Homeowners Insurance

Coverage for houses, condos, and renters

If you live in Massachusetts, you already know how unpredictable the weather can be. From snow storms to flooding, no home is safe from the elements in New England. WebFirst Insurance, LLC offers home owners insurance that covers your home and helps give you peace of mind. WebFirst Insurance, LLC offers competitive quotes on insurance as well as fast and reliable customer service.

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What is homeowners insurance?

Homeowners insurance is a contract between you and your insurance company that protects you against financial loss in the event of an accident or disaster involving your home.

Types of homes we cover

Houses

Condos

Rented Apartments

What is covered under a homeowners insurance policy?

Standard homeowners insurance policies insure your house and your belongings in the event of a destructive event. Destructive events covered in a standard homeowners policy include:

Fire or lightning

Windstorm or hail

Explosion

Damage caused by aircraft or vehicles

Smoke

Vandalism and theft

There are four major events not covered, but that can be purchased as separate insurance to complement your homeowner’s policy. These are: floods, earthquakes, maintenance damage, and sewer backup.

Liability protection

Homeowners insurance policies not only provide coverage for your home, but also liability protection, or legal protection, against lawsuits for bodily injury or property damage that you or your family members cause to other people. This protection also pays for damage caused by your pets.

Condo and renters insurance

Condo and renter’s insurance typically covers your belongings, liability, and certain parts of the interior structure as defined by the by-laws or proprietary lease.

Additional living expenses

In the event of a disaster or accident displacing you from your home, homeowners insurance also covers your temporary relocation costs while repairs are underway. Additional Living Expenses covers hotel bills, restaurant meals, and other costs that are above your usual living expenses. This coverage has limits; the limits can be both time and budget constrained. Once you go over the amount given or the time allotted in your Additional Living Expenses coverage, your costs come out-of-pocket. However, this coverage is completely separate from the amount available to rebuild or repair your home; you are still covered to repair your home, up to the policy limit.

Terms you should know

Premium

the amount of money you pay for your insurance policy

Deductible

the out-of-pocket expense that you are required to pay before your insurer will cover your claim

Rate

the cost of your unit of insurance

Adjuster

a representative of your insurance company who investigates your insurance claim. After investigating the claim, they’ll work with you to determine the amount you’ll be paid

Binder

a temporary agreement declaring that the policy is in effect. Used to prove to your lender that you have homeowner’s insurance when it’s not possible to issue a policy immediately

Depreciation

decrease in the value of your home, due to wear and tear or becoming obsolete

Escrow

a third party service that holds your money until the money is ready to be released

Market value

what your home would sell for in the current market

Negligence

when a person doesn’t exercise reasonable care in a given situation

Personal property

refers to property such as clothes, furniture, and other items you own that are not buildings

Term

the amount of time for which a policy is written. For homeowner’s insurance, the term is typically 12 months

Homeowners insurance add-ons

Homeowners insurance has many add-ons that can give you extra protection. A few of the homeowners insurance add-ons are: swimming pool coverage, equipment breakdown coverage, and water backup.

Contact an Agent for more information

One of our trusted agents will be with you as soon as possible.

What happens when you call WebFirst Insurance and get a quote?

Here’s a breakdown of the process, from your initial call to purchasing a policy.

1
You request a quote.

You will be asked to provide the basic required information for a quote to one of our insurance agents. This information would be your name, address of the property to be insured, and any liabilities the property has (pets, wood stoves, swimming pool, etc). We will reach out directly for more information once you request a quote.

2
Verifying coverages.

We will verify your needs for your insurance policy. This is so that we can provide you with the best insurance in Massachusetts that caters to your needs.

3
We write up a quote.

Based on the information that you provide to our agents, we will write up a quote for you, and contact you with several differently priced options, to see what fits your budget. We work with many carriers, so finding you the right coverage at the most affordable price is the name of our game.

4
Signing the contract.

If you like the terms and the price, the insurance agent sends over an application. The customer fills out the application, and sends in a down payment on the policy.

About our homeowners insurance coverage

By representing different insurance companies WebFirst Insurance, LLC can shop for the most affordable insurance plan. Our exclusive Rating system can deliver a rate comparison in a matter of minutes. Selecting to cover both your auto insurance and homeowners insurance through WebFirst Insurance, LLC can deliver discounts of up to 20%. Our experienced agents will work with you to explain coverage options, and make sure you’re receiving the best homeowners insurance in Massachusetts for your money.