Why do I need home insurance?
Home insurance protects your home and belongings from unexpected damage or theft. It can also protect you financially if someone is injured and you’re found responsible. For example, a tree may fall on your roof during stormy weather, or water may damage the contents in your basement.
What does a standard home insurance policy cover?
A standard home insurance policy covers your dwelling, other structures on your property, your personal belongings and personal liability. It can also reimburse you for additional living expenses if you’re temporarily forced out of your home due to a covered loss.
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Dwelling
Dwelling coverage pays to repair or replace your home if it is damaged by a covered loss, such as a fire or fallen tree. This standard coverage includes all parts of your home’s structure, from the walls and roof to permanently installed fixtures. -
Other structures
Other structures covers structures on your property that aren’t connected to your main house, such as a garage, fence, shed or barn. This standard coverage is usually 10% of your Dwelling coverage. -
Personal property
Personal property covers your personal possessions, such as furniture, appliances, TVs, computers and some jewelry. This standard coverage applies to the actual cash value of an item (i.e., its depreciated value), not its full replacement cost. -
Loss of use
Loss of use reimburses you for temporary housing, meals and other related expenses while your home is being repaired after a covered loss. This standard coverage is usually 20% of your Dwelling coverage amount. -
Personal liability
Personal liability helps you if a member of your household is found responsible for a loss suffered by another person. It may also cover you against lawsuits for bodily injury or property damage that you or family members accidentally cause to other people. -
Medical payments
Medical payments helps protect you if others are injured on your property. This standard coverage takes care of their medical bills whether or not you were responsible for your guest’s injuries. Â
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How to customize your home insurance
You can choose from a range of optional home insurance coverages, also known as endorsements, to tailor your policy to your specific needs. For example, you can add home systems breakdown, identity theft and flood insurance, among other endorsements.
Home systems breakdown
Protects you if important equipment breaks down in your home, such as your furnace, stove or air conditioning unit.
Identity theft
Helps reimburse you for expenses related to cybercrime and identity restoration, such as legal fees, lost wages and administrative costs.
Flood insurance
Just a few inches of water from a flood can cause severe damage. Flood insurance is the best way to protect yourself.
Scheduled personal property
Provides higher coverage limits and broader protection for specific high-value items such as jewelry, fine art and antiques.
Water backup and sump pump overflow
Covers damage caused by water backing up through sewers or drains or overflowing from a sump pump.
How can I Iower my premium?
You can lower your home insurance premium by regularly shopping for quotes and researching the types of discounts your insurance company offers. Bundling your insurance policies and raising your deductible can also help you save.
Bundle your policies
Thinking about bundling your home and auto insurance? Smart move! It will probably save you some cash, plus you can manage both of your policies in one account.
Apply for discounts
Most insurance companies offer a variety of discounts that will help reduce the cost of your homeowners insurance. You may be eligible for one or more.
Raise your deductible
A great way to lower your home insurance premium—without compromising on coverage—is to raise your deductible. Smart homeowners have figured out this makes sense, as the chance you’ll ever file a claim is small.
Need help? Plymouth Rock is here for you.
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Got questions? You're not alone.
Common FAQs about home insurance:
Your home insurance deductible is the amount you pay out of pocket before your insurance kicks in. A higher deductible means you’ll pay more out of pocket in the event of a claim, but it could also lower your premium.
Home insurance rates are based on a variety of different factors, such as how much coverage you need, the location and age of your home, and your claim history. Each insurance company decides what factors are important and how much weight to give each factor.
Independent agents are experienced, compassionate people—not automated bots. Plus, they work and live right in your community, so they understand your needs. They’ll help you:
- Get a free homeowners insurance quote
- Determine the best coverage and liability limits
- Select the proper deductible
- Take advantage of all available discounts
Plymouth Rock has been providing customer-first insurance in the Northeast for over 40 years. In that time, we’ve served over 900,000 customers and sold over $2.4 billion in annual premium, earning us an A- “Excellent” rating from A.M. Best Rating Services.
