A home insurance policy is something that can change many times over the year. Life changes, renovations, and improvements, as well as other installations, can trigger the need to update a policy by contacting your insurance agency in Fall River. A brand new kitchen, a built-in pool, major roofing repairs, the addition of a security system – these are all things that should be included in your Fall River homeowners insurance policy. Some items may make you eligible for a premium discount, while others should be recorded to ensure that you are covered in the event of a loss. A seemingly minor upgrade from French tile countertops to granite could make a huge difference if there is a fire, and everything needs to be replaced.
Even if you have not made any significant changes to your home, you should still review your MA home insurance policy twice each year. There may be things that you don’t think will make a difference that your insurance agent will notice that could reduce your monthly payments or require you to get extra coverage. You can make changes to your deductible based on changes to your household income, expand coverage to include a new shed, or make sure that all of your personal belongings have been appropriately recorded in your policy. This is a great time to ask your insurance agency in Fall River all of those policy-related questions and maximize the protection that your insurance provides.
How to Get a New Quote
If you are purchasing a new home or thinking about changing to Paul Sullivan Insurance Agency in Fall River from another local provider, there are certain things that you need to provide to get started. You should offer necessary details, such as the square footage of your home, basic construction details (building type, roof age and type, etc.), any past home insurance claims, liability coverage needs, the year your home was built, any improvements that have been made, and how long your home has been currently insured. Other information may also be required, such as dog ownership and breed, details about your home’s plumbing, electrical, and HVAC systems, and whether you have a security system or not.
All you need to do is contact our agents to discuss your needs for a home insurance policy. We can answer any questions that you might have about MA home insurance, offer a FREE quote, and give you options that can help you save money on your insurance premium. Paul Sullivan Insurance Agency has many years of experience serving Fall River homeowners and vehicle owners. We have earned a solid reputation for quality policies and top-notch customer service. Our team is proud to have received many referrals from our satisfied clients for both home and auto insurance in Southeastern Massachusetts. We help our clients get the coverage they need to protect their homes and belongings.
We Work for You
While many MA home insurance policies are tailored to meet the demands of mortgage companies, our goal is to serve our customers and protect their interests first. Fall River homeowners are required to have an insurance policy as part of their loan agreement, but the minimum requirements of lender policies often benefit the mortgage company more than the property owner. It is in your best interest to work with our insurance agents to look beyond the basic coverage and make sure that your home insurance policy protects your home, belongings, interests, and future. We can provide information and insight that you can use to help create a comprehensive coverage plan that will cover what many refer to as the most significant investment of your life.
Make sure that your policy protects you from any damage to your home and permanent structures on the property, as well as additional coverage for costs incurred because of a covered loss. Other coverage should include any damage to your home or property due to a specified cause, such as fire, theft, or flood. Limited coverage can also be provided to cover things like personal property, including jewelry, collectibles, musical instruments, and other valuables. Personal liability is something that all Fall River owners should have to cover property damage and bodily injury, should an incident occur at your home. Each policy will be different depending on the factors of the property, as well as any extra coverage that might be needed due to a determined risk.
Get a FREE Quote
Paul Sullivan Insurance Agency in Fall River can provide you with a FREE quote for any MA home insurance policy. We will work with you to create a custom solution that provides coverage for all of the things that matter most in your life. Our team will work diligently to ensure that all available discounts are applied to reduce your premium without sacrificing your Fall River homeowners insurance policy and make sure that you meet all the demands of the mortgage lender. Give us a call today at 508-678-9611 to start working on a FREE quote for your home insurance policy.