Homeowners Insurance

Massachusetts Homeowners Insurance

Chances are, your home is your single biggest financial investment so it’s vital to protect that investment against any perils that your property might face. It’s certainly an investment that we think deserves more than 15 minutes of your time to ensure you have the right coverage at the right price. At Cochrane and Porter Insurance, our goal is to help you get the right Massachusetts homeowners coverage at the right price.



In Massachusetts, homeowners insurance is a package of coverage that protects:

  • Your home, other structures on your property, and the possessions in your home against losses such as fire, storm damage and theft
  • You and your family members from liability arising from bodily harm to others or property damage to other people’s property

Homeowners insurance also provides “additional living expenses” to help with costs should you be displaced from your home in the event of a disaster.

There are some perils that are not included in a standard Massachusetts homeowners policy. For example, you need separate policies to insure against flood or earthquake damage. You may also need additional insurance to cover expensive items, special collections or business assets if you run a business from your home.

These are just some basic, broad brush outlines of homeowners coverage – at Cochrane & Porter, we’d be happy to talk to you about your unique coverage needs for your Massachusetts homeowners insurance. As an independent agency, we are not affiliated with any one insurance provider. In fact, as a member of Renaissance Alliance, we have access to dozens of premier insurance companies from which to choose.  We’ll help you assess your needs and will conduct a search to determine which insurers and what insurance products match up to your specific needs. We’ll also seek any insurance discounts that might be available to you.

Q. Do you only write Massachusetts homeowners policies?

A. No, we can also insure any primary or secondary residences as well as rental properties in New England. Policies, coverage availability, price and discounts can vary by state.

Q. Am I required to carry homeowners insurance in Massachusetts?

A. If you have a mortgage on your home, your lender may require you to carry insurance, but there is no law requiring you to carry homeowners insurance in Massachusetts.  But why wouldn’t protect your investment? The risk really outweighs the cost!

Q. Are there any homeowners insurance discounts available?

A. Yes! Part of our process will be to evaluate your needs and discover those discounts that apply. For example, there are multi-policy discounts, senior discounts, loss free discounts, first-time home buyer discounts, and many more. We’ll scour the market to find the best coverage at the lowest possible price.

This is not intended to be a complete description of coverage … we’d be happy to offer a homeowners insurance quote or to talk to you about your coverage needs.