The Insurance Guy: Who Doesn't Love Homeowners Insurance?

By David BissailloniBerkshires Columnist
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In recent columns, we touched upon the importance of insuring buildings at proper limits, why it makes sense to spend a bit of time reviewing your auto and homeowners insurance, and what discounts and benefits are now available in a very competitive Massachusetts auto insurance marketplace. 

This month, I want to talk a bit about one of the products in the insurance world that I had always thought was actually a pretty good deal. Welcome to the HO-3 policy.

More than just because the bank tells you that you must have a homeowners policy when you carry a mortgage, the homeowners plan is a smart way to manage risk by paying pennies on the dollar to protect your assets. First and foremost, the policy steps in if there is damage to your home that occurs from a few of the obvious causes of loss.

Most people would agree that damage from a fire would be the first job that a homeowners policy would perform. And that is true. If your home suffers partial or total damage from a fire, there is no better way to make you whole again than by having a properly written homeowners policy in place. And whether that premium is $500 or $1,200, if it affords you a couple of hundred thousand dollars in protection, it is a very good return on your premium. Not that I would wish a fire on anyone.

Wind damage is also typically covered by a homeowners policy and we know some of the damage that wind has done lately. Typically, water damage is not covered unless you have a separate flood policy, which can be a confusing topic for consumers. (We will cover water and flood in a separate column soon). However, you can have limited coverage added to your policy that may reimburse you for backup of water in a basement. Again, you really should consult your local agent.

The homeowners policy will also provide coverage to other structures such as detached garages, sheds, and other buildings that you may have on your property. It may also provide you, at the time of a loss, with compensation to provide temporary food and shelter that your family may need if you cannot remain in the home. These are benefits that become very important if you are ever involved in a serious loss at your home.


The homeowners policy also provides the insured with liability protection in case there is bodily injury or property damage done to a third party. This is where legal bills and damages may be paid from in the case of someone getting injured on your property, or being bit by your dog, or accidentally hit with a stray golf ball from your hooked drive at the golf course. There is also a medical payment portion of the policy where small medical bills can be paid to injured parties. The homeowners policy can be a very powerful tool when things hit the fan.

You may notice that there is an increase in the pricing on many homeowners policies, but it still remains a very good value for the consumer. There are a few reasons for the increase in pricing, primarily the fact that 2011 was a record year for catastrophes throughout the world. According to the Insurance Information Institute, worldwide events caused $350 billion in economic losses, shattering the 2005 record of $230 billion. The other primary reason is that the cost of rebuilding homes has gone up. According to Travelers Insurance, in the last year paint has gone up 4.5 percent, copper pipe up 19 percent, wire and cabling up 19.4 percent, insulation up 12.3 percent, and asphalt shingles up 8.3 percent.

But, there remain great deals out there if you are willing to spend some time and work with a local independent insurance agent. Happy home owning.

Dave Bissaillon dabbles in real life while working daily as an account executive at Smith Bros.-McAndrews Insurance Agency in Adams. His occasional column will touch on insurance and other fun stuff.

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BRPC Exec Search Panel Picks Brennan

By Breanna SteeleiBerkshires Staff

PITTSFIELD, Mass. — The Executive Director Search Committee voted Wednesday to move both finalists to the full Berkshire Regional Planning Commission, with a recommendation that Laura Brennan was the preferred candidate. 

Brennan, BRPC's assistant director, and Jason Zogg were interviewed by the committee on Saturday.

Brennan is also the economic development program manager for the BRPC. She has been in the role since July 2023 but has been with BRPC since 2017, first serving as the senior planner of economic development. 

She earned her bachelor's degree from Franklin & Marshall College in Pennsylvania and earned a graduate-level certificate in local government leadership and management from Suffolk University.

Zogg is vice president of place and transportation for Tysons Community Alliance, a nonprofit that is committed to transforming Tysons, Va., into a more attractive urban center. 

He previously was the director of planning, design, and construction at Georgetown Heritage in Virginia, where he directed the reimagining of Georgetown's C&O Canal National Historic Park.

They each had 45 minutes to answer a series of questions on Saturday, and the search committee said they were both great candidates. Meeting virtually on Wednesday, the members discussed which they preferred.

"In my own personal opinion, I think both candidates could do the job and actually had different skills. But I do favor Laura, because she can hit the ground running and with the time we have now, I think she is very familiar with the organization and its strengths and weaknesses and where we go from here," said Malcolm Fick.

"I would concur with Malcolm, especially because she was the only candidate who could speak directly to what's currently going on in the Berkshires, and really had a handle on every aspect of what BRPC does, could use examples, and showed that she actually understood the demographic information when that information was clearly available on the BRPC website, and through other means, and she was the only candidate who was able to integrate our regional data, our regional demographics, into her answers, and so I find her more highly qualified," said Marybeth Mitts.

Brennan was able to discus the comprehensive regional strategy the BRPC has worked on for Berkshire County and said she made sure they included voices from all over the region instead of what she referred to as the "usual suspects."

"That was an enormous priority of ours to make sure that the outreach that we did and the input that we gathered was not from only the usual suspects, but community groups that were emerging in a lot of different corners of the region and with a lot of different missions of their own, and try to encompass and embrace as many voices as we could in that," Brennan said in her interview.

Member Sheila Irvin said she liked Brennan’s knowledge of Berkshires Tomorrow Inc.

"I think that her knowledge of the BTI, for example, was important, because that's going to play a role in the questioning that we did on funding. And she had some interesting insights, I think on how to use that," said Irvin. "And in addition, I just thought her style was important. 

"She didn't need to rush into an answer. She was willing to take a minute to think about how she wanted to move on and she did."

In her interview, Brennan was asked her plans to help expand funding opportunities since the financial structure is mainly grants and the government has recently been withdrawing some interest.

"With Berkshires Tomorrow already established, I would like to see us take a closer look at that and find ways to refine its statement of purpose, to develop a mission statement, to look at ways that that mechanism can help to diversify revenue," she said. "I think, that we have over the last several years, particularly with pandemic response efforts, had our movement to the potential of Berkshire's Tomorrow as a tool that we should be using more, and so I would like to see that be a big part of how we handle the volatility of government funding."

Member John Duval said she has excelled in her role over the years.

"Laura just rose above every other candidate through her preliminary interview and her final interview, she's been the assistant executive director for maybe a couple of years and definitely had that experience, and also being part of this BRPC, over several years, have seen what she's capable of doing, what she's accomplished, and embedded in meetings and settings where I've seen how she's responded to questions, presented information, and also had to deal with some tough customers sometimes when she came up to Adams," said Duval.

"She's done an excellent job, and then in the interviews she's just calm and thought through her answers and just rose above everyone else."

Buck Donovan said he respected all those who applied and said Zogg is a strong candidate.

"I think both and all candidates were very strong, two we ended up were extremely strong," he said.  "Jason, I liked his charisma and his way. I really could tell that there was some goals and targets and that's kind of my life."

The full commission will meet on Thursday, March 19, to vote on the replacement of retiring Executive Director Thomas Matuszko.

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