The Top 5 Gaps in Massachusetts Homeowners Policies Owners Don’t Realize They Have
Your homeowners insurance policy may feel like a safety net—but in reality, many Massachusetts homeowners are surprised by what’s not covered until it’s too late. At HCC Insurance, we believe in education first. Here are five common gaps that could leave you exposed:
1. Flood Damage
Standard home insurance excludes flood damage. That means storm surge, coastal flooding, and even heavy rainfall infiltration aren’t covered. Only flood insurance (NFIP or private market) can close this gap.
2. Sewer and Drain Backup
A backed-up sump pump or clogged drain can cause thousands in water damage. This isn’t standard but can often be added via an endorsement.
3. Ordinance or Law Coverage
If your home needs to be rebuilt, current building codes may require upgrades your policy doesn’t cover. Ordinance or law coverage ensures you’re not stuck with the bill.
4. High-Value Items
Jewelry, art, and collectibles are often capped at very low limits. A jewelry rider or personal articles floater may be essential.
5. Earthquake Coverage
While not as common in Massachusetts, seismic activity is not covered under standard homeowners insurance. Endorsements are available.
The good news? These gaps can be addressed with endorsements, umbrella coverage, or specialty policies. At HCC, we’ll review your policy line by line to ensure no surprises when disaster strikes.
📞 Call us at (508) 997-3321 today to experience the HCC Difference.