Homeowners Insurance

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Buying a home is one of the most significant purchases you will make in your lifetime. Protecting your investment is critical.

That’s why working with a local, trusted insurance agency is important when selecting a homeowner’s policy that is Just Right® for your lifestyle. The knowledgeable team at BayCoast Insurance is ready to help you.

We are a leading independent insurance agency serving clients on the South Coast of Massachusetts and Rhode Island. With more than two decades of experience, we can help you navigate the complex and ever-changing world of insurance to ensure you get the best possible coverage at the best price.

A homeowner’s policy is important because it provides coverage for your home, its contents, detached structures, and more. There are several factors to consider when selecting this type of policy. For example, your home’s geographic location, age, size, condition, and the likelihood of a significant weather event, such as a tropical storm or hurricane, may impact the coverage needed to safeguard your home. The possessions you keep in your home may also be a factor. Do you own valuable jewelry, expensive electronics, precious antiques, or even musical instruments that require protection? A customized homeowner’s policy will help protect your home and all your assets, giving you peace of mind.

There’s something else you should know. Most standard homeowner’s policies include personal liability coverage, which may protect you if someone is injured on your property or if you or a family member cause injury to someone else or damage their property and you are found to be legally responsible.

Typically, liability coverage should match or exceed your total net worth. Should you need additional liability protection, an umbrella policy may be an option to think about. An umbrella policy provides financial protection beyond the limits of a standard homeowners policy. For additional information, please contact our BayCoast Insurance team for assistance.

Whether you’re a first-time homebuyer or an experienced homeowner, BayCoast Insurance is the local team you can trust to provide expert guidance, so you can make more informed insurance decisions. We invite you to visit one of our convenient locations, or call us at 508-491-3100. Our team is ready to provide consultative advice, exceptional service and competitive product options to help meet your unique coverage requirements.

Generations of homeowners have chosen BayCoast Insurance.

BayCoast Insurance has become a leading choice for homeowner’s insurance on the South Coast of Massachusetts and Rhode Island for many reasons, including the range of high-quality products we offer, such as:

In addition, you may want to consider broadening your protection against threats to your house and belongings by adding one or more of the following home insurance options to your policy:

  • Scheduled Personal Property Endorsement
  • Earthquake Insurance
  • Separate Hurricane or Wind Deductible
  • Identity Fraud Expense Coverage
  • Ordinance or Law Coverage
  • Personal Cyber Insurance
  • Guaranteed Replacement Cost Coverage
  • Home Systems Protection with Service Line Coverage
  • Water and Sewer Backup Coverage

Some of these add-ons might even be required by your lender or insurance company, depending on the age and type of home you own, where it is located, and other special characteristics of your property. Your local trusted BayCoast Insurance professional can help you understand all your coverage options and determine which ones may be appropriate to include in your new or existing homeowner’s policy.

Because BayCoast partners with many of the top regional and national insurance companies, we will carefully review your eligibility for any of the discounts these carriers may offer, such as:

  • Bundling Home and Car Insurance
  • Mature Homeowners Credits for Homeowners 65 and Older
  • New Homebuyer Credits
  • Loyal Customer Credits
  • Home Protection Systems Upgrade Credits
  • Loss-Free Credits for Homeowners Who Have No Claims History
  • And More…

The BayCoast team will put our insurance knowledge and experience to work for you and your home.

Our professionals are here to help homeowners on the South Coast of Massachusetts and Rhode Island build smarter insurance portfolios to safeguard their homes, cars, boats, and other personal assets. Please contact us today for additional information about our homeowner’s insurance products or if you have questions about any other personal insurance services and products we offer. We are happy to guide you to ensure you make informed insurance decisions.