Personal Home 2017-01-14T18:59:02+00:00

New England Homeowners & Renters Insurance

Ellis Insurance is committed to providing just the right insurance coverage for your home and personal needs. Our firm has been serving clients across New England and in New York for over 20 years. We specialize in designing insurance strategies that provide ample property coverage while limiting your exposure to unknown risks like personal liability. Whether you’re renting an apartment or have just bought an estate home – our wide range of home insurance packages will protect your investment in your home, vacation property, boat, and valuables.

If you are considering scheduling jewelry, fine arts, furs, china, or any other high value items, it has never been easier to get Scheduled Valuable Possessions coverage. Items can be scheduled on an individual or blanket basis, and when an item is scheduled, no deductible is applied to a claim. For more expensive items, Ellis Insurance may recommend Chubb for convenience and quality of service: Chubb may not require appraisals for items with an individual value under $25,000.

In fact, all the insurance companies we represent excel in customer service, claims settlement and are financially stable. Does your current insurance provide sufficient coverage for your valuables? Have you made improvements to your home over the years? We are committed to answering all your home and personal insurance questions – if you don’t find what you need here, contact us.

 

Not sure what coverage options are right for you? Contact us for more information on homeowner’s insurance, a quotation, or an Insurance Tune-up on your existing insurance.

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Beyond the Basics

Did you know that almost two out of three homeowners are underinsured? Look at your neighbor to the left and your neighbor to the right. One of the three of you is likely to be underinsured by 20%. That translates to self-insuring $20k for every $100k of your home’s value.

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While the current market value of your home may be lower than you’d like, the cost to rebuild may be higher than you think. Here are some helpful tips to keep your home insurance up to date as you make changes to your home over time.

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How is a home’s replacement cost determined and why is it important? What are some differences between a home’s Estimated Replacement Cost and a home’s Market Value? Find out the answers to these and other questions.

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The typical Homeowners Policy provides coverage to your home and other structures under an open perils policy, giving coverage for your loss unless a listed exclusion applies to the cause of loss. And while most policies cover wind damage, they only cover water damage that is a direct result of rain entering though a wind-damaged area. Huh? We’ve put together a list of frequently asked questions, FAQs, that address most common situations.

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Ice dams occur when ice builds up along the eaves of your roof. Ice dams form when snow and
ice melt off the main part of your roof and refreeze when they reach the eaves. This happens because the eaves (the overhangs at the edge of your roof) tend to be colder than the rest of the roof.

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Disasters may be unpredictable, but planning for them can help protect you and your loved ones in the event of an unspeakable calamity. Just as importantly, a plan can help you recover.

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Massachusetts has a new law effective July 1, 2010 to address oil leaks from your home heating system. If you heat your home with oil, this new law may require action on your part prior to Sept. 30, 2011. It also makes new insurance coverage available to you.

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The state of Massachusetts has developed the Homestead Act to help protect your primary residence against third-party claims. There are many situations where you may not have the appropriate coverage, or where you may get sued for more than the amount of coverage that you carry. It is a very real possibility that your assets, including your house, would be vulnerable in a large personal injury settlement.

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Purchasing a comprehensive policy designed specifically for condominium owners is a solid foundation for your personal insurance needs. There are bound to be some gaps in coverage here and there – that’s where endorsements come into play. Endorsements are attachments to your policy that either add coverage or expand the limits of existing coverage.

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There has been an explosion in the number of home-based businesses in recent years – but an alarming number of home business owners aren’t properly insured.

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Most of us don’t have the time (or inclination) to sit down and prepare a cost/benefit analysis on our home insurance. And unless you’re receiving Ellis Insurance’s brand of exceptional service and intelligent insurance, selecting home insurance may amount to throwing darts at a wall and hoping for the best.

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