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Homeowners

Your home is your most valuable asset. Protecting it with the right homeowner’s insurance coverage can help you recover in the event of a fire, accident or natural disaster.

With more than 30 years providing insurance to our neighbors on the North Shore and Eastern Massachusetts, you can turn confidently to Rizzo Insurance for support, professional direction and the right insurance coverage.

One of the most popular questions we get is "How Much is Homeowners Insurance?" It is a difficult question to answer because so many variables factor into the cost of your homeowner’s insurance – particularly in coastal areas and closer to the city.

Distance to coast does make a difference, but Rizzo Insurance has access to homeowner’s insurance carriers who write insurance throughout New England and specifically in coastal property areas.

We can help protect your primary residence with homeowners insurance, and also cover second homes, vacation houses, condos and rental properties.

Your Rizzo Insurance representatives are highly trained professionals who will customize coverage to fit your unique situation while maximizing any discounts and savings available.

What is Homeowners Insurance?

Homeowners insurance is a package policy and provides financial protection against disasters. A basic (or standard) policy insures the home itself and the things you keep in it. This means that it covers both damage to your property and your liability (or legal responsibility) for any injuries or property damage you or members of your family cause to other people. This also includes damage caused by your pets.

Disasters are covered, but there are exceptions:
  • Floods
  • Earthquakes
  • Poor maintenance
You must buy separate policies for both flood and for earthquake coverage. Maintenance related issues are the homeowner's responsibility.


You may be wondering... "How much homeowners insurance do I need?"

That is a great question and one that is often overlooked. The simple answer is, you need enough insurance to cover the following:
  • The structure of your home - you need enough to cover the cost of rebuilding your home at current construction costs (don't include the cost of the land and don't estimate based on the price you paid for your home). For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot.
  • The contents of your home - (personal belongings)
  • The cost of additional living expenses - (if your home is damaged in such a way that you have to live somewhere else during repairs)
  • Your liability to others


 

Company

License #'s:
MA- 1836153
NH- 2100857

Licensed to do business in Massachusetts, New Hampshire, Maine, and Florida.
Contact Us

Rizzo Insurance Group, Inc.
310 Broadway
Revere, MA 02151

Phone: (781) 289-7445

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Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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