Frequently Asked Questions

Frequently Asked Questions

I am going on vacation, and will be renting a car. Does my auto policy cover this?

Good question. It depends. Your Massachusetts Auto policy will provide some coverage, if you are renting in the territory covered by the policy. That territory is the United States, Canada, Puerto Rico, US Territories and possessions. If you are renting a car in a foreign country (Mexico, England, Ireland) your policy will not follow you. If you are in Florida, and have rented a car, your policy will follow for the coverages you have purchased; loss to the rental vehicle will be paid on an actual cash value basis. The rental company may demand replacement cost which leaves a gap on your policy. Contracts with rental companies vary, so it is vital that you read the contract. As of April 1, 2008, some insurance companies may offer enhanced coverage to help with these gaps.

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During the last wind storm a tree fell and damaged my porch. Do I have coverage for the damage and also the tree removal?

Depending on the policy form you have purchased you are covered for the damage to the porch as well as coverage (up to a certain limit) to remove the tree. Bear in mind that most homeowner policies now contain a windstorm deductible, which is usually higher than the deductible which applies to all other claims.

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When I go on vacation, is my personal property covered that I bring with me?

Your personal property is covered “worldwide,” for the perils insured against on the homeowner policy. There are also some internal limits on the policy for certain specific items ( money, theft of jewelry, watches, etc.).

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Will my homeowner policy cover a flood loss?

Surface water, tidal water, flooding, inundation of water is typically excluded on the homeowner policy. However FLOOD insurance is available as a separate policy, and can actually be quite affordable depending on where your home is located.

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Last year I decided to start my own business. I operate out of my home. Does my homeowner policy provide any coverage?

The homeowner policy provides very limited coverage for business property, and virtually no liability coverage. In fact if the business is operated in a detached structure on your premises, there is NO coverage for the structure. The homeowner policy can be endorsed to provide some coverage, and there are other options available to protect your business.

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