homeowners insurance


Your home provides a shelter from the storms of life, but what happens when that shelter is damaged? Where do you turn? To us.

Should your home ever be damaged, homeowner’s insurance helps put things right. If a guest is injured on your property, homeowner’s insurance provides important protection. Homeowner’s insurance even protects your belongings and detached structures on your property.

Each homeowner has unique needs, and we take the time to understand yours. By gaining insight into your circumstances, we’re able to develop a comprehensive risk management program tailored to fit your situation.

Basic questions for homeowner’s seeking insurance:

  • What’s the replacement cost value of my property? When insuring your home, you need to know what it would cost today to rebuild your home according to current building codes. Your home should be insured for at least this amount. In the event of damage or loss of property, your policy will start to pay out as soon as the deductible is met.

  • What personal property do I want covered by insurance? In order to make the claims process easier, it’s a good idea to create a home inventory before disaster strikes. Most home insurance policies include a separate amount to cover loss of personal belongings once the deductible is met.

  • What happens if a guest is injured on my property? Of course we take precautions to ensure our property is safe, but accidents happen. In the event of an injury to another person, you are legally responsible; that makes personal liability coverage a critical element of any insurance plan.

  • How can I protect detached structures on my property? Sheds, garages, and fences are a few of the structures protected by basic homeowner’s insurance coverage. The amount of coverage you choose for your home will determine the limit on the amount of coverage available for these additional structures.

  • What if I can’t go home? Loss of use coverage provides protection should your home become uninhabitable. This coverage allows you to maintain your standard of living by granting you additional living expenses.

Before the storms of life take their toll, invest in protection for your home. Contact one of our homeowner’s insurance experts to have your needs assessed. We’ll get to know you and take time to understand your unique situation in order to tailor an insurance portfolio that meets all of your needs.


Doherty Insurance Agency
21 Elm Street
Andover, MA. 01810
Telephone: 978-475-0260
Fax: 978-475-0303