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!

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.   

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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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