Homeowners
Protect your investment
For most of us, our homes are our biggest investment. Protect your most valuable asset by insuring it properly, so you are covered for whatever arises. We are a family-owned company who live and work here in New England. We understand this area and the hazards that it may bring. Let us help you to find the perfect policy for your home. Schedule and appointment today.
Home Insurance Includes More than just your house!
Unattached Structures
- fences
- sheds
- pools
- unattached garges
Personal Belongings
- furniture
- artwork
- media
- accessories
Loss of Use
Home becomes unihabitable due to a covered loss.
Personal Liability
Covers bodily injury or property damage in which the insured is considered legally liable.
Medical Payments
Will pay up to the limit of the policy due to an injury that arises out of the negligence of the insured
Let us help you find the right coverage.
Fire
Severe Weather
Flood
Theft
Is Homeowners Insurance Required?
Homeowner insurance is only required if you have a loan on your property. With that being said, a house is a huge investment and it is advised that you carry homeowners insurance to protect that investment.
How Much Does Homeowners Insurance Cost?
Homeowner insurance pricing is determined by a few different factors. The main contributing factor is replacement cost. Insurance companies require a client to insure the house to replacement cost. A few other factors that contribute to pricing are loss history and location of property.
How Much Homeowners Insurance Do I Need?
You need to make sure that the house is insured to 100% replacement cost. It all depends on the replacement cost of the dwelling.
Does my homeowners insurance cover my possessions even when I go on vacation?
Your homeowner insurance provides you with 10% coverage for personal property that is not on premises. This will cover your personal property while travelling.
Are my valuables covered?
Jewelry is covered on your homeowner policy, but there is a specific limit of $1000 for theft of jewelry on most homeowner policies. This in not per item, it is per occurrence. To properly insure your jewelry, you need to schedule it. This way it is covered for the appraised amount. Under the jewelry schedule you are afforded coverage if the piece of jewelry is lost or damaged as well.
Tell us about your home.
info@HaysInsuranceCo.com
Mon - Fri: 9am - 5pm
or by appointment
978-686-3162
