A Full Service Agency
662 Riverdale St, West Springfield, MA 01089
413-732-4137, 800-642-9386, fax 413-731-6629
Hours 8:30 AM to 4:30 PM Monday - Friday
662 Riverdale St, West Springfield, MA 01089
413-732-4137, 800-642-9386, fax 413-731-6629
Hours 8:30 AM to 4:30 PM Monday - Friday
Homeowners Insurance
A Homeowners policy gives you very broad coverage for your home, your personal possessions, and for protection against lawsuits. Most policies allow you to add special coverage for your insurance needs, provides you with discounts and allows a flexible payment plan.
Please complete this questionaire for an exact quote.
COVERAGES
- Dwelling: We cover your home and any structures attached for most unexpected losses.
- Other Structures: We cover all structures on your property set apart from your home by a clear space for most types of losses.
- Personal Property: We cover personal property owned or used by you anywhere in the world.
- Loss of Use: If you have a covered loss and can't live in your home, we will pay the necessary additional living expenses you incur in order to maintain the standard of living to which your are accustomed.
- Personal Liability: You are protected against a claim or lawsuit by another person for damages due to bodily injury or property damage.
- Medical Payments: We will pay the necessary medical expenses resulting form accidental injury to others.
Additional Coverage Options
- Replacement Cost Protection: This optional protection means your home is insured for the full cost of repairing or replacing it, regardless of how much it costs. The insurance company will pay the full cost of rebuilding your home even if the cost exceeds the limit of your policy.
- Personal Property Replacement Cost: This optional coverage means that if your personal property is damaged or destroyed by a covered claim the insurance company will pay the full cost of repairing or replacing it even if the present cost is more than you originally paid.
- Personal Injury: This optional endorsement extends coverage to you for a loss arising out of one or more of the following offenses: false arrest, libel, slander, or invasion of privacy.
- Additional Protection: This coverage increases the limit the insurance company will pay for a claim on items such as money, watercraft, business property, jewelry, furs, silver, trailers and with some companies sewer back up coverage is also added.
- many other optional coverage may be added please call the office for more information.
Town Rates
Agawam, Chester, East Longmeadow, Ludlow, Longmeadow, Monson, Palmer, Russell, West Springfield, Westfield, Wilbraham
| Dwelling | Other Structures | Personal Property | Loss of use | Liability | Medical Payments | Home Built before 1980 | Home Built 1980 | New Home |
| 80,000 | 8,000 | 32,000 | 16,000 | 300,000 | 1,000 | 136 | 133 | 105 |
| 100,000 | 10,000 | 40,000 | 20,000 | 300,000 | 1,000 | 175 | 160 | 126 |
| 125,000 | 12,500 | 50,000 | 25,000 | 300,000 | 1,000. | 232 | 205 | 169 |
| 150,000 | 15,000 | 60,000 | 30,000 | 300,000 | 1,000 | 288 | 250 | 210 |
| 175,000 | 17,500 | 70,000 | 35,000 | 300,000 | 1,000 | 325 | 281 | 232 |
| 200,000 | 20,000 | 80,000 | 40,000 | 300,000 | 1,000 | 355 | 318 | 256 |
| 225,000 | 22,500 | 90,000 | 45,000 | 300,000 | 1,000 | 379 | 344 | 280 |
| 250,000 | 25,000 | 100,000 | 50,000 | 300,000 | 1,000 | 402 | 368 | 305 |
| 275,000 | 27,500 | 110,000 | 55,000 | 300,000 | 1,000 | 418 | 386 | 328 |
| 300,000 | 30,000 | 120,000 | 60,000 | 300,000 | 1,000 | 427 | 403 | 351 |
| 350,000 | 35,000 | 140,000 | 70,000 | 300,000 | 1,000 | 527 | 432 | 378 |
| 400,000 | 40,000 | 160,000 | 80,000 | 300,000 | 1,000 | 629 | 496 | 403 |
Prices are based on a single family home in excellent condition with a $250 deductible and insurance to replacement cost with no claims, dogs, pools or smokers. 2, 3 and 4 family homes are slightly higher.
Optional Coverage's
- $250 deductible add 10% to 15%
- Replacement contents plus 10 to 13%
- increased limit for jewelry, furs, silver, guns, money, sewer back up, power failure for spoiled food, lock replacement and much more. yearly cost $20 to $30
- Home run business Liability
- Increase Personal Liability to $500,000 $3 to $4
Additional Discounts
- 10% discount may apply if we provide both auto and home insurance in the same company
- Central Station Burglar and or Fire Alarm
Chicopee
| Dwelling | Other Structures | Personal Property | Loss of use | Liability | Medical Payments | Home built 1980 and older | New Home |
| 80,000 | 8,000 | 32,000 | 16,000 | 300,000 | 1,000 | 136 | 119 |
| 100,000 | 10,000 | 40,000 | 20,000 | 300,000 | 1,000 | 175 | 152 |
| 125,000 | 12,500 | 50,000 | 25,000 | 300,000 | 1,000. | 221 | 199 |
| 150,000 | 15,000 | 60,000 | 30,000 | 300,000 | 1,000 | 271 | 244 |
| 175,000 | 17,500 | 70,000 | 35,000 | 300,000 | 1,000 | 306 | 270 |
| 200,000 | 20,000 | 80,000 | 40,000 | 300,000 | 1,000 | 336 | 289 |
| 225,000 | 22,500 | 90,000 | 45,000 | 300,000 | 1,000 | 361 | 317 |
| 250,000 | 25,000 | 100,000 | 50,000 | 300,000 | 1,000 | 383 | 296 |
| 275,000 | 27,500 | 110,000 | 55,000 | 300,000 | 1,000 | 397 | 373 |
| 300,000 | 30,000 | 120,000 | 60,000 | 300,000 | 1,000 | 406 | 400 |
| 350,000 | 35,000 | 140,000 | 70,000 | 300,000 | 1,000 | 502 | 433 |
| 400,000 | 40,000 | 160,000 | 80,000 | 300,000 | 1,000 | 599 | 474 |
Prices are based on a single family home in excellent condition with a $500 deductible and insurance to replacement cost with no claims, wood stove, pool or smokers. 2, 3 and 4 family homes are a slightly higher rate.
Optional Coverage's
- $250 Deductible add 10 to 15%
- Replacement contents plus 10 to 13%
- increased limit for jewelry, furs, silver, guns, money, loss of food due to power failure, lock replacement do to burglary, sewer back up and much more. Yearly premium $20 to $30
- Home run business Liability
- Increase Personal Liability to $500,000 add $3 to $4.
Discounts
- 10% discount may apply if we provide both auto and home insurance in the same company
- Central Station Burglar and or Fire Alarm
Holyoke
| Dwelling | Other Structures | Personal Property | Loss of use | Liability | Medical Payments | Home built 1980 and older | New Home |
| 80,000 | 8,000 | 32,000 | 20,000 | 300,000 | 1,000 | 136 | 119 |
| 100,000 | 10,000 | 40,000 | 20,000 | 300,000 | 1,000 | 175 | 143 |
| 125,000 | 12,500 | 50,000 | 25,000 | 300,000 | 1,000. | 232 | 191 |
| 150,000 | 15,000 | 60,000 | 30,000 | 300,000 | 1,000 | 288 | 237 |
| 175,000 | 17,500 | 70,000 | 35,000 | 300,000 | 1,000 | 325 | 263 |
| 200,000 | 20,000 | 80,000 | 40,000 | 300,000 | 1,000 | 355 | 291 |
| 225,000 | 22,500 | 90,000 | 45,000 | 300,000 | 1,000 | 379 | 318 |
| 250,000 | 25,000 | 100,000 | 50,000 | 300,000 | 1,000 | 402 | 346 |
| 275,000 | 27,500 | 110,000 | 55,000 | 300,000 | 1,000 | 418 | 373 |
| 300,000 | 30,000 | 120,000 | 60,000 | 300,000 | 1,000 | 427 | 401 |
| 350,000 | 35,000 | 140,000 | 70,000 | 300,000 | 1,000 | 527 | 431 |
| 400,000 | 40,000 | 160,000 | 80,000 | 300,000 | 1,000 | 629 | 460 |
Prices are based on a single family home in excellent condition with a $500 deductible and insurance to replacement cost with no claims, pool, wood stove and no smoker. 2, 3 and 4 family home has a slightly higher rate.
Optional Coverage's
- $250 deductible add 10 to 15%
- Replacement contents plus 10 to 13%
- increased limit for jewelry, furs, silver, guns, money, loss of food due to power failure, lock replacement due to burglar, sewer backup and much more. Yearly premium $20 to $30
- Home run business Liability
- Increase Personal Liability to $500,000 add $3 to $4.
Additional Discounts
- 10% discount may apply if we provide both auto and home insurance in the same company
- Central Station Burglar and or Fire Alarm
Springfield
| Dwelling | Other Structures | Personal Property | Loss of use | Liability | Medical Payments | Annual Cost |
| 100,000 | 10,000 | 40,000 | 20,000 | 300,000 | 1,000 | 195 |
| 125,000 | 12,500 | 50,000 | 25,000 | 300,000 | 1,000. | 257 |
| 150,000 | 15,000 | 60,000 | 30,000 | 300,000 | 1,000 | 320 |
| 175,000 | 17,500 | 70,000 | 35,000 | 300,000 | 1,000 | 361 |
| 200,000 | 20,000 | 80,000 | 40,000 | 300,000 | 1,000 | 399 |
| 250,000 | 25,000 | 100,000 | 50,000 | 300,000 | 1,000 | 452 |
| 300,000 | 30,000 | 120,000 | 60,000 | 300,000 | 1,000 | 475 |
| 350,000 | 35,000 | 140,000 | 70,000 | 300,000 | 1,000 | 593 |
| 400,000 | 40,000 | 160,000 | 80,000 | 300,000 | 1,000 | 705 |
| 500,000 | 50,000 | 200,000 | 100,000 | 300,000 | 1,000 | 989 |
Prices are based on a single family home in excellent condition with a $500 deductible at replacement cost with no claims, dogs, pools or smokers and a burglar alarm. Updated house 2, 3 and 4 family homes are slightly higher.
Optional Coverage's
- $250 deductible add 10% to 15%
- Replacement contents plus 10 to 13%
- increased limit for jewelry, furs, silver, guns, money, sewer back up, power failure for spoiled food, lock replacement and much more. yearly cost $20 to $30
- Home run business Liability
- Increase Personal Liability to $500,000 $3 to $4
Additional Discounts
- 10% discount may apply if we provide both auto and home insurance in the same company
Rates & Quotes
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