Seguro de viviendas en Massachusetts

Getting the Right Home Insurance in Massachusetts

Seguro de viviendas en MassachusettsLiving in Massachusetts means you get to enjoy warm summers and colorful falls. But, the Bay State can also see its share of harsh winters with frigid temperatures and heavy snowfall. In fact, a March 2019 snow storm covered some cities and towns with over a foot of snow.2 With cold temperatures making frozen pipes a possibility, it’s important you help protect your home with Massachusetts seguro de viviendas.

What Does MA Home Insurance Cover?

Your MA home insurance helps protect your home and personal property from various risks, such as:
  • Incendio
  • Relámpagos
  • Robo
Home Insurance MassachusettsIt helps cover your repair or replacement costs if your home or property gets damaged in a covered loss. Without home insurance coverage, you’d have to pay out of pocket to fix or replace your property.
Home insurance policies vary between insurance companies. With our Massachusetts homeowners insurance policy, you’ll get these coverages:
Dwelling: Helps protect your home and the structures directly attached to it, such as your floors or attached garage.
Other structures: Helps cover property not attached to your house, like your detached garage, shed or fence.
Propiedad personal: Helps protect your belongings, including furniture, appliances and clothing. If you have valuables, like jewelry or rare items, you can purchase additional coverage to protect them.
Loss of use: This can help cover your living expenses up to your policy limits if you can’t live in your home due to a covered loss.
Responsabilidad: Helps pay your legal costs if someone files a liability claim against you. It can also help cover court judgments or losses, up to your policy limits.
Medical payments: If someone gets hurt on your property, this can help cover their treatment costs.

How Much Does MA Homeowners Insurance Cost?

According to the Insurance Information Institute, the average MA homeowners insurance rate in 2017 was $1,488. Your specific cost for home insurance in Massachusetts depends on several factors, such as:
  • Lugar
  • Building costs in your area
  • Size of your house
  • Likelihood of disasters, such as tornadoes
  • Policy details
Home insurance companies look at these factors when determining your insurance premium. If your home is near the coast, you may pay a higher rate because there’s a higher exposure to hurricanes.
Damages from floods aren’t covered by your homeowners policy, however. So, you’ll want to add flood insurance to protect yourself, which can increase your total MA home insurance cost.
For home insurance, Massachusetts residents may be able to save money through different discounts. For example, you may be eligible for a discount if you install devices to make your home safer, like burglar alarms.

Extra Coverage for MA Homeowners Insurance Policies

Every homeowner is different, so you may need to add more coverage to your Massachusetts homeowners insurance policy. Fortunately, it’s easy to get more protection with The Hartford.
We offer packages that bundle valuable coverages to further protect your home.
Home Advantage Package gives you extra protection above your base policy. It comes with:
  • “New for Old” Protectionto give you the actual cost to replace destroyed possessions with brand new ones of the same quality.
  • Personal injury liability coverage, which helps cover damages from a libel or slander claim.
  • Reimbursement for replacing locks if you lose your keys and need to install new locks.
  • Identity fraud expense coverage to help cover your out-of-pocket expenses up to $25,000 to assist in recovering after fraud or identity theft.
  • Home Advantage Plus Package includes every feature listed above and also adds:
    • Disappearing Property Deductible,‡‡ which reduces your deductible by $50 for every three years you go without having an insurance loss.
    • Homeowners equipment breakdown coverage to help cover your costs to repair or replace appliances and electronics. This does not help cover normal wear and tear.
    • Increased fraud expense coverage, which helps cover up to $50,000 of your out-of-pocket expenses after fraud or identity theft.

Get a Massachusetts Homeowners Insurance Quote From The Hartford

When you’re looking for Massachusetts homeowners insurance, you’ll want to work with an insurance company that’s experienced. At The Hartford, we’ve been doing this for centuries. Our team consistently receives high customer service ratings and can help you through the insurance claims process.* This means you’ll get expert help at every step of the way.
Obtenga una home insurance quote or call 888-413-8970 and speak with one of our specialists to learn how you can start protecting your home in the Bay State today.
Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. También hay disponible una póliza sin estos beneficios adicionales.
‡‡ Terms and conditions apply.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.