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If you own a home or a condominium, or rent an apartment, chances are you have homeowner insurance. Homeowner insurance protects your home for a wide range of potential losses. If your home qualifies and you insure it for 100% of its value, for no extra charge you'll receive the full cost to repair or rebuild your home after a covered loss even if the cost is more than the limits you buy. Ask for guaranteed or extended replacement cost.
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Worldwide Coverage for Your Belongings
With a homeowner policy, your belongings are covered while anywhere in the world. Add replacement cost, and you will be paid the total cost in today's market to repair or replace your belongings after a covered loss with no deduction for age or wear and tear. You can add scheuled personal property coverage for especially valuable items such as jewelry, watches, or silverware.
And if a covered loss makes it impossible to live in your home, a homeowner policy pays the necessary extra living expenses to stay elsewhere and eat out until the repairs are done!
Personal Liability Coverage Against Law Suits
A homeowner policy provides personal liability coverage which protects you against lawsuits. What if your errant golf ball beans someone and causes serious injury? What if someone is injured in your swimming pool? We recommend $500,000 or $1,000,000 personal liability coverage. In addition, a homeowner policy pays unlimited legal expenses even if someone sues you falsely or frivolously.
Call 978-352-8000 today, use our online quote forms or email us for more information. And check our additional resource articles below as well as our links on How to Prevent a Claim and Important Info About Your Policy!
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We have credits for new
homes, alarm systems, and non-smokers. Older home but modernized? We can save you $. We offer loss-free credits and renewal credits.

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Insure your auto & home with the same company, and get up to a 15% credit on your homeowner insurance and 10% on auto insurance in NH!
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Flood insurance is not covered by your homeowner policy.
Visit floodsmart.gov
for helpful info.
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We've compiled several informative articles from the Insurance Information Institute about Home Insurance to help answer questions, prevent problems and lower your costs. Select from the drop-down menu to view each article.
"Disaster at Your Doorstep," Kiplinger's, July 2003 requires Acrobat Reader, download time depends on your connection speed.
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