Home Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Here at Kalivas Insurance Agency, we recognize the importance of protecting your home, and those who live within it, with dependable Massachusetts homeowners insurance.
A homeowners insurance policy usually covers four incidents on the insured property – interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. We are dedicated to helping you each and every step of the way, and are here to guide you through this essential policy decision. In order to secure you the most appropriate home insurance strategy possible, it is important that we take the time to accurately recognize your individual insurance needs—because let’s face it, every home and Massachusetts homeowner is unique.
As one of Massachusetts’ premier independent insurance agencies, we have the ability to shop multiple carriers, resulting in high-quality MA home insurance at the most competitive rates—no matter where you are located across the state, we’re here to help you protect what matters most!
Typical coverage packages for homeowners insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expense (in the event of covered loss or a natural disaster)
- Personal Liability
Questioning the need for enhanced security? Need increased coverage, for unique exposures vulnerable within your average Massachusetts homeowner’s insurance policy? Don’t hesitate to ask one of our expert insurance professionals about further endorsements you can purchase to strengthen your homeowners insurance! Massachusetts clients can benefit from additional coverage options, which may include:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
At Kalivas Insurance Agency, we know what may work for one Massachusetts homeowner, won’t necessarily work for you. We aim to create custom, elite Massachusetts homeowners insurance packages that reflect the distinct needs of you, your family and your specific home.
Give us a call today, to learn more about our inclusive Massachusetts home insurance coverage. One of our skilled insurance professionals would be happy to provide you with a thorough coverage review as well as offer you a free Massachusetts homeowner’s insurance quote!
What should I do after buying a new home?
After purchasing a home, one of the first things you should do is secure homeowners insurance before closing. A policy helps protect your investment from covered losses and may be required by your mortgage lender. If you’ve recently purchased a home in Arlington, Massachusetts, our team can help you find the right coverage for your new home.
Does homeowners insurance cover smoke damage?
Yes, homeowners insurance often covers smoke damage if it’s caused by a covered event, such as a house fire. Coverage may help pay to repair your home and clean or replace damaged belongings, depending on your policy.
What is a homeowners insurance policy limit?
A policy limit is the maximum amount your insurance company will pay for a covered claim. Different parts of your policy, such as dwelling, personal property, and liability coverage, each have their own limits. If you’re unsure whether your current limits are adequate, we’re happy to review your coverage with you.
Are home offices covered by homeowners insurance?
A standard homeowners insurance policy may provide limited coverage for business property kept at home. If you operate a business from your home, you may need additional insurance to fully protect your equipment and business-related liability.
Does homeowners insurance cover damage from falling trees?
Homeowners insurance generally covers damage caused by a falling tree if the tree falls because of a covered peril, such as a windstorm or lightning. Your policy may also help pay for debris removal in certain situations. Coverage can vary, so homeowners in Massachusetts Ave, Arlington, MA should review their policy for details.
Can I change my homeowners insurance coverage at any time?
Yes. You can usually update your homeowners insurance policy whenever your coverage needs change. Whether you’ve completed renovations, purchased valuable items, or simply want different coverage, homeowners in Massachusetts can contact our agency to discuss their options.
What is liability protection in homeowners insurance?
Liability protection helps cover costs if you’re legally responsible for someone else’s injuries or property damage. It may also help pay for legal expenses if you’re sued because of a covered incident that occurs on or off your property.
Does homeowners insurance cover accidental damage?
Homeowners insurance may cover certain types of accidental damage if it’s caused by a covered peril. However, damage resulting from neglect, routine maintenance issues, or normal wear and tear is generally not covered.
Why is it important to inventory my belongings?
Creating a home inventory can make the claims process easier if your belongings are damaged or stolen. Keeping a list of valuable items, along with photos and receipts, can help document your losses after a covered claim.
How do I choose the right homeowners insurance policy?
The right homeowners insurance policy depends on your home’s value, your belongings, your liability needs, and your budget. If you’re looking for homeowners insurance in Massachusetts, we’re here to help you compare your options and choose coverage that fits your needs.
Contact us today to learn more about insuring your new venture or to review your existing policy.
Kalivas Insurance Agency
635 Massachusetts Ave
PO Box 148
Arlington, MA 02476
Fax: (781) 648-5633
Licensed to write policies in MA & NH
HOURS
Monday-Friday:
9:00 am - 5:00 pm
Weekends & Evenings:
By Appointment
