Title: Frequently Asked Questions about Homeowners Insurance | Mass.gov
Headings: Frequently Asked Questions about Homeowners Insurance
Frequently Asked Questions about Homeowners Insurance
I am confused about the amount of insurance coverage that I should buy for my home. How much is enough?
What is the difference betwen actual cash value, replacement cost, and modified or functional replacement cost?
My policy contains coverage for specific (scheduled) items. What happens at the time of a loss?
My insurance company just notified me that they are not renewing my policy. Can they do this?
My insurance company did not renew my policy? Where else could I purchase insurance?
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My home sustained a water loss last winter due to melting ice dams on the roof. What would be covered under my policy?
My home was recently broken into and I do not have sales receipts for the stolen items. What will my insurance company accept for proof of ownership?
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Can my insurer cancel my coverage during the policy term?
I have specifically insured antique items on my policy. If I have a total loss, would my insurance company pay me their insured value?
A tree from my neighbor's yard fell and destroyed my fence. Does my policy pay for the damage or does my neighbor's policy?
Recent rainstorms have flooded and damaged my basement. Is there any coverage under my policy?
The food in my freezer went bad because I lost power in my home. Does my policy provide coverage for this?
I have a dog of a particular breed and was told by some companies that they won't insure me because of my pet. Can they do this?
Does my policy provide coverage for home heating oil spills?
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Content: Under state law (MGL Chapter 175, Section 99 (12)), your policy can be cancelled for these reasons: Non-payment of premium; Material misrepresentation/Fraud; Conviction of a crime arising out of acts increasing the hazard insured against. ( For example, conviction for illegal storage of fireworks); Discovery of willful or reckless acts or omissions by the insured increasing the hazard insured against. ( For example, not getting a gas leak fixed); Physical changes in the property insured which result in the property becoming uninsurable. ( For example, should the home become vacant for more that 60 consecutive days, there is automatically assumed to be a greater exposure to vandalism and damage); and
A determination by the Commissioner of Insurance that continuation of the policy would place the insurance company in violation of the law.