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.

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.

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)

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.