A clogged clothes dryer may not just be a fire hazard, but can cause your energy bills to increase by requiring longer drying times for your laundry. Knowing how to clean a dryer vent can protect your house, save some money and make your clothes look better.

Get all the things you need to clean your dryer vent today. The Home Depot delivers online orders when and where you need them.


Where’s Your Water Shutoff?

Water Shutoff

Do you know where your water shutoffs are? For your sinks? For toilets? For your washer? What about the main valve that controls your whole house or business? If you don’t know the locations of your water shutoffs, you need to!

Knowing where your shutoffs are is important for variety of reasons. If you’re replacing your kitchen sink, you’ll need to know how to shut off the water. If your toilet is running, you can shut off the water between uses until it can be repaired. Most importantly, if you are experiencing a burst pipe, you can shut off the water to the whole building to lessen the possibility of flooding!

Our Claims Department has seen many instances where shutting off the water could have saved home or business owners’ time, money and hassle, but they didn’t know where the water shutoff was. Our advice- find your shutoffs! Show your family where to find them, show your employees where these are located, tell anyone who is housesitting for you where to find them, and put a tag on the main valve so it’s easily visible in an emergency. We have a printable tag on our site for just this purpose.

Quincy Mutual Group is dedicated to helping you maintain your lifestyle, and that includes easy tips that allow you to act quickly if an emergency arises. Prevent flooding; prevent hassle; prevent a claim! If you’re not a Quincy Mutual client yet, find your closest agent here.

Offering Equipment Breakdown & Service Line Coverage


Did you know that Quincy Mutual offers Equipment Breakdown & Service Line coverages for homeowners? These coverages are very affordable solutions to some pretty expensive problems.

𝗘𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗕𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

KitchenEquipment Breakdown protects you in the event of Mechanical, Electrical, or Pressure System breakdowns from televisions to security systems to pools and much more!

A single power surge could short-circuit the appliances in your kitchen; imagine paying for a replacement stove, refrigerator, dishwasher and microwave! What if your appliances are smart appliances? The cost could get out of hand quickly! This coverage would help pay to replace these items for you.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗟𝗶𝗻𝗲 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

Construction_Underground_PipesIf you thought the utility lines on your property were covered under your standard homeowners insurance or that it’s the city’s responsibility to pay for repairs to these, you are mistaken. Water pipes, gas lines, cable lines, sewer lines- all cost thousands of dollars to repair or replace if needed!

Service Line coverage protects you if there is damage to underground piping, wiring, valves or attached devices that connect a home to a public utility service provider or private system!

You can find an interactive link that explains more about these coverages here. You can also contact your local Quincy Mutual Group agent with questions or to add this coverage to your homeowners policy. If you’re not a Quincy Mutual client yet, find your closest agent here.