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the foundation to your home

Keep your house home sweet home through unexpected disasters with homeowners insurance

Whether you live in a modest ranch or multi-million dollar estate, the right Massachusetts home insurance protects your home, belongings and well-being

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How does Massachusetts home insurance work?

Home is where all the most important parts of your life reside … your family, your pets, your possessions, the essentials you need to survive, and even your ability to unwind at the end of the day.

Each home is so different, with unique possessions, materials and risks, so you need a unique policy to fit all your needs -- not just a bare bones policy that online quoting service is spitting out for your neighbors.

With the right coverages and limits, homeowners insurance pays for the repair or replacement of your house, your possessions, outdoor features and more in unexpected incidents such as fires, storms, thefts, tree falls, and lawsuits.

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Check out these homeowners insurance statistics

While you might think it won’t happen to you, home insurance claims can affect anyone, causing significant losses.

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What does Massachusetts homeowners insurance cover (and not cover)?

While you may assume homeowners insurance covers everything under your roof and more, this may not be the case. MA home insurance has limitations, exclusions, and optional coverages you’ll want to know about before making yourself at home with a policy.

What is typically covered?

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Repair or reconstruction of your home

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Personal property

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Loss of use (temporary housing if displaced)

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Medical payments to those injured on your property

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Personal liability (if someone sues you from being injured on your property)

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Personal injury (libel, slander, or defamation lawsuits)

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Storm damage

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Water backup

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Theft

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Fire damage

What is not typically covered?

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Floods (hint: you may need flood insurance)

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Earthquakes (optional)

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High-risk dog breeds

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Wear and tear

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Damage from lack of maintenance

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Intentional bodily injury or property damage

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Any damages beyond your coverage limits (hint: you might need umbrella insurance)

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Got home insurance questions? We’ve got answers.

We know there’s a lot at stake when it comes to protecting your home. You probably have loads of questions, so let’s get you started on the basics.

Do I need homeowners insurance?

How much home insurance do I need?

How much does homeowners insurance cost?

What happens if I need to file a claim?

How homeowners insurance keeps you on a strong foundation

Home insurance is one of those things we wish we didn’t have to buy, and definitely hope we don’t need to use. But if something were to happen to your home, you want to be covered.

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Reimbursement from disasters

Your house, possessions, yard, and all the essential parts to your home sanctuary are covered from damage or theft. You can even schedule important items to make sure they are completely covered and not subjected to deductibles.

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No over/under paying

Your “stuff” isn’t the same as everybody else’s. Your coverage should protect all the things you love and none of things you don’t.

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Protection against unexpected lawsuits

You can’t always control what happens on your property, so you certainly don’t want to be responsible for it. Home insurance covers injuries to others, and even claims of libel, slander or defamation.

We love our clients

Our clients are like family. See what they are saying...

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“I have been a loyal customer of Berry Insurance for the past 11+ years - they always have my interest in mind when it comes to auto and home insurance policies.”

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Get coverage for everything from the roof to the foundation and more with homeowners insurance

When something happens to your home, you want the peace-of-mind coverage to know you can get it fixed quickly and easily. Simply fill out this form and a member of our personal insurance team will be in touch.

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