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Do I Need Boat Insurance for My Small Boat?

Many insurance companies in Massachusetts offer boat insurance policies, which are similar to auto policies that have been adapted for personal watercraft and boats. Whether residents who own small boats need one of these boat-specific policies depends on several factors, not the least of which is what protections their other insurance policies provide. It’s often wise to get a boat policy even if the watercraft being insured is small, but there are a few scenarios where this type of insurance may be unnecessary.

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Does My Homeowners Insurance Cover Me If I Rent Out My Home?

Short-term rentals give homeowners a relatively easy way to generate extra income, and they’re becoming more and more popular thanks to home-sharing sites that connect homeowners and guests from around the world. Before renting out your Montgomery, Massachusetts home for a weekend or week, though, first check your homeowners insurance policy. Without the proper coverage, a short-term rental could cost you if something goes wrong.

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Is a Homeowners Insurance Policy Right for a Duplex in Chester, MA?

Insuring a duplex is a little more complicated than insuring either your home or a rental property. If you own a duplex in Chester, Massachusetts, whether you need landlords or homeowners insurance will depend on the particulars of your situation. Here are four common scenarios, and the type of insurance that’s usually appropriate for each scenario. (There are exceptions to the insurance guidelines listed below, so you should check with an insurance agent to see what your specific situation calls for).

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Your Russell Homeowners Insurance Lapsed? Contact Your Mortgage Company

Mortgage underwriters usually require homeowners to maintain a homeowners insurance policy.  Sometimes, however, homeowners let their insurance coverage lapse. If you’ve let the homeowners policy that insures your Russell, MA home lapse, your mortgage company may have gone ahead and purchased insurance for your house without you realizing they did so.

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2 Questions to Ask Your Otis Homeowners Insurance Agent

When comparing quotes on homeowners insurance, most of the time is usually spent examining coverages, checking limits, reading through conditions and looking up premiums. If you're searching for a new homeowner policy, many of the discussions you have with your insurance agent will be related to these items, and they should be. After all, your policy’s coverages, limits and conditions determine how well you’re protected, and its premiums are how much you pay. These items, however, aren’t all you should ask your Otis insurance agent about when looking for a homeowners policy. Here are two other questions that you ought to ask before selecting a homeowners policy.

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Does Your Homeowners Insurance Policy Fully Cover Your Granville Home?

One of the main coverages that homeowners insurance policies provide is coverage for the policyholder’s house. If you’re a homeowner, your homeowners policy should provide enough coverage to let you rebuild your entire house. Some homeowners in Granville, Massachusetts, however, have policies with limits that are lower than the price it would cost to rebuild their home.

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Is Homeowners Insurance Needed If I Don't Have a Mortgage in Huntington?

Undoubtedly, the goal of many homeowners in Huntington is to pay off their home once and for all. Once you have fully paid off a home, not only do you not have to worry about the threat of foreclosure in the event financial disaster strikes, but you also won't have to spend a few hundred or thousand dollars every month on a mortgage. Now that you don't have a mortgage, you may be looking for more ways to cut costs. Here is some information about whether you need homeowners insurance if you don't have a mortgage.

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What Happens When You Make a Homeowners Insurance Claim in Southampton?

Making and processing a homeowners insurance claim might seem stressful and time consuming, especially if there is major damage to your home, but it can actually be broken down into a few basic steps. For homeowners in Southampton, MA, state and federal law make the process relatively straightforward, depending on your coverage limits and the specific details of your policy.

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Homeowners Insurance in Westfield: How To Document Your Belongings

Insurance companies often do everything they can to make the process of filing a claim as simple as possible for homeowners. They are not the only party that can make an insurance claim easier to file, though. Homeowners can also take steps to make filing a claim simpler and easier. If you own a home in Westfield, Massachusetts, you can document what’s in it so that a list of your possessions is available if you ever need to file a claim against your homeowners insurance. Doing this is relatively easy.

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