Our Mission

Savin Jones Insurance Agency provides our clients with an innovative insurance solution. By using the efficiencies of the Internet, and our home office, we have streamlined the Insurance process and are able to pass significant knowledge and savings on to our clients. Our licensed Agents have years of experience in the areas they serve, allowing you to save and gain coverage, without compromising on service.

Mission Statement

To create an enjoyable, convenient, and affordable experience by providing insurance products along with excellent service.

Our Services

Our neighborhood Agents have years of experience in the areas they serve and are active members of their local, state and national insurance associations. In addition, our website provides a step-by-step approach to guide our clients through buying insurance and providing information to our clients.

Our History

Saraf Insurance / Savin Jones Insurance Agency was founded on the belief that selling or buying insurance could be faster, easier and more efficient. On February 01, 1996, this belief was turned into a reality when Saraf Insurance / Savin Jones was established. Since then, the company has continued to expand its services, offering excellent service, savings, and convenience as well as knowledge to our clients.

Savin Jones Insurance Agency is a division of Saraf Insurance Agency

Personal Insurance
 Personal Auto
 Homeowners
 Renters
 Condominium Owners
 Personal Items
 Boats
 Umbrella
 Motorcycles
 Motorhomes
 Mobile Homes
 Dwelling Fire
 Watercraft
 Gap Insurance
 Flood
 Antique Cars

Business/Commercial Insurance
 Commercial Auto
 Workers Compensation
 Commercial Liability
 Commercial Property
 Contractors
 Manufacturers
 Retail
 Wholesale
 Professional Liability
 Restaurants
 Garage & Repair
 Hotel/Motel
 Inland Marine
 Bonds
 Business Owners Policy
 Commercial Umbrella
 Commercial Trucks
 Dump Trucks
 Long Haul Trucks
 Errors and Omissions

Life Insurance
 Term Life Insurance
 Whole Life
 Universal Life
 Variable Life & Annuities

Health Insurance
 Traditional Health Insurance
 Short Term Health
 Medical Savings Accounts
 Medicare Supplements
 Long Term Care
 Accident
 Trip Insurance
 Disability
 Health Savings Accounts (HSA)

Financial Planning
  Retirement Plans
 Traditional IRA
 Roth IRA
 Annuities
 Long Term Care
 Mutual Funds
 Simple IRA
 401k

Group Insurance
 Group Life
 Group Health
 Group Dental
 Group Retirement

Bonding
 Court Judicial
 Court Fiduciary
 Public Official
 License
 Permit
 Janitorial Services
 Employee Dishonesty
 Pension/Trust (ERISA)
 Guarantees of Financial Performance

Contract Bonds
 Bid Bonds
 Payment Bonds
 Peformance Bonds
 Maintenance Bonds
 Supply Bonds

Complimentary Review of Current Insurance
Complimentary Insurance Quotes
Complimentary Replacement Cost Analysis of Your Home
Registry Service
Notary Public
Real Estate Services
Complimentary Financial Review
Complimentary Review of Your Liability Insurance vs. Assets
Complimentary Life Insurance Needs Analysis

James P Saraf, President
Personal lines and Commercial Lines
617.474.9900

Jim founded the Saraf Insurance / Savin Jones Insurance Agency in 1996. He has extensive experience with all lines of insurance. Jim is an active member of many local civic groups.

A.I.M. Mutual
The A.I.M. Mutual Insurance Companies are one of the top providers of workers compensation in Massachusetts and are rated A (Excellent) by A.M. Best Company, the nationally recognized insurance rating organization, for their financial strength.

Aflac
Aflac has a range of policies for individuals and employers that can be used to help with the out-of-pocket expenses not covered by the existing primary insurance coverage of U.S. consumers.

MPIUA
The Massachusetts Property Insurance Underwriting Association (MPIUA) also known as the Massachusetts FAIR Plan (Fair Access to Insurance Requirements) provides basic property insurance on eligible property for applicants who have been unable to gain insurance through the voluntary market. MPIUA offers policies under the Homeowners, Dwelling Fire and Commercial Property programs as approved by the Massachusetts Division of Insurance.

New England Guaranty
Located in the Green Mountains of central Vermont and first established in 1874, the Union Mutual of Vermont Companies have been providing quality insurance products for over 130 years.

Pilgrim
Founded in 1987, Pilgrim is a licensed insurer based in Massachusetts. Pilgrim was the first company in Massachusetts to provide third-party management and operational services to both property and casualty insurers and financial institutions.

Plymouth Rock
Plymouth Rock Assurance Corporation remains the flagship of the Plymouth Rock Group of Companies with more than 125,000 individual policyholders and personal auto insurance premium exceeding $260 million in 2003. Plymouth Rock maintains a rating of “A-/Excellent” from A.M. Best, the insurance industry’s premier independent rating service.

Union Mutual
Located in the Green Mountains of central Vermont and first established in 1874, the Union Mutual of Vermont Companies have been providing quality insurance products for over 130 years.

Gap Insurance

If you have recently purchased or are planning to purchase a new or used vehicle you may want to consider purchasing Gap Insurance.

What is Gap Insurance?

When you drive your new or used car off the dealer�s lot your car has most likely lost 20% of its value and you need Gap Insurance.

If you put less than a 20% down payment on your car you need Gap Insurance.

How does Gap Insurance Work?

If your car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot different from what you still owe on your loan. Without Gap Insurance your lender will hold you responsible for paying the difference between the actual cash value and the amount left on the loan.

Dealers charge between $500 and $600 for this coverage. We can offer it to you for $299 for the life of your loan up to 84 months. Leased vehicles are not eligible.

Not everyone needs Gap Insurance but if you think you should have it and would like more information on how it works, please give us a call and we will be happy to discuss it with you.

Why do I need a Personal Umbrella policy?

Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy.

A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have.

Consider the following example:

One evening a 17-year old took his parent�s car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million.

With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected.

In today�s society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune � but it probably would not give you the needed protection against a catastrophic loss.

What is Term Life?

A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term.

Who needs Term Life?

If something should happen to you, a Term Life policy could cover your mortgage or a child�s education and leave your family with financial security.

How much does a Term Life policy cost?

The cost of a Term Life policy will be determined by your age although it is very reasonable at any age.

Identity Theft

Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner�s policy to protect yourself from the high cost of restoring your name and credit.

Each year millions of Americans fall victim to Identity Theft and may spend months � even years � and their hard-earned money restoring their good names and credit records, Your doors and windows may be carefully locked, but identity thieves know no bounds.

For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission�s Web site by clicking on: http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm

What is a flood?

Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:

• Overflow of inland or tidal waters
• Unusual and rapid accumulation or runoff of surface waters from any source
• Mudflows
• Collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood

What does a Flood Policy cover?

Residential Building Coverage

Building coverage insured a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators.

Residential Contents Coverage

Contents coverage insured most of your personal property and belongings, including:

• Clothing
• Furniture, housewares, bedding
• Decorative items, lamps and lighting fixtures
• Books, home electronics
• Area rugs and draperies
• Clothes washers and dryers
• Air conditioners
• Food freezers and the food in them
• Portable microwave ovens

Coverage in Basements

Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as

• Unfinished drywall for walls and ceilings, including nonflammable insulation
• Electrical junction and circuit breaker boxes, and required utility connections
• Central air-conditioning units
• Furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps
• Light fixtures
• Foundation elements
• Cleanup

However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents.

Facts

Everyone lives in a flood zone � floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.

• Flooding can happen anywhere � about 25% of flood insurance claims come from low to moderate-risk areas
• Flood damage is not covered by homeowners policies
• Flood insurance is affordable � homeowners can insure contents only for as little as $39 per year; building and contents for as little as $112 per year
• Flood insurance is available to homeowners, renters, and business owners
• There is a 30-day waiting period unless you are purchasing at the same time you are writing a mortgage
• Federal disaster assistance is not insurance coverage � it is a loan that must be paid back

Rates

Dwelling/Contents
Building	Contents	Premium
$20,000	$8,000	$137.00
$30,000	$12,000	$163.00
$50,000	$20,000	$205.00

Contents Only (Located above ground level)
Contents	Premium
$8,000	$39.00
$12,000	$53.00
$20,000	$81.00

These are preferred rates � please contact us to see if you qualify for the preferred rates and for higher coverages.

Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call
Policy Information Policy Number Company Name Expiration Date Effective Date of Change
Driver(s)   List all licensed drivers in your household. Name on License Date of Birth License Number State Driver Training   1. Yes  No Add Remove 2. Yes  No Add Remove 3. Yes  No Add Remove
Coverages Part 3 - Bodily Injury By Uninsured Motorist 50/100 100/500 250/500 500/500 Part 4 - Property Damage 100,000 250,000 Part 5 - Optional Bodily Injury 50/100 100/500 250/500 500/500 Part 6 - Medical Payments 25,000 Part 7 - Collision Deductible No Coverage 300 500 1,000 Part 9 - Comprehensive Deductible No Coverage 300 500 1,000 Part 10 - Substitute Transportation No Coverage 15/day to 450 max 30/day to 900 max 45/day to 1,350 max Part 11 - Towing & Labor No Coverage 50/incident 100/incident Part 12 - Bodily Injury By Underinsured Motorist 50/100 100/500 250/500 500/500 If your assets are above the maximum limit of $250,000, you need a Personal Umbrella policy. A Personal Umbrella policy will cover your auto(s) and your home premises. An additional $1 million to $10 million + limits of liability are available with a Personal Umbrella policy. Premiums start at $100 annually per $1 million of coverage.
Other Remove Secured Lender/Lienholder Principal Place of Garaging Change Mailing Address to Change Home Phone Number to Change Cell Phone Number to
* required
My insurance agency has made me aware of the fact that I may be underinsured or have no coverage at all in some circumstances of possible claims situations of both liability for bodily injury and/or property damage claim(s). I understand once my liability limits have been exhausted from a claim for bodily injury I am liable for my own defense costs and pre-judgment interest. Once the limits of liability have been exhausted from a claim, the insurance company's "Duty to Defend" ends. I request the above change(s) to my insurance policy. My request has been carefully reviewed and selected and I understand my changes with no questions whatsoever. Please be advised that no coverage can be bound nor any changes made to your policy until confirmed in writing by an employee during regular business hours. If you have not heard from us within 24 hrs (excluding weekends & holidays), please let us know as we may not have received your information.

Contact Information Name * Address City, State, Zip Phone Fax Email * Best Contact Method Email Phone Fax USMail Best Time to Call
Property Location Address City, State, Zip County
Policy Information Policy Number Company Name Expiration Date Effective Date of Change
Requested Changes Increase Dwelling Coverage Limit Change Deductible $100 $250 $500 $750 $1,000 $1,500 $2,000 $2,500 $3,500 $5,000 $7,500 $10,000 $25,000 $50,000 Increase Personal Liability Limit $500,000 $1,000,000 Add Earthquake Coverage Add Identity Theft Coverage Add Sewer Back Up/Sump Overflow Coverage
* required
I request the above change(s) to my insurance policy. My request has been carefully reviewed and selected and I understand my changes with no questions whatsoever. Please be advised that no coverage can be bound nor any changes made to your policy until confirmed in writing by an employee during regular business hours. If you have not heard from us within 24 hrs (excluding weekends & holidays), please let us know as we may not have received your information.

If you know someone who may need our services we would appreciate the opportunity to offer them our products and quality service. Just fill out the easy form below. Leave an introduction if you wish and send it along to us.

Referral Your Name * Your Email * Your Friends Name Your Friends Email Your Introduction
* required

We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you.

We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information:

• Personal information you share with us, such as the information on your application, requested policy change information, questionnaires or other forms you may complete.
• Personal information about you from your transactions with us over the time you have been a policy holder with us.
• Personal information about you from a consumer reporting agency, such as the Registry of Motor Vehicles.
• Personal information you provide or which is obtained during the process of handling a claim, including medical information, such as from an accident report.

We do not disclose any personal information about current or former customers to anyone, except as permitted by law.