A Consumer’s Guide to Home Owners Insurance

This guide is not a legal analysis of your rights under an insurance or government programs. … A Guide to Massachusetts Insurance for your home and ….

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A Massachusetts Guide to Insurance for Your Home and Ways to Help Reduce Your Insurance Premiums, Table of Contents

  • How to Use this Guide … ii
  • Table of Contents … iii
  • Part One: Risks to Your Home
  • Why Buy Insurance for My Home? … 1
  • What Could Ever Happen to My Home? … 1
  • Am I Required to Buy Insurance for My Home? … 1
  • Part Two: Insurance for Your Home
  • How Does an Insurance Policy Work? … 2
  • How Do I Obtain Insurance for My Home? Can I Ever Be Turned Down?… 2
  • Can an Insurer Ever Cancel or Nonrenew My Coverage? … 2
  • How Do I Find Companies that May Sell Me Insurance? … 3
  • What Type of Insurance Do I Need to Protect My Home?… 4
  • Do I Need to Buy More Insurance As the Value of My House Increases? …6
  • What Happens If I Do Not Have Enough Coverage?…6
  • What Is a Wind or Hurricane Deductible and How Does It Affect My Coverage?… 7
  • What May Affect the Cost of the Insurance for My Home? … 8
  • How Can I Find Out How Much an Insurer May Charge to Insure My Home?… 9
  • How Do Insurance Companies Market Policies?…10
  • What Should I Do to Lower the Premium that I May Pay?… 11
  • Part Three: Losses
  • How Can I Protect My Home and Reduce My Insurance? … 12
  • What Should I Do If Anything Happens to My Home?… 15
  • What If I Have Questions or Problems with My Claim? … 15
  • Appendix A – Glossary of Common Insurance Terms A-1
  • Appendix B – Facts to Keep Handy About Your Own Policy B-1
Download A Consumer's Guide to Home Owners Insurance pdf from www.mass.gov, 24 pages, 377.01KB.
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