Posts Tagged ‘Tony Lucacio’

Storing Your Boat at the End of the Season – guest blogger Tony Lucacio

September will be here before we know it but in the meantime we have really enjoyed an awesome summer.  Still we need to think about storing some of those things we enjoy during the summer – like our boat.  Tony Lucacio from Merrimack Valley Insurance reminds us of what we need to do.   


It is sad to say but summer is more than half over and that means fewer chances to be able to go out on the boat. Once the boating season is over you are going to have to store that boat and it is best to store it right to keep your boat from being damaged. Here are some tips for storing your boat to keep it in good shape.

  • Prepare your engine to owner’s manual specifications.
  • Drain fuel lines, pumps, carburetors, and tanks
  • Drain and flush cooling system
  • Drain and refill the crankcase
  • Apply oil to inside each cylinder
  • Thoroughly clean the boat, including the hull, deck, cockpit, outer engine and all compartments
  • Coat the boat with a wax or other preservative
  • Keep all doorways and windows partially opened to avoid the air to stagnate in the room.
  • Put a cover over the boat to protect it from sun, rain, and snow. Make sure there are no spots where rain could pool on the cover.
  • Check all boating insurance to make sure it doesn’t expire while the boat is in storage. If it does expire get it insured with Massachusetts Boat Insurance.

There is still a lot of time left to go out on that boat and enjoy before you have to put it into storage. Enjoy this great summer weather before it is gone and gives way to the chilly fall season. Remember these tips when storing that boat to keep it in great shape so you can enjoy it next time you take it out.

Car Care Tips to Consider Before Your Summer Road Trip

With many of us making road trips over the coming weeks – whether they are for a few days, a week of a few weeks – be sure your car is ready.  Thanks to guest blogger Tony Lucacio from Merrimack Valley Insurance for reminding us so that we can enjoy our time with our family and not be pulled over on the side of the road waiting for AAA. 


Before you head out on that road trip that you have been planning, you are going to want to make sure that you keep your car in the best condition possible. Here are some tips to keep your car running smoothly before you begin driving down the open road.

  • Check your oil level and check for bubbles or foam, a milky appearance, or a strong smell of gasoline. These signs can indicate a need for an oil change.
  • Check the inflation of your tires. By having properly inflated tires you can increase your car’s gas mileage and lengthen the life of your tires.
  • Be sure to check all lights on the car, including the headlights, brake lights, blinkers, and high beams, to ensure they are properly working.
  • Clean your battery and make sure that it is charged. Hot weather can cause batteries to not hold charges because of evaporation of internal battery fluid.
  • Check the coolant level. Sitting in traffic on a hot, summer day can cause the temperature of the engine to go up and this can cause engine problems.
  • Have good windshield wipers. During heavy rainstorms it is important to be able to see what is going on in front of you especially during harsh driving conditions.
  • Finally make sure to have your car’s registration with you and make sure that your car’s inspection sticker is up to date when going on a road trip.

By following these little tips before leaving on that road trip, you won’t end up in the auto shop having to fix up your car. If you do happen to end up in that auto shop you can contact Massachusetts Auto Insurance for advice on what to do. Hopefully this information can help keep you off the side of the road and keep you cruising down the highway.

Tony Lucacio  Merrimack Valley Insurance (Billerica)


You May Need Coverage for Househould Employees

There is so much to think about when hiring someone to help around the home.  Perhaps you need a nanny to help with the children.  Are you opening yourself up for liability issues?  Check out this article from our guest blogger, Tony Lucacio, from Merrimack Valley Insurance. 

What you don’t know about covering your household employees can cost you plenty


It is not uncommon in today’s society for a professional working couple to need assistance with issues around the home. Usually these are services of a nanny or the equivalent. But not considering the potential liability issues could be harmful to the family finances.

Take the example of a nanny that is injured while working in the home, or perhaps injured injured in a motor vehicle accident while transporting the children to an event. That injured worker will be entitled to a weekly worker’s compensation benefit and not providing that benefit leaves the home owner exposed to heavy fines and the cost of the benefit to be paid out-of-pocket. Medical bills may be minor compared to the heavy amount that you could be forced to pay for lost wages.

Most states require home owners to provide coverage for their domestic help. A great resource to check on your individual state can be found by clicking here. Check out your state requirements.

For more information on coverage for your domestic help, click here. A qualified agent will be pleased to help guide you through the process of obtaining coverage, protecting your family and your worker, and help you avoid costly penalties and fines.

Tony Lucacio, CIC Merrimack Valley Insurance Agency Inc 655 Boston Rd #1A Billerica MA 01821

Ph: 978.667.2541 Fx: 978.671.4514 EM:



Do You Need a Personal Umbrella Policy?

Welcome back to our guest blogger Tony Lucacio, President of Merrimack Valley Insurance Agency (Billerica MA).  I have to tell you that I have had nothing but great experience with Tony and his staff.  On several occasions buyers needed his assistance and were very pleased with the service provided. 

This is great information from him – many of us think we don’t need this added protection when we really do. 

I’m often told by clients that they don’t need any protection beyond their home or auto policy for a variety of reasons. I have heard “I don’t own anything and you can’t get blood out of a rock”, or “I’m a good driver and not worried about it”, or most commonly, “I’ll think about it”. Let’s examine what an Umbrella Policy is and what protection it offers.

An Umbrella Policy provide coverage above and beyond the limits provided in your underlying policies, typically a Massachusetts auto insurance policy, a Massachusetts home policy, watercraft policy etc. These other types of policies are placed under the umbrella to provide greater protection, thus eliminating the need to buy higher limits on each underlying policy individually. Many umbrella policies also will fill in when coverage is not provided by your underlying policy, so long as not excluded by the umbrella.

Umbrella policies are available in incremental limits of $1,000,000. This minimum limit is the most commonly sold limit however in recent years $2,000,000 has become a very popular choice as baby boomers and others have seen the value of their assets rise due to rising home prices, retirement accounts and more. Annual premiums for this coverage begins at approximately $150. Your premium will be slightly higher if you own multiple vehicles or homes, have young drivers in your household, or own watercraft, rental property, or recreational vehicles. Incidently, there are all more of a reason one should purchase umbrella protection.

No one every believes they will be involved in a major lawsuit. The simple truth is that accidents can and do happen. A young child chases a ball into the roadway, a driver is distracted and misses a stop sign, your dog bites a child, an acccident in a swimming pool, or any one of other numberous things we do in our daily life that somehow can go wrong are all instances where an umbrella would provide valuable protection. Remember, you don’t have to be responsible to be sued. People are sued often in these circumstances and still must have a defense provided for them. This too is provided by your umbrella policy. Sometimes an auto or home insurance carrier simply write a check for the policy limit when a policyholder is responsible, leaving the policyholder without any further coverage. What would you do if you needed more defense costs or a judgement was for more than the policy limit.

In summary, answering the question “who needs an umbrella policy?” is a simple. Just about everyone. If you own a home, a condo, or rent an apartment, have assets in the bank or a retirement account, you should consider an umbrella policy. For as little as $150 annually you will have piece of mind that your assets are protected. That’s less than the price of two cups of coffee per week.

For more information on umbrella policies, phone (978)667-2541 or click here.

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