Why do I have "Other Structures" coverage on my policy when I do not have any other structures?
What are scheduled items?
What is Identity Theft coverage?
Does my Homeowners policy cover my child's personal belongings while away at college?
Do I need earthquake coverage?
Should I add water back up coverage to my policy?
When should I notify you of any improvements I have made to my property?
What if I have an In Home Business?
Is my personal computer covered?
A. "Other Structures" coverage includes any unattached structures, i.e. garages, sheds, fences, and pools. Other Structures are automatically included in the policy and can not be deleted or decreased however they can be increased in the event you have other structures that exceed the limit provided.
A. Scheduled items can be anything from fine arts to jewelry to silverware. You list specific items to protect them more thoroughly. You simply provide an appraisal (dated w/in past 3 years) or a bill of sale and the item can be scheduled on your Homeowners policy. An additional charge will apply.
A. In the event you have your identity stolen, Identity Theft coverage will reimburse the expenses incurred while you go through the process of getting back your identity. Identity Theft coverages vary by company.
A. If they are living in a dormitory, 10% of your personal property coverage is extended to the dormitory room. If they are living in an off campus apartment building, they will need to apply for a tenant's policy of their own.
A. We would recommend it, Massachusetts has experienced earthquakes, and/or earth movement and if damage occurred to your home it would not be covered under your Homeowners policy. An earthquake endorsement can be added for an additional premium.
A. If you have the potential for water in your basement from backed up sewers and drains and/or failure or overflow of sump pump, water back up coverage is a good endorsement to be added to your Homeowners Policy for an additional premium.
A. Any improvements that change the square footage of your property, and/or any major upgrades, i.e. kitchen, baths, finished basements, and swimming pools, etc. You should notify us prior to the project and then at the completion so that we can increase your policy accordingly.
A. Your Homeowners policy excludes coverage for a Home Business so you should always notify us of any Business ventures in the home. An endorsement can be added to your Homeowners Policy to provide extra coverage for your activities and/or business contents.
A. Yes, your personally owned computer is covered under the MA Homeowners Policy for named perils. You may want to purchase broader coverage. Contact us for additional information.
What is a Personal Umbrella Liability Policy?
Do I need a Personal Umbrella Liability Policy?
Are Personal Umbrella Liability Policies expensive?
Is a $1,000,000 Umbrella enough coverage?
A. Umbrella Liability provides an additional limit of liability over your, automobile, home and other personal policies. This is designed to protect you from third party lawsuits.
A. Yes - We recommend that everyone have a Personal Umbrella Liability Policy. This protection is invaluable in protecting your assets. Contact one of our fine Customer Service Representative today!
A. No, when you review what they cover and their value, an umbrella policy is a nominal cost. An average consumer would pay between $175 - $200 per year, for 1 Million in coverage.
A. Your coverage amount is based on your personal assets. You should evaluate your finances closely to determine what is the proper amount of coverage that will fit your insurance needs.
Is flooding covered by my Homeowners Policy?
Do I need Flood Insurance?
Can I still purchase Flood Insurance even if I had previous flooding?
A. No, it is not covered. However you can purchase a separate Flood Policy through our office provided by the National Flood Insurance Program.
A. All mortgagees require Flood Insurance for specific flood zone locations, for everyone else it is optional. We can advise you of your flood zone within minutes.
A. Yes, coverage is still available (as long as certain guidelines are met).
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