🏡 Homeowners Insurance in Massachusetts

Your home is more than just a building — it’s where your life happens. Protect it with the right homeowners insurance from Risman Insurance, proudly serving families across Massachusetts since 1925.

Why Homeowners Insurance Matters

If a fire, storm, or accident damages your home, the costs can be overwhelming. Homeowners insurance helps you recover financially by covering repairs, personal belongings, and liability expenses if someone is injured on your property. Our local team will help you understand what your policy covers — and where you might need extra protection.

What’s Typically Covered

Most Massachusetts home insurance policies include:

• Dwelling coverage for your home’s structure, roof, and attached buildings
• Personal property protection for furniture, clothing, and valuables
• Liability insurance if someone is injured or you damage another’s property
• Additional living expenses if a covered loss makes your home unlivable
• Optional add-ons such as replacement cost coverage or water backup protection

Note: Standard home insurance does not cover floods or earthquakes. Ask us about adding Flood Insurance or special endorsements to close those gaps.

Understanding Massachusetts Risks

From coastal storms to winter freezes, every Massachusetts home faces unique risks. Our agents understand local building codes, lender requirements, and insurer preferences. Whether you live in Medford, Stoneham, Salem, or anywhere across the state, we’ll tailor your policy to fit your location and budget.

At Risman Insurance, we take time to explain what your policy covers and ensure you have protection that fits your home — not just a one-size-fits-all plan.

Bundle and Save on Your Coverage

Bundling your home and auto insurance can simplify your protection and help you save. We’ll help you understand your options and choose coverage that fits your home and needs:

• Auto Insurance for your vehicles
• Condo Insurance for unit owners
• Renters Insurance for apartment dwellers
• Umbrella Insurance for added liability protection

If you own a second home or rental property, we also offer Rental Property Insurance and Coastal Home coverage.

Common Mistakes to Avoid

Even the most careful homeowners can overlook coverage details that matter. Don’t miss our related article:

Common Home Insurance Mistakes Massachusetts Homeowners Can Avoid
.
It explains five simple ways to make sure your home is properly insured — and your finances protected.

Why Homeowners Choose Risman Insurance

• Local knowledge. We understand Massachusetts homes and communities
• Independent options. We work with top-rated carriers to find the right fit
• Personal service. Real people ready to help with claims and coverage reviews
• Longstanding trust. Family-owned and locally operated since 1925

Ready to Review Your Home Insurance?

Call
(781) 396-2116
or

Request a Quote

today. Our Massachusetts team will review your current policy, identify savings, and help ensure your home is fully protected.

Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.