Home Insurance
Protect Yourself with Personalized Homeowners Insurance Coverage in the Dartmouth, MA Area
Whether you’re a homeowner, renter, or landlord, your property is your own personal slice of the world—so make sure it’s protected. Property insurance covers a wide array of damages and losses, and it comes in handy more often than you’d expect; according to the Insurance Information Institute, about 1 in every 17 insured homes experienced a claim in 2016 alone. SouthCoast Insurance Group is an independent home insurance agency that can provide you with a personalized solution that meets your unique needs. Our team assists clients with homeowners insurance, mortgage insurance, flood insurance, and more in the Dartmouth, MA area.
There are Seven Components to a Home Insurance Policy
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Dwelling
Dwelling coverage protects the structure of your home, including the foundation, walls, roofing, interior flooring, fixtures, and more.
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Separate Structures
This coverage protects structures that are not attached to your main home. This could include garages, guest houses, fences, walls, swimming pools, sheds, and more.
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Personal Liability
This coverage protects you if you cause injury or property damage to a third party. An example would be if someone slips and falls at your home and you are sued.
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Deductible
The deductible is the amount you are responsible for if a home insurance claim occurs. For example, if you have a kitchen fire and your deductible is $5,000, you would be responsible for the first $5,000, and the home insurance company would pay the damages after that.
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Personal Property
This coverage protects all of your belongings, such as furniture, clothing, and personal property. Most home insurance policies exclude coverage for certain types of items such as jewelry, artwork, collections, silverware, gold, cash, securities, guns, and more.
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Loss of Use
This coverage pays for you to live in a hotel or rent another home if your home is damaged by a covered peril, such as a fire.
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Guest Medical
This is coverage that would pay medical bills if a visitor to your home is injured on your property, regardless of who was at fault. This coverage is usually capped at $5000 or $10,000.
Put Your Trust in Our Home Insurance Agency
- We can get you the best rates on homeowners insurance.
- Our office has helped thousands of Massachusetts residents with home insurance since 1975.
- We represent the top insurance companies, which allows us to match your specific needs with the proper insurance company. Trust us to help with standard home insurance, mortgage insurance, flood insurance, and more.
- Our office is located at a convenient location on Route 6 in Dartmouth.
- We are here for you not only at the time of sale but also in your time of need. If you have a claim, we are here to assist you, meet with you, and help advocate on your behalf.
- We provide insurance for all types of homes, including primary and secondary residences, condos, rental properties, vacation homes, high-value homes, and high fire area homes. We can insure homes in Dartmouth, Fairhaven, New Bedford, Acushnet, Rochester, Mattapoisett, Marion, Fall River, Westport, and throughout Massachusetts.
- If you are closing escrow on a home, we provide the fastest quotes and escrow turnaround.
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