Skip to main content
If you are buying a new home, or just shopping around for better rates for your MA home insurance, it’s important to understand how coverage works. This Massachusetts homeowners insurance guide can help you get a better understanding of what you may need and answer some questions about coverage
Do I Need to Have Homeowners Insurance in Massachusetts?
There is no law requiring homeowners insurance in MA. However, if you are financing your home with a mortgage lender, they often will require home insurance coverage. Even if you do not have a mortgage, it’s still a good idea to have coverage. If you experience a loss, you will be totally responsible for paying for it out of pocket. You can’t predict what accidents could happen, and if you are not prepared, the effects can be financially devastating.
Call us at 413.475.7283
Complete our online quote form today
What Does MA Home Insurance Cover?
Most basic homeowners insurance coverage in Massachusetts will help cover the following things:
- Dwellings and Structures
- Replacement Costs
- Personal Property Protection
- Additional Living Expenses
- Liability Protection
What Additional Coverages Can I Add?
Outside of the basic coverage that comes with your home insurance, you can add-on additional coverage. These additional items can help further protect your home and could be a good idea, depending on your situation. Talk to your insurance agent about the benefits of these coverages and if they make sense for your house.
- Building Replacement Coverage
- Personal Property Replacement Cost
- Ordinance or Law Coverage
- Personal Injury Protection
- Identity Fraud Expense Coverage
- Sump Pump Overflow
- Watercraft Coverage
- Food Spoilage
- Lock Replacement
Call us at 413.475.7283
Complete our online quote form today
Why Should I Have Home Insurance?
Outside of being required by a mortgage lender, homeowners’ insurance has many benefits! It’s a financial safeguard against potential loss. Accidents can be costly, and insurance helps protect you financially when they do happen. If a lawsuit is filed against you, you could be paying a lot of money out of pocket for legal fees. Insurance can help cover some of these costs.
Your MA home insurance can also help protect your personal belongings, even when they are not inside your home. Or if needed, provide temporary housing if your home sustains damage and is unlivable while you are fixing it up.
At the end of the day, home insurance is there to help give you some peace of mind. It’s a safety net for when things don’t go according to plan.
How Do I Get Coverage?
Now that you know a bit more about home insurance in MA, it’s time to get coverage! You can use an independent agent like Encharter to help find coverage. Using local agents can give you an edge – your agent is an expert! At Encharter, we know the ins and outs of insurance in Massachusetts and are dedicated to getting you the best converge for your situation. Give us a call, or fill out a form to get a quote! There’s a lot to navigate when picking out home insurance. We are here to help!
