Plymouth County, The South Shore and South Coast of Massachusetts: What an amazing place to call home.
Your house here is one of your family’s biggest assets, filled with personal property, clothes, prized possessions, memorabilia and valuables. It’s where you and your loved ones eat, entertain, laugh, cry and lie your heads down to sleep…
As tempting as it may be to shop online for the cheapest Massachusetts home insurance, resist the urge. What would you do if you lost everything? It will be easier to start over if you have the right (rather than cheapest) insurance.
What Does Home Insurance Do?
Massachusetts home insurance protects your physical home, your personal property, and offers you liability coverage. So if a Nor’Easter blows a tree through your roof, a thief breaks in and takes your valuables, or someone slips on your sidewalk after a snow storm, you won’t be responsible to pay out of pocket for repairs, replacements and medical bills.
That Sounds Simple Enough, Right? Wrong
While at face value it might seem easy to insure your home, there are many questions, variables and exclusions (looking at you, flood insurance) you must take into account. You can’t assume that your house and property are properly insured against most anything simply because you have a home insurance policy.
Just a handful of things to consider: How old is your home? Do you need Ordinance & Law Coverage? Did you know that there’s limited coverage for more than a handful of specific personal property coverage’s like jewelry, watches, silverware, personal property used for business, firearms? Do you have a swimming pool or an out-of-the-ordinary exposure to risk not shared with most homeowners? Is that covered and, if not, how can you get coverage for it? Do you have a tenant or roomer/boarder? Do you have any pets? Do you operate a business from home? Did you know that flood and earthquake coverage are excluded from your home insurance but that you can get coverage for them in most cases?
And will you have a special deductible added?
If you’re within just a few miles from the coast or live in Barnstable County you may have to make a decision about a hurricane deductible, wind deductible or CAT deductible and now you need even more information because you may be comparing policies with very different coverage.
How to Make Sense of It All: Call Atlantic Insurance
While we fully believe that you could do your own research and come up with an informed decision on your own, why not ask an expert from the get-go and save yourself the hassle?
At Atlantic Insurance, we breakdown your exposures and explain your coverage options so that you’ll know what’s covered and what’s not covered before you have anything happen (lightning strike, tree fall, roof leak, slip & fall, hurricane damage) at your home. You’ll have the information you need to make an informed decision.
Give us a call at 781-585-5551 or contact us here.