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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PCTV Celebrates 40th Anniversary with Community

By Breanna SteeleiBerkshires Staff

PITTSFIELD, Mass. – Many fans, workers, past workers, and city officials gathered at the Berkshire Hills Country Club Friday night to celebrate Pittsfield Community Television turning 40.

The room was alive with people eating, laughing, taking photos in a photo booth and watching snippets from PCTV's past archived programs throughout the decades curated by Operations Manager Dave Cachet.

President of the Board of Directors Sue Doucette acknowledged everyone in attendance and thanked the volunteers who help or have helped bring PCTV to the screen.

She reflected on how much technology has changed since 1986 and on PCTV's role in covering parades, debates and election-night precinct results 

"You heard it and saw it yourself, and you can interpret it your way. Not everybody has this, but we in Berkshire County do, and we need to be forever grateful to the people that have come before us and made this possible. So, for me personally, I love the staff at PCTV and the board members. I never begrudge going to a meeting. I like these people," she said.

Executive Director Shawn Serre said he feels as though this is their "Eras Tour," referencing Taylor Swift's record-breaking concert series. He reminisced about PCTV's eras.

"The first of our eras is the founders' era, that time when this was just an idea tossed around among colleagues with various skills and with an interest in creating a local source of television, but with no funding, no equipment, no facility, no staff, no volunteers other than themselves," he said.

He said the next era starts with PCTV's move to Fourth Street. At this point, they named their first executive director Garrett McCarey and built their first facility at 163 Fourth Street. They made community connections, programs, and learned the ropes, he said, adding that they "pushed the boundaries of what public access could accomplish".

He said the next era is their Federico era, led by former Executive Director Bernard Avalle and changing technology.

"Under his leadership, we moved our entire facility from the old building to a custom-built studio and offices. We expanded from one cable channel to three. We went from analog to digital to high definition," Cachet said. " We went from videotapes to DVDs to video servers and files. We had as many as seven staff members and grew the program. We designed and purchased a mobile production truck. We covered so many meetings, so many meetings. Viewers would look to us with trust on election nights, onn the Fourth of July, at sports events, and at special events. We have become a part of the fabric of life in Pittsfield."

And finally, the multi-platform era.

"Otherwise known as everything, everywhere, all at once. That's what it feels like. It's when we expanded our reach by saving WTBR FM from the wrecking ball and operating it. When we greatly expanded our PCTV sports program of live broadcasts from just about anywhere, we couldn't have imagined being able to do that early on," he said. "It's when, in the depths of the pandemic, we not only continued our regular broadcast and never stopped, but we also launched PCTV Select to provide high-quality video streams, live streams, and video on demand worldwide. When we started Park Square Productions to provide high-quality production services to clients and contribute to our mission."

He said their next era is still being shaped and will need the community to help.

"The next era, well, that one has to be shaped by you, by all of us actually, because after 40 years, we realize the only constant is change, and we know that while cable TV is at the moment still our sugar daddy, it won't be around forever," Cachet said. "But we know how important the kinds of services that we provide are, and the demand to not disappear." 

Rep. Tricia Farley Bouvier said local journalism is important and will save democracy. She presented PCTV a citation from the state House of Representatives signed by her and the Speaker of the House.

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