Homeowners Insurance in Massachusetts

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What is Homeowners Insurance?

Home insurance policies are “package policies” that include several different insurance coverages in a single policy. There are three main coverages that almost all homeowners policies include:

  • Dwelling Coverage, for the primary structure on a policyholder’s property
  • Liability Coverage, for certain types of lawsuits that accuse the policyholder of causing injury or damage
  • Personal Property Coverage, for the belongings that the policyholder owns

It is very important to note that most homeowners policies do not include flood insurance coverage. Flood coverage can be obtained separately and is often bought in conjunction with a home policy.

Replacement Cost Coverage vs. Actual Cost Value

Most policies can be customized to have Replacement Cost Coverage, which works to repair or replace your compromised possessions without taking into account depreciation of value, or Actual Cash Value coverage, which will work to repair or replace your compromised possessions according to the current-day value of the item, minus depreciation.

What Coverages are Included in a Home Insurance Policy?

We will help you customize a policy to your needs. Let us help you analyze your risk to get the coverage that fits your. Some other coverages that certain policies may offer are:

  • Other Structures Coverage, for secondary structures, like sheds, fences and detached garages
  • Valuable Articles Coverage, for valuable items in your possession that may exceed typical coverage limits
  • Loss of Use Coverage, in case a property is uninhabitable due to a covered claim
  • Ordinance or Law Coverage, to provide coverage in the case that local law enforcement requires an upgrade to a building in order to meet the set standard

Exact coverage definitions can differ, so it’s important to read a policy’s coverage terms and conditions carefully to know exactly what its coverages include.

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What Coverages are Typically Not Included in a Homeowners Policy?

The following types of coverage can usually be made available to homeowners seeking to customize a policy, but they are not normally included by default. We recommend that you inquire about these coverges when speaking to your agent to see if it would be appropriate to add on to your plan.

  • Flood Coverage
  • Earthquake Coverage
  • Vacant Property Coverage
  • Disaster Coverage
Homeowners Insurance Massachusetts

Are There Different Kinds of Homeowners Insurance Policies?

Home insurance policies can be separated into “named perils” policies and “open perils” policies.

Named perils only provide coverage for the risks specifically mentioned within their paperwork. The list of perils may be basic and include just a few potential risks, or it may be robust and cover dozens of possible incidents. Even the broadest named perils policies, however, only cover the risks that are mentioned.

Open perils policies typically cover all potential risks that aren’t explicitly excluded in the policy’s paperwork. Most open perils policies only have a few exclusions, such as for earthquakes, floods, wars, and nuclear incidents. Because anything that’s not mentioned as an exclusion is usually covered, these policies usually provide more comprehensive coverage than named perils policies.

Who Should Have Homeowners Insurance?

Almost all homeowners in Massachusetts should have homeowners insurance. Homeowners who have a mortgage on their house are usually required by their mortgage holder to maintain insurance coverage for their home. Even homeowners who don’t have a mortgage, however, still should have an insurance policy.

After all, few homeowners could afford to build or buy a different house with cash if theirs was damaged or destroyed. Homeowners policies can help homeowners financially recover from covered claims.

Homeowners Insurance Massachusetts
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How Can Homeowners in Massachusetts Get Home Insurance?

For help finding Homeowners insurance in Massachusetts, contact the independent insurance agents at Scotti Insurance Agency. Our agents can request architect policies from multiple insurance companies in the state on your behalf, and they have the expertise needed to help you determine which one is best for your situation.


For quotes or questions, reach out to the experts at Scotti Insurance Agency. We’ll be happy to assist you!

Scotti Insurance Agency

Scotti Insurance Agency

19 Mount Vernon Street
Winchester, MA 01890