Your home is an asset that you should protect.
Owning a home or condominium is a big investment, so you'll want to protect it.
Homeowners Insurance - Property Coverage
Homeowners insurance provides property coverage for single-family dwellings. Various options are available, ranging from basic homeowners insurance coverage to more comprehensive policies that include extra protection. Go over your options with an East Douglas Insurance agent to ensure you select the right policy for your property. If disaster strikes, you can then file a claim, and the insurance company will handle the rest.
What Does Massachusetts Homeowners Insurance Cover?
Most basic homeowners insurance policies in Massachusetts will protect your home and permanent outbuildings in case of:
Along with covering the external structures, basic policies generally cover items inside of the home. These include the HVAC systems, appliances, clothing, and more, as long as the damage was due to the covered event. In addition, homeowners can use the policy to pay for food and alternate lodging if the home is uninhabitable.
Massachusetts insurance policies have additional protection in case someone outside of your household was injured due to such an event. This includes medical expenses if the injured individual requires medical care and legal expenses in case of a lawsuit.
Massachusetts Property Coverage Exclusions and Riders
Homeowners insurance policies also include exclusions and riders. Exclusions refer to items that the policy does not cover. An East Douglas Insurance agent will discuss the exclusions with you in detail. That way, you will understand what your policy contains.
You can also add endorsements or riders to your policy. This allows you to customize the policy to your needs. You can use riders to add exclusions if you wish or to cover items not initially offered in the basic policy. Your agent will go over your situation and craft a policy with the right amount of coverage. That includes riders as needed.
Protect Your Home and Belongings With Property Insurance
Your home is likely your most valuable asset, and you can protect it with property insurance. The East Douglas Insurance Agency can value your home and belongings and customize a policy specifically for you. Whether you want something basic with low payments or you need a higher level of coverage for your belongings, your agent will work with you to draft a policy that provides the right protection.
You never know when disaster might strike, so don’t delay. Contact the East Douglas Insurance Agency today or request a homeowners insurance quote online.