Attleboro Home Insurance

Big Changes That May Affect you

Ever since Tropical Storm Irene blasted through our neighborhood flooding areas that have hardly ever seen a drop of water. With all of her floods and destruction Irene is now rated as a top ten storm for our area. For some, unfortunately, found out that Flood Insurance was NOT included under their Home Insurance policy. This was devastating news to a lot of homeowners throughout New England. The homeowners policy protects a lot, but flood coverage is excluded.

Did You Know This About Deductibles?

The deductible, the amount of money deducted before the insurance company pays out on a covered loss. We all may have heard of this term "deductible" however did you know that not there are four potential types of deductibles that may have an impact on your covered loss? The Allan M. Walker Insurance Agency understands the different types and we want you to know how and when a different deductible is activated.

Which one do you have? When does it apply?

  • Standard deductible
  • Wind Deductible
  • Named storm deductible {Sandy or Irene}
  • Percentage deductible

All four of these deductibles come into play at various times. Should you have a question on what type you may have or what the differences are please call our insurance professionals. We can help you!

Basic Coverages You Will Find On Your Attleboro Homeowners Insurance Policy

Most policies will include these six coverages to start:

  • The dwelling which is your home and what it is constructed of
  • Other structures such as a garage be it attached to your dwelling or not, also including sheds, pool houses, deck or a garden shed. structures of this nature.
  • Personal liability. This provides protection if you were found liable for an incident that happened on your property
  • Medical payments. Coverage is found here for people or guests who may become injured while on your property
  • Contents coverage. This coverage provides protection for all your personal belongings. Such as your electronics, clothing, furniture and appliances as well as other items in your home.

The Homeowners Policy And Limitations

Your policy is quite extensive although there are limitations and exclusions on all homeowners policies. For instance some exclusions are war, terrorism, intentional acts, flood, and earthquake. Items that normally have limitations are stamps, gold, coin collections, antiques, silver, collectibles, silverware and cash. All of these items can be protected by endorsement or rider for full coverage. When you talk with a Home Owners Insurance professional at the Allan M. Walker Insurance Agency, we will ask you questions and take the time to listen to what YOU have to say. The extra time spent is time well used; we take pride in our ability to listen, to develop a relationship, and hear what is important to you.

Is the roof that is over your head just a roof? No Way!!

It is protection for probably one of your biggest assets and investments. It provides protection in many ways these days. Most importantly it covers and protects your family, with technology it may even protect your livelihood. Do you work from home? If you own or operate your business or a business, out of your home... it just may not be covered! A home business usually is excluded under a Home Insurance policy. Everything in that "spare room" that has become your new business HQ, may be excluded. All the work orders, stock, business furniture and supplies may be lost should a loss occur. Your in charge and working your own schedule don't let all of that go unprotected. This why our team will take the time to get to know you, to find out just a little about what is going on in your life. What is it that is important to you?

We don't know when the next super storm may hit or how our New England weather will be the next day! However we do know that our team of professionals can help protect and prepare for life's uncertainties.

More ways to save money on your Homeowners Insurance? Click Here please.

Think of this: Protection is meaningless after the accident. We are all one mishap away from devastating personal and financial loss.

At Allan M. Walker Insurance Agency we have protected the residents and business of Attleboro since 1847. We know the area. We know the residents. We know how to keep you safe you with the right protection plan.

We also write Achusnet Home Owners Insurance, Bridgewater Homeowners Insurance, and insurance throughout all of Massachusetts.

Just Neighbors Helping Neighbors

Since 1847

Protection Is Our Business ~ Service Our Product