The Massachusetts Automobile policy is actually made up of 12 parts. The first four parts listed below are required based on Massachusetts law and are referred to as Compulsory Insurance and are needed in order to register a car in the state.  The other coverages are optional insurance and are not always required by law.  These optional coverages provide additional insurance protection when you are trying to protect yourself, your family, and your cars.  Learn more.

As an owner of a townhouse or condominium, you have different insurance needs than a homeowner.

Every condo and townhouse association has different bylaws, so it's important to customize your insurance policy to provide proper coverage for your personal property, your liability, and your building coverage.

The interpretation of bylaws is best left to a legal professional, but we are happy to explain coverages and help you design a condo policy that suits your needs.
 

If you own a property that is non-owner occupied, such as a rental property, a dwelling fire policy is the type of policy you need to cover your interest. Unlike a homeowners policy, with a dwelling fire policy you purchase just the coverage you need. You can purchase any combination of dwelling, coverage, liability coverage(in the event of a law suit), and contents coverage.

Please call one of our customer service representatives for a more thorough explanation and let them help you determine the coverage you need. 

Protect Yourself

Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. 

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.

To find out more information regarding flood insurance and to receive a quote, please contact our customer service department.

Every homeowner’s needs are different and your policy should reflect that. Our agents will survey your insurance needs and calculate a cost estimator on your home to help you determine your coverage needs.

Typically a basic homeowners policy covers:

• your home structure (important to have home insured to value in the event of a loss)
• some coverage for additional structures- garages, sheds, etc
• personal possessions ( up to a limit)
• living expenses in certain circumstances
• liability

You can also opt to purchase additional coverages such as:

• valuable articles/floater insurance ( for jewelry, guns, furs, etc)
• flood policies
• umbrella policies ( for additional liability)
• earthquake

Contact our office and our agents will explain your liability and deductible options. They will research all available discounts, including credit for alarm systems, non-smoking households, and you could also be eligible for a multi-policy credit if we have both your home and auto.

Protect your mobile home and personal property in the event of a loss. We can offer a competitive rate to insure your mobile home on either cash value or replacement basis.

Please contact our office and one of our client service representatives will do an insurance survey to pinpoint your insurance needs. They will discuss coverages for the property and liability, along with details of additional coverage available to help you make your decision.
 

You do not have to be a millionaire to be sued like one.

You may not think you need an umbrella policy but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home, or an accident you were involved in and the costs exceed the liability coverage on your current policy?  An Umbrella policy provides extra liability protection above and beyond  your home, auto, and watercraft policies in the event a claim results in a lawsuit.  

Contact our customer service representatives for a price quote or for further information on how to protect you and your family.

Don’t forget to insure your toys! 

We have a competitive market to provide liability and physical damage coverage for your ATV, golf cart, snowmobile, boat or watercraft, and motorhome or camper.

Let our customer service representatives help you secure the coverage you need for physical and liability coverage on all of your recreational vehicles.

Don’t make the mistake of assuming your landlord’s insurance policy will cover you!

Whether you pay rent to live in an apartment building, house or duplex, a Renters (Tenants) insurance policy protects you and your personal property. It is important you have your own coverage to ensure that your furniture, clothing, valuables, and all belongings in your residence are protected, as well as liability coverage in the event of a lawsuit.

Contact us today to learn more about protecting yourself and your possessions.
 

When your home or property becomes unoccupied, a different type of insurance policy is needed to ensure coverage is still available in the event of a loss.  

A vacant dwelling policy will cover physical damage exposure, dwelling contents loss, as well as liability claims made against the property while unoccupied.  Contact our office to help you secure the coverage needed for your protection.