Home Insurance

Home insurance

Do you know exactly what’s under your roof and how home insurance from ICNE can protect it all?

If you’re like most Americans, you have a good amount of very important belongings and several loved ones that live below the protection of those shingles, framing, insulation, and multiple other roofing layers. Whether your home has been in the family for generations or you’ve just recently moved into a house, we’re sure that belongings and memories are starting to accumulate in every nook and cranny.

Consider the basement where you probably store outgrown baby clothes, yesteryear’s photo albums, and the box that preserves your wedding dress. Think about all the things filling the corners of your garage like bicycles, golf clubs, the lawn mower, and gardening tools. And then there’s the closets full of clothes, shoes, and jackets as well as the cabinets of stemware, dishes, pots and pans, appliances, and so much more. It’s really an endless list of things that you keep under the protective roof of your home, isn’t it?

We all hold on to so much stuff in fact that if something were to happen unexpectedly to our homes – a fire, a break-in, or a natural disaster are just a few examples – we would probably be hard-pressed to recall each and every item in our home by memory.

We all hold on to so much stuff in fact that if something were to happen unexpectedly to our homes – a fire, a break-in, or a natural disaster are just a few examples – we would probably be hard-pressed to recall each and every item in our home by memory.

That’s why the insurance professionals at ICNE strongly recommend that you take the time today to complete a home inventory or update one you already have. Should you ever need to file a claim, having a complete inventory of your belongings will not only speed up the restoration time, but also help you maximize your claim as it literally provides you with a shopping list to help you rebuild your home.

A happy family of four eating dinner in their house, protected with home insurance

ICNE, Insurance Center of New England, is here to help with capturing everything you have in your home that is of importance and ensuring that it is all protected by the optimal home insurance coverage at the best price for your specific household’s needs. Our team of advisors will also answer any of the common questions that may come up throughout the process, including:

What if I have more than just the standard household items?

If you’ve been settled in your home for a while, perhaps you now keep some items of substantial value tucked away there. Whether it’s an expensive watch, tenth anniversary diamond earrings, or a collection of antiques, sports memorabilia, or art, these are valuable possessions that might be difficult for you to replace should they be lost, damaged or stolen. Adding these items to your home inventory list is important, but not as critical as calling your ICNE agent to discuss special insurance coverage that can help you quickly repair or replace these valuable items. Our insurance professionals highly recommend scheduling each individual piece through a special insurance endorsement called Scheduled Personal Property. This endorsement will provide protection for losses that are excluded on a standard home insurance policy, including accidental ones – let’s say you accidentally lose a piece of jewelry while swimming in the ocean. In addition to customizing a policy for your high value items, ICNE would be glad to recommend a local appraisal firm.

Should I be listing out all home systems and equipment?

It is very important that you keep any documentation related to your critical home systems, equipment, and service lines. However, simply keeping manuals and purchase receipts in a file does not mean that you are covered should there be any sudden or accidental home system breakdown. That’s why ICNE is proud to now offer our personal insurance clients the option of Home Systems and Service Line Protection Coverage that can help homeowners like you avoid the inconvenience and the expense of unexpected repairs. This protection provides coverage, up to a limit, for repair or replacement of service lines, including water, steam, sewer, and drain piping as well as power line, electrical wiring, communication and data transmission wiring (e.g. telephone, cable, internet, and fiber optic). It also comes with coverage, up to a limit, for damage caused by a sudden and accidental mechanical or electrical breakdown of equipment like your water heater, central air, pool pumps, and solar energy panels. Whether it’s a mechanical issue, electrical problem or a bursting, cracking or splitting that results in direct physical damage to all or part of a home system or equipment, ICNE now offers this excellent option for homeowners to get repairs or a replacement done quickly and easily.

Does an investment property require the same process as my primary residence?

The simple answer is “Yes”. Everything that we have talked about above holds true for a property that is not your primary residence. However, as you probably already know as a landlord, a rental property comes with very unique requirements, including special insurance needs. If you are collecting rent seasonally or all year round for one or several multi-family properties, then you need to make sure you have the proper Dwelling Fire/Rental Homes 1-4 Family insurance policy in place. Contact your ICNE advisor to discuss the various options available including coverage for personal liability, loss of rent, and replacement cost of dwelling. We will help you select the policy type that is best for you and your specific rental property so that you can have peace of mind that your investment is well protected.

ICNE is much more than an insurance agency who finds you the lowest priced coverage. You can contact us anytime with your home insurance questions, to review a current policy, or for help making an informed decision about protecting your house and all its valuable belongings. As one of the area’s largest, privately owned, independent insurance agencies, ICNE can ensure you get the best home insurance at the most competitive rates for your specific needs.

If you are ready for a more personal relationship with a trusted insurance agent who can help you protect everything under your roof, call us today at (800) 243-8134 or stop into any one of our five convenient Massachusetts offices.

ICNE has partnered with a wide variety of top quality insurance carriers to provide you with access to the optimal home insurance coverage options for your home and belongings, from the most common to the most commonly overlooked, including:

  • Identity Fraud Expense Coverage
  • Ordinance or Law Coverage
  • Personal Property Replacement Cost
  • Personal Injury Protection
  • Umbrella Insurance
  • Service Line Protection Coverage
  • Water and Sewer Backup

ICNE offers exceptional insurance discounts to our homeowners who:

  • Bundle Auto & Home Policies
  • Install A Security System
  • Use Smoke Detectors
  • Use Deadbolt Locks
  • Are Claims Free

Insurance for Your Massachusetts Investment Property

There are many good reasons to become a landlord today. Seeking out and finding the right rental property to invest in is an exciting adventure in and of itself. Then, the rental income can provide you with a sizeable amount of cash-flow short-term as well as provide additional retirement income down the road. In order to ensure that you continue to love being a landlord for many years to come, it’s critical that you work with your ICNE insurance agent to protect your investment with the proper Dwelling Insurance Policy coverage. Even a basic policy can provide broad coverage for perils, theft, and liability claims, including:

  • Fire & lightning
  • Windstorm & hail
  • Explosion
  • Cracking, burning, bulging of heating, AC or hot water system
  • Collapse
  • Weight of ice, snow, sleet
  • Vandalism
  • Accidental discharge or overflow of water or steam
  • Building glass
  • Comprehensive personal liability
  • Loss of rental income
  • Building loss

If you want to partner with an insurance agent that understands your complex investment property insurance needs, then call us today for a complimentary insurance quote at (800) 243-8134.

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