There is no question your home is one of the most significant assets you’ve ever owned.
So, what is the best way to safeguard your property and all the personal belongings and important people inside? Collaborate with the Bearingstar team. As local insurance professionals, we have exceptional knowledge of the threats most likely to impact Massachusetts and Connecticut homeowners and their properties and will assist you in carefully planning out a home insurance solution with coverages and options tailored to protect one of your most valuable investments.
Your Home Insurance Should Provide Peace of Mind
You deserve the opportunity to select appropriate homeowners solutions that will offer protection against a wide variety of property and liability risks. At Bearingstar, we take a collaborative approach with clients to ensure they get all the information they need to make educated decisions about their home insurance. This includes assessing the greatest threats to your property today and those that could emerge in the future, as well as evaluating the cost to replace your home and belongings if a catastrophe occurs. Based on what we uncover, we may recommend that you enhance your standard home insurance policy with one or more of the following endorsements and policies:
- Earthquake Insurance
- Escaped Liquid Fuel Oil Endorsement
- Flood Insurance
- Guaranteed Replacement Cost Coverage
- Home-Based Business Insurance
- Home Cyber Protection Coverage
- Home Systems Protection with Service Line Coverage
- Identity Recovery Coverage
- Scheduled Personal Property Endorsement
- Umbrella Insurance
- Water Back-Up and Sump Overflow Endorsement
Uncover the Ways You Can Save on Home Insurance
The top priority for our team will always be to make sure your homeowners policy includes appropriate coverages to help support you financially in the event of a claim. However, we also want to offer these home insurance options at competitive rates. To do that, we look for ways you may be able to save money today and in the long run. Following are just some of the discounts and credits you may be eligible for:
- Bundle & Save Discount
- Protective Devices and Alarm Services Discount
- New Home Credit
- Customer Loyalty Credit
- Hardwired Generator Credit
- Non-Smokers Endorsement Credit
What Else Do You Want to Know About a Homeowners Policy?
One of our main goals at Bearingstar is to make sure insurance is never complicated or confusing. Below, we provide simple and straightforward answers to a few of the most common home insurance questions we get from clients.
How Does Home Insurance Work?
In a typical homeowners policy, there are six main coverage areas—Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability, and Medical Payments—that together provide broad property and liability protection.
What Does Home Insurance Cover?
There are a variety of disasters that can cause damage to your property. Thankfully, home insurance may provide coverage for around 16 common hazards, including fire, lightning, theft, and falling objects like trees.
How Much Does Home Insurance Cost?
While there are many factors insurers use when setting a homeowner’s policy premium, the primary variable is a home’s replacement value, which is the actual cost to rebuild a house to its pre-loss condition if it is destroyed.
This Is What We Love to Do
Educating customers on how to protect what is most important to them, providing insurance solutions that are easy to understand and competitively priced, and backing it all up with exemplary service—these are the things every Bearingstar team member is passionate about.
What Makes Bearingstar Different?
At our core, we are an agency focused on making a positive difference in the lives of people, from the customers and communities we serve to our employees working and living across Massachusetts and Connecticut. Click on any of the company principles to the right to learn more about how we strive to fulfill our collective personal and professional mission every day.
People FirstGood CitizenshipDiversity & InclusionStrength & SecurityBest-in-Class Performance
We always prioritize the person (not the transaction) and focus on building enduring relationships with customers and employees through positive, caring, and respectful interactions.
We take great pleasure in collaborating with people and organizations in the communities we serve and enjoy engaging in opportunities that allow us to give back and make an impact.
We are strongly committed to meeting the needs of the diverse individuals, families, business owners, and employees we support.
We have been here for our customers for over 25 years, and being backed by a long-standing and financially stable mutual assurance company means we are here for the long term.
We constantly seek new ideas, opportunities, and methods of doing business to ensure that we remain the benchmark for responsiveness and adaptability to customers’ ever-evolving needs.
