Homeowner Insurance

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Homeowner Insurance

Whether you own a house, condo, town home or apartment, your home is probably your most valuable asset. A home represents a significant investment, but it is much more than that. Hopefully, your home is a safe place for you and your family to relax and enjoy one another’s company. Your home is also where you keep many of your belongings. These are some of the reasons that the agents at Everett B. Rich Agency take pride in offering customizable homeowners policies.

Coverage Options

Your homeowners policy can be written in many different ways. Some of our customers choose policies with high deductibles and lower premium rates. Other prefer lower deductibles so they can better afford to rebuild or replace things following a covered loss. Likewise, some customers carry low limits while others extend coverage limits or take out additional policies to cover possible losses. Our agents will be happy to help you determine what coverage is right for you.

In addition to these options, you can choose from specific types of coverage to be included in your home insurance policy. Commonly, homeowners insurance includes

  • Dwelling coverage to repair or rebuild a home following a covered event
  • Personal liability coverage to protect your assets if you or a family member living in your home is held liable for damage to another person or their belongings
  • Medical coverage to pay for the treatment of a guest injured in your home
  • Additional living expenses in case your home is declared uninhabitable due to a covered event
  • Property coverage to insure your belongings against loss, damage or theft
  • Scheduled personal property coverage to cover valuable or irreplaceable items such as family heirlooms, collectibles, sports equipment and musical instruments both at home and away

Specialized Coverage

Everett B. Rich Agency doesn’t believe in a one-size-fits-all policy for any type of insurance. Although standard coverage and standard exceptions apply to homeowners policies, we write policies to accommodate our customers whenever possible. We provide specialized homeowners insurance such as

  • Coverage for rental properties
  • Vacant dwelling coverage
  • Second home coverage
  • Coverage for other special situations

You can learn more by getting your free online quote today. If you have special insurance needs or questions about your existing policy, call us for more information.

Lyme Center Homeowner insurance

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