Homeowners Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Basic Homeowners Protection
- Your home
- Other buildings or structures on your property
- Your personal belongings – furniture, clothing, appliances, etc.
- Additional living expenses
- Your personal legal liability
Special Features
- Home Replacement Guarantee
- Replacement Cost on Contents
- Additional Coverage Form
Frequently Asked Questions
Where and when is my personal property covered?
Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).
What is homeowners insurance?
Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:
- Covers the property of the insured.
- Provides personal liability coverage to the insured.
What is “replacement cost”?
When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
What do I need to know when purchasing homeowners insurance?
- Get the amount and type of insurance that you need.
- Determine the amount of personal property insurance and personal liability coverage that you need.
- Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?
Should I purchase flood coverage?
If your property lies in a flood plain as determined by US Government Flood Maps, ask your independent agent about a flood quote.
What do I need to know when purchasing homeowners insurance?
- Get the amount and type of insurance that you need.
- Determine the amount of personal property insurance and personal liability coverage that you need.
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Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?
What is homeowners insurance?
- Covers the property of the insured.
- Provides personal liability coverage to the insured.
Does homeowners insurance cover damage from falling tree branches?
Does homeowners insurance cover personal items in my garage?
Why should I compare homeowners insurance policies?
Does homeowners insurance cover damage from weight of ice or snow?
What should I do after making home upgrades?
Does homeowners insurance cover my deck or patio?
Can my homeowners insurance policy be customized?
When is the best time to review my homeowners insurance?
Do you need insurance?
109 Massachusetts Avenue,
Lexington, MA 02420
Phone: (781) 646-9200
Fax: (339) 970-2248
Email Us
We are licensed in MA
Hours
Monday - Friday: 9:00 am to 4:30 pm
