Category: Homeowners Insurance

Does Your Homeowners Insurance Cover Detached Structures?

You know your house is protected by homeowners insurance, but what about the shed out back, the fence around your yard, or the detached garage where you park your car? Coverage for these structures is often overlooked, and many Massachusetts homeowners do not realize how limited it can be until damage happens. In this blog, we’ll explain how homeowners insurance applies to detached structures, what “other structures coverage” typically includes, and how to make sure every part of your property is fully protected. Continue reading Does Your Homeowners Insurance Cover Detached Structures?

Homeowners Insurance vs. Renters Insurance: What’s the Difference?

Owning or renting your home comes with its own unique set of responsibilities and risks. Whether it’s protecting the structure, your personal belongings, or covering liability if someone is injured, having the right coverage is essential to protecting your finances. In this blog, we’ll break down the key differences between homeowners insurance and renters insurance and what each policy covers. Continue reading Homeowners Insurance vs. Renters Insurance: What’s the Difference?

Protecting Your Home While You’re Away: Insurance Tips for Travelers

Whether you’re heading out for a weekend road trip or an extended summer vacation, leaving your home unoccupied comes with more risk than most homeowners expect. From unnoticed water leaks to break-ins or electrical issues, even a few days away can open the door to costly damage or insurance complications. In this blog, we’ll walk through five practical tips to protect your home while you’re away and how the right homeowner’s insurance can help you stay covered, even when you’re not around. Continue reading Protecting Your Home While You’re Away: Insurance Tips for Travelers

3 Common Homeowner’s Insurance Mistakes

A leaky pipe. An outdated policy. A roof that hasn’t been inspected in years. These may not seem urgent, but when you’re dealing with a denied claim or costly repairs, you’ll wish you took proactive steps to make sure you’re protected. Homeowner’s insurance serves as a safety net, but only if you do your part. In this blog, we’ll go over 3 common homeowner’s insurance mistakes and what steps you can take to stay ahead. Continue reading 3 Common Homeowner’s Insurance Mistakes

A Guide to Exterior Weather Damage and Homeowners Insurance

As the winter weather continues to settle in, homeowners are faced with the harsh reality of the damage snow, ice, and freezing temperatures can cause to the exterior of their home. From roof and siding damage to foundation cracks, the risks of weather damage are more than just an inconvenience — it can lead to costly repairs, safety hazards, and long-term structural issues. In this blog, we’ll take a closer look at how you can prepare for weather damage and the role homeowner’s insurance can play in your exterior home repairs. Continue reading A Guide to Exterior Weather Damage and Homeowners Insurance

Guest Liability and the Holiday Season: Keeping Guests Safe

The holiday season is a time for gathering with family and friends, and filling homes with laughter, love, and celebration. But when you host guests during the holidays, there’s a chance that accidents could happen on your property, leading to unexpected liability issues. Understanding guest liability and knowing how to protect your visitors – and yourself – can help ensure a safe and joyous season. Continue reading Guest Liability and the Holiday Season: Keeping Guests Safe

Most Common Insurance Claims in the Fall

As the crisp fall air rolls in and the leaves start to change, many of us look forward to cozying up by the fireplace, heading out for scenic drives, and preparing for the upcoming holiday season. However, autumn also brings unique challenges that make proper insurance coverage vital. From weather-related accidents to home safety challenges, we will go over the most common insurance claims that are filed during the fall and how you can make sure you have the needed protection.  Continue reading Most Common Insurance Claims in the Fall

How Insurance Changes When Downsizing Your Home

Thinking about downsizing can feel like a really big step, but it’s an exciting chance to rethink what you really need in a home. Whether you are moving out of your parents’ home into your first apartment or from a family home to a retirement condo, there are several important aspects to keep in mind. In this blog, we will walk you through how insurance changes when downsizing your home and guide you through taking a new home inventory, assessing changes in liabilities, and determining whom it needs to cover.   Continue reading How Insurance Changes When Downsizing Your Home

What Factors into an Insurance Quote?

When you’re shopping for insurance, one of the first things you’ll do is get a quote. But what exactly goes into determining that number? Insurance companies consider a variety of factors when calculating a quote, each of which helps assess the level of risk you pose as a policyholder. Understanding these factors can give you a better idea of what to expect and how you might be able to lower your premium. Let’s break down the key elements that influence an insurance quote.  Continue reading What Factors into an Insurance Quote?