Homeowners Insurance
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:
- Liability
- Fire
- Lightning
- Windstorms/Hail
- Smoke Damage
- Falling Objects
- Freezing
- Weight of Ice and Snow
- Vandalism
- 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.
1. How do I know if I have enough homeowners insurance?
The amount of homeowners insurance you need depends on the cost to rebuild your home, the value of your belongings, and your liability needs. If you’re unsure whether your current policy provides enough protection, we’re happy to help you review your coverage.
2. Does homeowners insurance cover storm damage?
Many homeowners insurance policies cover damage caused by storms, including wind, hail, and lightning. Coverage varies by policy, so homeowners in Massachusetts should review their policy to understand what’s covered.
3. Can I get homeowners insurance before I buy a house?
Yes. In fact, most mortgage lenders require homeowners insurance before closing on your home. If you’re buying a home in Burlington, we can help you find coverage before your closing date.
4. Does homeowners insurance cover my garage?
In most cases, homeowners insurance covers an attached garage as part of your home’s structure. Detached garages may also be covered, although coverage limits can vary by policy.
5. What should I do if my home is damaged?
If it’s safe to do so, document the damage with photos, take steps to prevent further damage, and contact your insurance company as soon as possible. Keeping records of your repairs and expenses can also help during the claims process.
6. Does homeowners insurance cover my belongings outside the home?
Many homeowners insurance policies provide limited coverage for personal belongings even when they’re away from your home. Coverage limits and exclusions apply, so it’s important to understand what your policy includes.
7. Can I change my deductible?
Yes. Most insurance companies allow you to adjust your deductible when purchasing or renewing your policy. Choosing a higher deductible may lower your premium, while a lower deductible can reduce your out-of-pocket costs after a covered claim.
8. What discounts are available for homeowners insurance?
Many insurance companies offer discounts for bundling policies, installing home security systems, having a newer roof, or maintaining a claims-free history. If you live in Burlington, Massachusetts, our agency can help you identify discounts you may qualify for.
9. Is homeowners insurance the same for every home?
No. Every home is different, so homeowners insurance is tailored based on factors like the home’s age, size, location, construction, and the coverage you choose. That’s why it’s important to select a policy that fits your specific needs.
10. How do I get a homeowners insurance quote?
Getting a homeowners insurance quote is simple. You’ll typically need basic information about your home, including its age, size, and location. If you’re in Massachusetts, our team can provide a personalized quote and help you compare your coverage options.
Request A Quote
Get a free Home Insurance quote now!
W. Gochis Insurance Agency, Inc
Address :
113 Cambridge Street,
Burlington MA 01803
Summer Hours:
Monday-Thursday
8:30 AM - 5:00 PM
Friday
8:30 AM - 1:00PM
Nights and Saturdays
by appointment
Phone: 781-272-8306
Fax: 781-272-1362
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Licensed to write policies in MA, ME, NH
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The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.