MA Independent Insurance Agent Advantage Archives

Massachusetts Home Insurance Rates

As referenced in a recent Sunday Boston Globe article: “insurance companies are raising rates to offset a big jump in claims related to damage caused by tornadoes, severe snowstorms, and Tropical Storm Irene … according to industry executives.”

All is not lost, however.

With the help of your helpful, friendly, independent agent, you still just might be
able to save money!

Homeownerquote Money Saving Tips:

– Package your home insurance with your auto
insurance.

– Review your coverage.

– Consider increasing your deductible.

– We will shop your coverage with multiple companies.

Give us a call for your free, friendly, home insurance review.

Is Your Home Construction “UP TO CODE?!?”

When you house, garage, barn or other premises is damaged in a covered insurance loss, you are paid to replace the same type of materials as were damaged.

If your town or city passes building construction and repair codes that require upgraded or different materials than those presently used in you current building construction, the additional cost of “bringing your home up to code” after a loss could be staggering.

Typical code requirements involve plumbing & heating equipment, wiring, and even roofing materials!

This additional cost of upgraded materials to repair to “code” is not covered under many homeowner policies.

GOOD NEWS! This important coverage can be purchased on your MA home insurance policy.

Call or click us today!

Complete Protection for Your Home

Your home is one of the largest investments you will ever have. You want to make certain that your coverage is tailored to your individual home and personal needs. Your Independent, Massachusetts Insurance Agent will offer quality, basic coverage with many features and many coverage options to enhance your protection.

A Homeowners Policy Protects:

Dwelling (your home)
Other Structures, such as a detached garage, shed, fence, mailbox or doghouse
Personal Property, including furniture, clothing, appliances and much more
Loss of Use, for living expenses, when the home is damaged and uninhabitable
Personal Liability Coverage, protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home
Medical Payments to Others

Coverage Options:

Personal Property Replacement Cost Protection. Provides full replacement cost (no depreciation)for your personal belongings
Replacement Cost Protection on your Dwelling. Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate
Personal Injury. Protects you against libel and slander
Schedule Valuable Items. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, fine arts, collectibles, antiques and other “special items”
Umbrella Policy. Offers an additional $1 million to $5 million of liability protection
Flood Coverage. Flood damage is typically not covered under a home insurance policy. This affordable coverage covers damage to your property and provides cleanup reimbursement
Earthquake Endorsement

Massachusetts Home Insurance Rates

In 2012, the Boston Globe reported: “insurance companies are raising rates to offset a big jump in claims related to damage caused by tornadoes, severe snowstorms, and Tropical Storm Irene last year, according to industry executives.”

Since then, rates have continued to increase.

All is not lost, however. With the help of your helpful, friendly, independent agent (us!), you still just might be able to save money yet!

HomeownerQuote.com’s: Home Insurance Money Saving Tips:

– Package your home insurance with your auto insurance.

– Review your coverage.

– Consider increasing your deductible.

– We will shop your coverage with multiple companies.

Give us a call for your free, friendly, home insurance review.

Replacement Cost Reminder …

Within the Insurance Industry it is known as “the hidden deductible at claim time.”

Replacement Cost Protection on your Personal Property is vital to ensure you receive money to replace your belongings without depreciation.

The cost for this endorsement is approximately 10% of your policy’s annual premium.

The savings, at claim time, can be in the thousands of dollars.

With this Replacement Cost Endorsement your homeowner’s policy will pay to replace stolen or destroyed unscheduled personal property – old or new – without depreciation.

Call or click us for your free, no obligation Massachusetts home insurance quote.

Home Insurance

Our pursuit is to quote your home insurance with numerous companies and show you different coverage and premium options.

Although our humble web log is dedicated to Massachusetts homeowner insurance, you should really be thinking about packaging your auto, home, and umbrella coverage with the same insurance agency.

By buying your insurance through your local, Massachusetts independent agent, you receive the benefit of having someone shop, compare and recommend an insurance program that is right for you and your family.

By packaging your insurance with one agent, you will benefit from account discounts and having someone working for you at renewal, claim or billing time.

Save money by requesting a Massachusetts homeowner insurance quote with us today.

You’ll be happy you did.

Massachusetts Home Insurance

We recommend, when shopping for homeowner insurance in Massachusetts, give us a call or click.

We will shop your MA home insurance with numerous companies to provide you the best rates, the best companies, the best insurance programs, and the best options.

We will work with you to help determine your MA home insurance needs.

Call or click us today ….

The basics of homeowner insurance coverage:

Covered Perils – A homeowner insurance policy will provide protection from: fire or lightning, windstorm or hail, explosion, aircraft, vehicles, riot or civil commotion, smoke, theft, vandalism/malicious mischief, glass breakage, volcanic eruption, falling objects, weight of ice, snow or sleet, freezing of plumbing, accidental plumbing discharge, rupture of steam or hot water heating system, air conditioning systems, or water heaters, damage from artificially generated electricity.

Exclusions – A homeowners policy excludes coverage from: flood, or water that backs up through sewers, loss to building by earthquake, aftershocks and mud slides, loss by enforcement law or ordinance regulating construction, repair or demolition, or zoning, loss due to power interruption when the interruption takes place off the residence property, loss due to neglect of the insured to save and preserve property following a loss, war and nuclear perils, intentional loss.

Massachusetts Home Insurance

www.HomeownerQuote.com has been giving out free Massachusetts home insurance quotes since 2001. When taking advantage of our services, you are utilizing the power of the Massachusetts Independent Insurance Agent.

Your MA Independent Agent shops your coverage with numerous companies to find you the best premiums and coverage.

In Massachusetts, homeowner insurance rates are not all the same.

Different companies have different appetites for different kinds of risks.

Do you own or are you buying a coastal home?

Is your home in a flood zone?

Do you own a dog?

Do you have a trampoline?

Have you had past insurance losses?

What kind of condition is your home in?

All these questions are factors when determining the most competitive Massachusetts home insurance market.

Give us a call or click us today.

You will be glad you did.

MA Home Insurance Review: Do Yourself a Favor

It is important to understand your insurance coverage.

Each year at renewal time, you should schedule an insurance review with your independent, Massachusetts agent.

If you do not have an agent and you go directly through the insurance company, do yourself a favor, call them and ask for a coverage and discount review. Then call a local, independent, Massachusetts insurance agent to compare.

Become an engaged insurance consumer!

Some questions to ask:

Do we carry adequate liability limits? Limits should equal, at least, your net worth.
Should we carry Umbrella coverage?
What is the value of our vehicle? If the value is low, should we still carry collision coverage?
If our car loan is paid off, should we remove the lienholder on our policy?
Are we getting all available discounts?

Please utilize our services, as well, for an annual insurance review, explanation of coverage, & discount double-check.

HomeownerQuote = Massachusetts Home Insurance. Call or click us today!

MA Home Insurance Inventory Checklist

The homeowner insurance policy is one of “utmost good faith”- meaning that each party involved in the insurance contract (client, agent & insurance company) is acting in good faith and that everyone trusts one another.

At claim time, anything you have in the form of receipts, detailed descriptions, appraisals, inventory listings, video etc., can be extremely helpful.

In the old days, we recommended our clients fill out a home inventory checklists — send us a copy, and keep another copy in a safe, fire-proof location. Checklists can still be helpful but now -even better- is video. If you video your home and belongings and store in the cloud, at claim time, you should have no problems.

Another site sponsored by the Insurance Information Institute (https://www.knowyourstuff.org/iii/login.html) offers free, online inventory and checklist software/app.

If you would like a free, home insurance inventory checklist, please call or click us today!

HomeownerQuote.com: Your Online Independent Massachusetts Insurance Agent!