92 High Street
Danvers, MA 01923
Tel 978-750-0044
Fax 978-750-8808
Email WilliamLynch@LynchInsurance.com



Home Owners Insurance Q & A
Massachusetts Home Owners Insurance


1. I AM CONFUSED ABOUT THE AMOUNT OF HOMEOWNERS INSURANCE COVERAGE I SHOULD BUY FOR MY HOME. HOW MUCH IS ENOUGH?

2. WHAT IS THE DIFFERENCE BETWEEN ACTUAL CASH VALUE, REPLACEMENT COST AND MODIFIED OR FUNCTIONAL REPLACEMENT COST?

3. MY HOMEOWNERS POLICY CONTAINS COVERAGE FOR SPECIFIC (SCHEDULED)
ITEMS. WHAT HAPPENS AT THE TIME OF A LOSS?

4. MY INSURANCE COMPANY JUST NOTIFIED ME THAT THEY ARE NOT RENEWING MY POLICY. CAN THEY DO THIS AND ARE THEY REQUIRED TO SEND ME A NON-RENEWAL NOTICE BY CERTIFIED MAIL?

5. MY INSURANCE COMPANY DID NOT RENEW MY POLICY. WHERE ELSE COULD I PURCHASE INSURANCE?

6. MY HOME SUSTAINED A WATER LOSS LAST WINTER DUE TO MELTING ICE DAMS ON THE ROOF. WHAT WOULD BE COVERED UNDER MY HOMEOWNERS POLICY?

7. MY HOME WAS RECENTLY BROKEN INTO AND I DO NOT HAVE SALES RECEIPTS FOR THE STOLEN ITEMS. WHAT WILL THE INSURANCE COMPANY ACCEPT FOR PROOF OF OWNERSHIP?

8. WHEN CAN AN INSURANCE COMPANY CANCEL MY HOMEOWNERS COVERAGE DURING THE POLICY TERM?

9. I HAVE SPECIFICALLY INSURED ANTIQUE ITEMS LISTED ON MY HOMEOWNERS POLICY. IF I HAVE A TOTAL LOSS, WOULD THE INSURANCE COMPANY PAY ME THEIR INSURED VALUE?

10. DURING A STORM, A TREE FROM MY NEIGHBOR’S YARD FELL AND DESTROYED MY FENCE. DOES MY HOMEOWNERS POLICY PAY FOR THE DAMAGE OR DOES MY NEIGHBOR’S POLICY?

11. RECENT RAINSTORMS HAVE FLOODED AND DAMAGED MY BASEMENT. IS THERE ANY COVERAGE UNDER MY HOMEOWNERS POLICY?

12. THE FOOD IN MY FREEZER WENT BAD BECAUSE I LOST POWER IN MY HOME. DOES MY HOMEOWNERS POLICY PROVIDE COVERAGE FOR THIS?
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For information about Lynch Insurance please contact:
William Lynch
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