As an independent insurance agency, Gilmore & Associates represents a diverse group of reliable, highly-rated insurance companies. We treat you like a person, and personally assist you when you have a claim. Please call us for a confidential, no obligation, appointment at (413) 772-0251, or throughout New England at (800) 494-2639. We look forward to serving you and your insurance needs. Or if you prefer...

YOU CAN REQUEST AN INSURANCE POLICY APPLICATION
by calling us at (413) 772-0251 or emailing us at info@gilmoreassociates.com. We will either fax or mail you the appropriate paperwork right away.

HOMEOWNERS / RENTERS & CONDOMINIUM UNIT OWNERS INSURANCE

Most homeowners policies provide broad coverage but not every type of loss is protected by homeowners insurance. Some of the exclusions you will find are:

• Ordinance or Law -provides payment for the increased costs incurred because of any local ordinances or building codes that affect the use of, repair, replacement or demolition of covered buildings or other structures which are damaged by a covered cause of loss.
• Flood
• Earthquake or earth movement including volcanic eruptions, landslides, mud flows, and the sinking, rising, or shifting of land.
• Acts of war and nuclear or radiation hazard.
• Loss caused by animals including birds, vermin, insects, rodents or domestic animals.
• Loss caused by wear and tear, gradual deterioration, rust, fungi, bacteria, mold, corrosion, dry or wet rot, or warping.
• Vandalism and malicious mischief if the swelling has been vacant for more than 30 days.
• Fire and lightning if the dwelling has been vacant for more than 60 days.

A complete list of exclusions can be found in your contract. Coverage can be "bought-back" for some of the exclusions but not all. Let us know if you would like more information.

AUTO & MOTORCYCLE INSURANCE

IN 2005, THE STATE AGAIN PERMITTED COMPANIES TO OFFER RATE DEVIATIONS, GILMORE & ASSOCIATES is very pleased that all of the companies we represent elected to reward good drivers with discounts based on their SDIP Step. If your vehicle is eligible, the credit is automatically applied and a message is printed on your policy declaration page.

• Agency Recommendations: Our agency still recommends a minimum of $100,000/$300,000 on Part 3, 5, and 12 and $100,000 on Part 4. Higher limits are available.

• Buying a Car? Please call us. Coverage cannot be bound until we hear from you.

• Own a Pickup or Van? Caps, bedliners, special tires, etc. are not covered unless these items are specifically added.

• Vehicle Loan Paid? If yes, please notify us if your lienholder is still listed on your policy.

• Do You Need A Rental? Part 10 pays (regardless of who is at fault) for a rental vehicle when your vehicle is not driveable or in the repair shop as a result of an accident.

• The 2005 Consumers Guide to Auto Insurance and 7th Edition Massachusetts Auto Policy booklets are available. Stop in or call if you would like copies.

• Discounts are available as follows:

1. Low Mileage - Annual miles driven is 7,500 or less.

2. Anti-Theft Device - Credit off Part 9 only. An application identifying the type of device is required and the discount varies accordingly.

3. Air Bag or Automatic Seatbelts - This credit, called "Passive Restraint Discount" is usually added automatically by the company, if your vehicle qualifies.

4. Multi-Car Discount - Credit off Part 7 or 8 only. To be eligible, you must have 2 or more vehicles covered by collision and no inexperienced operators.

GILMORE & ASSOCIATES office hours are 8:00 am to 4:30 pm Monday through Friday.

New office hours at the Northampton Registry of Motor Vehicles are 8:30 am to 5:00 pm, Monday through Friday. They are now open until 7:00 pm on Thursdays.

The Greenfield registry of Motor vehicles is now a full-service branch.

The Springfield Registry of Motor Vehicles is open Saturdays from 8:30 am to 5:00 pm.

If you have questions for the Registry of Motor Vehicles, you may call the Registry's Customer Service phone line at 1-800-858-3926 or 1-617-351-9580. Or check out their Web Site at: www.massrmv.com.

Again, we would like to thank you for choosing our agency.

LET US TELL YOU ABOUT OUR GROUP AUTO DISCOUNTS!

If you are employed by one of the following oraganizations you may be entitled to a group discount:

• Esleeck Manufacturing
  
• Greenfield Co-Operative Bank
  

Please call our office for a quote. (413) 772-0251.

ADDITIONAL INSURANCE PRODUCTS OFFERED

• Umbrella / Excess Liability
• Small Watercraft and Yacht Insurance
• Flood Insurance
• Small Business Auto Insurance

Please call for more Information and specific coverages.

Obtaining the best service from skilled and experienced financial representatives is most important to you and/or your business. A complete array of insurance and investment products are available from Excellent to Superior rated companies by A.M. Best. Included is The New England, a subsidiary of Metropolitan Life, with offices in Boston.

Let us show you how to obtain the proper protection you require.

PRODUCTS
   Individual and Group Disability
   Annuities
   Long Term Care Insurance
   Individual Retirement Plans

COMPANIES
   New England Financial
   UnumProvident Corporation
   The Principal Financial Group
   Security Connecticut
   American Investors Life Insurance

*Securites Products are offered by Registered Representatives of
  New England Securites Corp
  17 N Main Street
  West Hartford, CT 06107
  (860) 521-2250