When Your Homeowners Insurance Isn’t Enough ?


House fire

Consider this startling fact: 66 percent of U.S. homeowners were underinsured by an
average of 18 percent. This means that if these dwellings sustained a total loss, the homeowners would not have enough insurance reimbursement to replace their home.   It is critically important that your home is “insured to value.” This means that you have sufficient insurance to cover the full value of your home so that if you have a loss, you can rebuild an identical home, using the same materials. This is known as “replacement cost.”

For example, have you recently:
• Added square footage to your home?
• Built a garage, porch or other attached structure, or enclosed a porch?
• Upgraded your kitchen counter or cabinets?
• Remodeled a room in your home?

If you answered “yes” to any of these questions, it is important that you let your independent insurance agent know as soon as possible. Your agent will increase your coverage so that in the event you have a loss, you will be adequately protected. Periodically, your insurance company may need to increase your homeowners insurance for another reason. Escalating construction costs and oil prices would increase the cost of rebuilding your home to its original state. You may wonder why if a current market downturn, in which home prices could be declining, you would need additional insurance. As previously noted, insurance to rebuild your home is based on construction costs, not current home values.

It is a good practice to contact your independent agent at least once a year—regardless of
when you purchased your policy—to discuss any improvements you have made to your home or those in the planning stages. Because being prepared is the essence of being protected.

C.L. Hollis has been insuring homes in the New England area for 29 years.

Call us today Wareham office  508.295.9500   Canton office 781.344.8578


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C.L. Hollis Insuring your Classic Auto’s for 29 Years Rick@insurehollis.com 

1967 Corvette L882Web


With baby boomers more aware of their own mortality these days, “bucket lists” of things to do before one’s demise have become increasingly popular. Our friends at Hagerty® have listed their top five cars that need to be driven before kicking the bucket, taking the big dirt nap, biting the dust or, well, you get the idea:

  1. 1967 Corvette L88: The L88 was the Corvette that ordinary civilians weren’t supposed to be able to buy. Rather, it was built to be taken racing by “privateers” (GM was still observing a ban on manufacturer supported racing). Although a regular production option, the L88 was expensive and came with almost no creature comforts. The horsepower was deliberately underrated on the option sheet to come in below the regular 427-cubic-inch 435-hp engine to further discourage Average Joe buyers. In reality, the L88 could make over 500 hp on racing fuel. Acceleration was shattering. It’s the ultimate classic Corvette Sting Ray.


  1. 1967 Shelby Cobra 427: Carroll Shelby found that there was almost no spindly little British sports car that couldn’t be improved with the insertion of an American V-8. Under Shelby’s direction, the Sunbeam Alpine became the Sunbeam Tiger, and the AC Ace became the vaunted Shelby Cobra. The baddest version of the Cobra sported a 427-cubic-inch engine that was similar to the one developed for NASCAR. Cobras are hot, noisy and cramped, but they’re really the greatest expression of the muscle car ethos—cram the largest possible engine into the smallest package.


  1. 1992-98 McLaren F1: The F1 was everything a supercar should be but so seldom is. Many modern supercars are as much a fashion accessory as a car. Nobody ever bought an F1 as a bauble. Because of the car’s somewhat minimalist nature, and the fact that it was offered only with a conventional three-pedal manual transmission, posers didn’t apply. It’s a reasonable certainty that Kanye West doesn’t own an F1. With three seats and a center driving position, plus reams of Formula One technology and incredible performance (0-60 in 3.2 seconds, ¼ mile in 11.6 and a top speed of 241 mph), the F1 is the one supercar that should be on any automotive bucket list.


  1. 1976 Porsche 930: Of all the cars on this list, the earliest version of the Porsche 911 Turbo Carrera (otherwise known as the 930) is probably the one most capable of preventing the fulfillment of one’s automotive bucket list. Early 930s were somewhat diabolical cars with tires that were a bit too small and a turbocharger that lit up suddenly and with a vengeance. The turbo’s abrupt nature could make for scary driving at inopportune times (like the apex of a corner). But it’s the car’s ability to bite back that can make it so much fun and a genuine accomplishment to master.


  1. 1970 Plymouth Road Runner Hemi Superbird: The Superbird appeals to anyone with a “stick it to the man” sensibility. It’s whole reason for being was to introduce the streamlined nose cone and giant wing into Chrysler’s NASCAR efforts back when NASCAR still had homologation requirements for race cars. Although available with Mopar’s excellent 440-cubic-inch V-8, it’s the 426 Hemi that belongs on anyone’s automotive bucket list. Between the view over the long hood and nose cone and the view out the back with the five-story-tall wing, the Superbird driving experience is like nothing else.

C.L. Hollis Insurance helping you and yours for 29 Years

Wareham Office 508.295.9500 Canton Office 781.344.8578

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Thinking of New Home Construction…

C.L. Hollis Insurancenew england home

Custom homebuilders, Commercial general contractors and even property owners often find themselves searching for insurance coverage to protect personal or business projects under construction. Builders risk insurance protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause; it is often required to comply with government regulations or as a condition to meeting banking or other contractual arrangements. While a builders risk policy itself is relatively simple to obtain, ensuring the proper coverage, limits and policy type are in place requires a core understanding of the industry and the associated risks which occur during the course of construction.


At C.L. Hollis Insurance inland marine policys for owners and contractors are high priority. With comprehensive insurance coverage and flexible policy options, our Builders Risk Plan is designed to meet the needs of residential and commercial customers for any project type and size ranging from turnkey and custom build to order to high volume construction, and it can be tailored for even the largest construction project.

C.L. Hollis has been helping Contractors with all their construction needs for over 28 years.

Contact us today.

Rick Hollis



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1966 Ford Bronco Convertible Photo Credit Copyright 2014

Don’t forget to contact us here at C.L. Hollis Insurance to review your insurance coverages on your Classic Car. rick@insurehollis.com

For classic car owners in northern climes, the long wait for spring can be excruciating. The good news is, it’s here. C.L. Hollis with our trusted partners at Hagerty have put together the following spring start-up checklist. Start prepping your car for its first drive. You’ll both be better for it.

  1. Start with your battery. If it’s been on a trickle charger all winter, disconnect it from the charger and reconnect the battery. If you simply removed the battery and stored it in a warmer spot for the winter, time to charge it up.
  2. Check your fluids. Start with a walk around and examine the floor beneath the car. Drips are common and expected; puddles are not. A fresh oil change is recommended since water or other fluids may have found their way in your crankcase. While you’re at it, replace the oil filter. Also check your other fluids – brakes, coolant, transmission, windshield washer. Do they look dirty? Are they at the recommended level? Smell your transmission fluid. If it smells burnt, change it. Generally speaking, if you can’t remember the last time you drained and flushed any particular fluid, it’s probably time to do it again.
  3. As for gasoline, your car should be good to go if you put STA-BIL in the gas tank before storing your car. If not, you might consider adding a water-absorbing product or – if you’re really worried about it – drain the tank.
  4. Check your belts and hoses for cracks and decay. Since rubber breaks down over time, examine the condition of your tires. Make sure they’re inflated to the correct air pressure, and remember the spare.
  5. In addition to potentially damaging your engine, water can cause brake problems as well. If your car has been sitting for a while, consider bleeding your brakes. They should feel firm when you push the pedal.
  6. By this point, you should already know if any mice spent a comfortable winter in or around your engine. Also check inside the passenger compartment, especially under the seats and in the glove box.
  7. And one last thing – check the headlights, turn signals and brake lights. Yes, this requires a friend’s help.

It’s finally time to start your car. If you’re just testing the engine, make sure an exit door is open enough to allow exhaust fumes to escape. If the weather allows for a drive, make that first one fairly short – a half hour or so should put the car through its proper paces. And before you take drive No. 2, do the ol’ walk-around again. No major leaks? Tires look good? Let ’er rip, and have a great summer.

C.L. Hollis has been helping people with their Classic Car Insurance for 29 years.

Contact us today!   Canton 781-344-8578      Wareham 508-295-9500

Rick Hollis







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Wedding Insurance Why You Need It!

C.L. Hollis Insurance Canton Office 781-344-8578  Wareham Office 508-295-9500 wwwinsurehollis.com


Wedding Insurance Why You Need It!

From organizing seating arrangements to creating music playlists to keeping in-laws and family members happy, planning for your wedding involves dozens of decisions made under tight deadlines with tons of pressure. For many, a wedding can also mean a significant investment as couples and their families plan full wedding weekends complete with a rehearsal dinner, the wedding event itself and a celebratory send-off brunch. Knowing what a huge time and financial commitment your special day is, are you sure you are doing everything possible to help protect your wedding

Although couples may hesitate to spend even a cent more than necessary on an event that can get pretty pricey in the first place, wedding insurance policies usually don’t cost more than $100—and can save you  thousands if anything goes wrong.

Top Wedding Claims

A look at the past five years of Travelers wedding claims data reveals that some of the most common claims include bankrupt venues, injury or illness, and disruptive weather. If a vendor goes out of business unexpectedly or does not show up, the policy covers lost deposits as well as additional expenses necessary to finding a replacement vendor.

The insurance also covers lost deposits due to cancellation or postponement of the wedding if one or both members of the wedding party are unexpectedly deployed for military duty.

Even if a vendor has insurance, its policy protects its own interest. Shouldn’t you protect yours?

Together with our trusted partner Travelers Insurance Company

C.L. Hollis Insurance has been helping families like yours for over 28 years. Contact us today!

Canton Office 781-344-8578  Wareham Office 508-295-9500 http://www.insurehollis.com


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2017 Future Collectible Cars C.L. Hollis Insurance

rick@insurehollis.com / Canton Office 781.344.8578 / Wareham Office 508.295.9500

The age of driverless vehicles isn’t here yet, so which new 2017 vehicles are expected to one day join the ranks of fully drivable classic collectibles? According to the valuation experts at our trusted partners Hagerty, here are 3 such examples of production run vehicels by major worldwide automakers that stand out as the likeliest to grow in value and appeal to classic car enthusiasts. More to come….

2017 Chevrolet Camaro ZL1

2017 Chevrolet Camaro ZL1

  1. Chevrolet Camaro ZL1 ($61,140) – The Camaro has seen many generations and performance upgrades, and this is the most important one yet. The 2017 Camaro ZL1 has a stat sheet that would make last year’s Corvette nervous, and comes to the table ready to race. The legend continues to inspire today just as it did 50 years ago, as the Camaro reaches a whole new audience with this instant collector’s item.

    2017 Alfa Romeo Giulia Quadrifoglio

    2017 Alfa Romeo Giulia Quadrifoglio

  2. . Alfa Romeo Giulia Quadrifoglio ($72,000) – Packing 505 horsepower, the Giulia Quadrifoglio can reach 60 mph in 3.8 seconds from a complete standstill via a bi-turbo V6 engine. Beating every other car in its class around the Nurburgring, the Giulia Quadrifoglio takes the crown in its segment.

    Ford F-150 Raptor

    The all-new Ford F-150 Raptor features six terrain modes designed to handle the most demanding terrains. From off-road rock crawling and desert running to on-road sport mode, Raptor is ready for any type of driving.

  3. . Ford Raptor ($49,520) – The original Ford Raptor defined a new production truck segment when it debuted in 2009. The first-generation special edition F-150 made it through the economic collapse, fuel crisis and the Baja 1000 and – due to conservative production decisions – is already becoming a collector favorite. For 2017, the Raptor is back with bigger muscles and a makeover, featuring additional horsepower and weighing 500 pounds less.

C.L. Hollis Insurance has been helping people with their insurance needs for 29 years Contact us today!

Rick Hollis

rick@insurehollis.com / Canton Office 781.344.8578 / Wareham Office 508.295.9500


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Not all catastrophes are an act of nature.


When a catastrophic event comes to mind, we automatically think about things like earthquakes, hurricanes or tornadoes. But the truth is, not all catastrophes that can affect your business or home are created by Mother Nature. In today’s litigious environment, some of the most devastating losses your business or family may face are man-made.

If the worst-case scenario happens, will you be ready?



A local hair salon is buzzing with activity. As an older client is walking from the wash chair to the styling chair, one of the stylists pulls at the cord of a hair dryer, causing the client to trip. She takes a bad fall and fractures her hip. In spite of surgery and rehabilitation, the client’s movement never fully recovers, and she is awarded nearly $2 million in damages. The salon owner’s general liability policy only provides $1 million in liability coverage. An umbrella policy could have provided additional liability limits to close the gap.

From our trusted partners the Travelers.

C.L. Hollis has been helping people with their insurance for 29 years. Call for appointment today!

Richard M Hollis


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