Home Insurance Tailored to You

Homeowners insurance usually includes dwelling coverage, personal property protection, liability coverage, and additional living expenses if your home becomes uninhabitable. At AMD Insurance Group, we tailor policies to suit the unique needs of homeowners in Needham—from single-family homes to townhouses and everything in between.

Homeowner's insurance typically covers all of the following except issues like intentional damage, maintenance-related problems, and certain natural disasters like floods or earthquakes without an additional rider. We’ll help you understand the exclusions that could impact your claims and recommend any needed supplemental protection.

This is a common concern. Does homeowners insurance cover tree root damage to neighbor's property?—the answer depends on liability and whether the damage was preventable. We’ll help you assess your risk and ensure your policy offers the protection you need in such situations.

Yes, you can file a claim against someone else's homeowners insurance if their negligence caused you harm or damage to your property. AMD Insurance helps clients understand liability rules and navigate how to file a claim against someone else's homeowners insurance effectively.

What’s the difference between mortgage insurance and homeowners insurance? Mortgage insurance protects your lender if you default, while homeowners insurance protects your actual property and belongings. We break down both types so you’re never confused at closing or during coverage reviews.

 If you’re liable for the damage—say from a fallen tree or burst pipe—then yes, your homeowners insurance may cover damage to a neighbor's property. We explain your liability coverage in plain terms and make sure you’re not left unprotected in common neighborhood disputes.

From recommending the right deductibles to walking you through Needham home insurance add-ons, our team ensures your coverage reflects your real-world risks. We also educate you on ways to prevent claims before they happen.

Many assume everything is covered, but homeowner's insurance covers all of the following except floods, mold, and normal wear and tear. That’s why we always review your plan line by line, highlighting potential gaps and offering proactive solutions.