Homeowners Insurance

Protecting where your heart is…

There’s no place like home. Rose Insurance Agency insures it

It’s the place you sleep, share meals and spend time with your family: it’s where you do life together. There truly is no place like home and when that space that provides peace and quiet is disrupted it affects you and those you love in a very real way. If your home suddenly becomes uninhabitable…or if someone breaks in and takes something you value, you need quick and complete coverage that restores your way of life as quickly as possible.

The insurance you have can make the difference between a quick and comfortable resolution and a prolonged and frustrating absence from the place you call home. Since 1988, Rose Insurance Agency has developed strong relationships with many of the nations top homeowner’s insurance providers. Whether you own or rent a house or apartment, it’s your home and you deserve to enjoy it as soon as possible following a loss. Rose Insurance Agency makes sure that happens.

What you don’t know can cost you

Think about the many things you own that are ‘common’ items. For instance, most people own at least one TV. You probably have a computer, some jewelry and a variety of kitchen appliances. If you’re like most people, you probably believe that your homeowners insurance covers EVERYTHING you own. And, if you’re like most people, you’ll only find out that this is a common misconception after you suffer a loss. While your homeowner’s policy covers jewelry, does it cover all the jewelry you own? What about artwork, collectibles or other valuable items?

Were you aware that all homeowner’s insurance policies have specific limits when it comes to many personal items? In fact, there are some specific items that are completely excluded from many homeowners insurance policies unless specifically added. You could be woefully underinsured, depending on the things you own. If your current agent hasn’t asked about the contents of your home, you could have a policy that comes short of providing the protection you thought you had.

You should also consider the liability coverage provided by your policy. If you have considerable assets, you could be at a higher risk for expensive lawsuits if you’re found liable for an injury that occurs on your property. Your Rose Insurance agent can help determine if you’re adequately protected.

Something every renter should know

Many families and individuals who rent believe that the insurance carried by their landlord also protects the renter against loss. This is NOT true. Here are the facts: in order for an individual to carry insurance on any property, he must have an insurable interest in that property. In other words…since your landlord doesn’t own your property, he can’t own insurance for it. Only you can carry insurance on what you own…and Rose Insurance Agency can show you how affordable renters insurance can provide the protection you need.

Rose Insurance Agency offers a variety of property insurance options, including:

  • Homes
  • Rental Property
  • Townhomes
  • Apartments
  • Condos
  • Vacant Homes
  • Homes under Construction
  • Fire Policies
  • Umbrella
  • Flood & Earthquake
  • Jewelry, Artwork, etc
  • Multi Policy Discounts are available

Rose Insurance services in Salem, MA and surrounding areas.
Contact Us Today.