Bright Insurance Blog

As an experienced homeowner, you are well aware of how a typical Massachusetts homeowners insurance policy works. You understand that typical coverage includes: the structure of your home, replacement costs, personal possessions, additional living expense and personal liability. However, are you aware of the many special coverage options you have?

Here are just a few options that you can and should look into:

Valuable articles and floaters insurance. Many homeowners may have fine art, antiques, and expensive jewelry in their home…without the proper coverage! It is important to make sure your pricey valuables and sentimental pieces are fully covered with this additional policy.

Flood insurance. Any damages, costs or issues that arise due to a flood will be covered with this policy. Those who are without it will not be able to replace their losses as easily as they would have hoped.

Earthquake insurance. Like flood insurance, earthquake insurance will cover any damages that are caused by an unexpected tremor.

Umbrella insurance. This policy acts as a safety net or “umbrella” to your personal liability coverage. Once your personal liability coverage is exhausted, umbrella insurance will kick in to take care of any additional issues.

Animal liability. Any damages, issues or injuries that are caused by your pet will be covered under this policy. The last thing you need is an animal bite to set you back a few hundred or even thousand.

Being aware of these additional policies is sure to help you avoid coverage gaps or any confusion. Believe it or not, but many Americans do not realize that flood insurance is not a part of the basic coverage, and the same goes for earthquake and the others. It is important that you cover all the bases with your Massachusetts homeowners insurance policy- you will feel much more secure!