Home Insurance
For most, your home is more than a place with four walls and a roof. It’s the most significant asset you own! Naturally, it makes good sense to protect it against the risks associated with home ownership. We can prepare a homeowner insurance policy to stand against those risks. We offer various home insurance options to ensure 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 falls down your stairs. If 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.
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.
Features
Home Insurance Policy Outline
Guaranteed Replacement Cost Coverage
Keeping Your Mortgage Company Happy
Choosing Your Deductible
Personal Property Replacement Cost Coverage
Replacement Cost Estimations
Ways to Save
Scheduling Unique Valuables
Common Exclusions
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Your home is one of your most valuable assets. We will make certain that it is properly insured.
Dolan and Maloney Insurance Home FAQ
What should I do when buying a new home?
When purchasing a home, one of the first things you should do is secure homeowners’ insurance before closing. As soon as you have an offer accepted, it is time to get some quotes. Home insurance helps protect your investment against covered losses and is required by your mortgage lender. If you’ve recently purchased a home in Massachusetts, our team can help you find the right coverage for your new home.
Do I need home insurance on a condo?
Short answer: Yes. Condo insurance can be confusing because the condo association typically has a master policy, which can make it seem like the condo unit purchaser doesn’t need their own policy. The master condo policy does not cover your personal property or your personal liability. Additionally, how the association has written its bylaws has a significant impact on how the master condo policy’s coverage will be applied.
Does homeowners’ insurance cover smoke damage?
The answer for all coverage questions is the same: “It depends.” Homeowners’ insurance often covers smoke damage if a covered event, such as a house fire, causes it. Coverage may help pay to repair your home and clean or replace damaged belongings, depending on your policy. Every policy is unique, and the language it contains determines what is or is not covered. Assumptions often lead to challenges during a claim, so it is best to work with an agent who understands and can clearly communicate what is or is not covered by your specific policy.
What is a homeowner’s insurance policy limit?
A policy limit is the maximum amount your insurance company will pay for a covered loss. Different parts of your policy, such as dwelling, personal property, and liability coverage, each have their own limits. If you’re unsure whether your current limits are adequate, we’re happy to review your coverage with you.
Does homeowners’ insurance cover home offices?
A standard homeowners’ insurance policy may provide limited coverage for business property kept at home. If you operate a business from your home, you may need additional insurance to protect your equipment and business-related liability fully. Never assume; have a conversation with your agent or someone on our team. It is best to find out if you have an exposure before a claim, not after.
Does homeowners’ insurance cover damage from falling trees?
It depends on your specific policy. Homeowners insurance generally covers damage caused by a falling tree if the tree falls because of a covered peril, such as a windstorm or lightning. Still, some policies require the tree to cause damage to a structure or your personal property. Your policy may also help pay for debris removal in certain situations. Coverage can vary, so homeowners in Massachusetts should review their policy for details.
What if my neighbor’s tree falls on my property?
This question comes up often. The short answer is that the home insurance policy covering the damaged property is the one that pays for the covered loss. So, if a windstorm blows your neighbor’s tree onto your fence, your home insurance pays the claim.
Can I change my homeowners’ insurance coverage at any time?
Yes. You can update your homeowners’ insurance policy whenever your coverage needs change. Whether you’ve completed renovations, purchased valuable items, or simply want different coverage, homeowners in Massachusetts can contact our agency to discuss their options.
What is liability protection in homeowners’ insurance?
Liability protection helps cover costs if you’re legally responsible for someone else’s injuries or property damage. It may also help cover legal expenses if you’re sued because of a covered incident that occurs on or off your property.
Does homeowners’ insurance cover accidental damage?
Yes, homeowners’ insurance covers certain types of accidental damage so long as the damage is caused by a covered peril and is not excluded. All homeowners’ insurance policies have exclusions, and those exclusions can vary from one policy to the next. Our team is ready to help Massachusetts homeowners understand what is and isn’t covered.
Why is it important to inventory my belongings?
Creating a home inventory can make the claims process easier if your belongings are damaged or stolen. Keeping a list of valuable items, along with photos and receipts, can help document your losses after a covered claim.
How do I choose the right homeowners’ insurance policy?
No two homeowners’ insurance companies are the same, even if they are writing the same policy form. The right homeowners insurance policy depends on your home’s replacement cost, the cost of your belongings, and your liability needs. In addition to these factors, it is important to consider how the insurance company handles claims and its financial stability. Many insurance companies experience fluctuations in their financial health, which have a direct impact on the company’s ability to pay claims. If you’re looking for homeowners’ insurance in Massachusetts, we’re here to help you compare your options and find coverage that fits your needs.