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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Lanesborough Looks to the Future of Zoning Bylaws

By Breanna SteeleiBerkshires Staff

LANESBOROUGH, Mass. — The Planning Board is reviewing the town's zoning bylaws with an eye to amending zones to align with planning documents and projects. 

Members started at last week's meeting to at priority zoning projects that align with the Open Space and Recreation Plan and the Master Plan that was adopted last year. Earlier in the meeting, the board accepted the Berkshire Regional Planning Commission's draft of the OSRP, which the Select Board accepted late last month.

Town planner Andrew Groff informed the board of upcoming projects that will need to be looked at for zoning purposes to try and stay ahead of the bylaws that aligned in both the OSRP and Master Plan.

"Principally, would be going back and thinking about this idea of a mixed-use zoning district for the northern part of town that's responsive to the growth of outdoor recreation as it is really an industry. So you've got Shaker Ridge, you've got the folks at Donnybrook that proposes a glamping resort, Ramble Wild, and Brodie Mountain just over the town line in New Ashford with some new ownership and expanded interest in some development there, so that's one item that's called for in both."

Groff also explained they need to look into agriculture zones to help local farmers 

"Seeing if we can't do something to better support our farms because we have a couple great little farm clusters in Lanesborough. You know, zoning for agriculture is pretty expansive in Massachusetts. The exemption for agriculture is pretty wise, but we want to take a closer look and talk to some of our farmers and figure out there's some tweaks we can do that would make their lives easier."

He also brought up how they can help fix the zoning bylaws around the lake that are nonconforming and want to look into grant funding to help.

"Work that's going to be done to further protect Pontoosuc Lake, and we have a lot in our master plan regarding the zoning issues on Pontoosuc from the issue that you had mentioned to me, bringing back the citizens who were concerned about building heights down there, but you know, more fundamentally identified in the master plan is the problems with how everything is basically nonconforming. The zoning doesn't conform to what the actual built environment is. That's something we probably want to look into talking with folks in the community planning office," he said.

Groff mentioned there is a ballot question that, if it passes, would mean changing zoning regarding public water and sewer, and affect properties near the lake. 

"There is going to be on the ballot in November a question that will essentially require any community in Massachusetts that has built an environment that's on public water/sewer, you're going to have to reduce your lot sizes to 5,000 square feet. So I feel like if that passes, that has massive implications for that part of town. So, just another one to put out there, but maybe we want to wait to really tackle that with some grant funding once we know what the Legislature's done."

Chair Leanne Yinger said she lives in that area and it already seems very congested, meaning that the passage of the ballot question could have big implications.

She also mentioned another implication for the health of the lake she would like to see happen.

"I would like to see us ban pesticides and people treating their lawns," she said. "Part of the problem of the health of the lake is that when I say that out loud, and I'm saying it out loud to anybody who will listen to me, it is not a popular thing to say. But it is killing the lake."

Yinger said she would like to clarify who governs the sewer system around Pontoosuc Lake, noting the new owner of a friend's house needed to purchase access to the sewer from a private party. Groff said he couldn't remember if it is water district or town, but that there is something "funky" about the governance over there.

"I need to understand what that looks like, because the way it came down was interesting. The line comes in from Pittsfield, but there are people claiming that they have rights to it because they bought into it originally. I just want to understand what that's like and who's saying you're in charge with it, because it seems to me that that's a town-managed situation," Yinger said.

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