The 6 most common homeowners insurance coverage questions revealed
As a consumer, you have likely been exposed to all kinds of different scenarios where insurance coverage has been either required or recommended.
Whether you are just thinking of buying a place or you have already signed the dotted line, one of the most important types of insurance coverage you will acquire is, of course, homeowners insurance.
At BRZ we work with some of the best homeowners insurance companies, such as Plymouth Rock and Universal Home Insurance, and have put together countless homeowners insurance quotes while guiding a plethora of clients through this process.
Below, we have gathered some of the most common coverage questions regarding purchasing homeowners insurance in Massachusetts:
1. What does homeowners insurance cover, exactly?
Dwelling, i.e. your house. A homeowners insurance quote includes the amount it is estimated you will need to rebuild your home in case it is completely destroyed.
Other structures: coverage for any physical structures on your property that are not attached to your house (e.g. a garden shed, a pool, or a detached garage).
Loss of use: coverage that gives you the ability to stay in a hotel or rental home and provides assistance with living expenses in case your home becomes unlivable due to a variety of causes such as natural disasters.
Personal property: coverage for the total value of your belongings ranging from furniture to electronics and personal items.
Personal liability: coverage for legal fees and medical expenses in case you are at fault for someone being injured and you get sued as a result.
Medical payments to others: coverage for medical bills if a guest or neighbor is injured while on your property.
2. What is the difference between personal liability and medical payments?
Both personal liability and medical payments to others coverage appear to afford you protection in cases of injuries and accidents. However, they actually differ significantly in terms of what they provide. Medical payments is designed for smaller claims and covers you in cases where a guest is injured at your house regardless of whose fault it is. This coverage has a low limit (it often ranges from $1,000-$5,000), but it will take care of less serious situations and will therefore still help you stay out of possible lawsuits. Personal liability is meant to cover you in cases where you are responsible for physical injury or property damage so it has much higher limits (a $100,000-$500,000 range). It even protects you when you are not at home since accidentally causing damage that results in significant medical or legal fees may mean you could risk losing your home. This type of coverage extends to members of your family that live in the same house. Your home is likely your most valuable asset so it is highly recommended that you have both types of coverage in order to sufficiently protect it if an unfortunate situation does take place.
3. How do insurance companies come up with a homeowners insurance estimate?
Insurance carriers work with your agent to provide a homeowners insurance quote for the types of coverage mentioned above depending on the amount of risk they believe you are exposed to, i.e. how likely they believe you are to file a claim. That risk assessment process is called underwriting and it helps ensure your coverage is appropriate for your level of risk. The higher the risk, the more likely you are to have a higher premium although a number of other factors will affect that final number as well. For example, choosing a higher deductible, which is the amount that will come out of your pocket in case of loss, will translate into lower premiums in the meantime.
4. How much does homeowners insurance typically cost?
This one is a hard one because an accurate answer would depend on the interaction between a variety of factors, from your home’s zip code, to your marital status, your choice of deductible, and your past claim history. A homeowners insurance calculator may provide a ballpark figure but to get a better idea of a range of prices that are applicable to you, your finances, and your lifestyle you should contact an agent and request comprehensive quotes.
5. Can I bundle my homeowners insurance and my auto insurance?
Yes! Whether you should do so may depend on being able to get a decent price for both types of policies as well as a discount, i.e. if your premium for the bundled policies is more economic than paying for separate ones. Another reason to bundle may be that you own a high-risk home which some carriers are reluctant to take on so by buying an auto policy in addition to homeowners, you give them more reason to accept you as a client. If you own a boat, you can even add a boat to your bundle and hit three birds with one stone which lends the extra convenience of paying one carrier for all policies. Whether you bundle or not, at BRZ we can assist you with procuring all three types of policies and customize them to your needs. Whenever you make changes to a policy or change carriers, caution should be exercised during the transition so that you don’t have coverage lapses, which can affect your new rate, or face cancellation fees so employing the help of an experienced agent will help make the process smoother and more cost-effective.
6. A friend suggested I need an umbrella insurance policy on top of my homeowners insurance. What is an umbrella insurance policy?
It is sort of like insurance for your insurance. Also known as extra or excess liability insurance, it kicks in to provide coverage that goes beyond the scope defined on your regular home, auto, or boat insurance particularly if you are at an elevated risk for facing a lawsuit. For example, if you get into a particularly expensive car accident where you are at fault and you exhaust the limit of your auto policy, the umbrella policy will help cover the additional costs. Since this kind policy covers scenarios or items which are often not listed on a base policy, it is appropriate for individuals who own multiple or very high value assets (e.g. an expensive home that is worth much more than your liability policy’s limit), those who own items that carry injury risks (from trampolines to dogs), or who take part in activities with an elevated risk of lawsuits (e.g. volunteering or being a landlord). To that end an umbrella policy can additionally protect you against invasion of privacy, slander, libel, and vandalism. Whether you should purchase this kind of coverage to complement your homeowners policy will therefore depend both on whether you fit any of the aforementioned criteria and on your budget so it is best to discuss it with your insurance agent in order to make an informed decision.
Our team knows that insurance choices have a lasting impact on your family’s financial well being so you can never ask us too many questions when it comes to obtaining the right coverage.
Give us a call or, even better, visit us for a cup of coffee and we will answer every single one of them.
We are an insurance company made by people for people. A community that speaks tyour language, with people who care about your future! Here you can find all the protection and care that a home offers. Come and join us!
This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode
Improves website's visuals
This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode
Helps to focus on specific content
This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode
Reduces distractions and improve focus
This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Allows using the site with your screen-reader
This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Visually Pleasing Experience
Adjust Text Colors
Adjust Title Colors
Adjust Background Colors
Big Dark Cursor
Big Light Cursor
February 27, 2024
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience,
regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level.
These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible
to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific
disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML,
adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Screen-reader and keyboard navigation
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with
screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive
a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements,
alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website.
In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels;
descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups),
and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag
for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology.
To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on
as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Disability profiles supported in our website
Epilepsy Safe Mode: this profile enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.
Visually Impaired Mode: this mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.
Cognitive Disability Mode: this mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.
ADHD Friendly Mode: this mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.
Blindness Mode: this mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.
Keyboard Navigation Profile (Motor-Impaired): this profile enables motor-impaired persons to operate the website using the keyboard Tab, Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
Additional UI, design, and readability adjustments
Font adjustments – users, can increase and decrease its size, change its family (type), adjust the spacing, alignment, line height, and more.
Color adjustments – users can select various color contrast profiles such as light, dark, inverted, and monochrome. Additionally, users can swap color schemes of titles, texts, and backgrounds, with over 7 different coloring options.
Animations – epileptic users can stop all running animations with the click of a button. Animations controlled by the interface include videos, GIFs, and CSS flashing transitions.
Content highlighting – users can choose to emphasize important elements such as links and titles. They can also choose to highlight focused or hovered elements only.
Audio muting – users with hearing devices may experience headaches or other issues due to automatic audio playing. This option lets users mute the entire website instantly.
Cognitive disorders – we utilize a search engine that is linked to Wikipedia and Wiktionary, allowing people with cognitive disorders to decipher meanings of phrases, initials, slang, and others.
Additional functions – we provide users the option to change cursor color and size, use a printing mode, enable a virtual keyboard, and many other functions.
Browser and assistive technology compatibility
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Notes, comments, and feedback
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to