More than just a place to live, your home is one of the biggest investments you’ll ever make. Protecting your home and contents is very important to you and is our primary focus. Quinn Group Insurance Agency’s portfolio of national and regional carriers allows us to offer solutions designed to fit your needs.
We offer comprehensive homeowners protection for single or multi-family homes. Your personal possessions can be covered, with limits from 50 to 75 percent, of the coverage amount on your home, and are covered anywhere in the world. Choose from a variety of deductibles and coverages that will allow you to tailor your policy to fit your lifestyle and your budget.
Homeowners protection offers coverage on a special risk basis under the HO-3 policy. This means that most sudden and accidental events causing physical damage to your home are covered - along with other structures on your property such as a detached garage or tool shed. Furthermore, most homeowners policies are issued on replacement cost basis. Together, we will determine the amount of coverage needed to replace or rebuild your home.
But Wait, There's More - EXTRA COVERAGE
Did you know there were extra coverages included in our policies? These include:
How Is My Personal Property Covered?
Coverage 'Round the World’ - Personal Property Coverage provides worldwide coverage for your furniture, clothes and other personal possessions. Whether it's fire, theft, hail or other peril listed in your policy, you're protected. And, regardless of where you are, you're covered.
Here are some of the items covered for specific amounts within the Personal Property Coverage:
Your personal property losses are settled on an actual cash value basis, which is the amount your property is worth at the time of the loss. You have the option of purchasing Replacement Cost on Contents, which settles your personal property losses on a replacement cost basis rather than an actual cash value basis. You will be paid the amount to replace the items after the deductible. No deduction will be made for depreciation with the replacement cost endorsement on your contents.
Should you be interested in the broadest coverage for your fine arts, jewelry, furs, antiques, and other valuable items, contact Quinn Group Insurance to learn more about Scheduled Personal Property Coverage.
What if I Can't Stay in my Home?
Loss of Use coverage pays for your increased living expenses after a covered loss occurs. So if you can't stay in your home, and need to stay elsewhere temporarily, you're covered.
What Other Kinds of Coverages are Available?
Quinn Group Insurance Agency can meet your insurance needs. From basic coverage to maximum protection, we can put together a package of coverages to meet your specific needs.
Here are optional coverages available to increase your home's protection at an additional charge:
What if Someone Gets Hurt on my Property?
Liability protects you and your relatives who are members of your household if you're legally liable for injuries to other people either on or off your property. Liability also protects you if you accidentally cause damage to someone’s property, up to $500. Your liability will also pay the costs to defend you in lawsuits brought against you. You can choose from a range of limits beginning with $100,000.
Medical Payments to Others covers a person not living in your home that may be injured by you, or gets hurt on your property. It pays reasonable medical expenses, up to $1,000 for each injured person-regardless of fault. Increased coverage is available.
Your homeowners insurance policy includes these additional coverages:
Naturally, not every injury or loss is covered. Read your policy carefully to find all exclusions that apply.
Ways to Save on your Home Insurance
While higher deductibles are available to help you save money, we also offer a variety of special discounts to help lower your rates:
Of course, discounts are subject to underwriting guidelines & eligibility.
Value, Convenience and Performance You Can Trust
When you purchase homeowners insurance from Quinn Group Insurance, you get round-the-clock claim service. If you ever have a loss, or need to discuss an important matter on a claim, you can just pick up the phone and call us at 781-438-3248 or visit us on the Web at www.Quinn Group.com. You'll reach a real, caring person no matter what time of day - or night -you call.