East Boston Home Insurance

Your home - there is no place like it. The John M. Biggio Insurance Company can provide you with the security and piece of mind only a solid home insurance policy can give. We have been helping our clients in East Boston feel secure for the past 50 years. From day one, we will tailor your East Boston home insurance policy to help protect your home and the possessions inside of it. Most home insurance policies protect the structure of the house as well as its contents — including among others items electrical equipment, clothes, art work and furniture. Also, home insurance offers protection for the liability incurred by the bodily injury or property damage caused to others in your home.

We offer four principal types of home insurance to East Boston residents. These four by their names explain their appropriate use: Primary Home Insurance, Secondary Home Insurance, Rental Property Insurance and Condominium Insurance. There is home insurance for every person’s need, including for the renter and condo owner who only need to protect their possessions and not the structure of their living space. All these types of home insurance cover liability risks too.

The John M. Biggio Insurance Company has insured hundreds of East Boston condos with home insurance. The insurance needs of a condo owner differ from those of a home owner. Whereas a home owner has to insure their physical structure and potential liabilities deriving from ownership of it, the condo owner’s structure is part of a shared building which is covered along with the common areas by the associations master policy. This master policy also covers the condo association's liability. However, the master policy does not cover the unit owner's personal belongings in the condo if they are damaged by vandalism, theft or fire nor the liabilities incurred within their unit. This responsibility falls on the condo owner and his own home insurance policy.

Supplemental Insurance, a fancy term for insurance that covers additional areas of exposure, can be added to home insurance. The most commonly added supplemental home insurance Agent is flood insurance.

We offers our clients a host of different discounts on their home insurance policies.. Among these discounts are those for: security systems, non smokers, location a half a mile from the coast, system updates including heat and electrical, roofing update, lack of past losses, among many others. The super select discount which goes to the clients who for a host of reasons are least apt to incur a loss. Above and beyond these discounts on home insurance policies are those given by insurers to people that bundle multiple different insurances, such as home insurance and auto insurance with one carrier.

Often East Boston residents purchase an umbrella policy to add an extra layer of coverage above the amount of protection provided by their home insurance and personal auto policies. Personal umbrella liability insurance acts like an umbrella, sitting on top of your existing policies and providing extra protection. It is a terrible truth that lawsuits occur and often having an umbrella policy sitting on top of your home insurance policy is what home and condo owners need to adequately protect their assets. We can ensure that you have the right amount of coverage.