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Homeowners Insurance & More
As part of the New England community, we understand your Property insurance needs. Whether you’re an individual just buying your first home, a growing family in need of a larger house, or looking for a vacation getaway, we’re here to help protect your property.
We have the expertise, team, service, and insurance partners to provide affordable, comprehensive insurance products.
Homeowners
Your home is your haven – it’s likely one of the biggest investments you’ll make. Providing you with peace-of-mind protection in the event of property damage or an accident on your premises is our focus at Berlin Insurance.
This means properly covering your home and contents for Replacement Cost value so you can rebuild at today’s cost. Our staff will also help to evaluate your assets to provide you with sufficient Liability insurance and extend that coverage for catastrophic losses with a Personal Umbrella policy.
If you live near or on the coast, your mortgage lender may require you to have Excess Flood, Wind, or Hail insurance. Whether your primary home, vacation home, or investment property is along the coast, we will work with our partners to provide you with an insurance policy designed to meet your needs.
Secondary/Seasonal Homes
You may have a vacation home on the Cape, in the Berkshires, or Kennebunkport. Or perhaps you own a triple-decker apartment building in Boston as an investment property. Our staff will review your specific circumstances to determine the right policy for you.
We can provide a policy to protect against property damage and liability risks. If you rent your secondary home, we can discuss what coverages you need to protect against loss. Investment properties also require specialized landlord coverage to protect against liability, loss of income, and structural damage.
Your renters should also be carrying insurance to protect their personal belongings in the event of a loss or if a third party is hurt in the house while visiting. We can provide Renters insurance for your tenants.
Personal Articles and Collectibles
Standard Homeowners insurance provides a limited amount for fine arts and collectibles such as jewelry. Whether you have a curated art or wine collection or a few pieces of precious family heirlooms, we can provide customized protection.
You can either opt to schedule each item with known values or purchase blanket coverage for a wider collection of lower-value items. Protection typically applies worldwide.
Vacant Land
It is critical to protect yourself financially if you own a piece of property for personal or investment purposes. Vacant Land insurance covers undeveloped, unoccupied land.
Unlike traditional Homeowners policies that protect structures and contents, Vacant Land insurance focuses on the land itself, safeguarding against potential risks such as vandalism, natural disasters, trespassing, or liability claims arising from injuries on the property.
Flood Insurance
Because Homeowners insurance does not cover losses from flooding, you need to purchase separate coverage. We can provide you with a basic Flood insurance policy to cover direct physical damage to your property up to $250,000 and additional coverage up to $100,000 to cover your personal contents.
Excess Flood insurance policies are also available for high-value homes and their contents. An Excess policy can also pay for living expenses away from home while the damaged structure is repaired.