Building Law or Ordinance coverage
Coverage that provides reimbursement for losses incurred due to the imposition of a building code or law after a covered loss. For example, building code may require wider doors be installed after a fire damages a house. The increased cost for the doors in order to meet code would be covered by this endorsement.

Business In The Home Coverage
Since the homeowner’s policy is a personal and not a business policy, those maintaining a business within the home should seek business-in-the-home coverage. Some carriers add this important coverage by endorsement. These new programs have been designed to meet the needs of the ever changing face of the American family. Ask us if your type of at-home business would qualify for this program.

City Home Policy
Coverage for your brownstone located in the city. Unique coverage features specifically designed to address the needs of brownstone living.

Condominium Policy
The homeowner’s policy for the condo owner. Special coverages just for condo owners, such as loss asessment.

Co-Op Policy
Policy specifically designed for Co-op living. Covers bodily injury and property damage claims as well as damage to your own property.

Disability insurance
Income replacement insurance that pays upon the disability of the insured. Especially important for the self employed or small business owner.

Earthquake
This coverage is used to provide protection for loss due to earth movement including earthquake shocks and volcanic eruption.

Flood
This coverage is used to provide protection against loss due to water damage arising from flooding, surface water, tides, tidal waves, and the overflow of any body of water.

Homeowner’s Policy
Coverage for your house and personal belongings, combined with personal liability protection. One of the best insurance values available. Comprehensive coverage and the cornerstone of most families’ personal insurance programs.

Jewelry Floater
This policy usually forms part of a homeowner’s policy and covers jewelry on a scheduled or blanketed basis. The homeowner’s policy provides very limited coverage without purchasing this separate floater. We can help you decide if your collection is best insured by schedule or on a blanket basis.

Life Insurance
The primary use of this policy is to fund the retirement, education or lifestyle of a surviving spouse and/or dependent children upon the death of the insured person. May also be purchased to pay a mortgage, fund a business buy-sell agreement or solve an estate tax problem.

Personal Automobile Policy
Covers third party claims of property damage or bodily injury arising out of the use of a personal automobile. Also can cover damage to your own vehicle, towing charges, rental reimbursement and bodily injury caused by underinsured and uninsured motorists. In Massachusetts, the Commonwealth sets the rates to be charged. Insurers can then offer certain discounts to groups or association members. Ask us about savings for insuring your home and auto with the same carrier.

Personal Excess (Umbrella) Liability
Catastrophic protection, this policy responds upon the exhaustion of the primary limits of a personal automobile or personal liability policy. Usually purchased in increments of $1,000,000 of coverage.

Personal Injury Protection
This can be an important but sometimes overlooked coverage part of a personal liability policy. Covers claims made by a third party for such occurrences as libel, slander and invasion of privacy. Many homeowner’s policies only provide this coverage by endorsement.

Personal Motorcycle Policy
The motorcycle’s Personal Auto Policy.

Personal Watercraft Policy
Coverage for your private boat. Similar to an auto policy in that it can cover both third party liability as well as damage to your own craft.

Scheduled Fine Arts Coverage
Like jewelry, fine art or antiques of value should be insured separately from the homeowner’s policy. Coverage can include breakage and can be written on a scheduled or blanket basis.

Tenant’s Policy
The “homeowner’s policy” for the renter. Covers personal belongings and liability but does not provide coverage for the building or dwelling.

Valuable Articles Coverage
Term used for the policies that insure jewelry, art, antiques and similar items of rarity or value.