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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.
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:
The Homestead Act |
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Massachusetts Deed Massachusetts Document |
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.
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.
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.”
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.