Massachusetts Renters Insurance
We offer affordable renters insurance policies that have flexibility to meet
your individual needs and above all, provide you with the security that
comes only from the knowledge that your home is safe. If you live in an
apartment or a rented house, a Massachusetts renters insurance policy
covers you and your possessions. A standard renters insurance policy
protects your personal property in many cases of theft
or damage, and may pay for temporary living
expenses if your rental is damaged so seriously you
can't live in it. Renters insurance can also protect
you from personal liability.
The standard Massachusetts renters insurance policy
covers the actual cash value of personal property.
Payments are based on the replacement cost of the
property minus a deduction for physical depreciation
and obsolescence. If you add replacement cost
coverage (for an additional premium), the insurance
company will pay one of the two amounts below,
whichever is lower?
1. The cost to replace the property with a similar
type and quality of property without a deduction for
depreciation.
2. The full cost to repair at the time of the loss.
Massachusetts renters insurance policy is a popular
form of personal insurance and usually contains four
sections: C, D, E, and F:
Coverage C - protects your personal property, (e.g. furniture, CDs, stereo
and clothes). You choose a dollar amount limit (what you think your
possessions are worth) when you purchase a Massachusetts renters
insurance policy.
Coverage D - covers loss of use - the expenses you face when your
apartment can't be used due to an insured loss. This is usually 20% of your
personal property limit.
Coverage E - covers your personal liability claims and suits for bodily injury
or property damage. You choose this limit when you purchase the
Massachusetts renters insurance policy.
Coverage F - pays for medical expenses for minor injuries to others even if
you were not at fault. The policy normally includes limits of $1,000 per
person.
A Massachusetts renters insurance policy covers "named perils" listed on
your policy and usually include the following:
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft,
Vehicles, Smoke, Vandalism, Falling objects, Weight of ice, snow, or sleet,
Accidental discharge or overflow of water or steam, Sudden and accidental
tearing apart, cracking, burning, or bulging, Freezing, Sudden and accidental
damage from artificially generated electrical current , Volcanic eruptions
(doesn't include earthquake or tremors)
Click on the link below to fill out a secure quote request form for a
Massachusetts Renters Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with one of our
Massachusetts Renters Insurance agent specialists at our Lawrence, MA
location by calling (978) 683-4700, Methuen, MA location at (978) 681-8200,
or North Reading location at (978) 276-2300 to discuss the policy features in
more detail.
We are a full service insurance agency with two offices in Essex County, MA and one
office in Middlesex County, MA offering affordable Massachusetts renters insurance
policy premiums in the following cities and counties: Lawrence, Methuen, North
Reading, Haverhill, Andover, Boxford, Georgetown, Groveland, Byfield, Merrimac,
Newbury, Amesbury, Salisbury, Shawsheen Village, Ballardvale, Wamesit, North
Andover, Dracut, Lowell, Chelmsford, Tewksbury, Collinsville, Billerica, River Pines,
Nabnaset, Dunstable, Pepperell, Groton, Tyngsoro, Westford, North Billerica, West
Andover, Wilmington, Silver Lake, Nutting Lake, Reading, Pinehurst, Burlington,
Bedford, Hathorne, Middleton, Lynnfield, Danvers, Hamilton, Topsfield, Plumbush,
Newburyport, Salisbury Beach, West Newbury, South Byfield, Little Neck, Rowley,
Ipswich, Marlboro, South Hamilton, Beverly, Gloucester, Manchester-by-the-sea,
Rockport, Long Beach, Pigeon Cove, Wenham, Boston, Salem, Peabody, Wakefield,
South Lynnfield, Woburn, Saugus, Lexington, Winchester, Stoneham, Greenwood,
Arlington, Medford, Melrose, Everett, Revere, Chelsea, Marblehead, Swampscott,
Nahant, Lynn, Cliftondale, North Saugus, Somerville, Belmont, Cambridge, Waltham,
East Arlington, Concord, Carlisle, Middlesex County, Norfolk County, Worcester
County, Plymouth County, and Suffolk County, MA. We can also offer Massachusetts
renters insurance coverage services throughout the Bay State, including in Worcester,
Framington, Leominster, Fitchburg, and Springfield, MA.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Massachusetts
Personal Insurance
Massachusetts Renters Insurance
T. A. SULLIVAN
AGENCY, INC.
Massachusetts Renters Insurance
Since 1963
T. A. Sullivan Agency, Inc.
Copyright 2001-2012 All rights reserved
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T. A. Sullivan Agency
344 South Union Street
Lawrence, MA 01843
Essex County, Massachusetts
(978) 683-4700
T. A. Sullivan Agency
135 Merrimack Street
Methuen, MA 01844
(978) 681-8200
Fax: (978) 681-7775
T. A. Sullivan Agency
246 Main Street
North Reading, MA 01864
(978) 276-2300
Fax: (978) 276-2302