Protecting Homes Across the Bay State

Homeowners Insurance in Massachusetts – Local Protection You Can Rely On

From Worcester’s historic neighborhoods to coastal homes in Cape Cod, homeowners in Massachusetts need insurance that understands the region’s weather, regulations, and risks. At AMD Insurance Group, our homeowners insurance in Massachusetts provides customized protection for your home, your belongings, and your peace of mind—with guidance that makes sense for Bay State living.

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How Our Services Help

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We tailor coverage to New England-specific risks—whether it’s snow damage, burst pipes, or fallen trees damaging a neighbor’s property.

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Our team explains coverage clearly so you know how to file a claim against someone else’s homeowners insurance or protect yourself from liability claims.

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We offer insights on topics like what’s the difference between mortgage insurance and homeowners insurance and when to adjust your policy.

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We help former renters, new buyers, and long-time Massachusetts homeowners access reliable coverage with responsive support.

Massachusetts Homes Face Local Risks—We Offer Local Solutions

A typical homeowners insurance policy in Massachusetts protects against theft, weather damage, fire, and liability. But it’s the local specifics that make AMD Insurance different. We help homeowners in Massachusetts navigate policies that answer real-life questions like does homeowners insurance cover tree root damage to neighbor’s property or can I file a claim against someone else’s homeowners insurance.


If your neighbor’s tree damages your shed or a burst pipe floods a tenant’s basement, you’ll want clarity on coverage. Our licensed agents explain how your policy responds and what to expect when a claim involves shared boundaries or structural complications. We also guide clients through understanding exclusions—like homeowner’s insurance covers all of the following except...—so there are no surprises when the unexpected happens.



We’re committed to building relationships, not just selling policies. Whether you’re in Boston’s Back Bay or Springfield’s suburbs, our home insurance solutions evolve with your property and lifestyle.

A family is sitting on the steps of their house next to a swimming pool.

FAQs

  • Does my homeowners insurance cover damage to a neighbor’s property?

    In some cases, yes—especially if you're found legally liable. But sometimes, the neighbor’s insurance may apply first. We’ll help determine responsibility and assist with the claim process.

  • How do I file a claim against someone else's homeowners insurance?

    You’ll need to prove the other party's negligence caused the damage. Document everything and contact their insurer. We help our clients navigate these situations and communicate effectively with all parties.

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

    Mortgage insurance protects your lender if you default on the loan. Homeowners insurance protects your house, possessions, and liability exposures. We clarify both types so you’re never confused about what you're paying for.

  • Can I file a claim against my neighbor’s insurance if their tree roots damaged my property?

    You can try, but it depends on whether they were negligent in maintaining the tree. If not, your own policy might need to step in. We review both options to protect your rights.

  • What does homeowners insurance not typically cover?

    Homeowner’s insurance typically covers all of the following except flooding, earthquakes, and intentional damage. We help clients explore additional coverage if needed.