Your house is most likely your biggest investment. It can provide you with financial security. Inside its walls are possessions and valuables that make your house a home—and those items need protection as well.
A standard homeowners policy safeguards your home and possessions against:
Sudden and accidental damage from electrical current
Fire and lightning
Windstorms and hail
Weight of ice, snow or sleet
Accidental discharge of water or steam
Vandalism and malicious mischief
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To ensure you find the best homeowners insurance policy for you, work with the experts from Service First Insurance Agency. We have excellent relationships with A+ Rated carriers, many of whom are Massachusetts-based, and we can help you find the perfect coverage for your specific situation. Whether you own a home or a condo or you rent your property, we'll help you find which coverage will work best.
If you own a condo, the condo association usually insures the condo building, external features, and grounds. Condo unit owner insurance covers your personal property, and can also cover appliances and features inside the unit if required. This policy also gives you similar coverage as a homeowner's insurance policy.
The Insurance Information Institute (iii.org) states that 63% of renters do not have renters insurance. Renters insurance covers your personal property in the event of a disaster. Many tenants believe that their landlord's insurance policy will cover the damage to their belongings. Unfortunately, this is not the case. A landlord's insurance will only pay to repair the building itself, not the renter's things. For example, if a pipe breaks under the sink and floods the kitchen, your landlord would be responsible for repairing the pipe and any damage to the structure. As a tenant, you would be responsible for replacing your personal property. Another reason many people fail to purchase renters insurance is that they think it is too expensive. In fact, the average policy, depending on coverage is only $12 per month for $30,000 policy. Don't think you own $30,000 worth of stuff? Try adding up everything in your home including clothing, dishes, and furniture. How would you pay to replace these items? Where would you stay while the building is restored and rebuilt? That's where renters insurance comes in. It is our job to help walk you through the easy process of getting covered with a renters policy.