Homeowners Insurance Options for Massachusetts Residents

Protect your home and financial wellbeing with the right homeowners insurance policy.

Homeowners insurance policies are tailored to provide specific benefits for residents. If your home experiences damage, you want your insurance claim handled by a dedicated insurance agency.

D’Agostino Insurance Agency can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing. Insurance companies offer various coverage options including homeowners insurance in Brockton MA to suit diverse needs.

Whether you own a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information on how to get homeowners insurance Massachusetts policies today!

What Is Homeowners Insurance?

Insuring your home protects your financial investment against damages like fire, theft, and other covered incidents. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by coverage scope, policy options, and the type of property you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

How Much Does Home Insurance Cost?

Your homeowners insurance policy usually includes specific options you choose, impacting the overall policy cost.

What you select. Massachusetts homeowners insurance policies provide options for varying budget needs. Often, homeowners insurance options are priced individually.
The extent of coverage you include. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss. Premium payments for your homeowners insurance can be influenced by your chosen deductible amount.

Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Understanding your needs helps in determining the right policy with the right coverage limits.

Consider an umbrella insurance policy for additional coverage options. Consider an umbrella insurance policy that extends your coverage. This extended coverage can be crucial in unforeseen situations.

Common Coverage Options

Property or Dwelling Coverage

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm. Make sure your dwelling coverage aligns with your home insurance needs.

Personal Liability Coverage

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. It’s essential that your homeowners policy adequately covers potential liabilities.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. For instance, consider how your personal liability coverage fits into your broader insurance strategy.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is more than walls; it holds personal property like furniture, clothes, and electronics. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

This type of coverage allows for enhanced protection of valuable items. If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your Home

Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information. Additional insurance can provide peace of mind for business owners who rent properties.

Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. This list can be pivotal when making a claim. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part. Regular maintenance ensures both your home and policy remain effective.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.