What is umbrella insurance and do I need it?

Umbrella insurance works very much like an umbrella you would use to keep the rain away. It extends the protection your home or auto affords. A personal umbrella policy provides liability insurance over and above your primary insurance policy limits, such as homeowners and auto. It’s used when you are found liable for a claim that exceeds the limits of your underlying policies.

Let’s tackle a few questions about umbrella insurance coverage to clear up some common misconceptions.

What does umbrella insurance cover?

  • Bodily injury liability covers the cost of injuries to another person

  • Property damage liability covers the cost of damage or loss to another person's tangible property

  • Other personal liability covers other actions a policyholder could be sued for, such as:

    • Slander (an injurious spoken statement)

    • Libel (an injurious written statement)

    • False arrest, detention, or imprisonment

    • Malicious prosecution

    • Mental anguish or shock

What are some examples of when you may need an umbrella policy?

  • You cause a 10-car accident and your auto insurance property damage coverage isn’t high enough to replace all 10 accident victims' vehicles. Nor is your personal liability coverage high enough to pay for their medical bills.

  • You send sandwiches to your son’s school for a field trip lunch. Several students develop food poisoning and their parents sue you.

  • Have a pool in your backyard? Say you host a backyard BBQ and a neighbor who can’t swim ends up in the deep end. Your homeowners insurance liability limit alone might not be high enough to cover all of the medical or legal costs from this incident.

  • Your child gets in a fight at school and breaks another kid’s arm. The parents of the injured child sue.

So do I really need umbrella insurance?

As a general rule, you should purchase umbrella insurance if the total value of your assets, including ordinary checking and savings accounts, retirement and college savings and investment accounts, and home equity is greater than the limits of your auto or homeowner's liability. The idea behind this advice is that you want to have enough liability insurance to fully cover your assets so you can’t lose them in a lawsuit.

A second piece to consider is “Am I at risk of being sued?” and the answer here is that while yes, everyone is, especially in the lawsuit happy world we live in, however some may be more at risk than others. If you own property and rent it out, if you employ household staff, have a trampoline or a hot tub, or swimming pool, if you often host large parties, have teenage drivers, or if you are a well known public figure, all of these types of activities can put you more at risk.

Ok, so what is it going to cost me?

Compared to other types of insurance, umbrella coverage is quite affordable. As far as the “Bang for your buck” factor goes - umbrellas are tough to beat! The Insurance Information Institute says most $1 million policies cost $150 to $300 per year. You can expect to pay about $75 more per year for $2 million in coverage, and another $50 per year for every extra $1 million in coverage beyond that. Most insurance companies’ umbrella liability policies start at $1 million in coverage, with higher limits available.

Why is umbrella insurance so cheap? It’s partly because you have to carry plenty of homeowner's and auto insurance before an insurance company will issue you an umbrella policy. You’ll need to carry certain liability coverage available under your homeowner's and auto policies before you can purchase an umbrella policy.

What doesn’t an umbrella policy cover?

  • Damage to your own property. Remember, it’s a liability policy, so it will only cover you if you’re held responsible for damage to someone else’s property.

  • Damage that you or a covered member of your household cause on purpose. If you deliberately pushed your party guest down the stairs, umbrella insurance wouldn’t cover the costs of the lawsuit or judgment (and neither would your homeowner's insurance).

  • Liability incurred in business or professional activities. You’ll need business liability insurance to cover these incidents.

If you have questions about your liability coverage and whether or not you need umbrella insurance, please contact our office. We’d be happy to review your current policies and situation to help you weigh the costs and potential benefits of this coverage.

How to Prepare for Extreme Cold

With the upcoming deep freeze heading towards New England we encourage you to be prepared for the extreme cold, however short lived in may be! Here are some tips to consider as we head into this weekend.

  • Drain outside faucets and use insulated faucet covers

  • Keep cabinet doors open to let warm air circulate around the pipes under sinks and adjacent to outside walls

  • Turn on all faucets at a slow drip to keep water moving and to prevent pressure from rising

  • Set the thermostat no lower than 65 degrees. And don’t turn your heat down at night! You want to maintain your heat throughout the night when this cold weather hits. Depending on what type of heating system you have, when you turn your thermostat down at night your heat system won’t cycle for a while and during that down period the heat lines can freeze.

  • If you have an attached garage, keep the doors shut except for during exit and entry. Garages (and the pipes in them) get colder than you might expect!

  • If you’re leaving your property for an extended period of time, consider shutting off the main water supply line and winterizing your appliances. A licensed, fully insured plumber can perform this work for you. Additionally, keep your heat on and ask someone to check on your property regularly.

  • Know the locations of your water mains and supply lines. Mark them so they can be easily shut down in the event of an emergency, such as a burst pipe or structural damage.

  • Remember that if it’s too cold for you, it’s probably too cold for your pet, so keep your animals inside. If left outdoors, pets can freeze, become disoriented and wind up lost. In addition, don’t leave pets alone in a car during cold weather, as cars can act as refrigerators that hold in the cold and cause animals to freeze to death.

Problematic Pests - Protect Your Home, Especially in Winter!

It’s the time of year to be cozy here in New England. With temperatures plummeting and snow on the ground, you might be spending a lot of time inside your home. It’s only logical that in this time of year we see an increase in some unwanted house guests: rodents and insects who also want to start warm in the winter months! From mice to termites to squirrels, all types of creatures can make their way into your house during the winter — leaving a trail of destruction. Let’s talk about how you can keep your home pest-free this winter.

Winter Pest Problems

Pests can cause problems in a home any time of year but winter is a very common time for them to do so. Why?

  1. Those that don’t hibernate are searching for food and shelter in the winter months, both of which they can easily find in your home. You want to be warm and toasty indoors, so do they!

  2. When you brought live greenery inside for the holiday season, like wreaths and trees, did you inspect it for the spiders, moths, and other pests that like to nest in greens?

  3. That fireplace sure is cozy! But you should leave the firewood outside unless you inspect it for pests before bringing it indoors.

  4. In addition to food and shelter, with the dry air, pests are searching for moisture. Just like us, pests and insects need water to survive and they can often find it in your bathroom or kitchen.

Potential Dangers of House Pests 

Aside from the fact that pests indoors are simply a nuisance and are invading your personal space, there are serious threats they pose to you and your family that go beyond headaches.

  1. Structural damage - Lots of cold weather pests like rats and raccoons can cause serious structural damage to walls and electrical wiring as they gnaw through a house looking for food or warmth. 

  2. Spreading disease - Mice and and other pests can carry diseases like Hantavirus and Salmonella which will make family members sick if contracted.

  3. Mess - Even if the problem doesn’t escalate to structural damage or disease, rodents are still capable of creating a big mess for you to clean up. It’s not fun to find animal droppings in your belongings or torn-through items.

If you ever suspect an infestation of any kind of pest, you should call a professional exterminator immediately. 

Here are some steps you can take to be proactive in preventing a pest problem this winter:

  • Take out the trash as often as you can.

  • Keep food sealed in air-tight containers.

  • Clean up food and beverage messes, including crumbs and residue, immediately after spills or cooking.

  • Check for vulnerable spots around your house. Even the smallest of openings are easy access points for pests.

  • Seal gaps, cracks, and holes around the house. Install weather stripping around windows and doors. Seal interior holes and gaps with good quality caulking or protective sealent.

  • Check for broken vents on the home’s exterior. Repair any loose siding or shingles.

  • If you have a chimney, consider a chimney cap to stop creatures from entering from above.

  • Clean gutters regularly to avoid pooling water—the perfect breeding ground for some insects.

  • Keep areas clear of clutter where mice and other creatures like to hide. It’s time to clean out those closets!

Follow the preventative measures we’ve provided above and if these critters still manage to make their way into your living space, take immediate action.

The House on Boston Road – Singletary Farm

By Steve LeClaire

While cleaning out my parent’s home on Boston Road recently, I came across this fascinating photo. It shows the home on Boston Road that would be owned by my grandparents, Stephen & Mary Benjamin from 1927 to 1953. I’d never seen this picture growing up, and immediately knew I’d struck gold. My grandmother’s scrapbook only had pictures back to 1927, so I knew this was the earliest picture that existed of the property. It shows seven people who appear to be the owners or residents. I’d never seen the white picket fence in any photos my grandmother had. Who were the people in the picture and when was it taken? On the back, in script I did not recognize it said: “Esq Sibley Estate, Later John D. McCrate followed by James W. Stockwell. So I knew I had the right place. I set out with the two volumes of the Sutton Town History to find out what I could and make some educated guesses. Here’s what I found out:

The Whipples -

Not many know the history of what is currently St. Mark’s Catholic Church Rectory on Boston Road. The Sutton Town History says “the original upright part of the house was presumably built by John Whipple sometime in the 1760’s.” Tracing the Whipples is complicated, as there are several generations of ‘Johns’, as well as second and third marriages after deaths. Whipples feature strongly in the settling of Rhode Island. John Whipple I, was born in 1695 in Salem Mass, and died in Sutton in 1740. He served as Sutton’s Town Moderator off and on between 1725 and 1730, and as Selectman between 1721 and 1727. My guess is that he arrived in Sutton in 1721, just before the birth of his son, but I’m unable to ascertain where he lived at first. One of John’s earliest recorded acts as a selectman in 1723 was to ‘be (on) a commity to dispose of ye room allowed for Pews to such Inhabitance of Sutton as they according to their best discressing (discretion) shall judge meet.” Whipple was assigned ‘front 5 foot and 3 inches, deep 5 foot and 6 inches, being on the west side of the south door’. The new church on the common was barely 4 years old. He is then sprinkled throughout the town meeting records of those earliest years, amongst those charged with hiring, handling salary disputes and eventually dismissing the first minister, Rev. John McKinstry, and hiring Rev. David Hall.

His son John, later Capt. John Whipple II was born in Billerica Mass in 1722. He married Susanah Putnam in Salem. As this John Whipple would have been 45 years old in 1767 when the main portion of the Sutton house is estimated to have been built, it is probable that this is the John Whipple referred to in the Town History as the builder of the house. He died in Central Falls Rhode Island in 1807, and is buried there. The only official mark John II left of his time in Sutton, is the recording of the birth of his son John Whipple III, born on March 15, 1766. When John III was born in Sutton to Captain John and Susannah Putnam, she was 42 he was 44, perhaps old for child bearing years by the standards of the day. The Town history refers to John III as ‘Jr’, and says he was educated at Leicester academy, before marrying Anna Hall of Sutton in 1794. They had ten children together, and moved to Charlton Massachusetts, where he died in 1847 at 81 years of age. He was buried there, and left behind a large estate. John Jr ( or III) also had a half- brother, ‘Deacon John Whipple’ (1748-1772) from Captain John’s first marriage to Sarah Cummings. The half- brother and family are buried in South Sutton Cemetery. Confused?

Rev. Edmund Mills -

John Whipple Jr (III), conveyed the property to Rev. Edmund Mills in 1803. Mills occupied it about 15 years, to about 1818, when the family moved east to Sutton Center. ( to the Halls-Mills house ) Mills was born in Kent, CT in 1752. After graduating from Yale College in 1775, he married widow Abigail Moore Packard in 1789. Rev. Edmund Mills was ordained pastor of the First Congregational Church in Sutton on June 23, 1790. Before the move to ‘Singletary Farm’, Mills owned the ‘Major Elliot’ home, later owned by L.W. Howard as of the writing of the Sutton History Vol 1 in 1876, and currently owned by Keith Downer. Mills brought up two of Packard’s children there, and the couple had six children of their own. Mills died in Sutton in 1825. In 1826, the Town voted ‘to procure gravestones to the Rev. Edmund Mills grave ( in Sutton Center cemetery ) said stones not to exceed forty dollars.’

Hon. Jonas Sibley, then by his son Jonas L. Sibley, esq.

Brothers John and Richard Sibley arrived in Salem MA from England in 1629. John’s sons Joseph, John, and Jonathan were amongst the original proprietors and first 30 families to settle Sutton. Five generations later, Jonas Sibley was born March 7, 1762 in Sutton. Jonas and wife Lydia had 3 children. He represented the district for nineteen years in the state legislature and was also a state senator. He died in 1834. His youngest, son Jonas Leonard Sibley was born Jan 4, 1791 and graduated from Brown University, class of 1814 and was admitted to the bar in 1817. Although Jonas and Jonas Leonard were ‘engaged in agriculture’, they both found time to be active public servants. Jonas L. represented Sutton for several years in state legislature, and was eventually appointed US marshal for the port of Boston by President Jackson himself. The elder Sibley served as Town Moderator between 1802 and 1809, and the younger between 1812 and 1833. He served as Sutton’s Town Clerk between 1823 and 1830, and served on the School Committee.

The ell of the house was built during the Sibley’s ownership, presumably between 1830 and 1850 and was used as a law office under Jonas L’s tenure. The 1850 census lists the value of the farm at $2,250 encompassing 80 acres of improved land and 26 acres of unimproved land, $75 dollars-worth of machinery, 1 horse, 5 milk cows, 2 working oxen, 13 other cattle, and one swine. The value of the livestock was set at $475 dollars. After 35 years of marriage, Jonas Leonard Sibley died in 1852. Margaret died in 1858.

Jonas Leonard had married Margaret Nusom Monroe in 1817. Together, they had 8 children. 4 of whom were living at the time of the writing of Sutton History, volume 1.

1. The eldest, Susan Maria Sible was born in Sutton in 1818. She married the Honorable John Dell/Dennis McCrate in Boston on January 2, 1851. McCrate was born in Wiccasset Maine on October 1st, 1802, and died in Sutton in 1879 at 77 years of age. The McCrates had no children.

2. Daughter Joanna LeBaron Sibley was born May 1st, 1820. She marred the Rev. John J Pierpont in Sutton in 1844. They moved to Medford, where she died in 1852. She is buried in Sutton Center.

3. John Monroe Sibley was born on August 7, 1822 in Sutton. He married Experience Clark Wheelock on September 6, 1848 in Warwick RI. He died on June 4th, 1900 in Sutton. The couple went to California for a time, and had one son, John Pierpont Sibley.

4. Frances Lydia Sibley was born Feb 22, 1824 in Sutton and died Oct 21, 1827 in Sutton.

5. Mary LeBaron was born March 16, 1826 and died June 3, 1830. Mary and Frances are both buried in Sutton Center.

6. Henry Jonas Sibley was born on April 21, 1828 in Sutton. He married Mary Hutchinson of Lebanon CT on Sept. 23, 1878 in Alameda, California; died on Sept. 17, 1889 in Sutton, MA. As of the 1880 Census, Henry & Mary were living in California, where Henry worked as a real estate agent. Henry died in 1889, and is buried in Sutton. Mary died in 1904, and is buried in California.

7. Frances Mary Sibley, born August 29 1830 in Sutton married James Willard Stockwell, son of Simeon & Delia ( Holbrook ) Stockwell, on June 25th, 1867 in Sutton. She died ‘suddenly and unexpectedly’ in Sutton on November 10, 1900.

8. Margaret Louisa Sibley was born October 26, 1832 in Sutton. She died on January 29, 1836 in Sutton.

The McCrates & Stockwells -

Jonas L Sibley’s eldest daughter Susan (b. August 31, 1818 ) married Hon. John D. McCrate on January 2nd, 1851. McCrate was born in Wiccasset Maine on October 1st, 1802 and had entered law school at the age of 13, graduated at 17, and began his profession in Maine at age 20. He was a member of the House of Representatives from Maine and together he and Susan became the owners of the Sutton property around 1852, when McCrate retired from law ‘to engage in agricultural pursuits.’ He died in Sutton in 1879 at 77 years of age. The McCrates had no children.

Another of Sibley’s daughters, Frances Mary, born in 1830, married James Willard Stockwell of Sutton in June of 1867. Stockwell was born in the Eight Lots district in 1838. He registered for the Civil War draft in 1863 at age 25 as required, but apparently was never called up. As a point of interested, he is listed right along with Hollis Sherman, also age 25. Sherman’s son Louis would purchase ‘The Elms’, the home east of Stockwell on Boston Road in 1912.

As of the 1870 census, Stockwell is listed as a lumber dealer. The Stockwells apparently had no children of their own, but James had guardianship for Hattie L Warfield, born in 1857.

The Stockwells became the owners of the property upon Susan McCrate’s death in Boston in 1889. Sutton Town History vol II states: “(The Sibley sisters) were cultured women, respecting old customs and traditions. Mrs. McCrate was regal in bearing, of great courage and determination, yet kindly in nature. Frances Stockwell was a woman of unusual charm and grace. On November 10, 1900, as she returned to the room after bidding goodbye to guests whom she had entertained for the evening, she sank to the floor and passed away in an instant. Thus, quietly came the end of her beautiful life.” James W. Stockwell himself gave many years of public service as Town Treasurer, Tax Collector, and as State Senator from the district in 1879. He was chairman of the School Committee, and instrumental in the establishment of the first Sutton High School. He was a member of the Olive Branch lodge of Masons.

Mr. Stockwell married his second wife, Joanne Garvin on April 23, 1902. Because of ill health, the Stockwells sold the farm in 1927 to Stephen E. Benjamin of Millbury. Mr. & Mrs. Stockwell had by then moved to the Bancroft Hotel in Worcester, where they lived until their deaths in 1931 and 1935 respectively.

The 1900 Census Survey, taken just prior to Frances Stockwell’s death shows the following residents:

James W. Stockwell: Head of family, age 62

Frances Stockwell: Spouse, age 69

Joanna Garvin: Sister in law, age 28. Her birth date says 1851, ( tombstone says 1854) which would make her 49. There are many other discrepancies re: Joanna Garvin. Her parents were both born in Ireland, making her 1st generation in this country. In other documents and census, she is listed as a ‘domestic servant’. At any rate, she was living ‘with the family’ prior to Francis Stockwell’s death. If she was a ‘sister- in- law’ to the head of the household, I’ve yet to find the connection.

Also listed as residents on the 1900 census:

John M Sibley: Brother in law, ( son of Jonas L. Sibley ) age 77, married in Warwick RI in 1848. He died June 4, 1900.

Eliza Farrill: Servant, age 32 from PA.

So, who are the seven people in the photo? We’ll never know for sure. But with some extrapolation and known pieces of the puzzle, one can make educated guesses. Most of the Sibleys, McCrates, and Stockwells were gone by 1900. The straw boater hat is a clue. Although these hats existed as early as the 1820’s, they were not ‘popular’ until the 1880’s through the 1930’s. The full- length dresses appear to be turn of the century in style. If we ‘assume’ that the women in the white dresses are Susan Sibley McCrate ( who predeceased her sister) and her sister Frances Sibley Stockwell, ( who died in Boston in 1900 ) the picture could be circa 1890, with Susan being about 70 and Frances being about 60.

There are three men in the picture. Since we know John D McCrate died in 1879, it is unlikely he is pictured here. James W. Stockwell would have been only 52 in 1890, and John M. Sibley would have been 67. But let’s assume the picture is circa 1879. Is the man seated behind the fence - who appears to be the oldest of the group - indeed McCrate? He’d be about 77. Then, are the couple in the fence opening James W. Stockwell ( age 41) and wife Francis ( age 49 )? Is the short woman in the hat Joanna Garvin, age 22? Is the man in the boater John M Sibley at 56? With wishful thinking, it could be possible.

I’ll never know, without seeing proven pictures of all those named, but it’s fascinating to me to put together the pieces of the puzzle of those who went before us, and made their lives on Boston Road. I find them all friendly ghosts. I welcome any corrections or further information.

Tips on Driving in Snow!

The snow has arrived and winter is really here which means you may have to drive in inclement weather. That can pose extra risks when you’re behind the wheel. The American Automobile Association’s (AAA) Foundation for Traffic Safety says snow-covered roads — as well as roads coated with ice, slush or water — account for nearly 500,000 vehicle crashes and more than 2,000 road deaths each year.

Here are a couple of quick tips to stay safe while driving in the snow.

1. Stay home if you can!

If the weather is bad, stay home. Only go out if necessary.

2. Remove snow and ice completely

Before you clear off the windows, start the car, set the airflow to defrost, the fan speed to maximum, and the temperature to high. The goal is for the driver to have an unobstructed view in all directions.

Carry a brush to remove snow on the vehicle’s roof, hood, trunk lid, and all windows before driving. Use a scraper or a credit card to remove ice on the car windows and mirrors if necessary. Make sure to fully clear snow off of the roof of your vehicle.

3. Decrease speed

Winter driving is all about slowing down and giving yourself plenty of distance between vehicles in front and to the side of your vehicle. Remember, bridges and overpasses freeze first. Lower your speed to account for poor traction. Don’t press on the accelerator pedal with full throttle when driving in sleet, ice, and snow.

4. Minimize distractions

There are always distractions that come into play as part of everyday driving — the temptation to talk on your phone, turn on a podcast, or anything else. The risk of an accident greatly increases when snow and ice cover the street. Pay attention to the road and other road users. Use extra caution when the conditions are poor.

5. Keep a full tank of gas or stay fully charged

Fill up your gas tank ahead of a storm and keep it full. You don’t want to run out of gasoline if you end up stuck for hours in bumper-to-bumper traffic during a snowstorm, sleet, or ice storm. When the tank gets half empty, fill it up. Stay fully charged or at least at 80% as much as possible in an electric car. Know your electric vehicle’s systems that eat up battery charge, including blasting the heat. Instead, keep seat warmers (if equipped) on low and use your systems sparingly to preserve battery power.

6. Educate your teen drivers on driving in smow

There may be a few exceptions, but probably close to 100% of us learned the basics of driving on dry pavement. To prepare teens for winter driving, take them to a parking lot that is covered with snow to demonstrate braking, steering, accelerating, and decelerating. Do this before the driver hits the slippery streets on their own.

7. Respect snowplows

Snowplow drivers focus on clearing roadways. At the same time, the snowplow driver may be on the radio getting instructions from a superintendent. As a result, it could be that peripheral vision gets obstructed by the flying snow and the truck’s big snowplow. The driver may not see your vehicle.

In addition, watch out when driving next to a snowplow on a major roadway. The snow that flies off the sides of the plow can hit your windshield, making it difficult and near impossible to see the road. To be safe, keep a distance from any snowplow on the road.

8. Be on the lookout for black ice

The pavement looks wet, but it is actually ice-covered. Black ice is the term used to describe this condition. During the day, the ice and snow may thaw. But as the temperature drops in the late afternoon or evening, water may turn to ice on the roadway. Pay attention to changing temperature conditions.

Many vehicles post the outside temperature on the instrument panel display or elsewhere in the vehicle — as it gets close to or below freezing, beware.


Before you head out on snowy roadways make sure you have the right auto coverages on your policy. Contact our office today if you have any questions or for a complimentary policy review.