Protect your home is through a homeowners insurance policy. A homeowners policy provides insurance for single-family, townhouse or duplex homes that are owner occupied, seasonal homes, as well as rental properties.
Most homeowner’s insurance policies provide coverage for cases like fire, lightning and theft. It may also cover:
Dwelling — this policy usually covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.
Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, and detached buildings like sheds and garages.
Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances.
Loss of Use — this covers your living expenses if you need to temporarily relocate because your primary home is uninhabitable due to a loss.
Medical Expense —this covers medical expenses for those injured on your property.This usually does not cover medical expenses for you and your family if injured in the home.
Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. Remember that your policy should be high enough to protect personal assets in case of legal action.
Auto insurance is a driver’s best investment.
If you’re involved in an accident without car insurance, you will be responsible for high out-of-pocket costs, injury liability, and possible legal issues.
Auto insurance helps to reduce or cover property damage costs, replacement parts for your car, accident expenses, medical expenses from injuries, road-side assistance, etc. Since carriers offer a variety of different policies and coverage options, it’s important to talk to a Lunova agent to compare and find a policy that insures your needs.
Is your business covered? No matter what type of business you have, securing it through insurance gives you peace of mind so that you can focus on the needs of your business and customers.
Coverage may include:
Make sure to ask your agent about what is and is not covered in your policy. Every insurance policy is different, and may not offer the same standard coverage. Commercial packages may also be available for broader protection.
Regardless of your needs, we provide a wide range of insurance coverage for you, your family and your business. We also provide specific quotes for unconventional services you might have the need for. Check out below additional insurance coverage:
Protect your personal belongings from theft or other damage with renter’s insurance. These policies typically cover: Personal property damage – Belongings damaged will be covered up to the cost of your policy limits. (Damage may include theft, fire, wind).
This type of insurance is for condo units and covers personal possessions, structural improvements made by the tenant, and other living expenses in cases of fire, theft, or other disasters…
What kind of coverage do you need? Lunova’s wide range of insurance carriers can quote and compare policies to find you the best price for car insurance, homeowners, and more…
Motorcycle Insurance provides similar coverage to auto insurance. Depending on carrier and coverage offerings, your policy could cover: Bodily injury liability, Property damage liability, Uninsured motorist coverage, Personal injury protection and more…
Do you know what you should look for when insuring your boat? Even if you only use your boat a few times a year, one incident can result in huge expenses. Boat policies may depend on the type of boat (motorized or non-motorized) and coverage may not always extend to damage made on the water.
Speak with an agent and share some information about your insurance needs.
Your Lunova agent will work with carriers to find a personalized policy for you.
We’ll recommend the best policy for you at the best rate. Once you secure your rate, sit back and save!
Your deductible is the portion of the damage coverage you will pay. Once this amount is paid, your insurance carrier will pay the rest, based on your plan of choice.
Basically, personal insurance will be anything not related to commercial or business. This can include home, auto, motorcycle, and jewelry.
Your agent will need information based on the type of insurance you are looking for. Typically underwriting a policy requires your name, address (for home policies), credit, type of home or vehicle, and driving record.
By using a Lunova agent, clients are offered a more personalized experience. You will have direct contact with one of our agents, who will guide you through every step of underwriting your policy. An independent agent will also compare different carriers and policies to ensure you with the best coverage and value.
Begin your insurance quote by filling out our online forum, calling, or visiting Lunova’s Marlborough, MA branch.
Lunova Insurance is an independent insurance agency, committed to finding you the best insurance carrier for your individual needs.
We help our customers by comparing policies from top providers to find them the best quote possible.
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