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Residential Homes

Home Insurance in Massachusetts

Simple, Local Protection for Your Home

What Is Home Insurance in Massachusetts?

Home insurance in Massachusetts is a policy that helps pay for repairs, replacements, or legal costs when covered events damage your home or personal property, or if someone is injured on your property.

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Most MA homeowners with a mortgage are required to carry home insurance, but even without a mortgage, it’s one of the best ways to protect your biggest investment.

What Does Home Insurance Cover in MA?

Couple Viewing House

1

Dwelling Coverage

Helps repair or rebuild your home if it’s damaged by covered events such as:

  • Fire or smoke

  • Windstorms and hail

  • Snow and ice damage

  • Vandalism

2

Personal Property Coverage

Helps replace personal belongings like:

  • Furniture and appliances

  • Clothing and electronics

  • Items stolen from your home or vehicle

3

Personal Liability Coverage

Helps cover medical bills and legal expenses if:

  • Someone is injured on your property

  • You are responsible for damage to someone else’s property

4

Additional Living Expenses

If a covered loss makes your home unlivable, this coverage may help pay for:

  • Temporary housing or hotel stays

  • Additional food and living costs

What Affects Auto Insurance Rates in Massachusetts?

Standard Massachusetts home insurance policies do not cover:

  • Flood damage (requires separate flood insurance)

  • Earthquake damage (optional coverage)

  • Normal wear and tear or poor maintenance
     

Homes in coastal or low-lying areas may need additional coverage options.

Why Choose ABC & LTC Insurance?

  • Local, independent Massachusetts insurance agency

  • Coverage tailored to MA weather and coastal risks

  • Access to multiple top-rated insurance carriers

  • Clear explanations with no pressure

  • Ongoing support before and after a claim
     

We focus on helping you understand your options—not confusing you with insurance jargon.

Serving Plymouth County & Nearby Massachusetts Communities

We proudly help homeowners in:
Marshfield, Plymouth, Duxbury, Scituate, Kingston, Pembroke, Hanson, Norwell, Rockland, and surrounding areas.

Buying a House

Get a Free Home Insurance Quote in Massachusetts

Protect your home with coverage you understand and trust.
Contact ABC & LTC Insurance today to request a free, no-obligation home insurance quote.

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