Ambrose & Grant Insurance Agency, Inc. recognizes the importance of protecting your home, and those who live within it, with dependable homeowners insurance.
Our agency offers these policies to the state of Massachusetts:
- Homeowner’s Insurance
- Renter’s Insurance
- Condo Insurance
We are dedicated to helping you every step of the way and are here to guide you through this essential policy decision. We will take the time to develop an appropriate home insurance strategy for 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 insurance carriers, resulting in high-quality MA home insurance at competitive rates—no matter where you are located across the state—we’re here to help you protect what matters most!
Insurance Coverage for the structure of your home
This pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning, or other disaster listed in your policy. This part of your policy will not pay for damage caused by a flood, earthquake, or routine wear and tear.
Coverage for your personal belongings
Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane, or another insured disaster. Expensive items like jewelry, furs, and silverware are covered, but there are usually dollar limits if they are stolen. Generally, you are covered for between $1,000 to $2,000 for all of your jewelry and furs. You may want to consider adding an endorsement to your policy to protect more expensive items.
Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. The liability portion of your policy pays for both the cost of defending you in court and any court awards. It covers up to the limit of your policy. You are also covered not just in your home, but anywhere.
Additional living expenses
This type of homeowner’s insurance coverage pays the additional costs of living away from home if you can’t live there due to damage from a fire, storm, or another insured disaster. It covers hotel bills, restaurant meals, and other living expenses incurred while your home is being rebuilt.
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 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 Ambrose & Grant Insurance Agency, Inc., we know what may work for one Massachusetts homeowner, won’t necessarily work for you. We aim to create custom, elite homeowners insurance packages that reflect the distinct needs of you, your family, and your specific home.
Renters and Condo Insurance:
In Massachusetts, renter’s insurance covers your personal possessions if you rent a house or apartment. Also known as apartment insurance, renter’s insurance includes coverage of your personal property and also includes liability coverage, should someone or something suffer injury or damage due to your fault. Without a renter’s insurance policy, you could be left without anything in the event of a fire or burglary.
Renter’s insurance costs less than you may think, with coverage typically costing less than $150 depending on your circumstances.
Insurance for condos is often overlooked, as some condo owners believe they are covered under the Condo association’s insurance. However, these policies only offer coverage for the building’s structure and complex grounds. To cover your Massachusetts condominium from damage, theft, fire, and vandalism, you should consider condo insurance. This policy also provides personal liability coverage, to protect you from a lawsuit in the event someone is hurt in your unit.
Typical Condo insurance policies can include coverage for the following:
- Full replacement coverage if your unit is destroyed beyond repair
- Protection from damages from plumbing, vandalism, malicious mischief, sewer and drain backup, and other causes
- Coverage for liability exposures and medical expenses if someone is injured on your property
- Coverage for expenses incurred if you are unable to live in your home due to a covered claim
GET IN TOUCH
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 today!
9:00am - 4:30pm
Friday: 9:00am - 3:00pm
Licensed to write policies in Massachusetts
We protect what matters most.
Ambrose & Grant in Norwood, MA offers protection for your home, automobile and business. We work with our clients to find the best fit for their coverage.