Nice Tan home with nice landscaping

Homeowners Insurance

For most of us, our home is the largest asset we have, so it makes good sense to make sure it is properly protected. 

In most cases, we will be able to insure your home for 100% of the replacement value, which means that in the event of a catastrophe, your home will be repaired, even if the damage exceeds your policy limit.

A standard Homeowner policy protects you against:

  • Liability
  • Fire
  • Lightning
  • Windstorms/Hail
  • Smoke Damage
  • Falling Objects
  • Freezing
  • Weight of Ice and Snow
  • Vandalism
  • Theft of personal property

Damages that are EXCLUDED from your standard homeowner policy:

  • Earthquake
  • Flood
  • Water Backup/Sump Overflow
  • Vermin/Rodent/Insect

    Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – home systems protection and service line coverage.

    We also offer renters Insurance, condo insurance, and umbrella coverage. Please call us for more details.

    Available Discounts*

    Smoke Detectors
    Discount for having smoke detectors in your home.

    Home Security
    Discounts for Burglar and Fire Alarms, Dead Bolt, and Automatic Sprinklers

    Mature Credit
    If you are age 55 and older and one of the named insured’s is retired, you are entitled to a 5% discount.

    If you insure your auto and home through MAPFRE Insurance, you can receive 20% on your homeowners premium.

    New Home Discount
    A discount of 1-20% is available based on the age of the home.

    Green Discount
    A 3% discount if you sign up to have your bills and policy delivered via email.

    Scheduled Items

    Your homeowners policy does provide very BROAD contents coverage in the event of a loss, BUT it does have LIMITATIONS on certain items. You can schedule a valuable item onto your homeowners policy for a minimal premium. By doing this, you are ensuring the item is covered for all perils.

    Common items that can be added as scheduled property:

    • Jewelry
    • Furs
    • Cameras
    • Musical Instruments
    • Silverware
    • Golfers Equipment
    • Fine Arts
    • Bicycles

    * Some discounts only apply to certain parts on the policy. Discounts offered subject to qualification and company guidelines. The above discounts available for calendar year 2020.

    Request A Quote

    Richard J. Nelligan Insurance Agency Inc.

    750 Bedford Street Rear
    Bridgewater, MA 02324

    Phone: 508-697-3179
    Fax: (508) 697-3182


    Monday - Friday: 9:00 am to 5:00 pm
    Saturday - Sunday: Closed


    Our Affiliations

    Insurance Services of New England