What Does Homeowners Insurance Cover in Boston? Hennigan Insurance Explains

Owning a home in Boston — whether it’s a classic triple-decker in Dorchester or a colonial in West Roxbury — is a dream come true for many. But with harsh New England winters, unpredictable coastal storms, and the everyday risks of homeownership, protecting that dream is essential. That’s where homeowners insurance comes in.

At Hennigan Insurance, we’ve been helping Boston-area families safeguard their homes since 1926. Let’s break down what homeowners insurance typically covers, what it doesn’t, and why working with an experienced local agency like ours makes all the difference.

What Does Standard Homeowners Insurance Cover?

A typical homeowners insurance policy in Massachusetts includes several core protections.

Dwelling Protection

This covers damage to the structure of your home itself — from the roof and walls to attached garages and built-in appliances. Common covered risks (also known as “perils”) include fire and smoke damage, windstorms and hail, lightning strikes, vandalism, theft, and damage from falling objects like tree limbs.

Other Structures Protection

Think fences, sheds, detached garages, and even driveways — this part of your policy covers structures on your property that aren’t attached to your main house.

Personal Property Coverage

This protects your belongings inside the home, such as furniture, clothing, electronics, and appliances. If a kitchen fire destroys your cabinets and your favorite sectional, personal property coverage helps replace them.

Tip: High-value items like jewelry, fine art, or collectibles often require additional “scheduled” coverage to be fully protected.

Liability Protection

If someone is injured on your property or you accidentally cause damage to someone else’s property, liability coverage can help pay for medical expenses, legal fees, and settlements. For example, if a guest slips on your icy front steps during a Boston winter, this protection can be crucial.

Additional Living Expenses (ALE)

If your home becomes unlivable due to a covered loss, such as a severe fire, ALE coverage helps pay for hotel stays, meals, and other living expenses while repairs are underway.

What’s Usually Not Covered?

Standard homeowners insurance doesn’t cover everything. Common exclusions include flood damage (which requires separate flood insurance), earthquake damage (available as an optional add-on), wear and tear or maintenance issues, and sewer or drain backups (which may require an additional endorsement).

Living in a coastal area like Greater Boston means flood insurance might be especially important, particularly in neighborhoods close to the harbor or rivers.

Why Work With Hennigan Insurance?

Buying homeowners insurance online can be convenient, but there’s no substitute for working with an experienced, local agency that understands Boston’s unique risks.

At Hennigan Insurance, we don’t just sell policies — we build long-term relationships. Our West Roxbury team knows the nuances of Boston neighborhoods, from the tree-lined streets of Jamaica Plain to the historic brownstones in the South End. We help ensure you get the right coverage for your home and lifestyle, and we’re here to support you if the unexpected happens.

Protect Your Boston Home Today

Your home is one of your biggest investments — make sure it’s properly protected. Whether you're buying your first home or reviewing your current policy, Hennigan Insurance is here to guide you every step of the way with clarity, expertise, and care.

 

Contact Hennigan Insurance today to get a personalized homeowners insurance review or a free quote.