Homeowners Insurance

Because you should always feel protected in your home.

Why You Need Homeowners Insurance

There’s a reason you call it a home and not a house — not just four walls, a home is a place for you and your family to come together, to create memories, and most importantly, to feel safe. But what happens when unexpected damage or disaster strikes? The last thing you need on top of the emotional stress is the stress of unclaimed assets, a policy with limited coverage, or the worst yet: waiting on hold. 

At Doherty Insurance, we understand that your home is one of your most valuable assets for more reasons than one. That’s why in the event of damage or destruction from fires, theft, water, lightning, wind, rain, and more, we make sure your home insurance policy will cover the costs associated with most losses. 

And not just in the event of a damage or disaster — if a guest is injured while on your property, a comprehensive homeowners insurance policy can help cover costs related to a lawsuit that may arise. Because you shouldn’t have to worry while hosting company in your own home.

The Doherty Difference

And just like every home may have its own touches, its own trim or carpeting or countertops, we know no two homes are alike. Which is why the homeowners insurance policies we provide follow suit and are customized to fit your individual needs. When it comes to determining the right policy for you, we take into consideration where you live, the size of your home, the contents of your home, the alarms and safety devices you have, as well as your tolerance for risk. At Doherty Insurance, we take the time to understand your needs and circumstances and strive to develop a comprehensive home insurance policy that is right for you.

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The Doherty Glossary

What does a typical homeowners insurance policy cover?


The actual structure of your home, including you garage.


Your personal property, or “stuff”, inside your home.

Additional Living Expenses

Covers the additional costs of living you would incur should you be temporarily displaced from your place of residence.

Personal Liability

Covers medical bills, legal fees and more if a guest is accidentally injured on your property, resulting in bodily injury or property damage that you are held legally responsible for. 

Scheduled Jewelry and Valuable Artwork

A supplemental insurance policy that extends your coverage beyond the standard homeowners insurance coverage, so you can ensure the full-value coverage of expensive items like jewelry or fine arts in the event of a claim.

What other homeowners insurance add-ons should you consider?
  • Earthquake
  • Mold Removal
  • Water Backup
What should I come prepared with when calling for a quote?
  • Name of the Deeded owner of the property
  • Address
  • Age of the home
  • Square footage
  • Any claims paid in the past 5 years
  • If the house is over 25 years of age, update on the: roof, heating system, plumbing & electrical
  • If a condo, how many units in the building?
How can I save money on my homeowners insurance?
  • Bundling you Auto and Home Insurance with us — Can save up to 15%
  • Home Security System — Can Save up to 10%
  • Take a higher deductible — Can save up to 10%

Make sure your home value is correct — Can be immeasurable at the time of a loss

Call us! We’ll walk you through it, you’ll learn things you don’t know about saving money on your homeowners insurance.

Helpful Resources
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How to take a home inventory
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How to value your jewelry and Artwork