Homeowners Insurance

Your home is likely one of your most important assets. A homeowners policy not only protects your home against theft, fire, vandalism, and weather-related and other losses, but it also covers your personal belongings and some personal liabilities and financial responsibilities if someone is injured on your property.

You can also add special options to your homeowners policy to cover things such as:

  • Earthquake
  • Flood (separate policy)
  • Home Office Business
  • Identity Theft
  • Jewelry/Silverware
  • Water Backup/Sump Overflow
  • Watercraft

Your Bearingstar agent has a full understanding of homeowners insurance and can guide you through the process of selecting the best coverage for you, and will provide you with options for any additional protection you may need. And you may save money when you combine your homeowners policy with your auto policy.

Please be aware that this information is offered for general purposes. It is not a legal definition of any policy, many of which vary slightly, and is not a substitute for reading and understanding your own policy.

Massachusetts Home Discounts

When applying for a homeowners quote, your Bearingstar Insurance agent will assist you in identifying all your eligible discounts.

Auto Rewards: Insure your car and home together and you could save on your home, condo,  or renters insurance

Renew and Save: A loyalty credit provides savings on condo and renters insurance every year you renew your policy. And, the discount may increase if you insure your auto with your home, condo or renters policy

New Home Credit: The new home credit reduces the cost of your home insurance, and you may be able to continue to earn discounts until your home is 10 years old

New Condo Policy Credit: A credit for purchasing a new condo may help you save on your policy

MAHA Workshop Savings: First-time homebuyers who attend a Massachusetts Affordable Housing Alliance (MAHA) Workshop can save on some homeowners insurance policies for up to two years

Protective Devices: Save on your homeowners insurance by installing protective devices, such as burglar alarms and/or automatic sprinklers

Residence Safety Package: Save on your policy if your home has smoke detectors, deadlocks, and fire extinguishers

Employee Group Programs: Based on either your employer or affiliation with a professional association, you may qualify for special group discounted rates

Connecticut Home Discounts

When applying for a homeowners quote, your Bearingstar Insurance agent will assist you in identifying all your eligible discounts.

Auto Rewards For Homeowners: Insure your car and home with the same company and you could save on your homeowners insurance

First-Time Condo Credit: If you qualify, a new condo credit could help you save on your policy

New Home Credit: The new home credit reduces the cost of your home insurance, and you may be able to continue to earn discounts until your home is 10 years old

Protective Devices: Save on your homeowners insurance by installing protective devices, such as burglar alarms, smoke detectors, and/or automatic sprinklers

Safe Home Credits: These are often available if you do not have smokers, dogs, woodstoves, a swimming pool, or a trampoline on the premises

Employee Group Programs: Based on either your employer or affiliation with a professional association, you may qualify for special group discounted rates