Home-Renters-Condo-Landlord-coastal properties
Protecting What Matters Most
Your home is more than just a place to live—it’s one of your biggest investments. At Freedom Insurance, we provide comprehensive home insurance solutions tailored to homeowners, renters, landlords, condo owners, and coastal properties across Massachusetts. Whether you own or rent, we’ll help you find the right coverage at the right price to protect what matters most.
Homeowners Insurance – Protection for Your Property & Belongings
A standard homeowners insurance policy in Massachusetts typically covers:
🏡 Dwelling Coverage – Protects your home’s structure from damage due to fire, storms, vandalism, and more.
📦 Personal Property – Covers your belongings, such as furniture, electronics, and clothing, in case of theft or damage.
🛡 Liability Protection – Protects you if someone is injured on your property or if you accidentally damage someone else’s property.
🏚 Loss of Use – Helps with temporary living expenses if your home becomes uninhabitable due to a covered event.
Optional Coverages: Flood, earthquake, and additional personal property coverage available.
Renters Insurance – Affordable Protection for Tenants
Even if you don’t own your home, your belongings still need protection! Renters insurance covers:
✔ Personal Property – Coverage for furniture, clothing, and valuables in case of fire, theft, or water damage.
✔ Liability Coverage – Protects you if someone is injured in your rental or if you accidentally damage your landlord’s property.
✔ Loss of Use – Helps with temporary housing costs if your rental becomes unlivable.
💡 Did you know? Many landlords now require renters insurance before signing a lease!
Landlord Insurance – Secure Your Rental Property Investment
Owning a rental property? Landlord insurance protects your building and liability while ensuring you continue receiving rental income in case of damage. Coverage options include:
🏠 Property Damage – Covers your rental home or multi-family property from fire, storms, and other risks.
🛑 Liability Protection – Covers legal and medical costs if a tenant or visitor is injured on the property.
💰 Loss of Rental Income – Helps replace lost rental income if your property is temporarily uninhabitable.
Condo Insurance – Coverage Tailored for Condo Owners
While your condo association may have a master policy, it likely doesn’t cover everything inside your unit. Condo insurance includes:
🏢 Interior Unit Coverage – Protects upgrades like cabinets, flooring, and appliances.
📦 Personal Property – Covers belongings like electronics, furniture, and valuables.
🛡 Liability Protection – Shields you from legal costs if someone is injured in your condo.
💡 Tip: Always check your condo association’s master policy to ensure you’re properly covered!
Coastal Home Insurance – Protection for Homes Near the Water
If you own a beachfront or coastal home in Massachusetts, securing specialized insurance is crucial. Many standard policies don’t cover windstorms, hurricanes, or flood damage—but we offer solutions that do!
🏖 Wind & Hurricane Protection – Coverage for storm damage in high-risk areas.
🌊 Flood Insurance – Protects against water damage from storm surges and flooding.
🔥 Fire & Theft Protection – Coverage for common risks beyond coastal weather concerns.