Durkin & DeVries Insurance Providing Homeowners Insurance in Boston, Massachusetts. Homeowners Insurance Basics

Condominium Insurance Policy Basics Apartment Insurance Policy Basics

Homeowners Insurance Basics

The following is a summary of a standard homeowners policy:

Dwelling (Coverage A)	This portion of the policy covers the house itself.
Other Structures (Coverage B)	This portion of the policy covers structures such as a garage or shed.
Personal Property (Coverage C)	This portion of the policy covers your personal belongings such as tv's, stereos, furniture, and clothing
Loss Of Use (Coverage D)	This portion of the policy covers you in case you had a house fire and need to live in a hotel and eat meals in a restaurant.
Personal Liability (Coverage E)	This portion of the policy covers you in case you were found negligent for someone slipping and falling on your property.
Medical Payments (Coverage F)	This portion of the policy will pay medical expenses for someone getting injured on your property.

The following is a list of common perils a Homeowner policy covers:

Theft
Fire
Lightening
Hail
Explosions
Falling Objects

Earthquakes and floods are not covered under a standard homeowners policy. You can add earthquake coverage to your homeowners policy by endorsement. Flood insurance is a separate policy written through the National Flood Insurance Plan. We can obtain a flood insurance policy if you are interested.

The above description is only a brief explanation of homeowners insurance coverage. It is a good idea to go through an analysis of your own personal situation with one of our personal lines agents. One of our agents will be able to tailor a policy to meet your needs.

Contact us for more information or fill out our online Home Insurance quote form.