MCJ Insurance Agency

10/15/2026

Long weekend drives + fall dusk = deer season. 🦌🍂 Animals are more active in the fall, especially around dawn and dusk.

On the road:
👀 Scan the shoulders, not just the lane ahead
🐌 Slow down on wooded, rural stretches
🛑 Brake firmly if a deer appears. Swerving can lead to a worse crash

On your policy: in many auto policies, hitting an animal falls under comprehensive coverage, which is optional in Massachusetts. If you dropped it to save on your premium, it's worth a second look.

Not sure what you have? Ask us: mcjins.com

📍 MCJ Insurance | Beverly, MA

10/13/2026

What's the most valuable thing you've purchased recently?

💍 Jewelry?
⌚ A watch?
🎨 Artwork?
📷 Camera equipment?

One mistake homeowners sometimes make is assuming their homeowners insurance provides unlimited coverage for every item they own.

Certain categories of personal property can be subject to specific limits, exclusions, deductibles or coverage conditions.

Depending on the item and your policy, scheduling valuable property or purchasing additional coverage may be worth considering.
So when you make a significant purchase, add one more thing to your checklist:
Tell your insurance agent.

A five-minute conversation now could save a much more difficult conversation later.

💻 Visit the MCJ Insurance website to connect with our local team and review your homeowners coverage. https://mcjins.com/

10/05/2026

🔥 It's Fire Prevention Week (Oct 4–10), and this year's spotlight is safe charging. Phones, laptops, tablets, e-bikes, scooters and power tools all run on rechargeable batteries, so a few habits go a long way:

🔌 Use the charger and cord made for your device
🛋️ Charge on a hard, flat surface, away from anything that can burn
🌡️ Stop using a battery that swells, overheats or smells odd
📵 Skip cheap, unbranded chargers and batteries

And if the worst ever happened, would you know what you own and what your policy covers? Items like e-bikes and scooters can be treated differently on a policy, so it's worth asking.

Questions about your home or renters coverage? mcjins.com
📍 MCJ Insurance | Beverly, MA

09/30/2026

A finished basement can represent thousands of dollars in flooring, furniture, electronics and other belongings.

Now imagine several inches of water covering the floor. 💧

One coverage homeowners should understand is water backup coverage.

Damage caused when water backs up through certain sewers or drains—or from some sump pump failures—may not be covered the same way as other types of water damage under a standard homeowners policy.

Coverage varies by policy and carrier, which is exactly why it's worth asking the question now:

“Am I covered for water backup?”

For homeowners throughout Beverly and the North Shore, fall is a good time to review your coverage before winter weather arrives.

Don't wait until you're standing in a wet basement to find out what's covered.

💻 Visit the MCJ Insurance website to request a homeowners insurance review or quote today.
https://mcjins.com/

09/28/2026

Do You Need Commercial Auto Insurance? 🚚

Using your vehicle for business? Don't automatically assume your personal auto policy is enough.

If you or your employees use vehicles to:

🔧 Travel between job sites
📦 Make deliveries
🛠 Transport tools or equipment
👥 Visit customers
🚚 Operate company-owned vehicles

…it may be time to discuss commercial auto insurance.

Personal and commercial auto policies are designed for different risks, and the wrong coverage can become a serious problem when a claim happens.

MCJ Insurance helps businesses throughout Beverly and the North Shore understand their commercial insurance options.

Get a quote today: https://mcjins.com/

09/23/2026

Fall is officially here in New England. 🍂

Before the leaves really start falling, save this fall home maintenance checklist:

🍁 Clean gutters and downspouts
🔥 Have your heating system inspected
🧯 Test smoke and carbon monoxide detectors
🌳 Trim branches near your house
🚰 Disconnect outdoor hoses before freezing temperatures arrive
🏠 Inspect the roof for signs of damage

Preventive maintenance can help protect your home and reduce the chances of an avoidable insurance claim this fall and winter.

09/22/2026

🌳 Your neighbor's tree just came crashing down onto your property.
Surely their insurance automatically pays...right?

Not necessarily.

Who is responsible can depend on why the tree fell and the circumstances surrounding the loss.
If an otherwise healthy tree comes down during a major windstorm, damage to your home may fall under your own homeowners coverage.

If there was evidence the tree was dangerous, dead, or neglected beforehand, liability could become a different issue.

Fall is a great time for North Shore homeowners to look around their property—and neighboring trees—for anything that could become a problem during our fall and winter storms.

If damage does happen:
📸 Photograph everything
🌳 Document the condition of the tree
📝 Keep records of conversations or prior concerns
☎️ Contact your insurance agent

Every claim is different, so don't assume you know who's responsible before reviewing the situation.
💻 Have questions about your homeowners coverage? Visit the MCJ Insurance website to connect with our team or request a quote.

https://mcjins.com/

09/16/2026

Don't just listen to us, hear what our clients have to say about MCJ Insurance. Get your online quote today: https://mcjins.com/

09/14/2026

Sending a student off to college comes with a long checklist—but insurance probably isn't near the top of it. 🎓

It should at least be part of the conversation.

Students living in a dorm may have some coverage for personal belongings through a parent's homeowners policy, subject to the policy's terms and limits. But if your student moves into an off-campus apartment, their insurance needs can be different.

Think about everything they bring with them:
💻 Laptop
📱 Electronics
👟 Clothing
🛋️ Furniture
🚲 Bikes
🎮 Gaming equipment

Renters insurance can help protect personal belongings while also providing liability protection if your student is responsible for certain injuries or property damage.
Before assuming they're covered, check with your insurance agent.

Get covered today: https://mcjins.com/

📍 MCJ Insurance proudly serves Beverly and communities throughout the North Shore.

09/11/2026