Insurance for Homeowners in Massachusetts

Between our state’s rich history, top-rated schools, and championship sports teams, it’s no secret that Massachusetts is a great place to purchase a home. Yet with such a large investment comes the need for homeowners insurance, and it can be difficult for residents to determine how much coverage they need.

To help you account for potential liabilities and expenses after blizzards, hurricanes, tropical storms, and more, A-Affordable Insurance is here to help. We’ve called Massachusetts home since 1984 and are committed to providing our neighbors throughout the state with affordable homeowners insurance that doesn’t skimp on coverage – even if your policy payment history is less than perfect.


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What Our Homeowners Insurance Covers

Whether you’re preparing for the purchase of your first home, looking to relocate, or wishing to retire along the coast, homeowners insurance is a must in Massachusetts. A standard will help cover the replacement costs of contents inside your home from loss or damage, as well as the structure of your home from types of damage such as:

  • Fire
  • Theft
  • Vandalism
  • Lightning
  • Nor’easters
  • Hail
  • Other perils named in your policy

However, the standard coverage package of most home insurance policies pays on the depreciated value of your lost items, potentially sticking you with a large out-of-pocket expense when you replace them with new items. To find a homeowners policy that won’t leave you with regret, contact A-Affordable Insurance. We work with several different insurance providers to find you the right coverage at the right price.

Supplemental Coverage for Your Home

Your homeowners insurance policy only covers liabilities and expenses up to its limit. It’s important for Massachusetts residents to consider obtaining other coverages in the event high-value items, business equipment, inventory, and more are lost in an accident. A-Affordable Insurance is proud to offer you replacement cost coverage for the contents of your home, including options such as:

  • Additional living expense coverage: When a disaster makes your home uninhabitable, your expenses will be covered during repairs from an insured loss or event.
  • Liability insurance coverage: If someone is injured on or near your property, you’ll be protected. You can also consider additional liability coverage with an umbrella insurance policy.
  • Coverage for business equipment or business inventory: If you operate a business out of your home, we highly recommend this coverage in the event of a disaster.
  • Flood and/or earthquake insurance: Not all natural disasters are covered by your homeowners policy, making it all the more important to consider flood insurance and/or earthquake insurance in prone areas.
  • Animal liability insurance: Should a guest become injured due to a bite or another incident involving your beloved furry family members, you’ll be covered for your liability.
  • Other replacement cost coverage: Ask us about insuring valuable possessions like jewelry and firearms, floater insurance, sump pump insurance, and much more.
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Combine and Save With A-Affordable Insurance

Not only will A-Affordable Insurance’s team work hard to find you the right policy at the best price, but we also allow you to combine and save. By bundling your homeowners policy with your auto insurance policy or other types of insurance, you can maximize your coverage while lowering our already competitive rates even more.

If you’re not sure where to begin when it comes to homeowners insurance in Massachusetts, contact A-Affordable Insurance today at 800-89-SAVES (72837). We offer extended customer service hours and will be glad to help you meet your coverage needs at an affordable rate.

  • Rates are higher but for the right person is totally worth the quick service and faster DMV service

    E.T. J. Avatar E.T. J.
    January 29, 2024
  • I had Bianca R help me with my insurance and she made sure I was secure for my car. She explained everything clearly so I knew what I was signing, she was ready to fight for me when the car dealer was giving me a hard time. I would fully 110% recommend her or even give her a raise for how amazing she treated us and how fast she wanted to help get my first car on the road!

    lilliana lauziere Avatar lilliana lauziere
    October 5, 2023
  • A-Affordable SAVED MY BUTT. My previous insurance policy was cancelled due to non payment (attributed to a series of misunderstandings and late arriving letters), and when I went through my previous agency to find new coverage, the cheapest they found was a $4000 down payment and $450+ monthly payments. I only had two days to find new coverage before I would lose my registration on the vehicle. A friend directed me to A-Affordable, and Regina (the CSR) was able to get me set up with a new policy that was even less than my previous monthly payments! I’m incredibly grateful for how kind, understanding, knowledgeable and quick Regina was. Overall: incredible customer service, ACTUALLY affordable insurance coverage, and an easy process.

    Julia LaFosse Avatar Julia LaFosse
    March 30, 2023

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