Home Insurance
Your home is more than just four walls. It’s where life happens. Whether you own a house, condo, or mobile home –or even rent your space– our tailored home insurance policies keep you covered.
Coverage for where you call home.
Protect what matters most, inside and out.
Home insurance isn’t just about protecting a structure—it’s about safeguarding your future. From fire and storm damage to theft and liability, the right policy gives you financial security no matter what comes your way.
At Stephen Benjamin Insurance Agency, we know every home is unique. That’s why we offer tailored coverage options for homeowners, condo owners, renters, and mobile homes. With local expertise and access to top-rated carriers, we’ll help you find the right policy to fit your home and lifestyle.
Comprehensive home insurance for every living space.
Homeowners Insurance
Protect your home and personal property from fire, theft, weather damage, and more. Coverage includes dwelling protection, liability, and additional living expenses.
Condo & Renters Insurance
Secure your belongings and liability as a condo owner or renter. Get protection from unexpected events, even if you don’t own your home.
Mobile Home Insurance
Specialized policies designed to cover mobile and manufactured homes, offering protection against structural damage, liability, and personal property loss.
Rental Properties
Whether you own a single rental home or multiple units, our coverage safeguards against property damage, liability risks, and loss of rental income. Get peace of mind knowing your assets and tenants are protected.
Vacant Dwellings
Protect your unoccupied property with vacant dwelling insurance. Whether your home is awaiting sale, renovation, or a new tenant, our coverage safeguards against risks like vandalism, fire, and weather damage.
Home insurance questions?
We’ve got answers.
Understanding your policy options is key to protecting your home. Below are answers to common home insurance questions.
What does a standard home insurance policy cover?
A standard home insurance policy typically covers your home’s structure, personal belongings, and liability protection. It also includes additional living expenses if your home becomes unlivable due to a covered event. Policies may vary, so we help ensure you have the right coverage for your needs and location.
Is home insurance required in Massachusetts?
Massachusetts law does not require homeowners to have insurance, but most mortgage lenders do. Even if you own your home outright, coverage protects against costly disasters, theft, and liability claims. Without it, you could face significant financial loss in the event of fire, storm damage, or other unexpected events.
Does home insurance cover floods or earthquakes?
Standard home insurance does not cover floods or earthquakes. You can purchase separate policies for these risks. If you live in an area prone to flooding or seismic activity, we can help you explore coverage options to ensure you’re fully protected against these natural disasters.
How much home insurance do I need?
You should have enough insurance to rebuild your home, replace personal belongings, and cover liability claims. Factors like home value, location, and possessions influence coverage needs. We’ll help you assess the right policy to provide financial security and avoid costly gaps in protection.
Can I save money on my home insurance policy?
Yes! Bundling home and auto insurance, improving home security, and maintaining a claims-free record can lower your premium. Raising your deductible may also reduce costs. We review available discounts and tailor coverage so you get the best protection at the most competitive price.
