Protecting your home is about more than just bricks and mortar—it’s securing your peace of mind. At The O’Brien Agency, located in Canton and proudly serving the greater Boston region and Norfolk County, we specialize in custom home insurance solutions designed for Massachusetts homeowners.
🏠 What Does a Standard Policy Cover?
A typical homeowners policy in Massachusetts includes:
-
Dwelling coverage for repairing or rebuilding your home after fires, windstorms, snow damage or burst pipes.
-
Other structures, such as detached garages, fences, and sheds.
-
Personal property protection for belongings inside and outside, from furniture to electronics.
-
Loss of use to help with temporary housing and expenses if your home becomes uninhabitable.
-
Liability and medical payments if someone is injured on your property or causes damage to others.
Why Boston-Area Coverage is Unique
Massachusetts faces severe winters and Nor’easters—policies typically cover storm damage like heavy snow, wind, collapsed roofs, and frozen pipes, provided homeowners take reasonable precautions. Living near Boston also means higher rebuild costs—dwelling coverage should reflect full replacement cost, not market value.
Customizable Add-Ons
-
Flood insurance: Vital for coastal and flood-prone zones, as standard policies exclude flood-related damage.
-
Water backup or sump pump coverage: Protects against damage from sewer backups or failed sump pumps.
-
Liquid fuel rider: Covers damage from heating-oil tank leaks—required to be offered in MA. Without it, homeowners can face cleanup costs in the hundreds of thousands.
-
Umbrella policies: Extra liability protection for high-net-worth households seeking broader coverage.
Smart Savings & Discounts
Bundle your home and auto policies to save 5–25%. Installing security systems, smoke alarms, and deadbolts can also reduce premiums. Plus, higher deductibles can lower costs—just ensure you can comfortably cover them in a loss.
Whether you’re searching for standard coverage or need guidance with advanced options, The O’Brien Agency is here to tailor a policy that suits your unique needs in the Boston area. Contact our experienced agents today to get the protection—and savings—you deserve.