Home Insurance

It’s Time to Find Affordable Insurance Solutions

Don’t put off getting local and expert help with your home insurance

There are many things in life that don’t require a lot of thought or pre-planning, especially in today’s connected world. However, when it comes to buying (or renewing) the right home insurance, there are many good reasons why you don’t want to leave this important decision to the last minute, make it an impulse buy, go with the least expensive option, or entrust this vital coverage to a faceless, online virtual agent!

For one, when it comes to home insurance, things that look alike aren’t necessarily the same. Many home insurance products seem like they are similar in price and function, but, in actuality, the structure of the policy and its coverages can vary greatly from company to company. So, you really need a knowledgeable and experienced eye to assess every detail of what each insurance provider is offering you.

In addition, if you were to experience damages or destruction to your home and its belongings, you cannot simply turn back the clock to get the right coverage. Thus, 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.

Finally, partnering with a reliable, local insurance agent, like Anderson, Bagley & Mayo (ABM), ensures that you will have professional, knowledgeable, and caring advice not only about the right home insurance, but also in the situations when you need it most. Which means, should you ever experience a covered home insurance loss, like a fire or theft, you can count on our friendly and experienced team to be right by your side.

There’s no place like your home, let ABM protect it

In the course of the 100 years ABM has been doing business, our local insurance agency has helped generations of individuals and families throughout Leominster, Gardner, Westminster and the surrounding communities of North Central Massachusetts, 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

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.

By partnering with ABM for all your home insurance needs, you will get personalized, cost-effective home insurance solutions from an insurance agent who not only has a long history and strong relationships in the industry, but also an unmatched reputation for serving the insurance needs of this community. Contact ABM today for help protecting the most important things and people in your life.

Some Important Information About Home Insurance

At ABM, we believe that our clients should understand their home insurance policies before they agree to them. Our advisors are here to explain everything you need and want to know about your insurance coverage and options, from the difference between actual cash value or replacement cost, to why you need certain separately scheduled items. While speaking to you in person or over the phone is the best way for us to guide you through the home insurance process, we wanted to give you a head start by providing some basic home insurance information that we believe every current and future homeowner should know.

Why home insurance is so important

Whether you intend to be in your current home for only a few years, or you’re looking forward to making memories there for the next 30 years or so, there are many hazards that could pop up along your homeowner journey. Some of the most common issues that particularly affect homes in this area include fire, theft, severe weather, ice dams, burst pipes, and fallen trees and branches, just to name a few. Having the proper home insurance in place can ensure that you are financially protected in the event that these types of situations damage or destroy your home, other structures on your property, plants, belongings, and more. In addition, home insurance includes liability coverage, which protects you from a lawsuit if someone is injured on your property, and additional living expenses, which pays for the costs, above and beyond your normal expenditures, of alternative housing and other expenses incurred if your home becomes unlivable due to a covered event.

However, it’s best not to assume that your homeowners policy will cover all the perils or situations listed above. Let ABM take a look at your current policy and help you understand your coverages, limitations and exclusions so that you can be confident that you have a protection plan that fully safeguards you, your family, and your property.

Why home insurance isn’t always enough to fully protect your home and your stuff

Even the most comprehensive home insurance solution can leave you exposed to things that just aren’t covered by this kind of policy. 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 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 – and very reasonably priced – insurance products that can be used to protect you against these coverage gaps, including home systems protection, service line protection, flood insurance, and scheduled personal property. All you need to do is call and ask us about them!

Why you’re in the driver’s seat when it comes to the cost of your home insurance

As a homeowner, you have the power to make decisions that can ultimately impact how much you pay – or save – on homeowners insurance. Factors like the special features of your home, how safe your neighborhood is, and the age of your structure can all impact – for good or for bad – your home insurance rates. So, it’s critical to make informed choices about the best home for you and your budget. This is where we would like to present you with another key decision that can help you lower your home insurance premiums – choosing the right insurance agent to guide you through the home insurance process.

As the largest, independent, and privately-owned insurance agency in North Central Massachusetts, representing many of the highest rated insurance carriers, ABM is uniquely qualified – and committed – to finding you the best home insurance solutions to 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