Protect Your Home, Protect Your Peace of Mind

Home Insurance

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Coverage That Gives You Confidence

Your home is your biggest investment—and protecting it shouldn’t come at a premium. At James W. Hennigan Insurance Agency, we combine nearly a century of expertise with competitive pricing from trusted regional carriers. Whether you own a house in Hyde Park or a condo in South Boston, we’ll tailor a policy that fits your needs—and your budget.

Why You Need Home Insurance

Your home is likely your biggest investment—and one that deserves reliable protection. From storm damage to liability risks, unexpected events can turn costly fast.



Homeowners insurance helps safeguard your house, your belongings, and your peace of mind. At Hennigan Insurance, we offer personalized coverage for Boston homeowners that’s built around your property, your lifestyle, and your budget.

What Does Home Insurance Cover?

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Dwelling Protection

Safeguards your home’s structure from events like fire, wind, and vandalism.

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Liability Protection

Covers legal expenses if someone is injured on your property or if you accidentally damage someone else’s.


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Personal Property Coverage

Insures your belongings—furniture, electronics, and valuables—against theft or damage.

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Loss of Use

Pays for temporary living costs if your home becomes uninhabitable due to a covered event.

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Custom Add-Ons

Get more of what you need (and nothing you don’t) with options for valuables, identity protection, and more.

Frequently Asked Questions

  • Is homeowners insurance required in Massachusetts?

    Homeowners insurance isn’t legally required by the state, but nearly all mortgage lenders will require it before approving your loan. Even if you’ve paid off your home, coverage remains essential—it protects you from costly repairs, liability claims, and unexpected disasters. If you’re unsure what’s required for your situation, give us a call. We’ll walk you through exactly what coverage you need and how to get it at the best possible rate.



  • How much does homeowners insurance cost in Boston?

    Rates vary based on your home's location, age, value, and specific coverage needs. Neighborhoods like West Roxbury, Dorchester, and South Boston each have their own pricing factors—from storm risk to property values. At Hennigan Insurance, we shop with multiple top-rated regional carriers to help you compare plans and find the right protection at a competitive price. Call us today for a custom quote—it’s quick, clear, and designed around you.



  • Can I save money by bundling home and auto insurance?

    Yes, bundling is one of the most effective ways to lower your premiums. Many of our trusted carriers offer multi-policy discounts when you combine your homeowners insurance with your auto, renters, or other policies. It’s convenient, saves you time, and could save you hundreds each year. Reach out and we’ll show you your best bundling options.



  • What’s the difference between standard and extended coverage?

    A standard homeowners policy protects you from common risks like fire, theft, and certain types of water damage. Extended coverage can include things like flood insurance, higher-value personal property protection, and identity theft recovery. The right policy depends on your home, lifestyle, and location. Want help figuring it out? Just call or email us—we’ll explain everything clearly and help you avoid overpaying or underinsuring.