The right homeowners insurance can be hard to find in Massachusetts, very similar to the difficulty in trying to find the perfect home. Whether you have just moved or are shopping around for home insurance, our agents can help you out. Allow our agents to guide you through the homeowners insurance buying process. They can help you get the coverage you need, specifically for you and your home. Break-Ins, Fire, or Weather-related Damage – a good insurance policy can help you prepare for some of the unexpected.

Here are some basic coverages your home insurance policy in MA should include:

  • Replacement costs
  • Additional living expenses
  • Personal possessions (up to a set limit)
  • Liability protection
  • Structure of your home

The state may not require you to have insurance as a homeowner, but your mortgage company will. Aside from your mortgage company requiring the coverage, having an insurance policy to protect your house is always a good idea. Knowing your investment, family, and your personal belongings are covered can help you rest a little easier at night. Take a look at our agent recommended coverage, below:

  • 100% of the Replacement Cost Value
  • Liability: $1,000,000
  • Medical Payments: $5,000

Here are some interesting facts about homes in Massachusetts:

  • In 2012, there was $237 million in property damage due to home fires.
  • New England’s two largest cities are Boston (the largest) and Worcester.
  • The average price of a home is $292,600.
  • There is a home in Rockport built entirely of newspaper.

Depending on where your home is located and what you have, your basic insurance policy may not be enough coverage for you and your possessions. Take a look at some specialty insurance policies you may want to consider for additional protection:

  • Earthquake or Flood policies
  • Animal Liability (liability issues due to household pets)
  • Valuable Articles/Floater policies

For even more coverage, you may be interested in an Umbrella policy.  This type of additional liability coverage will protect you if your liability were ever to exceed your limit.  Umbrella policies are more affordable than you may think, so don’t hesitate to ask an agent for the coverage you need.

We understand that the cost of insuring your home can seem high, but our agents are committed to getting you coverage at an affordable price. Ask our agents about discounts that you may be eligible for! Here are some discounts to keep in mind you may be eligible for, depending on the individual and the company:

  • Loss Free Credit
  • New Roof Discount
  • Non Smokers Discount
  • New Home Discount
  • Paid in Full Discount
  • Multi-Policy Discount
  • New Buyer Discount
  • Safe Home Discount
  • Protective Device Discount
  • eDocument Delivery Discount
  • Early Shopper Discount
  • Advanced Issue Discount
  • Hurricane Loss Mitigation Discount

To save even more money, ask our agents about combining your auto or condo insurance policies with your homeowner’s policy.  Our agents will make sure that you get the coverage you need on all of your important possessions, while trying to save you money in the process.

Aside from the basic discounts, our agents can also help you get value-added coverage that can help lower your rates:

  • Personal Property Replacement Cost
  • Guaranteed Building Replacement Coverage
  • Ordinance or Law Coverage
  • Identity Fraud Expense Coverage
  • Personal Injury Protection
  • Food Spoilage Coverage
  • Water Back-up and Sump Pump Overflow
  • Lock Replacement

For the most accurate insurance quote, there are a couple of things you should know when calling one of our agents. It’s helpful if you can provide them with the year the house was built, details of any losses in the last six years, and any updates to the plumbing, electrical systems, heating, and the roof. That information will get you one step closer to a great, affordable insurance quote with us!

Our knowledgeable agents can also answer any questions you may have about getting the right coverage for your RV or Boat as well.  They work hard to get you the best deals on all of your important possessions, while providing you with awesome coverage.

Call Encharter Insurance today at 888.754.8299 for a home insurance quote or use our online form and contact us today. Our agents will be happy to design a policy that’s right for you!


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