Own a Home? If Not, You Have Unique Insurance Needs!

If you live somewhere that is not a stand-alone home, you may have special insurance requirements! 

It is common knowledge that all homeowners should have a home insurance policy to protect themselves and the mortgage company or bank that hold the mortgage of the home. What our insurance agency wants to make sure that you know is that even non-homeowners need the right insurance!

If you rent your place of residence, the owner of the property you occupy is likely responsible for insuring the structure of your abode, but it is your responsibility to make sure that everything else is covered. This other necessary coverage can include:

• Loss or damage of property
• Liability and Lawsuit protection
• Additional living expenses if your property becomes uninhabitable

Another reason you may need specialty housing coverage is if you own a townhome or condominium. While your condo association likely covers the upkeep of common areas and your building's upkeep, you are responsible for damages to your personal property, and for protecting against liability.

Thankfully, most independent insurance agencies can help you get covered with renter's insurance and condo insurance policies!  Most independent insurance agents are practiced in getting Massachusetts residents with apartments, condominiums, and townhomes the right coverage at the right price.

Call your local independent insurance agent  today to see how they can help you!