Gilcoine & Burke Insurance Agency

About Us

Relationships built to last a lifetime

Our mission here at Gilcoine & Burke Insurance Agency is to treat you to excellent client service from the first moment of contact throughout our entire relationship with you. What does this mean? Our team of trained professionals assesses your individual insurance needs to make sure we provide the highest degree of protection for everything that's most important to you.

Here at Gilcoine & Burke Insurance Agency, Inc. we provide our clients with superior customer service while representing the top local and national insurance carriers. Our experienced team has a combined 70 years of insurance knowledge that can carefully analyze your insurance needs and suggest the best options for you while working on your budget.

The insurance world is ever-changing. We make sure that all of our team members are educated and up to date on the latest changes that may affect you, our client. We read the latest information, attend insurance-related events and classes, and pass on any information we feel is important for you to know. We communicate with our clients on a regular basis, and create relationships built to last a lifetime!

The Gilcoine & Burke Insurance Agency, Inc. was founded in 1986 by owner and President, Michael Gilcoine, who previously spent ten years at American Mutual in Brookline and Braintree. Our future goals are to continue providing outstanding customer service to our valued clients and working with reputable insurance carriers to guarantee we are offering the best competitive rates.

Years in Business

70+

Years Combined Experience

Trusted Carriers

100%

Family-Owned & Local

Our Team

Friendly, knowledgeable, ready to help

Michael Gilcoine

President

Mike founded Gilcoine & Burke Insurance Agency, Inc. in 1986. He has extensive experience with all lines of insurance.

[email protected]

Carolyn Hughes

Office Manager

Carolyn has been with the agency for nine years. While handling all personal lines of business, she offers high levels of customer satisfaction.

Peter Gilcoine

Sales Representative

A graduate of Salem State College, Peter specializes in home and automobile insurance and is undertaking courses to further his licensing.

Bailey Colonna

Insurance Specialist

Bailey brings a high degree of knowledge to the team and is willing to go the extra mile to service a customer's policy needs.

Joanna Hughes

Team Member

Resources

Helpful links & answers

Commonwealth of Massachusetts

Auto Insurance

Car Buying

Car Buying (cont.)

General Insurance

Identity Protection

FTC: Signs of Identity Theft

With Accident Forgiveness, a surcharge resulting from an at-fault accident, and the corresponding loss of the driver's Excellent Driver Plus (SDIP Points 99) discount, will not be applied, saving a customer hundreds of dollars a year.

This option automatically applies to the first surchargeable at-fault accident, provided the policy has been in force with Plymouth Rock for at least 48 months prior to the renewal policy date, includes only listed operators with SDIP Points 99, lists the at-fault driver and vehicle, and includes no other accidents currently being waived.

Only the first surchargeable at-fault accident is "forgiven." Any violations relating to the accident or any subsequent accidents are subject to the applicable surcharge. The waiver applies only while the customer is insured with Plymouth Rock. The Deductible Rewards, Actual Replacement Cost and OEM endorsements may be used on a claim being "forgiven."

Optional Accident Forgiveness Coverage may be purchased for a policy that has been with Plymouth Rock less than 48 months prior to the policy effective date, provided the other eligibility requirements apply. The cost for the optional coverage is 1.5% of the total premium for Parts 1–9 and Part 12, and must be purchased at the inception of the policy term.

In the event that your wallet is lost or stolen, would you have all of the credit card numbers and telephone numbers on hand to be able to call and report the card lost or stolen? It is also a good idea to create a credit card inventory sheet in the event this ever happens.

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.

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.

This discount is available to drivers in all inexperienced operator rate classes who are enrolled as full-time high school, college or university students at an accredited educational institution, and either maintain at least a "B" or "3.0" grade point average or are included on the "Dean's List," "Honor Roll," or comparable scholastic achievement list.

The discount is based on rate class: Classes 17 & 18 — 15%; Classes 20, 21, 25, & 26 — 10%.

To be eligible, the student operator must have a driving record with fewer than 3 points under the SDIP plan and must supply a report card, transcript, or certified statement from the school indicating the academic requirement was met during the semester immediately preceding the policy effective date. The discount may not be endorsed mid-term and must be requested before each policy renewal. It cannot be combined with the Student Away at School discount — the higher of the two applies.

To be eligible, the student operator may not have regular access to the covered vehicle while at school or on weekends. The discount would still apply when the student is home on breaks and summer vacation as long as they remain enrolled at the school and reside on or near campus during the regular school year.

This discount cannot be applied in conjunction with the Good Student discount — the higher of the two should be applied. It is available to drivers in all inexperienced operator rate classes who are enrolled as students and reside at an accredited educational institution located more than 100 road miles from the auto's principal place of garaging.

The discount is based on rate class: Class 18 (occasional use, 3–6 years experience) — 5%; Class 17 (principal use, 3–6 years experience) — 10%; Classes 20, 21, 25, & 26 — 15%.

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.

For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission.

By keeping an accurate inventory of your personal possessions you could save hundreds, even thousands of dollars at the time of a loss. If your home were burned, vandalized, or destroyed in some other way, could you remember the value of each and every item? Keeping an inventory will also help you determine how much insurance you should carry.

In addition to your inventory sheets, another way to supplement your inventory is by taking a picture or video of each room in your home after you have finished cataloging the contents. After you have your inventory complete, be sure to keep it in a safe place away from your home — or bring copies of the inventory and pictures/video to our office for safe keeping in your file.

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.

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

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.

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.

Residential Building Coverage insures a house or dwelling, attached and detached garages, and 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 insures most of your personal property and belongings, including clothing, furniture, housewares, bedding, decorative items, books, home electronics, area rugs, clothes washers and dryers, air conditioners, and food freezers.

Coverage in Basements includes structural elements, essential equipment, and other basic items normally located in a basement, such as unfinished drywall, electrical junction and circuit breaker boxes, central air-conditioning units, furnaces, hot-water heaters, fuel tanks, and foundation elements. Flood insurance does not cover basement improvements such as finished walls, floors, or ceilings, or personal belongings left in a basement.

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: overflow of inland or tidal waters; unusual and rapid accumulation or runoff of surface waters from any source; mudflows; or 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.

Straightforward Insurance.
Real Local Service.

Relationships built to last a lifetime