Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Homeowners insurance may help cover damage caused by falling tree branches if the damage results from a covered event, such as a windstorm or lightning. Coverage depends on your policy, deductible, and the cause of the damage.

Yes. You can usually update your policy if you’ve renovated your home, purchased valuable belongings, or want to adjust your coverage. Reviewing your policy regularly can help ensure it continues to meet your needs.

In many cases, personal belongings stored in your garage are covered under your personal property coverage if they’re damaged by a covered loss. Coverage limits and exclusions vary, so it’s important to understand what your policy includes.

Not all homeowners insurance policies offer the same coverage, limits, or discounts. Comparing your options can help you find the protection that’s right for your home and budget. If you’re in Lexington, our team is happy to help you explore your choices.

Many homeowners insurance policies cover damage caused by the weight of ice, snow, or sleet if it’s considered a covered peril. This may include damage to your roof or other parts of your home, depending on your policy.

Home improvements like replacing your roof, remodeling your kitchen, or adding living space can affect your insurance needs. Updating your homeowners insurance after major improvements can help ensure your home is properly protected.

Attached decks, patios, and porches are generally covered as part of your dwelling coverage if they’re damaged by a covered event. Homeowners in Massachusetts should review their policy to better understand their coverage limits.

Yes. Many insurance companies offer optional coverages and endorsements that allow you to tailor your policy to your specific needs. Whether you want additional protection for valuables or added liability coverage, there are often options available.

It’s a good idea to review your homeowners insurance whenever your circumstances change, such as after buying a home, completing renovations, or making major purchases. If you live in Lexington, we’re here to help you review your policy and make sure your coverage still fits your needs.