Home Insurance
Here at Marquis & Coughlan Insurance Agency, we recognize the importance of protecting your home, and those who live within it, with dependable homeowners insurance.
At Marquis & Coughlan Insurance Agency we are dedicated to helping you each and every step of the way, and are here to guide you through this essential policy decision. In order to secure you the appropriate home insurance strategy, it is important that we take the time to accurately recognize your individual insurance needs—because let’s face it, every home and homeowner is unique.
As a local independent insurance agency we have the ability to shop multiple insurance carriers, resulting in high-quality home insurance at competitive rates—no matter where you are located across the state—we’re here to help you protect what matters most!
Typical coverage packages for homeowners insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expense (in the event of covered loss or a natural disaster)
- Personal Liability
Questioning the need for enhanced security? Need increased coverage, for unique exposures vulnerable within your average homeowner’s insurance policy? Don’t hesitate to ask one of our insurance professionals about further endorsements you can purchase to strengthen your homeowners insurance! Clients can benefit from additional coverage options, which may include:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
At Marquis & Coughlan Insurance Agency, we know what may work for one homeowner, won’t necessarily work for you. We aim to create custom homeowners insurance packages that reflect the distinct needs of you, your family and your specific home. Use the quote form below to contact us today to start the process and get your homeowners insurance quote.
Home Insurance FAQs
Should I purchase flood coverage?
If your property lies in a flood plain as determined by US Government Flood Maps, ask your independent agent about a flood quote.
What is “replacement cost”?
When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.
Does homeowners insurance cover damage from falling tree branches?
Homeowners insurance may help cover damage caused by falling tree branches if the damage results from a covered event, such as a windstorm or lightning. Coverage depends on your policy, deductible, and the cause of the damage.
Does homeowners insurance cover personal items in my garage?
In many cases, personal belongings stored in your garage are covered under your personal property coverage if they’re damaged by a covered loss. Coverage limits and exclusions vary, so it’s important to understand what your policy includes.
Does homeowners insurance cover damage from falling tree branches?
Homeowners insurance may help cover damage caused by falling tree branches if the damage results from a covered event, such as a windstorm or lightning. Coverage depends on your policy, deductible, and the cause of the damage.
What can affect my homeowners insurance rates?
Several factors can influence the cost of your homeowners insurance, including your home’s age, location, size, construction materials, claims history, and deductible. If you’re looking for homeowners insurance in Methuen, we can help you compare coverage options and available discounts.
What should I do after making home upgrades?
Home improvements like replacing your roof, remodeling your kitchen, or adding living space can affect your insurance needs. Updating your homeowners insurance after major improvements can help ensure your home is properly protected.
Does homeowners insurance cover my deck or patio?
Attached decks, patios, and porches are generally covered as part of your dwelling coverage if they’re damaged by a covered event. Homeowners in Massachusetts should review their policy to better understand their coverage limits.
Can my homeowners insurance policy be customized?
Yes. Many insurance companies offer optional coverages and endorsements that allow you to tailor your policy to your specific needs. Whether you want additional protection for valuables or added liability coverage, there are often options available.
When is the best time to review my homeowners insurance?
It’s a good idea to review your homeowners insurance whenever your circumstances change, such as after buying a home, completing renovations, or making major purchases. If you live in Methuen, we’re here to help you review your policy and make sure your coverage still fits your needs.
GET IN TOUCH!
Contact us today to learn more about insuring your new venture or
to review your existing policy.
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.
147 Lowell Street
Methuen, MA 01844
Licensed to write policies in MA, ME & NH
Hours
Monday-Tuesday: 9:00am - 5:00pm
Wednesday: 9:00am -3:00pm
Thursday-Friday: 9:00am - 5:00pm
Closed on Weekends and Holidays
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