Best Homeowners Insurance Agencies in Worcester

Frequently Asked Questions

• Introduction

  Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.
  

  
  

  All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

  
  

  It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  

• Can your home insurance provider in Worcester inform you that your coverage won't be renewed?

  Yes. An insurer in Worcester is not compelled by Massachusetts law to draft or renew your policy. However, if your insurer makes the decision not to extend your policy, they are required to give you at least 45 days of advance notice before the policy expires. Your insurance provider is not required to give you a notice via certified mail. They must only send correspondence to the mailing address on your policy using first-class mail.

• If your home in Worcester has just been broken into but you don't have the sales receipts for the items that were taken, can you still file a claim with your homeowners insurance?

  Yes. Insurance companies in Worcester typically accept warranties, credit card receipts, owner's manuals, bills, cancelled checks, videotapes, pictures, and servicing agreements as proof of ownership of the stolen goods if the actual receipts are unavailable. Because of this, it is advised to think about doing an inventory or videotaping your residence before a loss occurs.

• In Worcester, what is the typical price for combined home and auto insurance?

  The average price of auto insurance plus house insurance in Worcester is $1,311. Remember that a variety of factors other than geography affect how much house and auto insurance costs. Therefore, when bundling house and auto insurance, make sure that you shop around and think carefully about all of your options.

• Does Worcester homeowners insurance cover internet libel?

  As long as you include personal injury in the scope of your policy, Worcester homes insurance does, in fact, cover online defamation. Legal costs associated with allegations of slander, libel, or defamation actions that may result from internet defamation would be covered by personal injury insurance. Beyond these situations, personal injury also includes wrongful entry, wrongful eviction, wrongful arrest, malicious prosecution, imprisonment or detention, and other related legal costs.

• Does my homeowner's insurance policy in Worcester cover pets?

  Yes. When someone is hurt on your land and files suit against you for liability, Worcester homeowners insurance personal liability coverage will protect you by paying for medical costs, any associated legal costs, and settlements. This coverage frequently covers situations where your pets harm someone or something. This holds true even when you're not on your property, such as in a park or a friend's home.

• What determines the price of homeowners insurance premium?

  The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.