Homeowners Insurance FAQs

Trusted Insurance Agency in Arlington, MA — Personal & Business Coverage You Can Rely On.

MF&T North America specializes in providing offers comprehensive homeowners insurance designed to protect your home, personal belongings, and liability in the event of unexpected damage or loss. Whether you own a house, condo, or rental property, we provide customizable coverage options to fit your needs and budget.

General Questions

What is homeowners insurance?

Homeowners insurance is a policy that protects your home and personal property from damage or loss, and provides liability coverage if someone is injured on your property.

Is homeowners insurance required by law?

No, it’s not legally required in Massachusetts, but if you have a mortgage in Arlington, your lender will likely require it.

What does homeowners insurance typically cover?

Standard policies in Arlington usually cover:

  • Dwelling (your home’s structure)

  • Personal property (furniture, electronics, etc.)

  • Liability (injuries or lawsuits)

  • Additional living expenses (if you’re displaced)

What is the difference between homeowners insurance and mortgage insurance?

Homeowners insurance protects your property and liability; mortgage insurance (PMI) protects the lender if you default on your loan.

 

How much homeowners insurance do I need?

You should have enough coverage to fully rebuild your home (replacement cost), especially since construction costs in Arlington are above the national average.

What is not covered by homeowners insurance?

Typical exclusions include:

  • Flood damage

  • Earthquakes

  • Wear and tear

  • Sewer backups (unless added as a rider)

What’s the difference between replacement cost and actual cash value?

  • Replacement cost: Pays to rebuild/replace without depreciation.

  • Actual cash value: Subtracts depreciation, so payouts are lower.

Coverage & Policy Details

What does dwelling coverage include?

It covers your home’s structure (roof, walls, built-in appliances). In Arlington, older homes may need higher coverage due to historic features and construction types.

Are personal belongings covered if stolen outside my home?

Yes, most policies offer off-premises coverage, even if your laptop is stolen while traveling.

Does homeowners insurance cover water damage or flooding?

It may cover sudden water damage (like burst pipes), but flooding from rain or rising water is not covered. Consider a separate flood policy—Arlington has some low-risk flood zones, especially near the Mystic River.

Are earthquakes or natural disasters covered?

Standard policies don’t cover earthquakes. In Massachusetts, earthquakes are rare, but optional earthquake coverage can be added.

Does my policy cover home-based businesses?

Usually not. You may need a business endorsement or separate policy, especially if you store inventory or have clients visiting your home.

Is mold damage covered by homeowners insurance?

Only if caused by a covered peril (e.g., water from a burst pipe). Long-term mold or due to negligence is typically excluded.

Am I covered if someone gets hurt on my property?

Yes, personal liability coverage typically includes legal and medical expenses for injuries to guests.

Claims & Process

How do I file a homeowners insurance claim?

  • Document the damage with photos

  • Contact us

  • Submit a claim online or by phone

  • An adjuster will inspect the damage

  • Receive payment if the claim is approved

What should I do immediately after property damage or loss?

  • Prevent further damage if safe (e.g., shut off water)

  • Take photos

  • File a police report if theft occurred

  • Contact us ASAP