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Personal Insurance

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Commercial Insurance

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Did you know?

Most insurances companies consider the following to be “common exclusions” from a standard homeowners insurance policy: damage caused by wear and tear, rust, corrosion or gradual deterioration; water damage caused by flood, underground water, or water that enters through the cracks in your foundation; damage arising from the freezing of indoor plumbing; damage caused to the exterior of your home as the result of freezing, melting or moving snow or ice, and heaving frost; damage caused by snow slide, landslide, and other forms of earth movement (ie. earthquakes); damage caused by insects and rodents; intentional or criminal acts (ie. fraudulent claims).

The PAIB Blog

A Simple Look at the World of Insurance

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What you need to know! In the past, we discussed how you can land yourself in hot water just by using social media – today, we’ll be talking about what…

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How does an insurance company determine what my rate of insurance will be?

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Car insurance companies consider a lot of different factors when calculating rates.  Make and model, including safety options, theft, cost of repairs or replacement and an individual driver’s history can…

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What the PAIB Family is Saying:

“Our company has been in operation for more than 20 years and after a long tenure with our previous insurance company, we were forced into shopping for another provider due to their rising costs and uncompetitive rates. After numerous analyses and comparisons, we decided upon working alongside PAIB Insurance Inc. and we’ve been a satisfied client of theirs for over five years now.

In regards to the rates they provide, I can say that not only have they not increased but there have actually been instances where we’ve received credit BACK. Our company often requires documentation when it comes to the many facets of our insurance policies and the support staff at PAIB is always a mere phone call away.

I am more than happy to speak to the attention and professionalism we have received over the past half-decade and we are looking forward to continuing our relationship. I would not hesitate to recommend PAIB Insurance Inc. to anyone seeking a top-notch insurance brokerage.”

Guy

“Many years ago we moved our vehicle insurance to PAIB Insurance Inc.  Within the first year, Dan saved us thousands of dollars on that policy alone.  We gradually moved all of our policies to him.  He covers our homes, businesses and vehicles.  I have never worried about anything with renewals etc.  I know Dan will do everything to find us the best price.

I recommend PAIB to friends and clients all of the time, because it’s a real pleasure doing business with PAIB Insurance Inc.!”

Kari

“Getting insurance seems like a daunting task all the time. But the knowledgeable and courteous staff at PAIB Insurance Inc makes it easy. The talented staff there were very helpful in explaining the different policies that my family needed. The great work environment that they have is very visible from the very top to the receptionist.

Dan Ayotte made us feel right at home as did his entire staff.

I would recommend PAIB Insurance Inc to anyone.”

Julie

“You honestly are great to work with and have been 1000% better than the previous insurance reps we’ve been working with.

Thanks for making our transition process as smooth as possible.”

Al

“What I look for in an insurance agent is someone who cares about me and my family – that’s what’s important. I have enough to worry about, I need someone who makes sure everything in my life is well protected and I can live worry free – that’s why I deal with PAIB, they’re people who can relate and that’s what matters to me.”

Jason

“My wife and I were a little apprehensive about switching insurance companies but right from my 1st visit to PAIB Insurance Inc. we were put at ease. The friendly and professional staff their really care about their jobs and the people they serve. They found ways to save us money and even increased coverage that we didn’t know was possible. They took the time and gave the effort to really explain what was going on with our policy. I would recommend that anybody go and visit PAIB Insurance Inc for all of their insurance needs.”

Richard

“I’ve been a client of PAIB for the past 14 years. My experience with them has been wonderful. The staff is always courteous and if the broker I typically deal with is unavailable, there’s always another Broker who is happy to help with any questions or changes I need to make to my policy. Despite other insurance company’s available out there, PAIB is my first choice due to the friendly environment and pleasant atmosphere. I recommend PAIB to everyone who asks me about who to call for insurance. Excellent customer service! Two thumbs up!”  

Amanda