MCJ Insurance Agency

A finished basement can represent thousands of dollars in flooring, furniture, electronics and other belongings.

Now imagine several inches of water covering the floor. 💧

One coverage homeowners should understand is water backup coverage.

Damage caused when water backs up through certain sewers or drains—or from some sump pump failures—may not be covered the same way as other types of water damage under a standard homeowners policy.

Coverage varies by policy and carrier, which is exactly why it's worth asking the question now:

“Am I covered for water backup?”

For homeowners throughout Beverly and the North Shore, fall is a good time to review your coverage before winter weather arrives.

Don't wait until you're standing in a wet basement to find out what's covered.

💻 Visit the MCJ Insurance website to request a homeowners insurance review or quote today.
https://mcjins.com/

🌳 Your neighbor's tree just came crashing down onto your property.
Surely their insurance automatically pays...right?

Not necessarily.

Who is responsible can depend on why the tree fell and the circumstances surrounding the loss.
If an otherwise healthy tree comes down during a major windstorm, damage to your home may fall under your own homeowners coverage.

If there was evidence the tree was dangerous, dead, or neglected beforehand, liability could become a different issue.

Fall is a great time for North Shore homeowners to look around their property—and neighboring trees—for anything that could become a problem during our fall and winter storms.

If damage does happen:
📸 Photograph everything
🌳 Document the condition of the tree
📝 Keep records of conversations or prior concerns
☎️ Contact your insurance agent

Every claim is different, so don't assume you know who's responsible before reviewing the situation.
💻 Have questions about your homeowners coverage? Visit the MCJ Insurance website to connect with our team or request a quote.

https://mcjins.com/

Sending a student off to college comes with a long checklist—but insurance probably isn't near the top of it. 🎓

It should at least be part of the conversation.

Students living in a dorm may have some coverage for personal belongings through a parent's homeowners policy, subject to the policy's terms and limits. But if your student moves into an off-campus apartment, their insurance needs can be different.

Think about everything they bring with them:
💻 Laptop
📱 Electronics
👟 Clothing
🛋️ Furniture
🚲 Bikes
🎮 Gaming equipment

Renters insurance can help protect personal belongings while also providing liability protection if your student is responsible for certain injuries or property damage.
Before assuming they're covered, check with your insurance agent.

Get covered today: https://mcjins.com/

📍 MCJ Insurance proudly serves Beverly and communities throughout the North Shore.

We insure a LOT at MCJ Insurance — homes, autos, boats, businesses, you name it 🏠🚗⛵

But your rookie card collection? That's a little outside our wheelhouse 😅
For specialty stuff like sports cards and memorabilia, find a collector-specific insurer who knows the difference between a PSA 10 and a well-loved binder page.

For everything else? That's us. 📲
mcjins.com