Homeowners Insurance

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:

  1. covers the property of the insured and
  2. 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.

Do you need insurance?

Clifford R. Larson 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
Saturday: by appointment

We Love Referrals

Location