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.
While you might think it won’t happen to you, home insurance claims can affect anyone, causing significant losses.
Percentage of claims resulting from property damage or theft
Average amount insurance covers from a home insurance claim
Percentage of insured homes that had a claim in 2018
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?
Repair or reconstruction of your home
Loss of use (temporary housing if displaced)
Medical payments to those injured on your property
Personal liability (if someone sues you from being injured on your property)
Personal injury (libel, slander, or defamation lawsuits)
What is not typically covered?
Floods (hint: you may need flood insurance)
High-risk dog breeds
Wear and tear
Damage from lack of maintenance
Intentional bodily injury or property damage
Any damages beyond your coverage limits (hint: you might need umbrella insurance)
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?
In Massachusetts, homeowners insurance is required if you finance your home (and let’s be real, most of us do). But even if your home is paid off, you will more than likely still want the coverage. If you spend many years in your house, chances are you will have a claim once or twice, and even a simple claim can cost several thousands of dollars.
Without the coverage, you would be risking a huge financial setback -- potentially even the total loss of your home and all possessions. It’s not worth the risk to go without.
How much home insurance do I need?
This isn’t an easy question to answer, and that’s because … it depends!
The amount of homeowners insurance your property needs is unique to your home’s location, size, construction, materials, possessions, risks, and more.
Reach out to one of our client success managers to get a more accurate assessment based on your specific conditions.
How much does homeowners insurance cost?
This question is not easy for us to answer. We aren’t hiding anything (we promise!) -- It’s just that it can vary greatly from property to property.
The cost of homeowners insurance depends heavily on your home’s location, size, materials, possessions, risks, the coverage limits and deductibles you select, and so much more.
Reach out to one of our client success managers to get a more accurate quote based on your specific home and needs.
What happens if I need to file a claim?
If you’ve had an incident requiring a home insurance claim, don’t panic. Your insurance agent can help you navigate through it easily.
Once you’ve made sure you and your family are safe, you’ll want to gather information about the claim including what happened, when it happened, what was damaged, if anybody else was involved, and photos of the damage.
Once you’ve collected that information, inform your insurance agent who will report it to your insurance company and get an adjuster assigned to review your claim information and make a determination.
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.
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.
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.
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.
Simplifying home insurance … one blog at a time
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
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.