Home Insurance Help

home insurance too expensive

Is your home insurance too expensive? If so: you are not alone. Across the country insurance companies are hedging their bets to ensure they don’t lose money.

The stakes are high. New, trending now, AI (artificial intelligence), start-up insurance companies are launching new business paradigms.

Buyer, startups, insurance companies and agents beware.

Every year Massachusetts’ home insurance consumers should take a few minutes to review coverage and premiums with us here at HomeownerQuote.

As life changes, home insurance needs change as well.

HomeownerQuote.com’s Renewal Checklist:
  • Do you own jewelry, furs or watches with values over $1,000?
  • Do you own silverware with a total value of over $2,500?
  • Do you have a collection of valuables, including: coins, stamps or other?
  • Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
  • Do you own a boat?
  • Is there a trampoline on your property?
  • Do you have any tools, equipment or other property used in your business or occupation?
  • Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
  • Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
  • Are you interested in receiving information on: Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?
Home Insurance Too Expensive?

Have us shop you with numerous companies to find you the best rates and coverage.

All we need is your address and within minutes we’ll send you a customized home insurance quote.

Use HomeownerQuote.com and put the power of the independent agent to work for you!

Oh No, Mold!

Oh No, Mold!

As independent insurance agents, we always hope there’s coverage for a client’s claim. However, sometimes when I hear certain things, such as “mold,” all the hope in the world probably won’t help.

When I hear the word “mold,” I think of homeowner insurance coverage exclusions.
Things that are excluded from dwelling coverage include: wear & tear, rot, mold, mildew, animal damage, earth movement (earthquake), flood & nuclear explosion.
If you’re worried about mold and mildew in your home, it’s better on the bank account to take care of sooner, rather than later.

Home Insurance for High Value Homes in Hopkinton, MA

Home Insurance for High Value Homes in Hopkinton, MA

Johnson & Rohan Insurance Agency is running a limited facebook campaign because we are so excited about our appointment with A- rated, Swyfft. We can now offer “Geico-like” savings on home insurance for high value homes in Hopkington, MA.

We decided on, of all towns and cities in Massachusetts: Hopkinton.

Why? Not only does The Marathon start in Hopkinton but so does the start of our new, Swyfft campaign. Hopkinton is a beautiful town and it’s growing. New construction and high values are well within Johnson & Rohan Insurance’s facebook campaign’s wheel house.

In addition to savings, Swyfft policies include guaranteed replacement cost on both dwelling and personal property coverage.

To qualify for coverage, your home must have: circuit breakers, be in good condition, not be rented, and have minimal claim history.

Getting a quote could not be any easier. Just enter your address and e-mail address. That’s all we need.

Within minutes you will receive a quote that will change how much you pay for home insurance.

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New Insurance Company for Cape Cod

New Insurance Company for Cape Cod

Cape Cod Insurance Relief!

Cape Cod homeowners can now breathe a sigh of relief! Long shunned by national insurers, HomeownerQuote.com now offers “Geico- like” savings for homes on Cape Cod.

Powered by long-time independent, Massachusetts Insurance Agency, Johnson & Rohan Insurance, HomeownerQuote.com has entered into an arrangement with national insurer, A- rated, Swyfft to offer Cape Cod homeowners extraordinary savings and coverage.

To qualify for coverage, your home must have: circuit breakers, be in good condition, not be rented, and have minimal claim history.

Kevin Johnson, owner of Johnson & Rohan Insurance says: “For the right home, we’re saving our Cape clients hundreds, sometimes thousands of dollars. It’s the big break Cape Cod homeowners have been waiting for.”

In order to get a quote, just send HomeownerQuote.com your contact and property address and they will send you a quote within minutes.

Protect Your Home From Ice Dams

protect your home from ice dams

Ice Dams

The combination of snow fall and extremely cold temperatures can result in ice dams.

What is an ice dam? An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof’s edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into the attic or down the inside walls of the house or other structure. Once an ice dam forms, the potential damage can be serious. Taking the following steps will decrease the likelihood that ice dams will form or, at least, will reduce their severity.

Protect your home from ice dams:

  • Keep the attic well ventilated. The colder the attic, the less melting and refreezing on the roof.
  • Keep the attic floor well insulated to minimize the amount of heat rising through the attic from within the house.
  • If heavy snow does accumulate on the roof, have the snow removed from the outer edge.

 

What’s the deal with home insurance and dogs?

What's the deal with home insurance and dogs?

What’s the deal with home insurance and dogs? There are over 4.5 million dog bites each year. These dog bites account for almost 25% of annual homeowner insurance liability claims. If you are a dog owner who’s in the market for a homeowner insurance policy, you should know what you might be up against.

What’s the deal with home insurance and dogs?

Certain breeds may exclude you from coverage in the voluntary market. These breeds include (but are not limited to): Akita, Cane Corso, Chow, Doberman, German Sheperd, Mastiff, Pit Bull, Ridgeback, Rottweiler, and Wolf Hybrid.

Any dog with a past history of biting will exclude the owner from voluntary market coverage.

What’s the deal with home insurance and dogs? No dog owner wants their dog biting friends or family, so here are some suggestions from professional dog trainers.

*Consider dog breeds carefully prior to selecting your new pet.  Some breeds are more aggressive than others.  You can even ask your insurance agent about a list of breeds that are problems for insurance companies.

*Spay or neuter the animal, as this often decreases the aggressiveness of dogs.

*Seek a vetrenarian’s advice quickly if your dog starts to become aggressive.

*Socialize your dog from an early age to encourage appropriate behavior.

*Never leave dogs alone with small children.

*Avoid aggressive games with puppies and dogs- tug of war, wrestling.

*Don’t put dogs in situations where they can feel threatened or teased.

*Train your dog to obey commands.

Home Insurance Too Expensive?

home insurance too expensive?

Is your home insurance too expensive? If so: you are not alone. Across the country insurance companies are hedging their bets to ensure they don’t lose many.

The stakes are high. New, trending now, AI (artificial intelligence), start-up insurance companies are launching new business paradigms.

Buyer, startups, insurance companies and agents beware.

Every year Massachusetts’ home insurance consumers should take a few minutes to review coverage and premiums with us here at HomeownerQuote.

As life changes, home insurance needs change as well.

HomeownerQuote offers our Homeowner Renewal Checklist:
  • Do you own jewelry, furs or watches with values over $1,000?
  • Do you own silverware with a total value of over $2,500?
  • Do you have a collection of valuables, including: coins, stamps or other?
  • Do you own any of the following: Musical Instruments, Fine Arts or Antiques, Camera Equipment, Sports Equipment, Personal Computer?
  • Do you own a boat?
  • Is there a trampoline on your property?
  • Do you have any tools, equipment or other property used in your business or occupation?
  • Would you like your insurance to provide: Replacement Cost Protection on your Dwelling, on your Personal Property, Credit Card/forgery protection, Ordinance or Law coverage, Earthquake coverage?
  • Flood is not a covered loss on a homeowner policy. Would you like to obtain rates for flood insurance? Also excluded from coverage are such things such as: rot, mold, mildew or animal/vermin/insect damage.
  • Are you interested in receiving information on: Auto, Life, Excess Liability (Umbrella), Boat or Business Insurance?
Home Insurance Too Expensive?

Have us shop you with numerous companies to find you the best rates and coverage.

 

Does your home have an umbrella?

Umbrella Insurance

Umbrella Insurance protects your assets. If you don’t have an umbrella policy, you should. It’s an important part of one’s financial portfolio.

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits. Coverage limits start at $1,000,000 and provides you protection from lawsuits.

Coverage is relatively inexpensive to purchase. $1,000,000 of coverage sitting over two autos and a home would cost about $180 annually.

Umbrella Policies require underlying motor vehicle liability limits of $250,000 per person/ $500,000 per accident.

In addition to coverage limits, insurance companies provide legal defense.

So, in essence, when you purchase higher limits you are also purchasing improved legal defense.

Please call or click if you would like to discuss Personal Liability Umbrella Coverage.

Home Insurance Policy

home insurance policy

Although it’s almost summer, Homeowner Insurance 101 – Class is now in session!

Let’s review the basics:

Your home insurance policy has 2 sections: Property & Liability.

Section 1, Property

Coverage A, Dwelling – The amount of coverage assigned to your dwelling should reflect the amount it would cost to completely repair or rebuild your home should it suffer a covered loss.

Coverage B, Other Structures – Typically 10% of Coverage A, Other Structures Coverage is for other structures (mailbox, shed, dog house, swimming pool, garage etc.) on your property detached from your dwelling. Coverage can be increased by endorsement.

Coverage C, Personal Property – Typically 50 – 70% of Coverage A, Personal Property Coverage provides coverage for your personal possessions such as furniture, clothing and appliances are covered. Certain types of possessions, such as jewelry, fine arts, antiques & collectibles, are excluded or have limited coverage.

Coverage D, Loss of Use – Typically 20% of Coverage A, Loss of Use Coverage pays for housing and other living expenses (like meals and laundry) if you suffer a loss that makes your home uninhabitable.

and

Section 2, Liability –

Coverage E, Personal Liability – Personal Liability Coverage provides on & off premise lawsuit protection and will provide coverage for bodily injury or property damage for which you are legally responsible.

Coverage F, Medical Payments – This coverage is available to others (not household residents) and will pay medical expenses up to, traditionally, $1,000.

These 2 sections make your standard home policy a “package” policy consisting of property and liability coverage.

Give HomeownerQuote a click, call or visit for your Massachusetts insurance needs.