Your Trusted MA Homeowner Insurance Company
Your home is your most valued asset, a roof over your family’s head, and a place of growth, celebration and comfort. Protecting your home and the people who live there with the right homeowners insurance policy is essential to providing security for today and the days ahead.
Whether you own or rent your home, or live in a condo or mobile home, our experienced agents will make sure you have the right policy to cover the structure of your home and the contents within it. In the event of disaster or accident, your homeowners insurance policy will also provide liability coverage and additional living expenses for your family.
We are fully trained and licensed in Massachusetts and most New England states to find the homeowners insurance policy tailored to meet your specific needs. Our insurance agency on the North Shore, having served Peabody, Danvers, Beverly, Salem and beyond for over two decades, can help guide you in the right direction when choosing your homeowners insurance. Please don’t hesitate to contact us with any questions.
Homeowners Insurance Key Facts
Most standard homeowners insurance covers four elements: your home’s structure, personal belongings, liability protection and additional living expenses. Coverage options exist depending on the level of protection you want, and whether you own or rent your home.
If you finance the purchase of your home with a mortgage, your lender will require you to get homeowners insurance. Financial institutions may also require you to obtain flood or earthquake insurance depending on the region where you live.
If you own a second home or vacation home, your insurance costs will be determined by factors such as: location, type of property, and any extra amenities you own that may add risk.
Frequently Asked Questions
I just purchased my first home. How much homeowners insurance should I have?
How does Actual Cash Value (ACV) affect a homeowners’ insurance claim?
Do I need a separate boat insurance policy or is my boat covered under my home insurance policy?
How is condo insurance different from homeowners’ insurance?
Home Insurance Service Area
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At Phil Richard Insurance, we don’t believe in wasted time or money. If you’re here, you’re looking for savings, advice, and options. We provide all three. Please fill out the form below and someone will be in touch with you shortly.
27 Garden Street
Danvers, MA 01923
Monday: 9am – 4:30pm
Tuesday: 9am – 4:30pm
Wednesday: 9am – 4:30pm
Thursday: 9am – 4:30pm
Friday: 9am – 4:30pm
Sat – Sun: Closed