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Personal Liability

​In the event that a claim is made or a suit is brought against you for property damages or bodily injury, your policy will cover these costs up to the amount of this coverage you select to carry.  

Personal Liability insurance is about financial protection - for you and your family. 

​The 
personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Medical Payments

​Your policy will cover necessary medical expenses (up to the amount of this coverage you select to carry) incurred in the event there is an accident at your home causing bodily injury to someone else.

Serving All of Massachusetts since 1980!

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Coverages in a Home Insurance Policy ​ (HO3)

​We offer a comprehensive set of coverages to protect your home and your family. Once you start a quote, we’ll recommend to you the appropriate amount of insurance needed for your home by calculating property and building construction information from multiple databases.

Main Home Dwelling 

​Protect your home dwelling (place of residence such as a house or townhouse) including what’s attached to the dwelling such as a garage. You’ll be protected against untimely events such as wind, hail, fire and theft.

Other Structures

​Protect structures on your property, such as a detached garage, driveway, patio, fence, gazebo, small shed or barn. We include coverage for these types of structures in every policy at no extra cost.

Personal Property Replacement Cost

​Have peace of mind knowing that your personal property such as furniture, TVs, computers and laptops are covered in case something should happen to them, while they are anywhere in the world. It protects possessions like televisions, furniture, and more.

​It covers the 
cost to fully replace your personal property if it is damaged or destroyed by a covered loss. For example, if your leather recliner is destroyed in a covered loss, Replacement Cost on Contents Coverage will pay the full cost to replace it.

Loss of use

​Any increase in living expenses and lodging will be covered in case there is damage to your home and you cannot stay there while it is being repaired. You won’t have to be dependent on anyone.  Loss of use coverage covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend. For example, you usually spend $300 per month for groceries. While your home is being repaired, you spend $400 a month since you have to dine out instead of cook at home
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​Optional coverages for homeowners insurance

Additional dwelling coverage
Provides an additional 25% of Dwelling Coverage to be used when a loss exceeds the amount of Dwelling Coverage you select to carry. It’s extra reinforcements, to be used if needed.

Personal property replacement
If your property such as furniture, computers and TVs get damaged, this coverage will replace those items at their full value (as if they were new). It’s an enhanced form of contents coverage.

Additional contents coverage
Specify additional amounts of Contents Coverage for categories of items such as jewelry, watches, silverware, goldware, pewterware furs, firearms and portable electronics.

Insurance on individual items
Insure a specific piece of jewelry, artwork, family heirloom etc. These items tend to be of high value and/or are not easily replaceable.

Water back up
Provides coverage for damage caused by water that backs up through sewers or drains.

Personal injury
Provides an amount of coverage to use if you are sued for personal injury to someone. Examples of personal injury are false arrest, malicious prosecution, wrongful eviction, slander or libel.

Animal liability

Use a portion of the policy’s Liability Coverage and up to the full amount of Medical Payments Coverage in the event of bodily injury to someone else caused by animals kept at the property.
Arthur D. Calfee Insurance Agency, Inc. is proudly serving primary home, vacation home, auto, collector car, business, general liability, property, professional liability, contractor's liability, worker's comp, key man, whole life, term life, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Plymouth, Marion, Barnstable, Bourne, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Hatchville, Harwich, Hyannis, Hyannisport, Marstons Mills, Mashpee, Orleans, Osterville, Plymouth, Provincetown, Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, and Yarmouthport.   

Click here - Testimonials, Endorsements & Reviews regarding our products & services

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Simply put, insurance is a promise, a promise to pay for either all or part of a financial loss that results from some specified cause. For a homeowner, his or her homeowners insurance is a promise made to them by an insurance company to pay them a sum of money in the event that they suffered a loss, provided that the loss resulted from one of the causes listed in their policy. If a loss is the result of one of the listed causes, such as fire or wind, the insurance company makes good its promise.
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

Testimonials & Endorsements for the Best Insurance Agent on Cape Cod, MA


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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Falmouth Homeport Office - 336 Gifford Street  Falmouth, MA 02540      *      North Falmouth Village Office - 121 County Road  North Falmouth, MA 02556
​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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  • HOME
    • Send me a Home Insurance Quote >
      • Thank You! Home Insurance Rates Are On Their Way!
    • FLOOD Insurance, Massachusetts >
      • Pay Your Bill Online
      • Videos - Cape Cod Home Insurance
    • Cape Cod Home Insurance
    • Pay Your Home Insurance Bill Online
    • Ordinance or Law Coverage
    • How to Prevent a Claim on your Home Insurance Policy
    • Videos - Cape Cod Real Estate Tips >
      • Videos - How to Qualify a Tenant for your Cape Cod Home >
        • Videos - Cape Cod Real Estate Investing
    • Cape Cod Massachusetts Arbella Insurance Discounts
    • Cape Cod Massachusetts Lloyds of London Home Insurance
    • Safety Insurance Discounts for Cape Cod, Massachusetts
    • MPIUA - MA Property Insurance Underwriting Association "Fair Plan"
    • Cape Cod Massachusetts Home Protection Insurance
    • Hurricane Preparedness >
      • Cape Cod Massachusetts Hurricane Survival >
        • Cape Cod Massachusetts Hurricane Preparedness
  • AUTO
    • Send me an Auto Insurance Quote for Cape Cod, Massachusetts
    • BOAT Insurance >
      • Send me a Boat Quote
    • Cape Cod, MA Dept. of Motor Vehicles
    • Cape Cod Massachusetts - Report an Auto Insurance Claim
    • Auto Insurance Quote - CAR BUYING TIPS : Auto Insurance for Cape Cod, MA
    • InControl Driver Training
    • Car Insurance for Cape Cod Massachusetts - Arbella Insurance - Send me an Auto Quote >
      • Cape Cod Massachusetts Arbella Car Insurance Discounts
    • Plymouth Rock - Send me an Auto Quote >
      • Plymouth Rock Asurance Discounts
    • Encompass Insurance Discounts
    • Safety Insurance - Send me an Auto Quote >
      • Safety Insurance Discounts
    • Travelers Insurance Discounts
    • Progressive Insurance - Send me an Auto Quote
  • LIFE
    • Send me a Life Quote
    • Long Term Care >
      • Videos - Living Trust >
        • Videos - Life Insurance
  • OFFICES
    • Pay Your Bill Online
  • ABOUT US
    • Reviews & Testimonials
    • Contact Us
  • Stay Home
    • Pay Your Bill Online
    • Report an Insurance Claim
    • Send me a Home Quote
    • Send me an Auto Quote
    • Send me a Boat Quote
    • Send me a Business Quote
    • Send me a Life Quote
  • Home Insurance Explained
  • Agent Login
  • Privacy Policy
  • Videos - Cape Cod Real Estate Investing, Taxes & Insurance
  • Videos - Cape Cod Coastal Real Estate
  • Português