How Does Insurance Protect my Home?

Massachusetts Homestead Act

So, you ask yourself: How does insurance protect my home?

Homeowner insurance is designed to protect your home from certain perils such as fire, theft, wind, hail, falling objects, riot, vehicle damage, explosion, smoke and bursting of pipes. Notable exclusions are: flood, earthquake, mold, mildew, rot or animal damage.

When setting up your Massachusetts home insurance policy, will help you come up with the Replacement Cost of your home. Not to be confused with Market Value, the Replacement Value is the amount of money it would take to replace you home if it were destroyed by an insurance loss. The Coverage A, Dwelling, amount should represent this Replacement Value.

How Does Insurance Protect my 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.

Homeowners Insurance Coverage 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


  • will find you products that are competitively priced & that offer great value with many money-saving discounts:
    • New or renovated home discount
    • Account discount when you insure both your auto and home with the same company
    • Loss free credit
    • Non-smoker credit
    • Security discounts are available for homes with: smoke detectors, dead bolts, fire extinguishers or alarm systems.

Happy Thanksgiving

Happy Thanksgiving! is thankful for having you as a client.

We understand there are many places to buy your insurance.

Our goal, is to provide added value to our clients.

Everyday we ask ourselves: “where do we add value?”

Value is saving you money and maximizing different companies’ discount programs.

Value is at claim time when you understand the coverage you’ve spent all this money on over the years.

Value is when you call our office and get a friendly & responsive voice.

Value is having an independent, insurance professional reviewing your coverage, shopping your insurance, and offering trusted advice at claim time. appreciates your business.

Thank you for insuring with us.

Happy Thanksgiving!

The Power of the Independent Insurance Agent

The Power of the Independent Insurance Agent

There are many ways to buy home insurance. You can buy through a direct writer such as: Geico or Liberty Mutual –OR- you can use an Independent Insurance Agent.

HomeownerQuote utilizes the power of the Independent Insurance Agent.

Your Independent Agent plays an important role in your family financial protection plan.

Your Agent shops coverage with multiple companies and finds you the best rates.

Your Agent reviews coverage to ensure you understand your limits and offers coverage options.

Maybe, however, the most important job of the Independent Insurance Agent is the role of advocate.

Webster Dictionary defines advocate 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

All three definitions apply to a good insurance agent.

HomeownerQuote utilizes the power of the Independent Insurance Agent.

At claim time, if you have a claim with a direct writer, you really don’t have anyone that’s your advocate.

Your Agent, on the other hand, is there to assist during a claim to ensure insurance companies treat you fairly.

HomeownerQuote: The Power of the Independent Insurance Agent.