HOME INSURANCE

Protect Yourself With Personalized Homeowners Insurance Coverage in the Dartmouth, MA Area

Whether you’re a homeowner, renter or landlord, your property is your own personal slice of the world—make sure it’s protected. Property insurance covers a wide array of damages and losses, and it comes in handy more often that you’d expect; according to the Insurance Information Institute, about 1 in every 17 insured homes experienced a claim in 2016 alone. Southcoast Insurance Group is an independent home insurance agency that can provide you with a personalized solution that meets your unique needs. Our home insurance company assists clients with homeowners insurance in the Dartmouth, MA area.

There are Seven Components to a Home Insurance Policy

Dwelling 

Dwelling coverage protects the structure of your home. From the foundation to the walls, roofing, and interior flooring, fixtures, and more. 

 

Separate Structures 

Coverage that protects structures that are not attached to your main home. This could include garages, guest house, fences, walls, swimming pool, sheds, and more. 

 

Personal Liability 

Coverage that protects you if you cause injury or property damage to a third party. An example would be if someone slips and falls at your home and you are sued. 

 

Deductible 

The deductible is the amount you are responsible for if a home insurance claim occurs. For example, if you have a kitchen fire and your deductible is $5,000, you would be responsible for the first $5,000 and the insurance company would pay the damages after that. 

 

Personal Property 

Coverage that protects all of your “Stuff” such as furniture, clothing, and personal property. Most home insurance policies exclude coverage for certain types of items such as jewelry, artwork, collections, silverware, gold, cash, securities, guns, and more. 

 

Loss of Use 

Coverage that pays for you to live in a hotel or rent another home if your home is damaged by a covered peril, such as a fire. 

 

Guest Medical 

Coverage that would pay medical bills if a visitor to your home is injured on your property, regardless of who was at fault. This coverage is usually capped at $5,000 or $10,000. 

Put Your Trust in Our Home Insurance Agency

 Learn more about homeowners insurance, flood insurance, mortgage insurance, and how our agency can help by calling today!

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