Homeowners Insurance

For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected.

In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

A standard homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

  • Earthquake
  • Flood
  • Water Backup/Sump Overflow
  • Vermin/Rodent/Insect

Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage.

Call us at (617) 323-6900 or Contact Us to learn more about the home insurance policies we offer and which plan is best for you.

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Frequently Asked Questions

What isn't covered by homeowners’ insurance?
Homeowners insurance protects against many unexpected events, but some types of damage are generally not included. Standard policies typically exclude flood damage, earthquakes, routine wear and tear, damage caused by pests, and issues resulting from lack of maintenance. If you have questions about what’s covered or think you may need additional protection, your insurance agent can help you review your options.
How is homeowners’ insurance priced?
The cost of homeowners insurance depends on several factors, including your home’s age, location, size, construction type, claims history, and deductible. Insurance rates can vary from one homeowner to another, so comparing coverage options is a smart place to start.
What is dwelling coverage?
Dwelling coverage helps pay to repair or rebuild the physical structure of your home if it’s damaged by a covered loss. This generally includes the roof, walls, floors, and attached structures like a garage. Homeowners in Massachusetts should make sure their dwelling coverage reflects today’s rebuilding costs.
What is replacement cost coverage?
Replacement cost coverage helps pay to repair or replace covered property with new items of similar type and quality after a covered loss, without reducing the payout for depreciation. This coverage can help you restore your home or belongings more closely to their original condition following a covered claim.
Does homeowners insurance cover detached garages or sheds?
Many homeowners insurance policies include coverage for detached structures such as garages, sheds, fences, and gazebos. Coverage limits vary by policy, so it’s important to review your policy to understand what’s protected.
What are additional living expenses?
If a covered loss makes your home temporarily uninhabitable, your homeowners’ insurance may help pay for hotel stays, meals, and other extra living expenses while repairs are being completed. This coverage, often called Additional Living Expenses (ALE), can help ease the financial burden after a covered claim.
Will homeowners insurance cover stolen belongings?

Most homeowners’ insurance policies help cover personal belongings that are stolen from your home. Some policies may also provide limited coverage for items stolen away from home. If you live in Roslindale MA, your insurance agent can explain the limits and deductibles that apply to your policy.

Can home improvements affect my insurance?
Yes. Home improvements such as remodeling a kitchen, finishing a basement, or adding extra living space can increase your home’s value and the cost to rebuild it after a covered loss. If you’ve recently completed renovations to your home in Roslindale, it’s a good time to review your homeowners insurance policy with your insurance agent to help ensure your coverage still fits your needs.
Does homeowners insurance cover personal property?
Most homeowners’ insurance policies include coverage for personal belongings such as furniture, clothing, electronics, and appliances if they’re damaged by a covered loss. Some valuable items may have coverage limits, so you may want to ask about additional coverage for expensive possessions.
When should I update my homeowner’s insurance policy?
It’s a good idea to review your homeowner’s insurance policy every year or whenever you make significant changes to your home. Updating your coverage after renovations, large purchases, or other life changes can help ensure your policy continues to meet your needs.

Recreational Insurance FAQ

Does camper insurance cover water damage?

Camper insurance may help pay for certain sudden and accidental water damage, depending on what caused the damage and the terms of the policy. However, damage resulting from poor maintenance, long-term leaks, or normal wear and tear is generally excluded. Camper owners in Roslindale can help protect their investment by routinely checking the roof, seals, and plumbing for signs of damage or leaks.

Is my boat covered while it is in storage?
Boat insurance may continue to provide protection while your boat is stored at home, at a marina, or in a storage facility. Comprehensive coverage can help with losses caused by theft, fire, vandalism, and certain weather events in Massachusetts. Storage requirements may vary by insurance carrier.
Does ATV insurance cover trail riding?
ATV insurance may offer coverage when riding on approved trails, private property, or designated recreational areas, depending on the terms of the policy. Coverage can vary based on where the ATV is being used and whether the rider has permission to operate there. ATV riders near Roslindale should review their policy before heading out on an unfamiliar trail.
What happens if my Jet Ski is stolen?
If your personal watercraft policy includes comprehensive coverage, it may help pay for a stolen Jet Ski, subject to the deductible and policy limits. Coverage may also apply to theft from a trailer, marina, or storage location. Keeping records of the vehicle identification number can help simplify a claim in Massachusetts.
Can recreational insurance cover custom equipment?
Custom equipment and upgrades may require additional coverage beyond a standard recreational policy. Items such as upgraded audio systems, fishing equipment, custom wheels, storage racks, or camper modifications may need to be specifically listed. An agent in Roslindale, Massachusetts can help determine whether extra coverage is needed.
Do I need insurance for a camper that stays parked?
Even if a camper is permanently parked or rarely moved, insurance can still provide valuable protection. A policy may help cover fire, theft, storms, liability claims, and damage to attached features. Coverage needs may depend on whether the camper is kept at a campground, residence, or seasonal property in Massachusetts.
Does boat insurance cover passengers?
Boat insurance may include medical payments coverage for injuries to you and your passengers after a covered accident. Liability coverage can also help if someone is injured because of your boating activities. Limits and exclusions may differ depending on the policy available in Massachusetts.
How much recreational insurance do I need?
The right amount of coverage depends on the value of the recreational vehicle, how often it is used, where it is stored, and who operates it. Owners should also consider liability risks, personal belongings, accessories, and towing expenses. A local insurance professional serving Roslindale and all of Massachusetts can help compare coverage options.

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"The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance."

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Main Office

25 Corinth Street
Roslindale, MA 02131-3022
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Contact us by email
krupainsurance@comcast.net

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Contact us by phone
(617) 323-6900

Contact us by fax
(617) 325-6734

Hours of Operation
M-F 9:00am to 5:00pm
Sat & Sun, Closed

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