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Homeowners Insurance in Massachusetts

Homeowners Insurance That You Deserve

Homeowners in Massachusetts have a lot invested in their homes. Your home is probably your single largest asset. It’s not only your piece of the American dream, but a place for first steps, graduations, birthday parties, and holiday gatherings. It’s a place filled with memories, milestones, family heirlooms and treasured possessions. Your home deserves comprehensive protection from Garrity Insurance.

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Who in Massachusetts Needs a Homeowners Insurance Policy?

Most people who own a home in Massachusetts should have a homeowners policy to protect their home. This normally includes both people who live in the state, and those who live elsewhere but have a seasonal home within the state.

In many cases, homeowners are required by the terms of their mortgage to have a homeowners policy that at least protects the bank’s financial interest in their house. To meet these minimum insurance requirements, a bank may go ahead and purchase a policy that covers their interest. When they do, they normally pass the cost onto homeowners.

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Homeowners Insurance MassachusettsEven if homeowners aren’t obligated to have a homeowners policy, it’s still generally wise to get one. As mentioned, few homeowners could afford to lose their homes, and homeowners policies are one of the most affordable ways to protect homes from potential disasters.

What Coverages Does Home Insurance Afford?

Home insurance policies are typically written as “package policies” that combine several coverages into a single policy. While the precise coverages that policies offer can vary, most home insurance policies provide your home and personal property from the following “perils insured against”:

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, Snow or Sleet
  • Accidental Discharge or Overflow of Water or Steam (from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance)
  • Sudden and Accidental Tearing Apart, Cracking, Burning or Bulging (of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water)
  • Freezing (of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance)

Homeowners Insurance Massachusetts

Does Home Insurance Provide Coverage for Earthquakes and Floods?

Homeowners policies exclude earthquakes and floods from their covered perils. Homeowners that want coverage for these types of incidents will need to purchase an additional insurance policy or an add on coverage endorsement.

How Can Homeowners In Massachusetts Get Homeowners Insurance?

Homeowners in Massachusetts can find out how much a homeowners insurance policy will cost them by contacting an independent insurance agent in their area. An independent agent can request quotes for policies from different insurers, and they can help homeowners compare the coverages and rates of each policy quoted.

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