Need Home Owners Insurance and live in Gardner, Massachusetts?
We will help with all your insurance needs.

How can I prove what items I have in my home if anything every happens?

We recommend that you video tape the contents of your home. It is important to store a copy of that tape off site.

What does the Identity Theft endorsement cover?

This covers the cost (up to the policy limit) of repairing your credit and a good name. It doesn't cover the actual fraudulent debt.

Is flood covered on my policy?

No, flood insurance is separate from a home owners' policy. Although, some water damage is covered under your home owners' policy. Please call for details for Massachusetts.

Is it important that I let my insurance company know when I refinance my house?

YES! Finance companies require proof of insurance & we their address on-file. Also, if a claim is filed, the check will be in your old finance companies name and un-cashable.

What needs to be scheduled on my Home Owners' Insurance for proper coverage?

This depends on server factors. As general rule the following should be discuss with your agent:

• Special collections (Hummels, Fine Crystal, memorabilia, etc)
• Jewelry, usually over $1000 in value
• Furs
• Antiques
• Fine Arts
• Guns
• Stamp & Coin Collections

My home was just appraised for $500,000, why is my insurance coverage only $300,000?

Your home owners' policy only covers the replacement of your house. Land does not need coverage as it is not destroyed during a loss event (fire, hurricane, etc.).

What is an Umbrella Policy?

From WikiPedia it is defined as: "Umbrella insurance" refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies.^[1] Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.

Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim."