Homeowner's Insurance

Home Insure My Home Homeowner's Insurance

Prices That Won’t Send You Through the Roof

Let Workers Insurance Agency find the best, most affordable coverage for your most valuable asset. Homeowner’s insurance can cover certain damages to your house, accidents that may happen on your property and more.1 We’ll work with you to determine the coverage you need.

Get your free quote below or call 978-870-1830.

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Fundamental Coverages in Most Homeowner’s Policies

Dwelling

Dwelling coverage pays to repair or replace your home if it’s damaged by a covered hazard. The “dwelling” is everything from the foundation to the ceiling and anything securely attached to it.

Other Structures

This coverage pays for damage to structures on your property not attached to the dwelling like a detached garage, workshop, privacy fence or gazebo. These are subject to the policy deductible.

Personal Property

Anything in your home that is not securely attached such as furniture, clothing, and paintings are considered “personal property”. Additional coverage may need to be considered for high-value items like jewelry, art, guns, and collections.

Additional Living Expenses

This coverage will pay for living expenses if you are forced to temporarily relocate while your home is under repair for damage caused by a covered peril.

Personal Liability

Personal Liability pays for claims resulting from a third party being injured on your property.

Medical Expense

This coverage pays for medical expenses for a third party on a per person basis for claims resulting from an accident caused by you, a family member or pet.

Optional Coverages

There are many optional coverages that can be added to your policy to provide additional protection. These include:

  • Scheduled Personal Property – additional coverage for property such as jewelry, gun collections, camera equipment, art and other collections.
  • Water Back-Up and Sump Overflow – coverage for damage caused by sewer backup or sump overflow.
  • Identity Theft/Fraud – pays for expenses incurred as a result of identity theft.
  • Mold – covers damage or liability caused by certain types of mold.

It’s important to discuss your needs with a Workers Insurance agent before purchasing homeowner’s insurance so they can help you determine what you need.

 

 

Exclusive WCU Member Benefit

Massachusetts members could save up to 20% or more on Arbella insurance by combining your home and auto insurance.

Achieve Your Dreams, the Workers Way

As a member of Workers Credit Union, you have access to one-on-one, judgement-free financial coaching. Whether it’s getting the right insurance, managing your money, or planning for your future, we’ll help you achieve your dreams, the Workers Way.

Trusted Choice Independent Insurance Agents

Because Workers Insurance Agency is a Trusted Choice Independent Agent we are free to shop multiple providers on your behalf. More freedom means more options and more savings for you.

1Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a non-financial subsidiary of Workers Credit Union are: NOT A DEPOSIT, NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.

2Discounts applied are as follows: Arbella Auto Insurance discounts: 8% discount off the auto premium for the unique Workers Credit Union group discount; 12% Arbella Advantage discount for being a new customer to Arbella and a 10% Account Credit when Arbella insures the home (HO3 or HO6) and auto. Arbella Homeowners and Condo discounts: 25% Arbella account credit when Arbella insures the home and auto. Issuance subject to underwriting. Actual discounts do not apply to all coverages. These discounts apply to Massachusetts policies. Offers are subject to change without notice.