A home can be one of a family’s most valuable assets - usually its biggest purchase.

Choosing the right homeowner’s coverage can help you recover conveniently and quickly from a disaster such as a fire, accident, flood, or storm. Homeowner’s insurance policies often cover home repairs, damage or theft to furniture, fixtures, personal property, and provide additional living expense and liability protection against third party claims for someone injured on your property - from a slip and fall, to a dog bite or an errant golf ball you hit at the golf course. 

Homeowner insurance policies are used to protect owners of residents, condominiums, second homes, vacation and rental properties or a tenant resident through renter’s insurance. 

Some homeowners living in flood prone areas may need to obtain flood insurance to protect against that hazard. Navigating the government’s National Flood Insurance Program (NFIP) can be complicated. It’s a process involving grandfathering rules, elevation certificates, distance to the coast and FEMA flood maps. Flood insurance is a Murray & MacDonald area of professional expertise; we help Massachusetts coastal homeowners explore their coverage options every day. Other considerations include earthquake, sinkhole or earth movement exposures. 

Regardless of your insurance needs, Murray & MacDonald Insurance Services can help manage your risk with the right homeowners insurance plans, mitigation strategies and a comprehensive review of your coverage needs. Complete the form below and one of our homeowners insurance advisor will be in touch: