Question 1

What's typically included in a homeowners insurance policy?

Accepted Answer

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.

Question 2

Homeowner's insurance typically covers all of the following except what?

Accepted Answer

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.

Question 3

Does homeowners insurance cover tree root damage to neighbor's property?

Accepted Answer

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.

Question 4

Can I file a claim against someone else's homeowners insurance?

Accepted Answer

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.

Question 5

What's the difference between mortgage insurance and homeowners insurance?

Accepted Answer

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.

Question 6

Does my homeowners insurance cover damage to neighbor's property?

Accepted Answer

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.

Question 7

How can AMD Insurance help me avoid costly claims?

Accepted Answer

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.

Question 8

What do most people misunderstand about their homeowners insurance?

Accepted Answer

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.

Question 9

What area do you serve?

Accepted Answer

We proudly serve clients throughout Massachusetts, Boston and Needham.

HOME INSURANCE TAILORED TO YOU

Dwelling Coverage

Personal Property Coverage

Liability Coverage

Additional Living Expenses (ALE)

Medical Payments Coverage

Flood/Water Backup Coverage

WHY CHOOSE AMD?

Customized Policies

24/7 Claims Support

Protection You Can Trust

Flexible Coverage Options

FREQUENTLY ASKED QUESTIONS

GET THE RIGHT COVERAGE, RIGHT NOW.