Homeowners Insurance
For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected.
In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.
A standard Homeowner policy protects you against:
- Liability
- Fire
- Lightning
- Windstorms/Hail
- Smoke Damage
- Falling Objects
- Freezing
- Weight of Ice and Snow
- Vandalism
- Theft of personal property
Scheduled Items
Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.
Common items that can be added as scheduled property:
- Jewelry
- Furs
- Cameras
- Musical Instruments
- Silverware
- Golfers Equipment
- Fine Arts
- Bicycles
Value Added Personal Property Service
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Why do I need homeowners insurance?
Homeowners insurance helps safeguard your property, belongings, and finances when unexpected events cause damage to your home or when you’re responsible for someone else’s injuries or property. For homeowners throughout Massachusetts, having the right coverage can help prepare you for the costs that come with life’s unexpected moments.