Home, Condo, and Renters Insurance

Having access to many different companies makes Bridge Insurance Associates homeowners quotes unbeatable. Your home as well as what is inside, is one of your most cherished possessions. We will make sure that it is insured at the proper level of coverage, while at the same time maintaining the lowest premium. In order to receive the most accurate quote, please answer the following questions as best you can. Coverage can only be calculated after receiving this quote.

Name
Address
Street Address

Address Line 2

City

State / Province / Region

Postal / Zip Code

Country
Email- Be sure to fill this field out so that we can send you your quote!
Phone- Be sure to fill this field out so that we can send you your quote! - (###) - ### ####
Fax - (###) - ### ####
Policy Type Homeowners Condo/Townhouse Renters
Number of Families Single Family Two Family/Duplex 3 or 4 Family
How would you like to receive your free quote? E-mail Fax Phone US Mail
Selection Coverage

Please choose one from each coverage:

Coverage A: Dwelling
All policies except Renters Insurance (HO4) carry Coverage A. Condo Policies (HO6) will carry a minimal amount to pay for inner walls. The home itself: frame, wood flooring and any "fixed" objects are covered under this section. Coverage A would be the amount of money available to rebuild if your home were completely destoyed.

Coverage B: Other Structures
Coverage B protects other structures, such as an attached or detached garage, shed. This is standard coverage. Therefore there is no deduction if it is taken off the policy. This coverage usually determined by calculating 10% of coverage A. For example, a policy with coverage A at $100,000 would have coverage B at $10,000.

Coverage C: Personal Property
Coverage C provides a certain amount of insurance for the personal property you have in the home. This coverage is determined by calculating 50% of your dwelling Coverage A. If your dwelling coverage is at $100,000, your contents coverage would be calculated at $50,000. The minimum insurance for personal property is normally 40% of Coverage A.

Coverage D: Loss of Use
If your home is destroyed by an insured peril, or it becomes uninhabitable because of an insured peril, Coverage D provides the money to set up a temporary living situation.
Please choose your deductible. The higher the deductible, the less your policy will cost.

The deductible is the amount you decide you will be responsible for in a claim.
Coverage E: Personal Liability

Coverage E provides protection from lawsuits due to injuries that occur in or on your premises. It is wise to carry at least $500,000 if you own a home or any significant investment. You can increase this coverage to $1,000,000 or higher with a "Personal Umbrella."
Renters/Condo Owner's Property Deductible

Coverage C provides a certain amount of insurance for the personal property you have in the home. This coverage is determined by calculating 50% of your dwelling Coverage A. This doesn't mean that 50% of your dwelling coverage is going to be used up to pay for personal property it's just the way insurance companies calculate coverage limits So if your dwelling coverage is at $100,000 your contents coverage would be at $50,000. The minimum insurance for personal property is normally 40% of Coverage A.

TIP: Reducing personal property coverage to 40% may be a good idea if your home is covered, for example, $500,000 and the personal property coverage is calculated at $250,000- you may not need that much personal property coverage. You can also increase Coverage C for a few dollars per thousand. Since this cost is different between carriers ask your agent for an exact cost.
Residence Questions
Dwelling Replacement Amount (homes only, Coverage "A")

Please state if you have a dwelling replacement amount on which you want us to quote. Otherwise we will take the information you provide below toprovide a dwelling coverage limit.
Number of Floors One Two Two-and-a-half Three
Square Footage (first floor only, if possible)
If you don't know the square footage of the first floor, and the number above represents TOTAL square footage, please check this box.
Year Constructed
Exterior Framed (clapboard, asbestos, etc.) Aluminum/Vinyl Siding Masonry Veneer (Stucco) Masonry
Distance from ocean Shoreline Less than 500 ft. 500-1499 ft. More than 1500 ft.
Number of feet of surrounding buildings
Heating Source Oil Gas Electric
Electrical Fuses Circuit Breakers
Check boxes that apply Guaranteed replacement on contents Guaranteed replacement on dwelling In-home business Burglar alarm Smoke alarm system Sprinkler system Age 55 and older Home computer Other properties owned
Guaranteed Replacement on Contents
Normally the insurance company factors in depreciation on possessions. "Guaranteed Replacement on Contents", in most cases, erases depreciation in the "Actual Cash Value (ACV)" clause, allowing replacement at the present prices or "replacement cost".

Guaranteed Replacement on Dwelling
Many factors contribute to the value of a home. A homeowners insurance policy does not insure the value in location, school system or land. Banks traditionally required homeowners to cover the total mortgage, even if the mortgage reflected the location, quality of a local school system and land. Currently homeowners insurance covers Replacement Value not Market Value. For example: if you bought a home for $150,000 but it costs $120,000 to rebuild, then the insurance company will pay $120,000 to rebuild your home. If costs to rebuild increase, the carrier will cover the extra cost in excess of your policy.

In-home Business
Some insureds conduct business activities within their home, for example salespeople. This endorsement extends coverage to cover liability stemming from of these business activities. This does not apply if you own the business.

In-home Computer
As computers become a common element in today's household, companies have begun to offer special coverage. Consult your agent for more information and prices.
Have you had any previous claims? Yes No
If so, please explain.
Please click the "Submit" button below. We will return your completed report in approximately 2-10 business days. If you have any questions or comments, please email us at adam.baratz@massinsurers.com or call us at (617) 965-1777.

Home, Condo, and Renters Insurance

Home, Condo, and Renters Insurance

Selection Coverage

Residence Questions