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Home Insurance

It’s Time to Find Affordable Insurance Solutions




Why you Need Home Insurance Now

Whether you intend to be in your current home for only a few years, or you’re looking forward to filling it with memories for the next 30, getting the right home insurance is something you should not put off. If your home is damaged by a severe weather storm, for example, you cannot simply turn back the clock to get the right coverage. That’s why it’s critical to secure comprehensive insurance coverage as soon as possible in order to ensure your home is properly protected for everything from the most minor repairs to a total loss.

At Anderson, Bagley, & Mayo (ABM), we provide insurance for people in all stages of homeownership: First-time home buyers, vacation house owners, empty-nesters looking to downsize, and everything between. Partnering with us ensures you will have professional, knowledgeable, and caring advice. We’ll help find the right insurance for you — and will be there in the situations when you need it most.

It doesn’t matter where you are in your homeowner journey. Whether you’re a first-time homeowner, an expert house-hunter, or simply looking to reassess your current policy, we’re here to help. There is no place like your home, so let us protect it.

Home Insurance options

In the course of the 100 years ABM has been doing business, our local insurance agency has been working with generations of individuals and families throughout Leominster, Gardner, Westminster and the surrounding communities of North Central Massachusetts. We’ll help you find quality and affordable insurance to protect all kinds of homes, including:

Frame Houses
CBS Homes (Concrete Block Structure)
Manufactured Homes
Condos
Vacation Homes
Townhouses
Secondary or Seasonal Homes
Homes You Rent to Others
Multi-Family Homes
Mobile Homes on Acreage

Do you rent your home? It’s just as important to us that you have the right kind of insurance too. ABM can help you find renters insurance for your Leominster, Gardner, or Westminster apartment today.

What We Offer at Anderson, Bagley & Mayo

At ABM, we believe that our clients should understand their home insurance policies before they agree to them. Our advisors are here to explain all your insurance coverage and options. We’ll discuss the difference between actual cash value or replacement cost and why you need certain separately scheduled items.

When you work with us, you will get:

  • A team of agents who not only have strong, established relationships in the industry, but also an unmatched reputation for serving the insurance needs of this community
  • Careful assessments of your current home insurance policies so you can understand your coverages, limitations and exclusions and be confident that you have a protection plan that fully safeguards you, your family, and your property.
  • Personalized, cost-effective home insurance solutions, catered to your specific needs

Contact us today so we can help find the best home insurance solution for you.

Frequently Asked Questions (FAQs)

What are the most common types of issues I need to protect my home from?

Some of the most common issues that tend to affect homes in Massachusetts include fire, theft, severe weather, ice dams, burst pipes, and fallen trees and branches, to name a few. With the proper home insurance, you’ll be financially protected in the event that these types of situations damage or destroy your home, other structures on your property, plants, belongings, and more. And home insurance doesn’t just cover damage. It includes liability coverage, which protects you from a lawsuit if someone is injured on your property; and additional living expenses, which helps pay for the costs of alternative housing and other expenses incurred if your home becomes unlivable due to a covered event.

Is home insurance enough to fully protect my home and my stuff? Should I consider additional types of insurance?

Even the most comprehensive home insurance can leave you exposed to things that  aren’t covered. For example, most homeowners’ policies do not cover sewer back-up, normal wear-and-tear of home systems, damage done by a contractor while renovating your home, termite infestation, or flood damage. In addition, your home insurance usually provides only minimal coverage for pricier items, like your diamond engagement ring or your vintage baseball card collection. And it only pays out if the loss results from perils named on the policy.

So, as you can see, there are limitations to the protection that your standard home insurance product can provide. But don’t worry! ABM has access to lots of innovative reasonably priced – insurance products that can be used to protect you against these coverage gaps. This includes home systems protection, service line protection, flood insurance, and scheduled personal property. All you need to do is call and ask us about them!

How much say do I have in the cost of my home insurance policy?

As a homeowner, you have the power to make decisions that can impact what you pay for insurance. For example, factors like the special features of your home, the safety of your neighborhood, and the age of your structure can all impact your rates. That’s why it’s critical to make informed choices about the best home for you and your budget. The right insurance agent will guide you through the process and help lower your premiums.

We are the largest, independent, and privately-owned insurance agency in North Central Massachusetts. We many of the highest rated insurance carriers. Therefore ABM is uniquely qualified – and committed – to finding you the best home insurance solutions. We’ll help you safeguard the most important things and people in your life, while also saving you valuable time and money. We will investigate all options to help you get the most affordable insurance option, including bundling your auto and home policies with the same insurance carrier. And when we hear of any new discounts that could save you money, we will gladly alert you.

It’s your life, let ABM protect it with the right coverage at the right price

We are pleased to announce our offices are open as of August 10th, 2020. If your service needs require an in-person visit or consultation, please call your local office, or email us at insure@abminsurance.com before visiting. Many service needs and transactions can now be completed remotely. We encourage you to take advantage of these safe and convenient options. Thank you for your cooperation and understanding as we strive to provide you the highest level of service as safely as possible.
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