Coverage A, Dwelling Amount

If you have not reviewed your Coverage A, Dwelling, amount in a few years, it is a good idea to revisit. Your independent, Massachusetts insurance agent will be happy to review your coverage.

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.

Hurricane Earl Spares Homes in Massachusetts

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.

Massachusetts Property Insurance Underwriting Association

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?

Higher Deductibles = Fewer Losses?

Our MA Independent Insurance Agency often recommends higher deductibles to save money.

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.

MA Homestead Act

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 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)

Quick tip

MA home insurance: For those of us that go years & years without claims, higher deductibles is, literally, “money in the bank.”

(… To Save You Money)

Massachusetts Home Insurance

Consider higher deductibles. When your parents bought their first home, most likely their deductible was $250. As a general rule of thumb you can save 10% of the annual premium if you carried a $500 deductible; an additional 10% if you carried a $1,000 deductible.

For those of us that go years & years without claims, higher deductibles is, literally, “money in the bank.”

In addition, by carrying a higher deductible you self-insure yourself a little more thus making the chance of filing a small claim less appealing. By doing such consumers can keep their “loss free” credits and, without claim frequency, you ensure your insurability.

MA Home Insurance Agents:

When it comes to buying MA home, auto, business, disability or life insurance, it saves to use a MA Independent Insurance Agent.

Your Independent, Massachusetts home insurance agent compares coverage and premium with multiple MA insurance companies.

In addition, your MA home insurance agent is your advocate.

Advocate is defined as:

1: one that pleads the cause of another

2: one that defends or maintains a cause or proposal

3: one that supports or promotes the interests of another

When it comes to buying MA home, auto, business, disability or life insurance, it saves to use a MA Independent Insurance Agent.

Bad Dog!

MA Home Insurance: Excluded Dog Breeds!

When it comes to homeowner insurance, often even good dogs are considered bad.

Following please find a partial list of sometimes considered uninsurable dog breeds:

Akitas, Argentinian Mastiff, Bull Mastiff, Cane Corso, Chow, Doberman, English Bull Terrier, German Sheperd, Pit Bull Terrier, Rottweiller, Ridgeback, Wolf Hybrid, Mixed Breeds including any of the previously mentioned, Guard dogs, and any dog with a past history of biting or that has “demonstrated aggressive behavior.”

Why a Massachusetts Home Insurance Blog?

From the Berkshires to Cape Cod, from Boston to Williamstown, from Abington to Zoar everyone in Massachusetts should have apartment, condominium or homowner insurance coverage.

HomeownerQuote.com is our attempt to demystify the often complex, however (sometimes) easily explained world of Massachusetts home insurance.

Utilizing the power of the Massachusetts Independent Insurance Agent, we will provide you the best rates, the best coverage, with the best companies.

E-mail or call us with any questions.