For most, your home is more than a place with 4 walls and a roof. It’s the largest asset you own! Naturally, it makes good sense to protect it against the risks associated with home ownership. We can prepare you a homeowner insurance policy built to stand up against those risks. We offer a variety of home insurance options to make sure all your bases are covered against destructive weather, theft, accidents and more.
Personal Liability Insurance is Important
You invite guests to your house for dinner and one of them falls down your stairs. In the event you get sued over this accident, your personal liability insurance will protect you and your financial assets against the cost of legal fees.
Protect Your Property
You can put a new roof on your house or cover it with the best quality siding. Yet, there is nothing you can control when it comes to weather. Whether a hail storm damages your new roof or lightning strikes your property, the only control you have is to be prepared with a Property Insurance policy. The uncontrollable damages will be covered and your financial assets will remain in tack.
A standard Homeowner policy protects you against:
- Smoke Damage
- Falling Objects
- Weight of Ice and Snow
- Theft of personal property
What About Water?
A standard policy covers water damage if a pipe bursts or your water heater ruptures. But if your home is flooded as a result of stormwater, an overflowing body of water, or groundwater seeping or leaking into your basement, homeowners insurance won’t cover it. Water damage from a sewer backup or overflowing sump pump is also listed as an exclusion in most policies.
If your home is at risk of flood damage or sewer and drain backups, you should consider flood insurance or adding a water backup coverage endorsement to your homeowners insurance.
Take the Next Steps Forward
If you are in the market for a new home or looking to review your current homeowners policy and add an extra layer of protection, we are ready to explain your options and develop a plan that best fits your needs. Please request a quote or contact us to learn more.
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Licensed to write policies in MA, ME, NH