Fairhaven Home Insurance

What Would My Homeowners Insurance Cover?

Your Home Insurance Policy Starts With These Basic Components:

  • The Main Structure and its construction
  • Other structures on your property such as a garage whether it is attached or not, workshops, garden sheds, dog kennels, decks, pool house
  • All of your personal contents and belongings such as your clothing, electronics, TV's, Tables and chairs items like these.
  • Living Expenses should you have to be out of your home as a result of a covered loss.
  • Liability for accidents that happen on your property.
  • Medical Expenses to others who may be injured on your property

What You Need To Know About Your Fairhaven Home Owners Insurance Deductibles

A major part to all insurances are deductibles. Over the past few years there have been tremendous changes with Homeowners Insurance deductibles. This is one area of your coverage that you need to be aware of. After a loss is not the time to find out which one you thought you had. For instance which deductible would apply? Is it your standard deductible, was it a percentage type deductible, a wind loss or a named storm deductible. These all vary quite a bit, but the insurance team at Allan M. Walker Insurance Agency would be glad to explain all of the different types to you.

Our team knows the differences in the deductible types and if they have not been explained to you, you will know how they work after talking with us.

But I Thought My Home Insurance Covered Everything!

Not Even My Home Business???

As comprehensive as a Homeowner's policy is there are exclusions within the policy. For instance earthquake, flood, terrorism, war, intentional damage just to name a few. Also if you work out of your home or have a home business your supplies and stock are most likely excluded as well. However the good news here is that one of our team members can help you protect that home business properly so there won't be any surprises in an event of a loss.

What If Something Did Happen To That Roof Over Your Family?

What if the worse did happen? Another Irene or a super storm like Sandy does make it all the way up to our area? The destruction would be horrible. A fire be it a total loss or even just one small section of your home, or a pipe burst how would you like that claim to be paid? Will your current policy cover everything after the loss is not the time to find out.

We want to talk with you and yes for more than fifteen minuets, we want to know what may keep you up at night. We are here to help you and we are here to listen to what you have to say we want to know what is important to you. Our Home Owners Insurance team knows that your home is probably one of your biggest assets and it is not an investment that should not be protected properly.

It's Your Family, Your home, Your Home Business Your Investment. Protect It.

Even though we can take all the precautions avoiding accidents is not promised to anyone. So please don't wait be prepared for life's misfortunes. Complete the protection savings form now and let the professionals at Allan M. Walker Insurance Agency listen to what is important to you.

Beyond Fairhaven, Allan M. Walker Insurance Agency also offers Marion Homeowners Insurance and New Bedford Home Owners Insurance, and services residents throughout the state of Massachusetts!

Since 1847, Just Neighbors Helping Neighbors

Protection Is Our Business - Service Our Product