312 Main Street
PO Box 1028
Athol, MA  01331-2264
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Massachusetts Association of Insurance Agents Trusted Choice

Homeowners Insurance

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.