Whether you live in a home or an apartment, homeowners insurance can protect your valuables. A homeowners policy can provide funds to replace any assets that were destroyed in a disaster or fire. If someone were to be injured in your home or apartment, a homeowners policy can protect you from a potential lawsuit.
The cost and quality of a homeowners policy are determined by a few different factors. The cost can be determined by rating factors while the quality depends on which the policy is written under. If the policy is under a named perils, it will only cover those within the contract. If the policy is written under a comprehensive basis, it is broader and burden of proof falls on the carrier and not the holder.
Damages that are EXCLUDED from your standard homeowner policy:
- Water Backup/Sump Overflow
Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage. Umbrella policies are also available. Please call us for more details about any of these options.
Ribeiro DeSousa Insurance
1092 Cambridge Street
Cambridge, MA 02139
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