Protect Yourself With Personalized Homeowners Insurance Coverage

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. We assist clients in the New Bedford, MA area.

There are Seven Components to a Home Insurance Policy


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 houses, fences, walls, swimming pools, 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. 


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. 

Home Insurance Agency in New Bedford, MA and the Surrounding Areas

We can get you the best rates on home insurance.
Our office has served thousands of Massachusetts residents with home insurance since 1975.
We represent the top insurance companies which allows us to match your specific needs with the proper insurance company.
Our office is located at a convenient location on Route 6 in Dartmouth.
We are here for you not only at the time of sale, but also in your time of need. If you have a claim, we are here to assist you, meet with you, and help advocate on your behalf.
We provide insurance for all types of homes: Primary and secondary residences, condos, rental properties, vacation homes, high value homes, high fire area homes, homes in Dartmouth, Fairhaven, New Bedford, Acushnet, Rochester, Mattapoisett, Marion, Fall River, Westport, and throughout Massachusetts.
If you are closing escrow on a home, we provide the fastest quotes and escrow turnaround.

Are You Overpaying For Your Home Insurance?

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Southcoast Insurance Group, Southcoast Insurance, Insurance, home insurance, life insurance, auto insurance

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