Homeowner Quote http://homeownerquote.com/blog Just another WordPress site Wed, 10 Nov 2010 14:53:30 +0000 en hourly 1 http://wordpress.org/?v=3.0 Massachusetts Home Insurance http://homeownerquote.com/blog/?p=69 http://homeownerquote.com/blog/?p=69#comments Wed, 10 Nov 2010 14:53:30 +0000 Kevin J http://homeownerquote.com/blog/?p=69 Since “managed competition” entered the MA auto insurance market place, we have seen increased home insurance rates across the state.

Now, more than ever, it is important to have your independent insurance agent review coverage amounts, deductibles and premiums.

Your Massachusetts home insurance agent will shop your appropriate coverage with multiple companies.

Things to consider:

  • Higher deductibles = Money In The Bank  (if no losses)
  • Higher deductibles = self insuring small claims = no loss credits = lower premiums = insurability
  • Package your home insurance with your auto insurance. Big discounts are applicable to both policies.

To get your free, no obligation MA home insurance quote: call, click or fax us today.

HomeownerQuote.com = MA home insurance

t) 781-246-8699

f) 781-224-0546

e-mail: info@HomeownerQuote.com 

50 Salem Street, Lynnfield, MA  01940

]]> http://homeownerquote.com/blog/?feed=rss2&p=69 0 MA Home Insurance Quotes http://homeownerquote.com/blog/?p=66 http://homeownerquote.com/blog/?p=66#comments Fri, 05 Nov 2010 17:44:09 +0000 Kevin J http://homeownerquote.com/blog/?p=66 Are you a Massachusetts home owner, condominium owner or renter?

When you call or click on us for a MA home, condo, or apartment insurance quote, you utilize the power of the independent MA insurance agent.

We will shop your coverage with numerous companies to find you the best rates and insurance programs. 

We will review and recommend coverage amounts and deductibles.

http://www.HomeownerQuote.com: Massachusetts homeowner insurance just got a whole lot easier.

]]> http://homeownerquote.com/blog/?feed=rss2&p=66 0 Massachusetts Home Insurance http://homeownerquote.com/blog/?p=63 http://homeownerquote.com/blog/?p=63#comments Tue, 26 Oct 2010 14:33:48 +0000 Kevin J http://homeownerquote.com/blog/?p=63 Homeowner Insurance Coverage is broad coverage with some,

Notable Home Insurance Exclusions:

Flood

Earthquake or earth movement

Nuclear  war or nuclear disaster

Wear & tear

Rot & mold

Vice, vermin, animal damage

]]> http://homeownerquote.com/blog/?feed=rss2&p=63 0 MA homeowner insurance rates http://homeownerquote.com/blog/?p=60 http://homeownerquote.com/blog/?p=60#comments Sat, 09 Oct 2010 14:48:44 +0000 Kevin J http://homeownerquote.com/blog/?p=60 For all the hoopla over Massachusetts “managed competition” auto insurance, homeowner insurance rates are all over the map. Insurance companies appetite for business are as varied as the landscapes of the coasts of Cape Cod are to the mountains of the Berkshires.

Rates and a willingness to write business are dependent on a number of factors, including:

  • Location: Coastal? Suburban? Urban?
  • Coverage amounts?
  • Year built?
  • Renovated?
  • Updates?
  • How old is the roof?
  • Circuit breakers?  How many amps?
  • How old is the heating system?
  • Owner occupied?
  • Any homeowner insurance losses?
  • Any unusual risks? Animals? Trampolines? In-home business?

Homeownerquote.com welcomes the opportunity to review and rate your Massachusetts home, condominium, or apartment insurance.

Call or click today.

]]> http://homeownerquote.com/blog/?feed=rss2&p=60 0 Coverage A, Dwelling Amount http://homeownerquote.com/blog/?p=57 http://homeownerquote.com/blog/?p=57#comments Fri, 24 Sep 2010 13:42:57 +0000 Kevin J http://homeownerquote.com/blog/?p=57 Your home’s Coverage A, Dwelling Amount, should represent the amount of money that it would take to rebuild your home, or Replacement Cost. Your MA home insurance policy’s Coverage A amount should represent pure construction cost. Not included is your property’s land value.

Many companies increase your Coverage A amount annually by anywhere from 3% – 6%, in an attemtp to keep pace with inflation and increased construction costs.

If you have not reviewed your Coverage A, Dwelling, amount in a few years, it is a good idea to revisit. Over time, home insurance Dwelling amounts can get far removed (higher or lower) than the home’s actual Replacement Cost amount.

Your independent, Massachusetts insurance agent will be happy to review your coverage.

]]> http://homeownerquote.com/blog/?feed=rss2&p=57 0 Hurricane Earl Spares Homes in Massachusetts http://homeownerquote.com/blog/?p=54 http://homeownerquote.com/blog/?p=54#comments Tue, 07 Sep 2010 13:12:49 +0000 Kevin J http://homeownerquote.com/blog/?p=54 Thankfully, Hurricane Earl spared Massachusetts & Cape Cod.

In anticipation of disaster, Cape Cod’s biggest insurer, The MPIUA, forwarded Claims Information reminders to their MA Independent Insurance Agents.

There are three ways to report an MPIUA cliam:

By e-mail:  NewClaims@mpiua.com

By telephone:  1-866-384-3803

By web:  www.mpiua.com

Hopefully, these will be ways to contact The MPIUA that we will never have to use.

]]> http://homeownerquote.com/blog/?feed=rss2&p=54 0 Free MA consumer credit reports http://homeownerquote.com/blog/?p=52 http://homeownerquote.com/blog/?p=52#comments Wed, 01 Sep 2010 20:28:27 +0000 Kevin J http://homeownerquote.com/blog/?p=52 Today a long time client called us with information regarding: Massachusetts consumers are entitled to free annual personal credit reports.

Three companies that provide free reports to MA consumers:

equifax 1-800-685-1111

transunion 1-800-888-4213

experian 1-866-200-6020

]]> http://homeownerquote.com/blog/?feed=rss2&p=52 0 Massachusetts Property Insurance Underwriting Association http://homeownerquote.com/blog/?p=48 http://homeownerquote.com/blog/?p=48#comments Thu, 26 Aug 2010 01:53:06 +0000 Kevin J http://homeownerquote.com/blog/?p=48 The MPIUA is the best viable option for many MA homeowners near the coast, on Cape Cod, or with properties not eligible for insurance in the voluntary market. Although you may be with The MPIUA, it doesn’t mean that you don’t have choices. We recommend you shop your MPIUA renewal with a Massachusetts Independent Insurance Agency like:  Johnson & Rohan Insurance. Your agent should review your coverage, give you options and package with your auto insurance.

Did you know many MA auto insurance companies give account discounts if you have an MPIUA home insurance policy?

]]> http://homeownerquote.com/blog/?feed=rss2&p=48 0 Higher Deductibles = Fewer Losses? http://homeownerquote.com/blog/?p=44 http://homeownerquote.com/blog/?p=44#comments Fri, 13 Aug 2010 13:18:55 +0000 Kevin J http://homeownerquote.com/blog/?p=44 Our MA Independent Insurance Agency often recommends higher deductibles to save money. With no losses, these savings are, literally, money in the bank.

In addition to savings, higher deductibles force one to self-insure the smaller claims. By avoiding submitting claims, consumers preserve their “loss free” credits. By avoiding claims companies are less likely to non-renew, allowing consumers to stay in the voluntary, competitively priced home insurance market.

]]> http://homeownerquote.com/blog/?feed=rss2&p=44 0 MA Homestead Act http://homeownerquote.com/blog/?p=40 http://homeownerquote.com/blog/?p=40#comments Fri, 06 Aug 2010 17:49:09 +0000 Kevin J http://homeownerquote.com/blog/?p=40 The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against sebsequent attachment, levy or sale to satifsy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Click for:  Declaration of Homestead Form (pdf)

Registry of Deeds Links:

Registry of Deeds Offices:  

District/County:

Located in:
Barnstable Barnstable
Northern Berkshire Adams
Middle Berkshire Pittsfield
Southern Berkshire Great Barrington
Northern Bristol Taunton
Southern Bristol New Bedford
Fall River Bristol Fall River
Dukes Edgartown
Northern Essex Lawrence
Southern Essex Salem
Franklin Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

    

District/County:

Located in:
Hampden Springfield
Hampshire Northampton
Northern Middlesex Lowell
Southern Middlesex Cambridge
Nantucket Nantucket
Norfolk Dedham
Plymouth Plymouth
Suffolk Boston
Northern Worcester Fitchburg
Worcester Worcester

Massachusetts Deed
Indexing Standards (PDF, 276 kb)

Massachusetts Document
Formatting Standards,
Effective January 1, 2008 (PDF, 12 kb)
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