Home Insurance
There’s no place quite like your home. We understand it is important to have quality coverage at an affordable price. Let us help keep your biggest asset protected. Homeowners policies are broken into two sections: Property and Liability. Property covers the home structure and personal belongings, while liability covers your legal responsibility if you cause harm or damage to others.
We encourage you to bring us your questions. We will take the time to get to know you and your needs before we shop for the best coverage. Contact us!
Home Insurance FAQs
What is the difference between homeowners insurance and a home warranty?
Homeowners insurance and home warranties serve different purposes. Homeowners insurance helps protect your home and personal belongings from unexpected covered events such as storms, fires, or theft. A home warranty is a separate agreement that can help with the cost of repairing or replacing eligible appliances and home systems when they break down from everyday use.
Does homeowners insurance cover burst pipes?
Homeowners insurance typically covers damage caused by a burst pipe if the pipe breaks suddenly and accidentally. However, damage caused by poor maintenance or neglect may not be covered. If you have questions about your coverage in Massachusetts, our team is happy to help.
What is loss of use coverage?
Loss of use coverage helps pay for temporary living expenses if your home becomes uninhabitable due to a covered loss. This may include hotel stays, restaurant meals, and other necessary expenses while your home is being repaired.
Do I need homeowners insurance if my home is paid off?
Even if you’ve paid off your mortgage, homeowners insurance is still an important way to protect your investment. Without coverage, you could be responsible for paying out of pocket to repair or rebuild your home after a covered loss.
Does homeowners insurance cover valuable items?
Standard homeowners insurance typically includes protection for personal belongings such as jewelry, watches, collectibles, and other valuables. However, many policies have limits on how much they will pay for certain high-value items. Revere homeowners with valuable possessions may benefit from additional coverage options designed to provide extra protection for their most important belongings.
What should I do before filing a homeowners insurance claim?
If it’s safe to do so, document the damage with photos or videos and take reasonable steps to prevent additional damage. Keeping receipts and detailed records can also help make the claims process smoother.
Does homeowners insurance cover damage from frozen pipes?
In many cases, homeowners insurance covers damage caused by frozen pipes if you’ve taken reasonable steps to maintain heat in your home and prevent the pipes from freezing. Coverage may not apply if the damage resulted from neglect or failure to properly maintain the property.
Can I customize my homeowners insurance policy?
Yes. Many insurance companies offer optional endorsements that allow you to customize your homeowners insurance policy based on your needs. If you live in Massachusetts, we can help you explore available coverage options and recommend endorsements that make sense for your home.
How long does it take to get homeowners insurance?
Many homeowners insurance policies can be issued quickly once the necessary information about your home has been provided. If you’re purchasing a home in Massachusetts, our agency can help you secure coverage before your closing date.
Why should I work with an independent insurance agency?
An independent insurance agency can compare homeowners insurance options from multiple insurance companies instead of representing just one carrier. That means you have access to more choices and personalized recommendations to help you find coverage that fits your needs and budget.
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