Protecting Boston Homes from Back Bay to Dorchester

Homeowners Insurance in Boston – Local Coverage That Understands City Living

Whether you live in a historic brownstone in Beacon Hill or a modern condo in Seaport, homeowners in Boston face unique risks—from winter storms to aging infrastructure. At AMD Insurance Group, our homeowners insurance in Boston offers protection built for the city’s character, challenges, and charm. We’re here to simplify your policy and stand with you when it matters most.

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How Our Services Help

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We understand the complexities of insuring city properties—from shared walls and row homes to Boston’s strict building codes.

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We walk you through real-life questions like does my homeowners insurance cover damage to neighbor’s property or can I file a claim against someone else’s homeowners insurance.

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We break down exclusions like homeowner’s insurance covers all of the following except and help you avoid hidden gaps in protection.

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Our local experts deliver tailored home insurance in Boston that grows with your needs—whether you’re buying, remodeling, or renting part of your property.

Real Protection for Real Boston Homeowners

Owning a home in Boston means navigating everything from triple-deckers and alleyways to the occasional Nor’easter. With AMD’s homeowners insurance in Boston, you’re protected from theft, fire, water damage, and personal liability—with clarity on what’s covered and what’s not.


Ever wondered how to file a claim against someone else’s homeowners insurance after a neighbor’s plumbing floods your unit? Or whether homeowners insurance covers tree root damage to neighbor’s property? These situations aren’t rare in tight-knit city settings. We explain how your coverage works—before the claim—and help you take action when something goes wrong.



We also help you understand what your mortgage requires versus what you really need. That means knowing what’s the difference between mortgage insurance and homeowners insurance, and how to structure both for maximum peace of mind.

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FAQs

  • What does homeowners insurance in Boston typically cover?

    It generally includes protection for the structure, your belongings, and liability. But keep in mind—homeowner’s insurance covers all of the following except floods, earthquakes, and pest damage.

  • Can I file a claim if my neighbor’s property caused damage to mine?

    Yes, but only if there’s clear negligence. If you need to know how to file a claim against someone else’s homeowners insurance, we’ll guide you through it step-by-step.

  • Does Boston homeowners insurance cover tree root damage to a neighbor’s home?

    Not always. Coverage depends on fault and whether the issue was reported early. If your tree damaged their pipes, both policies may be involved.

  • What’s the difference between mortgage and homeowners insurance?

    Mortgage insurance protects your lender, while homeowners insurance protects you. We help Boston homeowners meet lender requirements without overpaying.

  • Do I need extra protection beyond a standard homeowners policy?

    Possibly. If you rent part of your unit or live in a shared building, you may want added liability or loss-of-use coverage. We’ll explain your options.