"I was able to get the best possible rate on both home and auto insurance"
Ride safe and get the coverage you need
For your homeowners insurance, you will need enough insurance to cover the cost of rebuilding your home at current construction costs. You don’t need to include the cost of the land, and you do not need to base your rebuilding costs on the amount you paid for your house. The price of rebuilding could be more or less than the cost you paid or the current market value.
Most mortgage companies require you to buy homeowners insurance. If the limit of your insurance policy is based on your mortgage, make sure it’s enough to cover the cost of rebuilding.
For a quick estimate of the replacement cost of your house, multiply the total square footage of your home by local building costs per square foot. To find out construction costs in your community, call us at 978-473-3363.
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Motocycle insurance Explained
Chances are, you'll find the answer in our FAQs. Here are some of the more common questions we get asked:
To determine your insurance coverage and costs, we take a thorough look into your insurance needs. Your rates are based off of the year, make and model of your motorcycle, your age, your driving record, location of where you reside, and training courses.
Most insurance companies offer discounts from 10-15% on motorcycle policies for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course.
Maintaining a good driving record with no violations will also help reduce your premiums.
Different discounts include: Multi-bike discounts for those insuring more than one bike, organization discounts (if you’re a member of a motorcycle association) and mature rider discounts for experienced riders. Availability and qualifications for discounts vary from company to company and state to state.
Custom Parts and Equipment: If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Roadside Assistance: Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Liability Coverage: You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
Medical Coverage: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.