Finck & Perras Insurance Agency, Inc.
HOMEOWNERS INSURANCE
| Since 1935 the Finck & Perras Insurance Agency,Inc. has been insuring homes for clients throughout Western Massachusetts. |
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| With our experienced staff we work to make sure you have not only the right amount of coverage, but also the coverage that is right for you. When you sit down to pay your homeowners insurance premium, do you think about what you are paying for? Do you worry that you might be paying for more coverage than you need? Or that you aren't paying for coverage that you do need? We, at the Finck & Perras Insurance Agency, can help! With our access to multiple carriers and programs we have the ability to really "shop" for the best possible coverage at the best available price. | ||||
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| What are those coverages I read about on my Homeowners Insurance policy? Your homeowners policy consists of many parts. For explanations of Coverages A,B,C,D,E and F. Click here How do they determine what my home should be insured for? This value is determined by using an Insurance Cost Estimator. This is an Insurance based program that calculates what the cost is to replace your home in the event of a total loss. This calculation is not the price you paid for the home nor is it the town/city's assessed value and does not include the value of the land. The amount of coverage is then assigned as your Coverage A value and it reflects the amount it would cost to repair or rebuild your home should it suffer a covered loss. (subject to policy provisions and exclusions) Did you know you could be eligible for discounts on your homeowners policy? Credits are available from various carriers for things such as: • New Home Credit • Renovation Credit - For your older home • Mature Home Credit - Owners 55yrs and older • Non-Smokers Credit • Smoke Alarm Credit • Burglar / Fire Alarm Credit • Account credit - combine auto and home |
I don't own a home, so I don't need that type of insurance. This is a myth most renters believe. The insurance a landlord carries on the building does not cover tenant's belongings. Your furniture, television, stereo, clothing, computer, IPod, camcorder and other personal items would not be covered if a fire occurred to the building in which you reside. The same is true if your apartment was burglarized. Renters insurance can be purchased to protect your belongings from fire and lightning, theft, vandalism, windstorm and hail, smoke, falling objects, collapse of building, explosion and other named perils. Personal items which are stolen from your vehicle, may also be covered under this type of policy. You may also receive an additional credit if your home and automobile are with the same company.'. So you own a condo and are not sure what coverage you should have. As a condo owner, one's insurance needs are different than one who owns a home. Condo Associations have a master policy. These policies vary in the amount of coverage provided to the unit owners. Provide us with a copy of your Condos insurance bylaws and we can help determine the building coverage you need. The master policy does not cover the unit owner's personal belongings nor does it cover the unit owner's personal liability. So if you own a condo give us a call and let's talk about what we can do for you. |
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| So, as you see, there are many parts to a homeowners, Renters or Condo insurance policy. You want an agent that is looking out for your best interest. Here at Finck and Perras we treat you like family. With our decades of experience in the homeowners business, we are sure we can help you and look forward to your call or email. EMAIL US TODAY |
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| Read frequently asked Home Insurance Questions, click here | ||
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