It’s important to note that some natural disasters are not covered by most standard home insurance policies in Massachusetts.

It will likely cover any necessary repairs or the cost to rebuild your home if it gets destroyed during a disaster that is covered by your insurance policy. Acts of vandalism and theft are also typically covered under a standard policy.ĭwelling and Property: This coverage protects the physical building itself. A standard policy will generally cover your losses in these types of events. Living in New England can bring varied weather events so you may end up with damage from heavy snowfall, hurricanes or even lightening. What Does Standard Homeowners Insurance in Massachusetts Cover?Ī standard homeowners insurance policy in Massachusetts will cover you for such things like if a fire damages the interior or exterior of your home. And living in Massachusetts we all know how quickly the weather can change! It’s also there to protect your peace of mind so you don’t have to worry about the ‘what if’ situations. Besides, having good insurance will protect you against loss due to damage from storms and natural disasters and reduce the amount of money you need to pay for necessary repairs. Some lenders require that you include your home insurance binder and payment as part of your escrow so the lender will be protected if there is ever a significant loss while you are paying your loan back on the property. You can always add more drivers after you have a policy, but they won’t take the test drive, and of course their addition will increase your price.Although there are no laws in Massachusetts requiring a homeowner to purchase home insurance, if you are applying for a mortgage with a lender or bank, you will most likely have to provide them proof of insurance to be qualified. When everyone on the account finishes their test drives, you’ll get your quote. ĭid you forget to add someone when you created your profile? No worries-you can invite drivers to the test drive at any point before your test drive is complete. The other drivers will receive a text message with a link to download the Root app (they have to use this link to be included on your policy).Įach driver will create an account (attached to yours) with their own email address, and will start their test drive. Tap Invite next to each new driver’s name. When you create your profile, you will have the option to add more drivers.Īdd the drivers’ information (scan their license or add manually) and tap Continue.Īfter you complete your profile, you will be taken to the invite screen. Here’s how you invite others to the test drive: Yes, you can add other people to your policy as long as they live at the same address.

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