Blog
Can I Change My Coverage at Any Time?
Insurance needs can change over time, and understanding your policy’s flexibility is essential. One of the most common questions we hear from clients is, “Can I change my coverage at any time?” Whether you need to adjust your coverage levels, switch providers, or...
Breaking Down Your Mortgage Payment: Understanding Its Components
A mortgage payment consists of several key components, each serving a specific purpose in ensuring that homeowners meet their financial obligations. Understanding these elements can help you manage your budget effectively and stay informed about where your money is...
Clients Show Their Love with Glowing Reviews
February is here, bringing the season of love! While it’s a time to cherish those closest to us, it’s also the perfect moment to appreciate those who make a meaningful difference in our lives. At Galante Insurance Agency, our clients are the heart of everything we do....
How to Drive in Icy Conditions
Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where...
The Importance of Winterizing Your Home Water System and How to Do It
As temperatures begin to drop, preparing your home for the colder months becomes essential. One of the most critical steps in this process is winterizing your home water system. Neglecting this task can lead to frozen pipes, costly repairs, and major disruptions....
5 Ways to Save Money on Home Insurance
Home insurance is a critical component of protecting your most significant investment—your home. While it provides valuable coverage for unforeseen events, you may be looking for ways to reduce your home insurance premiums without compromising the protection it...
Why It’s Important to Replace Your Roof for Your Homeowners Insurance
Whether it’s raining, hailing, or windy outside, your roof takes the brunt of all the harsh elements. However, if your roof has been neglected and isn’t in tip-top shape when bad weather hits, then you could be putting your home at risk for leaks or other potential...
Understanding Life Insurance: What’s Covered and What’s Not
Life insurance is like a superhero for your family’s financial future—it swoops in to protect your loved ones when you’re no longer around to do so. But just like any superhero, life insurance has its strengths and limitations. To truly harness the power of your...
What You Need to Know About Condo Association Insurance
Condominium Associations provide hazard and liability insurance as part of the condo owners monthly dues. The policy covers common areas and shared features such as the roof, exterior structure and boiler room as well as amenities like the pool and sports courts. When...
CRASH-AVOIDANCE FEATURES COMPLICATE AUTO REPAIRS BUT STILL ARE VALUED
As more new vehicles become equipped with crash-avoidance features, some owners report significant issues with the technologies after repairs, according to a recent report from the Insurance Institute of Highway Safety (IIHS). In the survey, approximately half of...
Bug Safety: How to Prevent and Treat Insect Bites and Stings
As the warmer months approach, spending time outdoors becomes more enjoyable. However, along with the beautiful weather comes an increased risk of encountering insects that can bite or sting. While most insect bites and stings are harmless, they can sometimes cause...
Auto Insurers Contend With Rising Auto Costs
Auto premiums continue to increase as rising labor and material prices, alongside natural disasters, are forcing insurers to contend with significant losses. As Triple-I previously found in its January report, Insurance Economics and Underwriting Projections: A...
What is Commercial Auto Insurance and when do you need it?
Commercial auto insurance protects your business from legal claims of property damage or bodily injury while operating a company vehicle, or when an employee uses their own vehicle for business purposes. This type of insurance can pay for medical expenses, legal fees,...
The Ripple Effect: How a DUI Can Impact Your Insurance Rates
Driving under the influence (DUI) is not only a serious legal offense but can also have far-reaching consequences that extend to your personal finances. One often overlooked aspect is the significant impact it can have on your auto insurance rates. The following...
Ralph J. Galante Insurance Agency Inc. LOVES Insuring Your Life!
Life is the most precious gift and we love insuring yours! Galante Insurance Agency values every single one of our loyal clients and this month, we are sending you love and gratitude for welcoming us into your families and homes. It is our pleasure and honor to...
Preventing Frozen Pipes
Freezing pipes can be a common issue during cold weather, and it's important to take preventive measures to avoid potential damage. Here are some tips to help prevent pipes from freezing: Insulate Pipes - Insulate pipes in unheated areas such as basements, attics, and...
Choosing the Right Windows for Your Home
Windows are a vital element of your home, serving both functional and aesthetic purposes. They provide natural light, ventilation, and a connection to the outdoors while also enhancing the overall look of your property. When it comes to choosing the right windows for...
Why Is Life Insurance Important If You’re Self-Employed?
Working for yourself may sound like an ideal career situation. You have the freedom to grow your own business the way you want and without any of the parameters imposed by a boss. But it also means not having the safety net of benefits that are typically offered with...
Common Roofing Problems and Their Solutions
Your roof is your home's first line of defense against the elements, and it's essential to keep it in good condition to ensure the safety and longevity of your property. Over time, various roofing problems can arise, but the good news is that most of these issues can...
5 Questions Newlyweds Have About Life Insurance
Many exciting elements make up life as a newlywed, especially when you’re just coming off the thrill of a wedding and honeymoon. You may be looking forward to settling into a new routine, while simultaneously being aware that there are certain plans you need to make...
Water Safety: How to Stay Safe in Pools, Lakes, and Oceans
Water can be a great source of fun and relaxation, but it can also be dangerous if you don't take proper precautions. Whether swimming in a pool, lake, or ocean, it's important to be aware of potential hazards and to take steps to stay safe. Here are some tips for...
Summer Party Safety: Tips for Hosting Safe and Fun Outdoor Gatherings
Summer is the perfect time to gather with friends and family for outdoor parties and celebrations. However, it's important to prioritize safety alongside fun to ensure everyone has a great time. Here are some essential tips for hosting safe and enjoyable outdoor...
Summer Safety for Kids: Tips for Keeping Children Safe and Healthy During the Summer Months
Summer is when kids love to be outdoors and enjoy various activities. However, it's important to ensure their safety and health during the summer months. Here are some tips for keeping children safe and healthy during the summer: Sun Protection: Protect your child's...
How an Independent Insurance Agent Saves You Time & Money
Are you looking for an agent that can save you time and money on your insurance? Look no further! As an independent insurance agent, we are what you need. We are knowledgeable and versatile. Best of all we have options, and these options give you options and can save...
Smartphone apps drive gig workers, parents to distraction
Gig-economy workers are 4 times as likely as other drivers to use smartphone apps regularly while driving, a new survey from the Insurance Institute for Highway Safety shows. “The explosion of smartphone features and services has not only created new forms of driver...
MAPFRE Customers Can Simplify Car Care and Maintenance with Openbay+
When things go wrong with your vehicle (and they will at some point), you want to find a reputable repair shop that will fix the problem in a timely fashion and not break the bank. MAPFRE Insurance is always looking for ways to help save you money and that’s why we’ve...
11 Ways to Keep Your Identity Safe This Tax Season
What Cybercriminals Don’t Want You to Know Thieves are working extra hard this tax season to steal your information and gain access to your money. These cybercriminals use email and phone scams to trick taxpayers into revealing valuable information. In a tax tip...
Winter Driving Safety Tips
When winter weather strikes, drivers face out-of-the-ordinary challenges when they get behind the wheel. Snow, slush, or icy roads are involved in nearly one in four weather-related vehicle crashes.1 These conditions can make it harder for drivers to see, slow down...
Fire & Ice – Your Guide to Winter Preparation
Winter is coming and for homeowners this means being prepared for the utmost extremes, both the frightful and delightful! With beautiful blankets of white snow come picturesque landscapes, family sledding, and, well, the threat of ice dams. Ice dams form when the roof...
Mold Damage Insurance Coverage – Personal & Commercial
Mold is a fungus. There are all kinds. It’s everywhere–indoors and out. Most mold insurance claims typically arise in one of two circumstances: (1) mold comes to the property owner’s attention along with the discovery of ongoing moisture buildup, water leakage or...
Massachusetts RMV to Make Inspection Sticker Changes
The Massachusetts Registry of Motor Vehicles will soon change how it handles late vehicle inspection stickers. The change means that beginning November 1, 2022, vehicles that pass inspection will get a new sticker with the month the last sticker expired, according to...
How to Change a Tire
Knowing how to change a tire is a necessary skill for all drivers. You might be thinking, “I pay for a AAA membership so that I get roadside assistance and don’t have to worry,” or “I have a cell phone, I can just call someone to help.” Even if this is the case for...
Should You Buy Life Insurance for Children?
We all want our kids to live long, healthy lives, which is why child life insurance may not feel like a top priority. It’s worth considering, though, as it can lock in low rates and act as an investment vehicle for your children. As your insurance agent, we care about...
Cybersecurity Tips for Businesses and Personal Use
Cybersecurity has never been more important than it is now. As we spend more time online, we’re often creating and sharing more of our personal data. And if this data falls into the wrong hands, private and financial information could be at risk. So, for businesses...
Marine Insurance Coverages
The marine world is unique. If you are planning on diving in, ensure you know all about marine insurance! There are thousands of different types of boats. Each vessel needs its own specialized boat insurance policy. Boat insurance is available in two types. The...
Garage Clean Out Tips
Imagine a world where you could actually park inside your garage. What if we told you that dream could be a reality with just a weekend’s worth of work? We rounded up expert garage cleaning tips and turned them into a five-step plan you can use to get your garage...
Walking Your Dog at Night
Remember these safety tips when walking your dog at night. Always use a leash This one is non-negotiable. Even if you live in an area without much traffic, and your dog has an excellent recall, you should always leash up at night. Just like humans, dogs get startled...
Whole Life Insurance vs. Term Life Insurance
Shopping for life insurance may not be as fun as reading a good novel, but it is something everyone should do – sooner rather than later. There are two popular types of life insurance: term life insurance and whole life insurance. While the death benefits from both...
Rideshare Insurance for Uber and Lyft Drivers
On average, the roughly 1.5 million to 2 million people in the U.S. who drive for both Uber and Lyft earn $18.15 an hour before expenses. Just one car accident, though, could easily eat up that money—and more. That’s why Uber and Lyft drivers likely need separate...
What is Business Owner’s Insurance and When Do You Need It?
Your company may need insurance to survive certain unexpected—but possible—challenges. Nobody likes buying insurance. It can be confusing and expensive, and you won't see any benefit unless you have a loss, accident, or claim. But insurance can make or break your...
Tips for Sub-Zero Temperature Car Care
When the temperatures drop into the single digits, you most likely want to curl up with a good book or binge-watch the latest show – whatever you can to just stay indoors. Chances are, at some point you’ll still need to go out. When you do, you’re going to want to...
How to Jump Start a Car
Trouble happens. You left your lights on and now you’re stuck with a dead car battery. While learning how to jump start a car can be easy, there are risks in it if done so incorrectly. As your insurance agent, we care about your safety so we put together the following...
Christmas Light Safety Do’s and Don’ts
Strands of sparkling holiday lighting make your home feel merry and bright, especially on a gloomy December day. However, if installed incorrectly, they have the potential to damage your home or electrical system. Before you grab your ladder and boxes of lights,...
Fun Facts About Your Thanksgiving Meal in Massachusetts
Although turkey is somewhat synonymous with Thanksgiving dinner it's not all about the Turkey. For many, folks are most grateful for the side dishes, appetizers and the pies. In Massachusetts the most searched recipe on Thanksgiving? Cheesecake. Making cheesecake is...
Fall Home Maintenance Checklist
Fall is a beautiful time of year. The air is cool and crisp, and the leaves are changing colors. As homeowners, it can also be a very busy time of year! Take advantage of the moderate weather to repair any damages to your home before the first frost sets in. Taking...
Grilling Tips for Safety
As the weather warms and summer returns, it’s time to GRILL! There are risks that come along with grilling, regardless of which type of grill you are using. Every year, 7,000 Americans are injured while using barbecue grills. It's usually a case of good products...
RV Insurance – Weather and Driving Conditions
RVing is becoming one of the most popular ways to travel. A successful and safe RV trip takes preparation and planning to make it a good experience. Whether you are new to RVing or not, these tips can help ensure that your trip will be a smooth experience. As your...
Make your Beach Day SAFE!
Ahh – The beach! We love the water, the sand, the sun and the family time to unwind and have FUN! Staying safe at the beach is very important. Weather and water conditions can change rapidly. In the blink of an eye someone could be caught in a rip-current. Be sure...
5 Defensive Driving Tips to Reduce Accidents & Save Lives, Time and Money:
1. Reduce Speed & Observe the Posted Speed Limit at All Times a. The National Safety Council® Defensive Driving Division reminds drivers that "Exceeding the posted speed limit or driving at an unsafe speed is the most common error in fatal accidents." 2. Wear Your...